数字英镑与商业银行货币间互操作性和资金锁定的支付用例与设计选项
Payments Use Cases and Design Options for Interoperability and Funds Locking across Digital Pounds and Commercial Bank Money
AI总结：
本文聚焦数字英镑与商业银行货币间的通信、资金锁定、互操作性三项能力，通过三类支付用例分析设计选项，发现提供特定能力的金融市场基础设施可简化多方运营并促进创新服务发展。
摘要：
各国央行正积极探索零售型央行数字货币（CBDC），英格兰银行目前正处于潜在英国零售CBDC——数字英镑的设计阶段。在之前的论文中，我们定义并探讨了功能一致性这一重要概念（即不同形式的货币具有相同操作特征的原则），并基于一组关键能力评估了支持数字英镑与商业银行货币间功能一致性的设计选项。在本文中，我们继续分析支持功能一致性的设计选项，且为开展详细分析，我们聚焦三项关键能力：数字英镑生态系统参与者之间的通信、资金锁定，以及数字英镑与商业银行货币间的互操作性。我们通过三个支付用例探讨这些关键能力：个人对个人推送支付、商户发起的支付请求，以及资金锁定与实物交付付款。随后，我们提出并评估了为每个用例提供特定能力的设计选项的适用性，并得出初步见解。我们的结论是，提供特定能力的金融市场基础设施（FMI）可简化生态系统参与者的体验，简化英格兰银行和数字英镑支付接口提供商（PIPs）的运营平台，并促进创新服务的创建。我们还确定了潜在的后续步骤。
英文摘要：
Central banks are actively exploring retail central bank digital currencies (CBDCs), with the Bank of England currently in the design phase for a potential UK retail CBDC, the digital pound. In a previous paper, we defined and explored the important concept of functional consistency (which is the principle that different forms of money have the same operational characteristics) and evaluated design options to support functional consistency across digital pounds and commercial bank money, based on a set of key capabilities. In this paper, we continue to analyse the design options for supporting functional consistency and, in order to perform a detailed analysis, we focus on three key capabilities: communication between digital pound ecosystem participants, funds locking, and interoperability across digital pounds and commercial bank money. We explore these key capabilities via three payments use cases: person-to-person push payment, merchant-initiated request to pay, and lock funds and pay on physical delivery. We then present and evaluate the suitability of design options to provide the specific capabilities for each use case and draw initial insights. We conclude that a financial market infrastructure (FMI) providing specific capabilities could simplify the experience of ecosystem participants, simplify the operating platforms for both the Bank of England and digital pound Payment Interface Providers (PIPs), and facilitate the creation of innovative services. We also identify potential next steps.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
