{ "version": 1, "event_id": "evt_4c0e928637670550", "url": "https://xiyu.news/events/evt_4c0e928637670550/", "json": "https://xiyu.news/api/events/evt_4c0e928637670550.json", "type": "other", "status": "developing", "category": "crypto", "title": { "zh": "IBM 将 Digital Asset Haven 连接至 Swift 区块链账本，支持代币化存款交易", "en": "IBM connects Digital Asset Haven to Swift blockchain ledger for tokenized deposit transactions" }, "current_state": { "zh": "Swift 的区块链账本已正式上线，到 2026 年底至少 19 家银行将使用该账本进行代币化存款交易，覆盖 5 种主要货币，支持 7×24 小时支付。此前 IBM 已通过其 Digital Asset Haven 平台的测试版连接，为 17 家参与银行提供了基于 ISO 20022 报文的账本交易通道，并提供本地部署测试版。", "en": "Swift's blockchain ledger is now live, with at least 19 banks expected to use it by end-2026 for tokenized-deposit transactions in 5 major currencies, enabling 24/7 payments. Previously, IBM's Digital Asset Haven beta connection enabled 17 participating banks to instruct ledger transactions via ISO 20022 messages, with an on-premises beta also available." }, "first_seen_at": "2026-09-24T17:26:40.223129+00:00", "last_updated_at": "2026-09-30T18:03:55.101984+00:00", "last_material_change_at": "2026-09-30T18:03:55.101984+00:00", "confidence": 0.75, "updates_count": 4, "sources_count": 5, "entities": [ "asset", "ceo", "digital", "haven", "ibm", "swift", "tokenized-deposits" ], "identifiers": [], "topics": [ "blockchain-interoperability", "ibm", "iso-20022", "settlement-infrastructure", "swift", "tokenized-deposits" ], "updates": [ { "update_id": "upd_8bb0640fb83deea8", "event_id": "evt_4c0e928637670550", "occurred_at": "2026-09-24T10:00:00Z", "published_at": "2026-09-24T10:00:00Z", "first_seen_at": "2026-09-24T17:26:40.223129Z", "time_precision": "published", "update_type": "initial", "material_change": true, "title_zh": "IBM将Digital Asset Haven接入Swift区块链账本，用于代币化存款交易", "title_en": "IBM connects Digital Asset Haven to Swift blockchain ledger for tokenized deposit transactions", "what_changed_zh": "IBM已将其Digital Asset Haven平台接入Swift的共享区块链账本，使客户能够发起代币化存款交易。", "what_changed_en": "IBM has connected its Digital Asset Haven platform to Swift's shared blockchain ledger, allowing clients to instruct tokenized deposit transactions.", "current_state_zh": "IBM已将其Digital Asset Haven平台接入Swift的共享区块链账本，使客户能够发起代币化存款交易。", "current_state_en": "IBM has connected its Digital Asset Haven platform to Swift's shared blockchain ledger, allowing clients to instruct tokenized deposit transactions.", "detailed_summary_zh": "IBM has connected its Digital Asset Haven platform to Swift's shared blockchain ledger, allowing clients to instruct tokenized deposit transactions.", "detailed_summary_en": "IBM has connected its Digital Asset Haven platform to Swift's shared blockchain ledger, allowing clients to instruct tokenized deposit transactions.", "background_zh": "", "background_en": "", "community_discussion_zh": "", "community_discussion_en": "", "market_impact_zh": "", "market_impact_en": "", "importance_score": 7.5, "references": [], "confidence": 0.75, "story_ids": [ "rss:www.theblock.co_rss.xml:33587f5c1349a1f9" ], "sources": [ { "url": "https://www.theblock.co/news/business/2026-09-24-ibm-connects-digital-asset-haven-to-swift-blockchain-ledger-for-tokenized-deposit-transactions-416237", "label": "The Block", "source_type": "rss", "official": false } ] }, { "update_id": "upd_ea0a5a47193abb4d", "event_id": "evt_4c0e928637670550", "occurred_at": "2026-09-24T13:29:06Z", "published_at": "2026-09-24T13:29:06Z", "first_seen_at": "2026-09-24T17:26:49.272893Z", "time_precision": "published", "update_type": "escalation", "material_change": true, "title_zh": "IBM 开放连接 Swift 账本的测试版通道，用于 7×24 小时代币化存款", "title_en": "IBM opens beta Swift ledger link for 24/7 tokenized deposits", "what_changed_zh": "IBM 为其 Digital Asset Haven 平台增加了与 Swift 区块链账本的 beta 连接，支持银行通过 ISO 20022 报文指令代币化存款转账，并提供在 IBM Z/LinuxONE 本地数据中心运行该平台的 beta 选项。", "what_changed_en": "IBM added beta connectivity between Digital Asset Haven and Swift's blockchain ledger for tokenized deposits, enabling banks to instruct tokenized deposit transfers via ISO 20022 messaging and a beta option to run the platform on-premises on IBM Z/LinuxONE.", "current_state_zh": "IBM 的 Digital Asset Haven 平台现已通过 beta 连接接入 Swift 区块链账本，银行可使用 ISO 20022 报文指令代币化存款转账，并可在本地数据中心运行该平台。", "current_state_en": "IBM's Digital Asset Haven platform now has beta connectivity to Swift's blockchain ledger, allowing banks to instruct tokenized deposit transfers using ISO 20022 messaging and to run the platform on-premises.", "detailed_summary_zh": "IBM added beta connectivity between its Digital Asset Haven platform and Swift's blockchain-based ledger for tokenized deposits, enabling banks to instruct tokenized deposit transfers via ISO 20022 messaging and to run the platform in their own data centers.", "detailed_summary_en": "IBM added beta connectivity between its Digital Asset Haven platform and Swift's blockchain-based ledger for tokenized deposits, enabling banks to instruct tokenized deposit transfers via ISO 20022 messaging and to run the platform in their own data centers.", "background_zh": "代币化存款是由受监管银行发行的商业银行存款的数字表示，通过分布式账本技术转移，与稳定币不同。Swift 与 40 多家金融机构共同开发了该基于区块链的共享账本，并于 7 月启动，首批试点包含 17 家银行，包括汇丰、花旗、法国巴黎银行、瑞银和渣打银行。汇丰与渣打于 8 月在该账本上完成了首笔真实跨境交易。ISO 20022 是金融机构之间电子数据交换的 ISO 标准，描述了一个通用的金融报文平台。", "background_en": "Tokenized deposits are digital representations of commercial bank deposits issued by regulated banks and transferred using distributed ledger technology, distinct from stablecoins. Swift developed its blockchain-based shared ledger with more than 40 financial institutions and launched it in July with 17 banks in an initial pilot group, including HSBC, Citi, BNP Paribas, UBS and Standard Chartered. HSBC and Standard Chartered completed the first live cross-border transaction on the ledger in August. ISO 20022 is the ISO standard for electronic data interchange between financial institutions, describing a common platform for financial messages.", "community_discussion_zh": "", "community_discussion_en": "", "market_impact_zh": "该连接面向银行发行的代币化货币领域，Swift 的账本与 IBM 的托管及平台层在此与稳定币并列，构成机构资金流的结算基础设施；与 ISO 20022 报文标准的对接降低了银行将现有支付与合规系统接入分布式账本轨道的操作摩擦。这仍属测试版连接，最终结算依旧发生在既有银行系统上。", "market_impact_en": "The link targets the bank-issued tokenized money segment, where Swift's ledger and IBM's custody and platform layer sit alongside stablecoins as settlement infrastructure for institutional flows; aligning with ISO 20022 messaging reduces the operational friction banks face when connecting existing payment and compliance stacks to distributed-ledger rails. This is beta-stage connectivity, with final settlement still on established banking systems.", "importance_score": 7.5, "references": [ { "url": "https://crypto.news/swift-blockchain-ledger-tokenized-deposits-stablecoins/", "title": "SWIFT built its answer to stablecoins: Bank money" }, { "url": "https://clear.bank/learn/insights/tokenised-deposits-explained-what-are-they-and-how-do-they-work", "title": "ClearBank | Tokenised deposits explained: what are they, and ..." }, { "url": "https://www.swift.com/standards/iso-20022/iso-20022-financial-institutions-focus-payments-instructions", "title": "ISO 20022 for Financial Institutions | Swift" } ], "confidence": 0.95, "story_ids": [ "rss:cointelegraph.com_rss:174e5ff0a220b3db", "rss:thedefiant.io_api_feed:5439975b0eb693a9" ], "sources": [ { "url": "https://cointelegraph.com/news/ibm-banks-swift-ledger-tokenized-deposit-transfers?utm_source=rss_feed&utm_medium=rss&utm_campaign=rss_partner_inbound", "label": "Cointelegraph", "source_type": "rss", "official": false }, { "url": "https://thedefiant.io/converge/tradfi-and-fintech/ibm-connects-digital-asset-haven-to-swift-ledger-in-beta", "label": "The Defiant", "source_type": "rss", "official": false } ] }, { "update_id": "upd_5e0d0844cc11b5fb", "event_id": "evt_4c0e928637670550", "occurred_at": "2026-09-26T00:40:46Z", "published_at": "2026-09-26T00:40:46Z", "first_seen_at": "2026-09-26T01:54:09.674861Z", "time_precision": "published", "update_type": "escalation", "material_change": true, "title_zh": "IBM将17家银行接入SWIFT账本，但云风险依然存在", "title_en": "IBM links 17 banks to the SWIFT ledger, but the cloud risk persists", "what_changed_zh": "IBM于9月24日宣布，其Digital Asset Haven平台已与SWIFT面向代币化存款的共享账本建立测试版（beta）连接，借助ISO 20022消息适配器，让参与机构能够通过标准支付报文发起账本交易。IBM同时公布了一个独立的本地部署（on-premises）Haven测试版，将平台与密钥管理都运行在客户自有的IBM Z或LinuxONE数据中心内。\n\n据IBM介绍，该适配器让银行可以用现有已交换的ISO 20022支付报文来测试银行发行的代币化存款转账，从而沿用熟悉的报文格式与合规流程。IBM将本地部署测试版定位为让受监管机构在评估数字资产服务时，能够直接掌控用于托管与交易管理的基础设施。\n\n账本上的转账可全天候运行，但最终结算仍依赖实时全额结算系统等现有机制，因此代币化存款转账可以先于最终结算环节完成。IBM表示，本地部署方案与Haven的SaaS及混合部署采用相同的架构、API和工作流，而已参与SWIFT项目的机构已使用Haven在共享账本上测试过代币化存款。", "what_changed_en": "IBM opened a beta connection between its Digital Asset Haven platform and SWIFT's shared ledger, letting 17 participating banks instruct tokenized-deposit transactions through an ISO 20022 messaging adapter, alongside a separate on-premises Haven beta for institutions keeping the platform and key management in their own IBM Z or LinuxONE data centers.", "current_state_zh": "IBM于9月24日宣布，其Digital Asset Haven平台已与SWIFT面向代币化存款的共享账本建立测试版（beta）连接，借助ISO 20022消息适配器，让参与机构能够通过标准支付报文发起账本交易。IBM同时公布了一个独立的本地部署（on-premises）Haven测试版，将平台与密钥管理都运行在客户自有的IBM Z或LinuxONE数据中心内。\n\n据IBM介绍，该适配器让银行可以用现有已交换的ISO 20022支付报文来测试银行发行的代币化存款转账，从而沿用熟悉的报文格式与合规流程。IBM将本地部署测试版定位为让受监管机构在评估数字资产服务时，能够直接掌控用于托管与交易管理的基础设施。\n\n账本上的转账可全天候运行，但最终结算仍依赖实时全额结算系统等现有机制，因此代币化存款转账可以先于最终结算环节完成。IBM表示，本地部署方案与Haven的SaaS及混合部署采用相同的架构、API和工作流，而已参与SWIFT项目的机构已使用Haven在共享账本上测试过代币化存款。", "current_state_en": "IBM opened a beta connection between its Digital Asset Haven platform and SWIFT's shared ledger, letting 17 participating banks instruct tokenized-deposit transactions through an ISO 20022 messaging adapter, alongside a separate on-premises Haven beta for institutions keeping the platform and key management in their own IBM Z or LinuxONE data centers.", "detailed_summary_zh": "IBM opened a beta connection between its Digital Asset Haven platform and SWIFT's shared ledger, letting 17 participating banks instruct tokenized-deposit transactions through an ISO 20022 messaging adapter, alongside a separate on-premises Haven beta for institutions keeping the platform and key management in their own IBM Z or LinuxONE data centers.", "detailed_summary_en": "IBM opened a beta connection between its Digital Asset Haven platform and SWIFT's shared ledger, letting 17 participating banks instruct tokenized-deposit transactions through an ISO 20022 messaging adapter, alongside a separate on-premises Haven beta for institutions keeping the platform and key management in their own IBM Z or LinuxONE data centers.", "background_zh": "SWIFT曾于7月表示其共享账本已具备初步使用条件，有17家银行准备在受控推广中试点实时代币化存款交易；IBM在9月的宣布为该项目增加了一条以Haven为入口的测试通道。Digital Asset Haven面向受监管机构整合了钱包、密钥管理、交易签名与策略控制，并与Hyperledger Besu连接能力配合使用。", "background_en": "SWIFT said in July that its shared ledger was ready for initial use, with 17 banks preparing to pilot live tokenized-deposit transactions in a controlled rollout; IBM's September announcement adds Haven as a beta route into that existing effort. Digital Asset Haven bundles wallets, key management, transaction signing and policy controls for regulated organizations, and works alongside Hyperledger Besu connectivity.", "community_discussion_zh": "", "community_discussion_en": "", "market_impact_zh": "该测试版把银行发行的代币化存款接入使用标准ISO 20022报文的结算层，因此传导渠道是银行数字资产通道与跨境支付基础设施，而非公链代币。风险敞口主要落在参与银行以及提供账本与托管基础设施的厂商身上；最终结算仍由现有实时全额结算系统完成，且该安排目前仍为测试版而非正式生产服务。", "market_impact_en": "The beta routes bank-issued tokenized deposits into a settlement layer that uses standard ISO 20022 messages, so the transmission channel runs through bank digital-asset rails and cross-border payment infrastructure rather than public-chain tokens. Exposure sits with the participating banks and the vendors supplying ledger and custody infrastructure, while final settlement remains on existing RTGS systems, and the arrangement is still a beta rather than a production service.", "importance_score": 7.0, "references": [ { "url": "https://cryptobriefing.com/ibm-digital-asset-haven-swift-blockchain-tokenized-deposits/", "title": "IBM Digital Asset Haven connects to Swift's blockchain ledger for..." }, { "url": "https://www.ibm.com/products/digital-asset-haven", "title": "IBM Digital Asset Haven" }, { "url": "https://www.techtimes.com/articles/328043/20260925/ibm-adapter-lets-banks-join-swift-blockchain-using-existing-payment-messages.htm", "title": "IBM Adapter Lets Banks Join Swift Blockchain Using Existing Payment..." } ], "confidence": 0.75, "story_ids": [ "rss:cryptoslate.com_feed_:f4d539ca04987ece" ], "sources": [ { "url": "https://cryptoslate.com/ibm-links-17-banks-to-the-swift-ledger-but-the-cloud-risk-persists/", "label": "CryptoSlate", "source_type": "rss", "official": false } ] }, { "update_id": "upd_f716fa1f6f8c8ec9", "event_id": "evt_4c0e928637670550", "occurred_at": "2026-09-30T15:06:14Z", "published_at": "2026-09-30T15:06:14Z", "first_seen_at": "2026-09-30T18:03:55.101984Z", "time_precision": "published", "update_type": "escalation", "material_change": true, "title_zh": "【Swift CEO：区块链账本年底至少 19 家银行使用，覆盖 5 种主要货币】", "title_en": "【Swift CEO：区块链账本年底至少 19 家银行使用，覆盖 5 种主要货币】", "what_changed_zh": "Swift CEO Javier Pérez-Tasso 在 Sibos 2026 上表示，Swift 的区块链账本现已上线，到今年年底至少 19 家银行将使用该账本，覆盖 5 种主要货币，以代币化存款支持 7×24 小时支付。", "what_changed_en": "Swift CEO Javier Pérez-Tasso said at Sibos 2026 that Swift's blockchain ledger is now live, with at least 19 banks using it across 5 major currencies by year-end to enable 24/7 tokenized-deposit payments.", "current_state_zh": "Swift 的区块链账本已正式上线，到 2026 年底至少 19 家银行将使用该账本进行代币化存款交易，覆盖 5 种主要货币，支持 7×24 小时支付。此前 IBM 已通过其 Digital Asset Haven 平台的测试版连接，为 17 家参与银行提供了基于 ISO 20022 报文的账本交易通道，并提供本地部署测试版。", "current_state_en": "Swift's blockchain ledger is now live, with at least 19 banks expected to use it by end-2026 for tokenized-deposit transactions in 5 major currencies, enabling 24/7 payments. Previously, IBM's Digital Asset Haven beta connection enabled 17 participating banks to instruct ledger transactions via ISO 20022 messages, with an on-premises beta also available.", "detailed_summary_zh": "Swift CEO Javier Pérez-Tasso said at Sibos 2026 that Swift's blockchain ledger is now live, with at least 19 banks using it across 5 major currencies by year-end to enable 24/7 tokenized-deposit payments.", "detailed_summary_en": "Swift CEO Javier Pérez-Tasso said at Sibos 2026 that Swift's blockchain ledger is now live, with at least 19 banks using it across 5 major currencies by year-end to enable 24/7 tokenized-deposit payments.", "background_zh": "Sibos 是 Swift 每年举办的金融服务大会，2026 年这届在迈阿密海滩会议中心举行，也是近年来首次在美国东海岸举办。在 2026 年 7 月 9 日的新闻稿中，Swift 表示其基于区块链的账本已在九个月内从概念走向启用，来自六大洲的 17 家银行正准备使用代币化存款试点实时交易。代币化存款是商业银行传统存款在区块链上的数字化表示，通常由银行持有的法币 1:1 支撑。", "background_en": "Sibos is Swift's annual financial services conference; the 2026 edition is being held at the Miami Beach Convention Center and is the first US East Coast Sibos in recent years. In a July 9, 2026 press release, Swift said its blockchain-based ledger had moved from concept to activation in nine months and that 17 banks from six continents were preparing to pilot live transactions using tokenised deposits. Tokenized deposits are digital representations of conventional commercial bank deposits issued on a blockchain, typically backed 1:1 by fiat currency held at the bank.", "community_discussion_zh": "", "community_discussion_en": "", "market_impact_zh": "该消息的传导路径主要在机构结算基础设施层面：如果银行代币化存款能够在 Swift 运营的账本上以 5 种主要货币实现 7×24 小时清算，它将与稳定币通道和代币化平台争夺同一批跨境支付与企业资金管理场景。受影响最直接的是稳定币市场，以及与银行存款代币化相关的代币和基础设施；市场情绪与流动性将取决于有多少机构支付流量转向链上银行货币，而非公链稳定币。", "market_impact_en": "The story transmits mainly through institutional settlement infrastructure: if bank tokenized deposits can clear 24/7 across 5 major currencies on a Swift-operated ledger, that competes for the same cross-border and treasury use cases that stablecoin rails and tokenization platforms target. Assets and venues most exposed are stablecoin markets and the tokens and infrastructure tied to bank-deposit tokenization, with sentiment and liquidity shifting on how much institutional payment flow migrates to on-chain bank money rather than public-chain stablecoins.", "importance_score": 7.5, "references": [ { "url": "https://www.swift.com/news-events/press-releases/swifts-blockchain-ledger-ready-use-17-banks-set-pioneer-tokenised-cross-border-payments-trusted-global-infrastructure", "title": "Swift’s blockchain ledger ready for use as 17 banks set to ..." }, { "url": "https://www.swift.com/payments/payment-innovation/blockchain-based-ledger", "title": "Building the digital payment stack of the future | Swift" }, { "url": "https://www.sibos.com/", "title": "Welcome to Sibos Miami | Sibos" } ], "confidence": 0.9, "story_ids": [ "telegram:foresightnews:119541" ], "sources": [ { "url": "https://foresightnews.pro/news/h5Detail/114371", "label": "foresightnews", "source_type": "telegram", "official": false } ] } ] }