京东正式宣佈将在全球范围内申请稳定币許可證照,首个试点选择Hong Kong land,直接挑战SWIFT系统的主导地位。 据报道,这项创新将把跨境汇款时间从3天缩短至仅需10秒,同时将成本从100美元降低到10美元美元。 这一举措不仅仅是发行数字货币,更是对世界付款管道的根本性重构,预示着跨境支付领域的竞争格局将发生显有变化。

JD's stablecoin strategy is based on three core advantages. First, in terms of compliance, JD plans to obtain the relevant licenses after the implementation of the Hong Kong Stablecoin Regulation in August. Its stablecoin will adopt a 100% cash-backed reserve model, allowing for real-time on-chain queries, and will be audited by Standard Chartered Bank and Deloitte. At the same time, JD is also applying for compliance qualifications under the EU MiCA and U.S. regulations, aiming to create a global payment network.

On a technical level, JD's stablecoin will support a 1:1 peg with the Hong Kong dollar and the US dollar, combining on-chain auditing and off-chain custody as a dual security mechanism to create a cross-border settlement tool with high liquidity stability.

JD's ecological strategy is being implemented in two phases: the first phase focuses on cross-border settlement services, with a tested transaction volume exceeding 1 billion HKD; the second phase will expand into areas such as consumer payments, retail settlement, and supply chain finance. This stablecoin will serve as the settlement medium for JD's global ecosystem, providing users with a more convenient cross-border service experience.

Hong Kong users can currently apply to participate in the "Test Coin" phase, which may become an opportunity to share in the early development dividends. As the project progresses, the global payment market landscape may undergo significant transformation.