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欧易区块链60讲 | 第56集：什么是区块链+跨境支付

欧易

发布于 2022年12月06日

更新于 2024年4月25日

阅读时长 3 分钟

哈喽大家好，我是小K君，今天我们要讲的内容是：“什么是区块链+跨境支付”？

所谓“区块链+跨境支付”，就是指将区块链技术应用到跨境支付领域上。跨境支付+区块链是一个具有颠覆性的应用场景，甚至有可能重新构建现有国际金融网络，为什么这么说？原因就在于区块链技术可以绕过现有的SWIFT体系，彻底解决跨境转账时的资金结算问题。

下面我们就来具体解释这件事。

说起传统的跨境转账模式，一般，我们要去银行柜台，填写相关的电汇票据，随后至少要等一到两周的时间，钱款才能完成转账，如果是大型贸易交易的电汇，这个周期时长还会更久。而之所以这么慢的原因，在于我们资金在转账的过程中，需要经手一个叫做“SWIFT”的机构，所谓“SWIFT”全名叫做环球同业银行金融电讯协会，主要是为各国银行提供结算服务的。

当银行a想往银行c转钱，在SWIFT处理的过程中，不会直接就完成从a到c这一行为，而是需要先通过SWIFT中用户的借贷、账户关联等关系，对银行间的账户进行匹配，然后匹配一个最优路径，一层一层把钱转过去，整个路径是从银行a先到银行b再到银行c。

甚至当转账金额量级比较大的时候，则需要对资金进行拆分，分成很多笔，由不同的路径完成转账，每笔资金也都重新匹配转账路径，经历a-b-c这样的过程，另外资金每走一步，经过的每个银行还要再由SWIFT中心化系统清算一次，这就导致传统的跨境转账，有着流程繁琐，周期较长等弊端。

而区块链技术应用在跨境支付领域时，则完全不同。它相当于重新构建了一个新的去中心化的转账网络，绕过了SWIFT网络，并且基于区块链的网络性质，数据透明可查、不可篡改。

另外区块链在做跨境支付时，与传统SWIFT网络根本性不同的是，SWIFT网络本质仍是现金的传递，区块链的本质则是信息的传递，当使用区块链做跨境转账时，直接就会从a传递到c，哪怕是区块链中处理效率最慢的公链，也都能在1个小时以内完成转账，不存在很长的交易延迟。所以，区块链应用在跨境支付上面，是非常具有划时代意义的。”

目前，区块链+跨境支付是一个25到30万亿美元的巨大市场，像国内外金融巨头蚂蚁，摩根，都已经有了落地的相关产品，相信未来随着跨境支付与区块链技术的结合，将会出现下一个金融蓝海，构建一个全新的金融时代。

感谢昌用老师对本集内容的帮助和指导。

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