BMW與JPMorgan首度實現鏈上自動外匯支付




BMW選擇JPMorgan進行首個鏈上可編程外匯支付
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德國汽車巨頭BMW集團利用JPMorgan的Kinexys數字支付網絡進行了外匯交易。
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由於Ian Allison報導 | 編輯Stephen Alpher

2025年12月9日,下午1:18

![BMW](https://www.coindesk.com/_next/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fs3y3vcno%2Fproduction%2F5d364a520e95ad5e623a22fd7818be587e6da7de-1500×661.jpg%3Fauto%3Dformat&w=3840&q=75)

要點:

* BMW集團利用Kinexys數字支付網絡,實現自動的歐元到美元的外匯交易,以支持其國際財務管理。
* 首筆交易涉及自動餘額檢查、條件自動存款、近乎實時的外匯交易及在BMW集團位於法蘭克福和紐約的區塊鏈存款賬戶之間的轉賬。
* 這一里程碑標誌著J.P. Morgan的Kinexys首次通過預定的完全自動化指令進行鏈上外匯支付。

德國汽車製造商BMW集團已成為首個通過大型銀行JPMorgan的Kinexys數字支付網絡執行完全預編程的外匯交易的公司。該公司於週二表示,BMW的德國和美國財務團隊通過JPMorgan的可編程支付應用程序預先定義條件,實現了從歐元到美元的自動化端到端外匯交易。該授權區塊鏈無縫轉移資金,從法蘭克福到紐約。

故事繼續

根據新聞稿,該過程在傳統結算窗口之外完成,且無需人工干預,使BMW集團能夠優化流動性,並根據預設條件實現近乎即時的多貨幣跨境支付。

“我們在區塊鏈技術及其他技術創新發展的基礎上實施了一個嚴格的實時財務管理路線圖,”BMW集團財務部門負責人Stefan Richmann表示。“首個完全自動化和可編程的支付代表了我們的一次飛躍,將使我們的支付流程更快、更無縫。”

JPMorgan在實驗授權版本的以太坊方面一直是先驅,並最近推動了更多創新,包括將該銀行的區塊鏈存款代幣JPM Coin引入Coinbase的去中心化Base網絡。

“我們自豪地幫助全球企業解鎖可編程支付和24/7/365鏈上外匯結算的綜合好處,”J.P. Morgan Kinexys數字支付全球客戶服務負責人Akshika Gupta表示。“我們的唯一焦點是建立下一代金融基礎設施,並期待與客戶合作實現金融的未來。”

這一事件不僅展示了BMW在財務管理上的創新,還突顯了區塊鏈技術在商業交易中的潛力。隨著企業越來越多地採用自動化和數字化解決方案,未來的商業環境將更加高效和透明。這也可能會引發其他行業的公司跟隨其腳步,進一步推動金融科技的發展。隨著技術的進步,企業在跨境交易中將能夠實現更高的靈活性和速度,這對於全球經濟的運行至關重要。

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Generate an ultra-realistic, highly ultra-detailed, 8k resolution with 1080x1080 pixel portrait of me using the uploaded image for reference (preserved the likeness and the original face for reference) of a cinematic studio portrait of a woman seated on a simple wooden chair with a minimalist design, positioned slightly to the left of the frame. She is captured in a contemplative pose, with her body turned to the left, her left arm resting gracefully on the back of the chair, and her right hand gently touching her face near her lips, conveying a sense of introspection and elegance. Her long, wavy hair cascades naturally over her shoulders, framing her face and adding softness to the composition. She wears an oversized, textured knit sweater that slips off her shoulders, exposing her collarbones and upper chest, emphasizing a relaxed and intimate mood. Her legs are bare, with her right foot flat on the ground and her left knee slightly raised, creating a dynamic line that guides the viewer’s eye through the composition. *** The background is a seamless, deep charcoal or dark brown studio backdrop, providing a rich, neutral setting that enhances the dramatic lighting. The lighting setup features a single, soft yet directional light source positioned to the left of the subject, casting gentle, sculptural shadows that highlight the contours of her face, shoulders, and arms, while creating a subtle gradient across her form. The light accentuates the texture of her sweater and the natural shine of her hair, adding depth and dimension to the image. The color palette is monochromatic with warm, muted tones—shades of gray, brown, and beige—contributing to a timeless, artistic aesthetic. The image is shot with a professional full-frame camera using an 85mm or 50mm lens at a wide aperture (f/1.8 to f/2.😎 to achieve a shallow depth of field, ensuring the subject is in sharp focus while the background remains softly blurred. The resolution is ultra-high, capturing every detail from the fine texture of her sweater to the subtle expression of her pose. The overall style is elegant, contemplative, and refined, emphasizing mood and atmosphere over overt glamour. Post-processing is minimal, maintaining natural skin tones, enhancing contrast and clarity, and preserving the authenticity of the scene. This portrait embodies a delicate balance between simplicity and emotional depth, making it suitable for fine art, editorial, or fashion photography. {
  "image_generation_request": {
    "prompt": "Ultra-realistic portrait of a man walking toward the camera on an airport runway at night He wears a white long-sleeve shirt with sleeves rolled up and dress pants, shoes. The camera is very close, capturing his face sharply - textures of skin, smoke from his lips, and subtle reflections of firelight in his eyes. Behind him, slightly out of focus, a commercial airplane is burning intensely, with huge flames, roaring firestorms, and thick black smoke rising high. The fiery glow casts dramatic orange highlights on his shirt and face, creating deep shadows and a gritty, cinematic mood. Wet runway reflects the blaze, enhancing the dramatic atmosphere.",
    "dimensions": {
      "width": 1200,
      "height": 1200
    },
    "style_descriptors": [
      "Cinematic",
      "Photorealistic",
      "Gritty",
      "Dramatic Lighting",
      "Macro Photography",
      "8k resolution"
    ],
    "subject_details": {
      "action": "Walking toward camera, smoking",
      "clothing": "White long-sleeve shirt (rolled sleeves), dress pants, shoes",
      "facial_features": "Sharp focus, skin texture, firelight reflection in eyes"
    },
    "environment_details": {
      "location": "Airport runway at night",
      "background": "Commercial airplane burning, intense fire, thick black smoke, out of focus",
      "ground": "Wet runway, reflecting fire"
    }
  }
} {
"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 beautiful real human woman portrayed as Cleopatra, seated majestically on her royal Egyptian throne, maintaining 100% likeness to the reference.",
"pose": "Confident, elegant, and seductive seated posture with her back straight and shoulders relaxed. One hand rests authoritatively on the throne’s armrest while firmly holding a ceremonial cobra staff, and the other hand rests sensually on her thigh. Her legs are positioned to subtly reveal the high slit of her gown, radiating queenly dominance, power, and allure.",
"hair": "Long, thick, voluminous hair flowing past her shoulders, colored deep dark brown with a rich natural sheen. The hair is worn loose and sleek with soft natural movement, cascading elegantly down her back and framing her face in a regal manner.",
"makeup": "Bold royal Egyptian glam with highly colorful eye makeup. Her eyes feature layered pigments of turquoise, sapphire blue, emerald green, and molten gold, enhanced with dramatic black ink-style Egyptian eyeliner extending boldly beyond the outer corners in graphic, calligraphic strokes. Metallic accents and micro-shimmer highlight the inner corners. Skin remains warm, glowing, and luminous with sculpted bronze contours, peachy blush, and radiant highlights. Brows are full, strong, and queenly. Lips are soft nude-peach with a glossy, luminous finish to balance the intense eye look.",
"attire": "An ultra-luxurious, sexy Cleopatra couture gown in pure luminous white. The gown is body-hugging through the bodice and hips, featuring a plunging deep neckline adorned with gold filigree, crystal embellishments, and sacred Egyptian symbols. A dramatic thigh-high slit reveals her leg elegantly. Additional elements include gold-thread embroidery, sculpted drapery, and gemstone accents along the waist and slit. A long, ultra-sheer, lightweight cape made of fine translucent silk chiffon flows from her shoulders, delicately dusted with gold shimmer and subtle hieroglyphic motifs, adding movement and divine softness to her powerful presence.",
"crown": "An extraordinarily grand and opulent Cleopatra headpiece—the ultimate royal Egyptian crown. Crafted from radiant gold, it features a dominant central cobra (uraeus) with emerald and lapis lazuli gemstone eyes, flanked by winged sun disks, lotus engravings, and layered ceremonial plates. The crown rises elegantly with intricate detailing, inlaid gemstones, and divine symmetry, making it unmistakably royal, powerful, and legendary.",
"accessories": "Lavish layers of royal accessories including an oversized beaded broad collar necklace in gold, turquoise, lapis lazuli, and carnelian; stacked gold arm cuffs engraved with hieroglyphs; gemstone-studded bangles; multiple ornate rings; a delicate gold waist chain draped over her hips; and detailed anklets with symbolic charms that enhance her divine queen status.",
"footwear": "Traditional Egyptian royal flat sandals crafted from gold-plated leather with delicate beaded straps, turquoise and lapis inlays, open-toe design, and sacred cobra and lotus motifs."
},

"throne": {
"design": "A massive, ultra-bonggang ancient Egyptian royal throne made of carved gold, obsidian, and polished stone.",
"details": "The throne is richly decorated with winged sun disks, twin cobras, lion-head armrests, lotus and papyrus carvings, and engraved hieroglyphs symbolizing power, eternity, and divine rule. The backrest rises high above her head like a ceremonial monument, inlaid with turquoise, lapis lazuli, and gold leaf patterns. Cushioned with deep ivory and gold-embroidered textiles, the throne radiates absolute authority and unmatched royal luxury."
},

"props": {
"primary": "A ceremonial golden staff topped with a sculpted cobra head, its eyes set with glowing emerald gemstones, symbolizing wisdom, protection, and supreme power.",
"secondary": "Golden jars, papyrus scrolls, gemstone offerings, decorative incense holders emitting thin smoke trails, sacred ceremonial artifacts, and royal insignias placed symmetrically around the throne platform."
},

"background": {
"setting": "A grand Egyptian throne room at night, glowing with warm torchlight and golden illumination.",
"details": "Towering sandstone walls fully carved with hieroglyphics and royal chronicles, monumental lotus and papyrus columns trimmed in gold, statues of Egyptian gods and goddesses standing guard, large braziers casting flickering firelight, patterned gold-and-turquoise stone flooring, and sheer linen curtains gently flowing in the warm desert breeze. Macro-to-micro details are visible throughout, with no blur effect—everything is crisp, sharp, and hyper-detailed."
},

"camera": {
"shot": "Half-body to three-quarter editorial portrait showcasing her throne, flowing white gown with cape, colorful inked eye makeup, crown, and cobra staff.",
"angle": "Eye-level royal perspective emphasizing her dominance, beauty, and divine authority.",
"lens": "85mm portrait lens with ultra-sharp clarity and deep texture definition.",
"lighting": "Cinematic warm golden torchlight combined with subtle shadow sculpting, enhancing gold textures, gemstones, fabric folds, and facial features; no blur effects.",
"quality": "Ultra-sharp, high-contrast, glossy editorial realism with 8K-level detail."
}
}