BIS-AGORA

BIS Agora unified ledger wholesale CBDC + bank deposits.

Définition

Agora ambition : building on mBridge concept mais elargi avec (1) inclusion commercial bank tokenized deposits (vs mBridge wholesale CBDC only), (2) 7 monnaies majeures (USD, EUR, GBP, JPY, KRW, MXN, CHF) vs mBridge regional Asia-Middle East, (3) integration ISO 20022 messaging + SWIFT GPI compatibility, (4) smart contracts programmable money + FX automatic settlement + AML/CFT compliance integration. Architecture : permissioned blockchain custom BIS, central banks chacune control son wholesale CBDC + accreditation commercial banks (~30 commercial banks selectes), Atomic PvP settlement. Timeline : 2024 design phase, 2025 pilot prototype, 2026+ production possible. Concept Agora propose par BIS Economic Adviser Carstens 2023 conference.

Origine

BIS Agora announce 3 avril 2024 par BIS Innovation Hub New York ; 7 central banks fondatrices + ~30 commercial banks ; 2024 design phase, 2025 pilot, 2026+ production.

Exemple en contexte

Hypothetique Bank of America transfere $1B USD a HSBC London via Agora 2026 : wholesale Federal Reserve dCash USD + tokenized deposit BAC, atomic swap + Bank of England wholesale eGBP + tokenized HSBC deposit, settlement automatic via smart contract <1 minute vs 2-3 jours correspondent banking traditionnel.

Termes liés

• BIS mBridge — precurseur project.