国际清算银行-利用代币化进行支付和金融交易（英）

Consultative Group on Innovation and the Digital Economy Leveraging tokenisation for payments and financial transactions April 2025 BIS Representative Office for the Americas This publication is available on the BIS website (www.bis.org). © Bank for International Settlements 2025. All rights reserved. Brief excerpts may be reproduced or translated provided the source is stated. ISBN 978-92-9259-849-5 (online) CGIDE report – Leveraging tokenisation for payments and financial transactions i Table of contents Foreword ............................................................................................................................................................................................... 1 Executive summary ........................................................................................................................................................................... 2 Introduction ......................................................................................................................................................................................... 3 1 Role of integrated financial ecosystems ................................................................................................................ 4 2 Preconditions and other considerations ................................................................................................................ 5 2.1. Preconditions ........................................................................................................................................................... 5 2.2. Other considerations ............................................................................................................................................ 5 3 Use cases ............................................................................................................................................................................ 7 3.1. Theoretical use cases ............................................................................................................................................ 7 3.2. Real-world use cases ............................................................................................................................................ 9 3.2.1 Initiatives run by the Central Bank of Brazil (BCB) .................................................................................... 9 3.2.2 Initiatives run by the Central Bank of Colombia (BanRep) .................................................................. 10 3.3. Discussions within the CGIDE ......................................................................................................................... 12 Conclusion ........................................................................................................................................................................