国际清算银行与纽约联储启动 Project Pine 智能合约工具测试，探索代币化货币政策应用
ChainCatcher 消息，据 Cointelegraph 报道，国际清算银行（BIS）与纽约联邦储备银行创新中心联合开展研究，测试基于智能合约的代币化货币政策工具包。这项名为 Project Pine 的实验旨在探索区块链技术如何帮助央行在未来的代币化金融系统中实现快速政策响应。
根据 BIS 于 5 月 15 日发布的报告，研究团队开发了一套“通用可定制代币化货币政策工具包”原型，并在假设场景中验证其灵活性。结果显示，央行能够即时调整政策工具参数，例如抵押品标准和利率，并在 10 分钟内完成流动性抵押品与非流动性抵押品的置换。
BIS 强调，若货币与证券代币化被广泛采用，智能合约将成为执行货币政策的核心技术。该框架允许央行“即时”部署新设施，例如调整储备金利率或提供流动性支持，从而在抵押品价值下跌等危机中快速应对。报告称，这种速度与灵活性为央行应对“突发事件和快速演变的风险”提供了新思路。
不过，报告也指出当前金融基础设施的局限性。多数传统系统尚未兼容智能合约等高级用例，央行在推进技术整合时可能面临挑战。Project Pine 的测试采用以太坊 ERC-20 代币标准，并结合另一套“访问控制”标准以确保合规。
近年来，金融机构加速布局代币化技术。在 Consensus 2025 会议上，美国存管信托与清算公司（DTCC）数字资产产品总监 Joseph Spiro 曾表示，稳定币是贷款或衍生品等交易中实时抵押管理的“理想”工具。此次 BIS 与央行的合作，进一步印证了传统金融领域对区块链技术的探索趋势。
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