Project Agora 项目阿戈拉

Project Agora, an initiative led by the Bank for International Settlements (BIS) with the cooperation of seven different public institutions, has chosen the group of private financial partners that will participate in the design of a system that uses tokenization to enhance the current payments experience, principally across borders.

由国际清算银行（BIS）领导，与七家不同的公共机构合作的倡议项目Agroa已经选择了一组私人金融合作伙伴，他们将参与设计一个利用代币化来增强当前支付体验的系统，主要是跨境支付。

The project, which includes the participation of the Bank of France, Bank of Japan, Bank of Korea, Bank of Mexico, Swiss National Bank, Bank of England, and the Federal Reserve Bank of New York, has enlisted the help of 40 private institutions that will help in designing, implementing and testing the concept of unified ledger. This combines tokenized assets, public wholesale money, and private tokenized deposits in the same network.

该项目包括法国央行、日本央行、韩国央行、墨西哥央行、瑞士国家银行、英格兰银行和纽约联邦储备银行的参与，并征集了40家私人机构的帮助，他们将协助设计、实施和测试统一账本的概念。这将在同一网络中结合代币化资产、公共批发货币和私人代币化存款。

The banks and institutions selected include heavyweights from all regions, like JPMorgan Chase, Santander, BBVA, BNP Paribas, BNY, Deutsche Bank AG, HSBC, Lloyd’s, MUFG, Standard Chartered, Visa, Mastercard, Swift, Sumitomo Mitsui, and others.

所选的银行和机构包括来自各个地区的重量级机构，如摩根大通、桑坦德银行、西班牙国民银行、巴黎银行、纽约梅隆银行、德意志银行、汇丰银行、劳埃德银行、三菱日联金融集团、渣打银行、Visa、万事达卡、Swift、三菱日联银行等。

The next step is to enter the system’s design phase and establish the role of these private institutions in the network. Ultimately, while BIS acknowledges that Agora is an experimental initiative, the project seeks to build a prototype to test various financial use cases. “The lessons learned during the project may set out a path for a new type of financial market infrastructure tailored to cross-border payments based on new technology,” the institution stresses.

下一步是进入系统设计阶段，并确定这些私人机构在网络中的角色。最终，尽管BIS承认Agora是一个实验性倡议，但该项目旨在建立一个原型来测试各种金融使用案例。“在项目期间学到的经验教训可能为基于新技术的跨境支付定制一种新型金融市场基础设施铺平道路，”该机构强调道。

Agora was first announced in April by the BIS, emphasizing the relevance of technologies such as tokenization and smart contracts for modernizing the current settlement system. BIS Chief Agustin Carstens highlighted tokenization’s usefulness for this process before, stating that the real challenge was coordinating the regulatory and legal frameworks for the operation of such a network.

Agora项目于4月首次由BIS宣布，强调了代币化和智能合约等技术对于现代化当前结算系统的相关性。BIS首席执行官阿古斯汀·卡斯滕斯此前曾强调代币化对这一过程的有用性，并表示真正的挑战在于协调这样一个网络运作的监管和法律框架。

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