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我一直在关注围绕实时全额结算（RTGS）系统更新及其与新兴跨境支付解决方案的交叉讨论。特别是各国央行为实现更快、更透明的交易而加强基础设施的努力。
然而，监管环境似乎仍然是真正创新的全球支付渠道广泛采用的主要瓶颈。我们看到像“邓巴项目”（Project Dunbar）（尽管现已结束）和各种国家努力都取得了进展，但各国之间反洗钱/打击恐怖主义融资（AML/CFT）标准和数据隐私法规缺乏协调，仍然给支付服务提供商（PSPs）带来了巨大的摩擦。
您认为哪个监管机构或国际联盟最能推动这种协调？或者更有可能是一种自下而上、国家间双边协议的方式？
Totally agree. The tech is there, but getting dozens of central banks and regulators on the same page for interoperability seems like a Herculean task.
Good point on the bottlenecks. I'd add that differing data privacy laws and AML/CFT requirements in each jurisdiction are also massive friction points for a truly seamless global system.
Project Dunbar was interesting, but I wonder if the focus on CBDCs as a core component of cross-border settlement might actually introduce new regulatory complexities rather than simplifying them.
Isn't it also about commercial interests? Established players have a vested interest in the current system, making true disruption harder even with the tech and regulatory will.
I'm optimistic. The pressure from consumers and businesses for faster, cheaper cross-border payments is immense. Regulators will eventually have to adapt or risk being bypassed by private solutions.
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