馬來西亞央行推資產代幣化三年計劃

馬來西亞中央銀行制定三年計劃推動資產代幣化

馬來西亞國家銀行(BNM)最近公布了一項為期三年的計劃,旨在探索和測試金融領域的資產代幣化。根據這項倡議,BNM將通過其數字資產創新中心(DAIH)啟動概念驗證(POC)項目和實地試點。

這項計劃的一個重要組成部分是成立資產代幣化產業工作組(IWG),該工作組將協調行業內的探索,分享知識並識別監管和法律挑戰。工作組由BNM和證券委員會(SC)共同領導,最初將專注於能夠展示“明確”經濟價值的基礎用例。

代幣化存款、穩定幣及CBDC整合

中央銀行明確指出,這次代幣化將重點放在現實資產上,而非加密貨幣。計劃中提到的一些用例包括供應鏈融資,以擴大中小企業的信貸獲取、代幣化流動性管理以加快結算速度,以及能夠自動化符合伊斯蘭教法的交易的伊斯蘭金融應用。其他領域還包括可編程支付、綠色金融和24/7的跨境貿易結算。

BNM還計劃研究以馬來西亞令吉(MYR)計價的代幣化存款和穩定幣的角色,旨在保持“貨幣的單一性”,同時實現高效的數字結算。還將探索批發中央銀行數字貨幣(CBDC)的整合。

根據這項計劃,馬來西亞希望與其他亞洲監管機構,如新加坡的金融管理局(MAS)和香港金融管理局(HKMA),一起推進資產代幣化,以現代化其金融基礎設施。行業對討論文件的反饋將於2026年3月1日截止。

馬來西亞監管機構提議加快加密貨幣上市

在七月,馬來西亞的證券委員會(SC)提出了一項新框架,允許經批准的加密貨幣交易所無需事先獲得監管機構的批准即可上市某些數字資產。根據該提議,交易所需確保上市資產已經過公共安全審計,並且在符合金融行動特別工作組(FATF)標準的平台上交易至少一年。

這一系列措施顯示出馬來西亞在推動金融科技創新方面的積極態度,特別是在資產代幣化和數字貨幣的領域。隨著全球對數字資產的興趣日益增長,馬來西亞的這些舉措不僅能提升其金融基礎設施的現代化程度,還能吸引外資,促進經濟增長。然而,如何平衡創新與監管之間的關係,仍然是未來發展中需要面對的重要挑戰。

以上文章由特價GPT API KEY所翻譯及撰寫。而圖片則由FLUX根據內容自動生成。

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{
"intro": "Create an ultra realistic 8K UHD DSLR photo based on the attached image as a reference of facial features, maintaining 100% likeness.",

"subject": {
"identity": "A stylish beautiful woman portrayed as Cleopatra, the eternal Queen of Egypt, radiating supreme authority, elegance, and divine power.",
"angle": "Full-body editorial portrait captured at a cinematic 3/4 angle, both Cleopatra and the horse positioned diagonally, rendered in ultra-crisp clarity with no blur.",
"pose": {
"body_position": "She is riding a majestic white horse, seated confidently with impeccable royal posture, her torso slightly turned to a 3/4 angle to emphasize grace and dominance.",
"hands": "One hand gently holds the gold-accented reins, while the other rests elegantly near her waist, displaying ornate jewelry.",
"expression": "She looks directly at the camera with a calm, commanding, and seductive gaze—the unmistakable presence of a queen born to rule."
}
},

"appearance": {
"outfit": "An opulent, ultra-bongga Cleopatra couture gown in pristine white and radiant gold. The gown features a sculpted corset bodice richly embroidered with gold hieroglyphic motifs, sun-disk patterns, and crystal beadwork. Flowing white silk, chiffon, and sheer organza panels cascade dramatically from the waist and shoulders, creating powerful movement as she rides. A daring thigh-high slit reveals her leg, balancing sensuality with imperial elegance. Every seam is traced with gold-thread embroidery for a luminous, goddess-like silhouette.",
"accessories": "She wears the exact Cleopatra headpiece from the attached reference image: a regal black-and-gold striped nemes-style headdress with a polished gold cobra (uraeus) centerpiece at the forehead, structured side panels, and intricate gold detailing. Paired with a wide Egyptian collar necklace with turquoise accents, engraved gold arm cuffs, crystal finger rings, an ornate gold waist belt, delicate anklets, and elegant flat Egyptian sandals.",
"hair": "Her hair is fully concealed beneath the nemes headpiece as shown in the reference image, ensuring perfect historical accuracy and symmetry.",
"makeup": "Ultra-bold, highly colorful Egyptian eye makeup with ceremonial ink artistry. Her eyes feature sharp elongated black kohl eyeliner extended dramatically past the outer corners, layered with vivid turquoise, teal, emerald green, sapphire blue, violet, and metallic gold pigments blended in high-fashion gradients. Beneath each eye, intricate hand-drawn ink designs inspired by ancient Egyptian symbolism are visible—fine black and gold lines, dots, and sacred motifs echoing hieroglyphs and protective markings, following the natural curve of the lower eye and cheekbone. Her complexion is flawless and softly bronzed with luminous highlights, brows are sculpted and powerful, cheeks carry a subtle coral-rose flush, and lips are finished in a refined nude-rose satin tone to balance the intense, artistic eye look."
},

"props": {
"animal": "A powerful, majestic white horse with a flowing ivory mane, sculpted muscles, and intelligent dark eyes. The horse wears elegant white-and-gold tack engraved with Egyptian motifs, symbolizing royal conquest, divine favor, and sovereignty."
},

"background": {
"macro_environment": "A vast open desert landscape near the Egyptian palace and pyramids at golden hour, stretching endlessly beneath a dramatic sky glowing with gold, amber, and soft ivory tones.",
"midground_details": "Distant pyramids rising from the sand, monumental stone statues, ceremonial banners moving in the wind, and faint silhouettes of royal guards and attendants placed far behind for scale.",
"micro_elements": "Fine desert sand lifted by the horse’s movement, sharply defined gold engravings on the reins, visible embroidery threads on the gown, subtle translucency of sheer fabrics, radiant light reflections on gold surfaces, and crisp, realistic shadows—everything rendered with extreme clarity and zero blur."
},

"lighting": {
"type": "Cinematic natural golden-hour lighting with soft reflective highlights.",
"effect": "Warm sunlight intensifies the white-and-gold palette, ignites the vibrant eye makeup colors and ink details, and illuminates the horse’s coat, creating a radiant, divine, editorial glow."
},

"camera": {
"camera_type": "DSLR",
"resolution": "8K UHD",
"lens": "50mm prime lens",
"aperture": "f/8 for maximum sharpness across subject and background",
"iso": 100,
"shutter_speed": "1/250s to freeze motion while maintaining realism",
"focus": "Extreme sharp focus from foreground to background, no bokeh, no blur"
},

"style": "High-fashion editorial, cinematic realism, divine Egyptian royalty, white-and-gold couture contrasted with vibrant ceremonial eye art, powerful, sensual, ultra-detailed, sharp, majestic"
} Edit the uploaded photo (face based on the reference photo). Ensure the face remains consistent with the person in the uploaded image, without changing facial structure, skin tone . Create a Create an 8K ultra-realistic image of woman dancing joyfully in the rain at night, wearing a white sleeveless dress that flares out as she twirls. She has a bright, happy expression on her face. The background features softly glowing streetlights reflecting on a wet surface, creating a warm, shimmering ambiance. The rain is falling steadily, adding a dynamic and lively atmosphere to the scene.Using a Canon EOS R camera with a 50mm f/1.8 lens, f/2.2 aperture, shutter speed 1/200s, ISO 100 and natural light, Full Body, Hyper Realistic Photography, Cinematic, Cinema, Hyper detail, Ultra hd, Color Correction, ultra hd, hdr , color grading, 8k. An ultra-realistic photograph of an Asian woman in the reference image, faithfully replicating my face and maintaining it 100%. A woman with a perfectly sculpted hourglass figure stands on the sand at sunset. She wears a white string bikini, measuring,+++ accentuating her curves with a well-defined waist, hips, and toned figure. Her skin is fair, smooth, and radiant.

She stands next to a large, ornate gold-framed mirror, perched upright on the sand, fully revealing her reflection. The reflection clearly emphasizes her silhouette, curves, and body proportions.

The lighting is cinematic and stunning, creating soft highlights on her skin and sharp shadow contrasts that enhance the shape of her waist, hips, and legs.

The background features a dusk sky with sunset tones of deep blue, purple, and orange, gentle clouds, and the silhouettes of palm trees.

A natural beach atmosphere, realistic textures, sharp focus on the woman's body and reflections, high detail, Ultra HD, artistic aesthetic, warm lighting, and low angle.