星展数字交易所：服务富人有备而来

尘埃落定！

12月10日，新加坡星展银行（DBS Bank）正式宣布推出数字资产交易平台 DBS Digital Exchange，并将于下周开始交易。据星展银行首席执行官Piyush Gupta表示DBS Digital Exchange 将提供四种法币（新元、美元、港元、日元）和四种最成熟的数字资产（BTC、ETH、BCH 和 XRP）之间的兑换服务、现货交易服务和托管服务。

On December 10, Singapore's DBS Bank officially announced the launch of the digital asset trading platform DBS Digital Exchange, which will begin trading next week. According to DBS CEO Piyush Gupta, DBS Digital Exchange will provide exchange services between fiat currencies (Singapore dollars, U.S. dollars, damaged, Japanese yen) and most of the most mature digital assets (BTC, ETH, BCH and XRP). Spot trading services and custody services.

发布财报的当月，星展银行也发布了《数字货币：公共和私人，当前和未来货币》深度报告，长达30页的报告描述了人们对加密资产不断增长的需求以及它们在数字世界的优势。

在报告中，星展银行得出的主要结论是：

数字支付和结算存在已久，私人数字货币也已有十多年的历史，但是2020年将成为数字金融历史上的里程碑。

个人支付和结算的新技术领域正在开放。私人数字货币激增，对货币供应和价值存储产生了深远的影响。

半个多世纪以来，中央银行一直在通过数字手段创造货币，而如今被金融技术的创新和扩展所困扰。

私营部门的数字货币虽然在标准、法规和接受度方面还没有完全确定，但已经找到了吸引力。

加密货币将继续存在，现金以及传统金融形式不会很快被淘汰。

Digital payment and settlement have existed for a long time, and private digital currency has a history of more than ten years, but 2020 will become a milestone in the history of digital finance.

New technical areas of personal payment and settlement are opening up. The surge in private digital currencies has had a profound impact on the supply of money and the store of value.

For more than half a century, the central bank has been creating money through digital means, and is now plagued by the innovation and expansion of financial technology.

Although the standards, regulations, and acceptance of digital currencies in the private sector have not yet been fully determined, they have found appeal.

Cryptocurrency will continue to exist, and cash and traditional financial forms will not be eliminated anytime soon.

除了可以交易加密货币之外，星展数字交易所还有什么玄机？

不仅是交易加密货币

不仅是交易比特币等4种加密货币，星展数字交易所的雄心是利用区块链技术，通过资产代币化和数字资产的二级交易，为资金募集提供一个生态系统，主要包括：

证券代币发行（STO）——一个受监管的平台，用于发行和交易由金融资产支持的数字代币，如非上市公司的股票、债券和私募基金。

数字货币交易所——促进从法定货币到加密货币的现货交易。星展数字交易所将提供四种货币（新元、美元、港元、日元）和四种最成熟的加密货币（即BTC、ETH、BCH 和 XRP）之间的交易服务。

数字资产托管服务 —— 机构级的数字托管解决方案，以满足在现行监管标准下对数字资产安全托管服务日益增长的需求。

Securities Token Offering (STO)-a regulated platform for the issuance and trading of digital tokens backed by financial assets, such as stocks, bonds and private equity funds of unlisted companies.

Digital currency exchange-promote spot trading from fiat currency to encrypted currency. DBS Digital Exchange will provide trading services between four currencies (Singapore dollar, U.S. dollar, Hong Kong dollar, Japanese yen) and the four most mature cryptocurrencies (ie BTC, ETH, BCH and XRP).

Digital asset custody services-institutional-level digital custody solutions to meet the growing demand for digital asset safe custody services under current regulatory standards.

目前，新加坡金融管理局已原则批准承认星展数字交易所为公认市场营运商，允许其经营股票、债券和私募基金等资产的有组织市场。

也就是说，未来，一旦STO业务走上正规，星展数字交易所也将变成一个小型的金融资产交易平台。

其次，最不应该忽视的一个业务是托管业务。

据新加坡银行从业者爆料，星展银行在新加坡的主要竞争对手大华银行也在加紧开发数字资产托管解决方案，并开始大量招聘相关人员。

从全球范围来看，加密货币托管服务如今已经成为各大银行争抢的处女地。

2020年7月，负责监管美国联邦特许银行的美国货币监理署（OCC）宣布，其管辖范围内的银行现已获准提供加密货币托管服务。

8月，韩国两家大型商业银行友利银行和新韩银行表示，目前正在商讨引入加密货币服务的可能性，韩国 NH 农协银行也表示，目前正在与区块链研究院 Hexlant 合作，以引入加密货币托管服务。

12月，渣打银行的创新和风投部门渣打创投与北方信托联合发布机构级加密数字货币托管解决方案——Zodia Custody（以下简称“Zodia”）。

整体来看，加密货币托管将成为加密货币市场的关键基础设施，一个受监管的托管机构可以成为连结加密货币市场与政府以及传统资金间的桥梁。

In July 2020, the Office of the Comptroller of Currency (OCC), which is responsible for overseeing the Federally Chartered Banks of the United States, announced that banks within its jurisdiction have now been approved to provide cryptocurrency custody services.

In August, South Korea’s two large commercial banks Woori Bank and Shinhan Bank stated that they are currently discussing the possibility of introducing cryptocurrency services. South Korea’s NH Nonghyup Bank also stated that it is currently cooperating with the blockchain research institute Hexlant to introduce encryption. Currency custody service.

In December, Standard Chartered Ventures, the innovation and venture capital arm of Standard Chartered Bank, and Northern Trust jointly released an institution-level encrypted digital currency custody solution-Zodia Custody (hereinafter referred to as "Zodia").

On the whole, cryptocurrency custody will become a key infrastructure of the cryptocurrency market, and a regulated custodian can become a bridge connecting the cryptocurrency market with the government and traditional funds.

如今，新加坡已经成为亚洲私银中心，且被多家机构认为正挑战瑞士在全球的地位。

新加坡私银业务崛起有两大秘诀，一是高净值人士青睐其为客户信息保密，新加坡《银行保密法》的严格实行，被认为是成为亚洲私银中心的重要推力；二是较低的税率。

There are two secrets to the rise of Singapore’s private banking business. One is that high-net-worth individuals prefer to keep customer information confidential. The strict implementation of Singapore’s "Bank Secrecy Act" is considered to be an important driving force for Asia's private banking center; the other is lower tax rates.

其次是周边环境，让新加坡成为财富的避风港。

星展银行作为新加坡三大银行之首，于2014年收购了法兴银行在香港及新加坡的私人银行业务，掌握着大量高净值客户资源。

报告显示，上半年星展私人银行的净新资金流入激增了170%，同期管理的资产(AUM)增长了9%。

As the first of the three major banks in Singapore, DBS Bank acquired Societe Generale’s private banking business in Hong Kong and Singapore in 2014, and holds a large number of high-net-worth clients.

The report shows that in the first half of the year, DBS Private Bank’s net new capital inflows surged by 170%, while assets under management (AUM) increased by 9% during the same period.

发布财报的当月，星展银行也发布了《数字货币：公共和私人，当前和未来货币》深度报告，长达30页的报告描述了人们对加密资产不断增长的需求以及它们在数字世界的优势。

在报告中，星展银行得出的主要结论是：

数字支付和结算存在已久，私人数字货币也已有十多年的历史，但是2020年将成为数字金融历史上的里程碑。

个人支付和结算的新技术领域正在开放。私人数字货币激增，对货币供应和价值存储产生了深远的影响。

半个多世纪以来，中央银行一直在通过数字手段创造货币，而如今被金融技术的创新和扩展所困扰。

私营部门的数字货币虽然在标准、法规和接受度方面还没有完全确定，但已经找到了吸引力。

加密货币将继续存在，现金以及传统金融形式不会很快被淘汰。

Digital payment and settlement have existed for a long time, and private digital currency has a history of more than ten years, but 2020 will become a milestone in the history of digital finance.

New technical areas of personal payment and settlement are opening up. The surge in private digital currencies has had a profound impact on the supply of money and the store of value.

For more than half a century, the central bank has been creating money through digital means, and is now plagued by the innovation and expansion of financial technology.

Although the standards, regulations, and acceptance of digital currencies in the private sector have not yet been fully determined, they have found appeal.

Cryptocurrency will continue to exist, and cash and traditional financial forms will not be eliminated anytime soon.

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编译者/作者：LeLeFoodChain

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