BIS-跨境零售央行数字货币支付新路径-42页

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Bank of Israel

Sveriges Riksbank

Project Icebreaker

Breaking new paths in cross-

border retail CBDC payments

March 2023

Project Icebreaker - Breaking new paths in cross border retail CBDC payments

Content

Foreword 4

1. Executive summary 6

2. Definitions, acronyms, and abbreviations 9

3. Introduction 11

4. Overview of the model used for Project Icebreaker 11

4.1 Domestic rCBDC systems 11

4.2 FX providers 12

4.3 The Icebreaker hub 12

4.3.1 A hub-and-spoke solution 13

4.3.2 FX marketplace 14

4.4 The payment process 14

5. The experiment and solution design 17

5.1 The FX conversion mechanism 18

5.2 Communication and connectivity 20

5.3 Coordinated settlement in PvP and PvPvP style 21

5.3.1 The HTLC mechanism 22

5.3.2 Interactivity 23

5.3.3 Bridge currency extension 23

5.4 Test scenarios 24

6. Policy considerations 25

6.1 Governance 25

6.2 Resilience 25

6.3 The FX mechanism 26

6.4 Liquidity provision for FX providers 27

6.5 Pricing of services 28

6.6 Privacy and AML/CFT 28

6.7 Addressing and payment initiation 29

7. Concluding discussion 29

References 32

Appendix A: Description of the three PoC rCBDCs 34

Bank of Israel – the digital shekel prototype 34

CBDC platform – based on DLT 35

Project Icebreaker - Breaking new paths in cross border retail CBDC payments

Validation of tokens 35

Norges Bank – the NOK-CBDC prototype 35

Underlying technology – Hyperledger Besu 36

Validation of tokens, settlement, and finality 36

Sveriges Riksbank – the e-krona test prototype 37

CBDC-platform – based on DLT and UTXO 37

Validation of tokens, settlement and finality 38

Appendix B: Payment data in Icebreaker 39

Appendix C: Project participants and acknowledgements 40

Bank of Israel 40

BIS Innovation Hub 40

Norges Bank 40

Sveriges Riksbank 41

Acknowledgements 41

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1BankofIsraelSverigesRiksbankProjectIcebreakerBreakingnewpathsincross-borderretailCBDCpaymentsMarch2023ProjectIcebreaker-BreakingnewpathsincrossborderretailCBDCpayments2ContentForeword41.Executivesummary62.Definitions,acronyms,andabbreviations93.Introduction114.OverviewofthemodelusedforProjectIcebre...

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