6月25日蚂蚁金服在香港发布了基于区块链技术的普惠跨境汇款服务，*支持从香港到菲律宾的汇款：支付宝香港版即AlipayHK可向菲律宾当地电子钱包Gcash汇款，渣打银行负责日终的资金清算和货币兑换服务，基于区块链技术，跨境汇款首次进入秒级时代。香港财政司司长陈茂波、长和集团联席董事总经理霍建宁、阿里巴巴集团董事局主席马云、蚂蚁金服董事长兼CEO井贤栋等人到现场见证首笔汇款，体现出对活动的重视。
On 25 June, released in Hong Kong an inclusive cross-border remittance service based on block chain technology,* supporting remittances from Hong Kong to the Philippines: to pay money from the Hong Kong version of , based on block technology, cross-border remittances for the first time into the second phase.
马云近半年最重视的项目
The most important project in the last six months
事实上，看到马云出现在这个活动现场，我还是蛮意外的。因为马云已很少参加公司产品发布会，一般只出现在公益、战略合作、全球化推进等场合，业务发布会还坚持出现的只有一个，就是天猫双11狂欢节结束后的发布会上。马云自己介绍，本次参加活动是十分重视这个项目，他甚至表示基于区块链的跨境汇款，是他本人过去半年最关心的项目。
In fact, I was surprised to see Maun present at this event. Because Maun has rarely participated in company product launches, usually in public goods, strategic cooperation, globalization, etc., the event has insisted that be the only one at the end of the 11th Carnival.
一方面，马云本人对于跨境汇款的痛点有切身感受，普惠金融是马云的愿景。马云当年去澳洲时*次出国体现到了跨境汇款的艰难，推动普惠金融，让每个人享受到董事长一样的VIP金融服务也是阿里做支付宝的初心，在马云提出的“五新”中，新金融*要义就是普惠金融，让过去不被传统金融机构重视的人群得到平等的金融服务，正是因为此，马云表示支付宝区块链普惠跨境汇款的产品发布会，“是一个理想，一个愿景”。
On the one hand, Maun himself felt the pain of cross-border remittances: Inclusive Finance was Maun’s vision. On the other hand, when he went to Australia, he * demonstrated the difficulty of cross-border remittances, promoted inclusive finance, and enabled everyone to enjoy the President-like financial services of the VIP, which, in the “Five News” proposed by Maun, was meant to be inclusive finance, giving equal access to financial services to groups not previously valued by traditional financial institutions.
虽然金融正在被互联网深刻改变，不过跨境汇款一直都是互联网难以碰触的领域，体验停留在十年前。因为参与机构多、涉及法律法规和汇率等问题，跨境汇款要10分钟到几天不等，晚7点后汇款最早要次日到账。此外，跨境汇款需要高昂的手续费、汇款人要填写较多收款人资料，出错后很麻烦，蚂蚁金服区块链跨境汇款服务跟普通转账一样方便，实时到账、省钱、省事、安全、透明。
While finance is undergoing profound changes on the Internet, cross-border remittances have been a difficult area for the Internet until 10 years ago. Cross-border remittances range from 10 minutes to a few days because of the number of institutions involved, laws and regulations and exchange rates, and the earliest possible day after 7 p.m. In addition, cross-border remittances need to be high transaction costs , senders have to fill in more recipient information, and it is difficult to make mistakes, and the cross-border remittance service in the ant gold section is as easy as ordinary transfers, in real time to account, save money, provincial affairs, security, transparency.
另一方面，马云对于区块链技术十分重视。马云不懂技术，但一直以来都敬畏技术。不论是成功打造阿里云、斥资千亿成立达摩院、率先研发芯片，都表明阿里对技术的重视，而对于2018年炙手可热的区块链技术，马云很早就给予关于，且下了一个断言：区块链不是泡沫，但比特币可能是：
“区块链技术今天必须解决数据的隐私安全问题，必须解决可持续发展问题，必须解决绿色问题，必须解决普惠问题。区块链不可能也不应该用来一夜暴富，区块链必须解决社会问题。”
“Technology of block chains today must address the privacy security of data, sustainable development issues, green issues, and inclusion. Block chains cannot and should not be used to thrive overnight, and block chains must address social problems.”
蚂蚁金服跨境汇款服务是全球*个真正基于区块链的跨境汇款服务，也是蚂蚁金服*个面向公众的基于区块链的金融服务，此前蚂蚁金服区块链技术已在公益捐款、商品正品溯源、保险追踪、租房管理上应用，这一次终于将区块链应用到蚂蚁金服最核心的金融服务最核心的汇款转账场景上。
马云出现在这个活动表明其对区块链技术应用的肯定，马云还承诺“从香港开始，我们将会把汇款的服务用区块链的技术来改善，让全世界各地小企业、每个家庭、每个人汇款，用*的成本、最快的速度、最方便的方式方法，最最有效的方法，能够让每个人获得普惠的金融服务。”香港-菲律宾只是起点，未来这一服务会成为一张跨境支付网络，让全世界的汇款像支付宝转账一样方便。
Maun's presence at this event is an indication of his recognition of the application of block chain technology and his commitment to “beginning in Hong Kong, we will use block chain technology to improve remittance services, allowing small businesses, households, everyone around the world to send remittances, with* costs, speed, the most convenient ways and means, and the most effective way to get everyone to have access to inclusive financial services.” Hong Kong-Philippines is only the starting point, and in the future it will become a cross-border payment network, making it as easy as paying for treasure transfers around the world.
*个区块链跨境汇款
* Cross-border remittance chain
支付宝跨境汇款是全球*个区块链跨境汇款服务，或许有人对此不认同。此前美国电子钱包公司Circle推出了基于比特币的全球汇款服务，基于RIPPLE币（瑞波币）也有一些跨境汇款出现，但事实上，这些都不是真正的基于区块链技术的跨境汇款，即不是基于区块链技术本身，也没有体现出区块链技术的价值。
Cross-border remittance of payment treasures is a global* block chain cross-border remittance service, which some people may not agree with. Previously, the US electronic wallet company Circle had launched a Bitcoin-based global remittance service, and some cross-border remittances were made on the basis of RIPPLE (Ripoon), but in fact these were not truly block-chain-based transfers, i.e. not based on block-chain technology per se, nor did they reflect the value of block-chain technology.
Circle的汇款方案是基于比特币，简单地说就是用汇款人的货币购买比特币，转给收款人后兑换为当地货币，只不过中间的比特币兑换过程，对汇款人和收款人都是透明的。这样做的问题很多：
Circle’s remittance programme is based on bitcoin, which simply means buying bitcoin in the money of the sender and converting it into local currency when it is transferred to the payee, except that the middle bitcoin exchange process is transparent to both the sender and the payee. There are many problems in doing so:
1、时间长，因为数字货币交易所交易效率7笔／秒，写一个区块的时间是10分钟，完成确认需要1小时，不能做到实时到账，时效性甚至不如传统银行汇款；
1. The length of time, given the seven transaction efficiencies of the digital currency exchange, is 10 minutes for writing a block, takes one hour to complete the confirmation, does not allow real-time access to the accounts, and is even less time-sensitive than traditional bank transfers;
2、汇率风险，比特币受市场因素影响价格不断波动，一个小时完全可能让汇款贬值——当然也可能升值；
Exchange rate risk, the constant volatility of the price of Bitcoins due to market factors, with the potential to depreciate remittances — and, of course, to appreciate — within an hour;
3、安全风险，比特币交易匿名且不可追溯，因此已是洗钱的理想币种，基于比特币的跨境汇款不被监管认可，Circle已关闭相关功能，此外，交易所倒闭或者停止服务也可能会造成汇款损失。
3. Security risks, the anonymity and non-retroactivity of Bitcoin transactions, and therefore the ideal currency for money-laundering. Cross-border transfers based on Bitcoin are not subject to regulatory approval, the functions of the Circle have been closed down and, in addition, the collapse of the exchange or the discontinuation of services may result in the loss of remittances.
基于瑞波币的跨境汇款有两种方案，一种是碰币的，问题跟Circle基于比特币的跨境汇款一样，而且由于瑞波币大部分掌握在少数人手里，价格更容易被操纵；另一种是不碰币的，采取私有链模式，不适合大规模的跨行金融服务，主要服务于B端金融机构，比如桑坦德银行目前用RIPPLE进行内部资金转账，RIPPLE迄今为止还没有落地面向普通用户的2C跨境汇款，未来基于私有链模式的跨境汇款或许会支持点对点的银行间的汇款，但要支持多对多的汇款不现实。
There are two options for cross-border remittances based on Ripoco, one of which is to touch currency, the problem is the same as that of cross-border remittances based on Bitcoin by the Circle, and the price is more easily manipulated because the majority of Ripoco is in the hands of a few; the other is not to touch currency, using the private chain model, which is not suitable for large-scale cross-border financial services, mainly for B-end financial institutions, such as Banco Santander, which currently uses RIPLE for internal transfers, which has so far not reached 2C for ordinary users, and future cross-border remittances based on the private chain model may support point-to-point interbank transfers, but it is unrealistic to support many more remittances.
相对于Circle和RIPPLE而言，支付宝跨境汇款时效性更高：通过共识算法的创新，蚂蚁区块链已实现每秒数万笔的大规模交易处理能力，同时不碰数字货币，减少了汇出方货币与数字货币、数字货币与收款方的两次兑换，可以3-6秒到账。由于不碰数字货币，时效性高，就不会有任何汇率和安全风险，蚂蚁区块链跨境支付不只是没有任何监管风险，还得到监管支持，香港财政司司长陈茂波亲自到场支持；用户不需要上传任何敏感信息，非敏感信息也要进行哈希处理确保用户信息安全，因此可以确保在不同机构共享信息的同时，保护用户信息安全。
从体验来看，蚂蚁金服跨境支付能做到跟支付宝账号转账一样的效率，超越此前各种形式的跨境汇款，正是因为背后有着独特的业务逻辑以及对区块链核心技术的应用。采取公有链模式不依赖数字货币意味着蚂蚁金服的跨境汇款有更强的包容性，可以实现多个国家/地区，多个平台（金融机构/电子钱包）和多个币种间的跨境汇款服务。
The experience of
可以说，蚂蚁金服跨境汇款才是真正意义上的区块链跨境汇款服务，虽然与数字货币没关，却应用了区块链技术最重要的几个能力：智能合约、共识机制、联盟记账，进而具有交易最终性、多机构联盟记账和智能合约三大能力，而这对于跨境汇款十分重要。跨境汇款中有大量的不同国家/地区、不同币种、不同金融机构、不同参与者协作，又涉及到法律监管汇率等问题，是十分复杂的金融场景，现在看来，区块链技术或许是解决这个问题的方向。
It can be said that cross-border remittance of ants is a genuine chain of cross-border remittance services and, while not related to digital currency, the application of several of the most important capabilities of block-chain technology: smart contracts, consensus mechanisms, coalition bookkeeping, which in turn has three main capabilities: transaction finality, multi-agency alliances, and smart contracts, which are important for cross-border remittances. The large number of different countries/regions, currencies, different financial institutions, collaboration among different players, and issues such as legal regulation of exchange rates are highly complex financial scenes, and it now appears that block-chain technology is likely to be the way to address this problem.
为什么先是香港到菲律宾？
Why did Hong Kong go to the Philippines first?
这次蚂蚁金服率先在香港和菲律宾两地上线区块链跨境汇款业务，不让人意外。
It is no surprise that this ants gold suit was the first to cross-border remittance operations in Hong Kong and the Philippines.
支付宝很早就已进入香港市场，不只是覆盖到了内地游客的各种主要支付场景，同时还发布了面向当地用户的AlipayHK。更重要的是，香港市场船小好调头，很适合作为新金融的创新沃土。
The payment treasure has entered Hong Kong’s market long ago, not only covering major payment scenes for tourists in the Mainland, but also publishing AlipayHK for local users. More importantly, Hong Kong’s market ships are small and well prepared to serve as a fertile ground for innovation in new finance.
香港也一直在区块链应用上走在前列，5月香港财政司司长陈茂波就曾透露香港金融管理局正在进行分布式账本技术的研究，深入探讨在按揭业务，贸易融资业务以及电子身份管理这三个业务范畴的应用情况。作为全球*金融中心之一，香港对区块链的态度也是金融监管的一个风向标，金融监管对于数字货币可能会谨慎甚至SayNO，但是对于区块链技术一定会积极拥抱。
Hong Kong has also been at the forefront of block-chain applications, and in May Hong Kong's Treasury Director Chen Maobo revealed that the Hong Kong Financial Services Authority is conducting a study of distributed accounts technology to explore in depth the application of the three lines of business: mortgage operations, trade finance operations, and electronic identity management. As one of the *global financial centres, Hong Kong's attitude to block-chains is also a sign of financial regulation, and financial regulation may be cautious about digital currencies and even Sayno, but it will be positive about block-chain technologies.
国际化则是另一重考量。这是蚂蚁金服未来的战略方向之一，而它的全球化战略分三步走：先让中国用户在海外能用支付宝，再给当地用户提供电子钱包服务，最后在从支付延展到金融服务。从本次提供区块链跨境汇款来看，蚂蚁金服已经在第三步上尝试。香港是中国企业出海的桥头堡，而菲律宾是蚂蚁金服以及阿里全球化重镇东南亚的核心市场，因此本次率先在香港与菲律宾上线跨境汇款也有全球化的考量，未来基于区块链的跨境汇款也许将会成为蚂蚁金服海外业务的重要切入点。
Internationalization is another important consideration. This is one of the strategic directions for the future of ants. Its globalization strategy goes in three steps: to allow Chinese users to use payment treasures overseas, and to provide electronic wallet services to local users, and eventually to extend from payment to financial services. From the current supply of block chains of cross-border remittances, ants gold suits have been tried in step 3. Hong Kong is a bridgehead for Chinese enterprises to the sea, while the Philippines is the core market for South-East Asia in the globalized town of Ali.
当蚂蚁区块链回到金融
when the ant block chain returns to finance
从跨境汇款服务的发布来看，蚂蚁金服在经过两三年的区块链基础技术沉淀后，在食品安全等领域试水区块链技术后，正在将其应用在核心金融业务上。
According to the distribution of cross-border remittance services, ant gold suits are being applied to core financial operations after two or three years of technical deposition of block chain infrastructure and testing of water block chain technology in areas such as food safety.
知识产权产业媒体IPRdaily发布的“2017全球区块链企业专利排行榜”显示，阿里巴巴以49件专利数排名中国企业*，这些专利全部出自于蚂蚁金服技术实验室，蚂蚁金服在共识算法、数字加密、跨区块链价值转移和数据交换上都取得技术突破。
The IPRdaily publication of the Global Patent List for Block Chain Enterprises of 2017 shows that Alibaba ranks China's enterprises* with 49 patents, all from the ant gold jacket technical laboratory, all of which have achieved technological breakthroughs in consensus algorithms, digital encryption, cross-block chain value transfer and data exchange.
在储备好基础技术后，蚂蚁金服区块链的重点将是与金融结合。作为全球估值最高的金融科技巨头，蚂蚁金服将区块链应用到金融的做法将会影响行业，同时蚂蚁金服技术开放的思路意味着，区块链金融技术未来会开放给金融行业，比如区块链跨境汇款服务，就可能会成为金融业标配。
When basic technology is stored, the focus of the ants’ gold suit chain will be on financial integration. As the world’s most valued financial technology giant, the application of the ants’ gold suit to finance will affect the industry, while the idea of opening the ants’ gold suit technology means that the ants’ chain financial technology will open up to the financial sector in the future, such as the chain of cross-border remittance services, which may become the financial industry’s label.
蚂蚁金服对于区块链的态度对于区块链行业来说是一支清醒剂。它一直坚持不碰数字货币，而是将区块链技术应用到各种实实在在的场景中，联盟链场景下蚂蚁区块链每秒交易笔数实测达2.5万笔。
The attitude of an ant gold to a block chain is a sobering agent for the block chain industry. Instead of touching digital currency, it insists on applying block chain technology to a variety of real scenarios, where the chain of ants is traded up to 25,000 times per second.
马云本次再次明确这个理念：
Ma Yun once again made this idea clear:
“蚂蚁金服目前是全世界申请区块链专利技术最多的公司，但是蚂蚁金服连1块钱的比特币都没有，因为我们相信区块链技术和金钱没有多大的关系，区块链不是一个金矿，而是数据时代解决问题、解决隐私问题、安全问题、信用问题的一种解决方案。”
“Ant gold suits are currently the most patented technology for block chains in the world, but they do not even have a dollar bitcoin because we believe that block chain technology and money have little to do with it, and that they are not a gold mine, but rather a data age solution to problems of privacy, security, credit.”
蚂蚁金服董事长兼CEO井贤栋也明确表态，蚂蚁区块链有“三做三不做”：
The director of the ant gold suit and CEO Kenji also made a clear statement that the ant block chain consists of "three do not do it":
“要解决有社会价值的实际问题；要不断攻克区块链通向大规模实际应用的技术障碍；要与合作伙伴一起共建开放的区块链生态。不做“空气币”；不做违反法律法规的技术应用；不做任何伤害用户数据安全和隐私的行为。”
“To solve practical problems of social value; to continuously seize the technical barriers that link blocks to large-scale practical applications; to build open block chain ecology together with partners; not to do “air coins”; not to do technical applications that violate laws and regulations; and not to do anything that harms user data security and privacy.”
蚂蚁金服区块链跨境汇款服务，正是阿里巴巴和蚂蚁金服对区块链技术态度的一个缩影。
The cross-border remittance service for the ants gold-suit chain is a microcosm of the technical attitude of Alibaba and ants gold-suits to the block-chain.
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Hotspot incident tracking:
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