臺灣金融科技協會 Taiwan FinTech Association

臺灣金融科技協會 Taiwan FinTech Association 臺灣金融科技協會為依法設立、非以營利為目的之社會團體，由金融科技產業、金融機構、政界、學界、研究單位之相關專業人士與團體所組成，以促進金融科技相關產業之蓬勃發展為宗旨。

線上申請入會https://reurl.cc/klbLOq 請填寫基本聯繫方式，將由專人與您聯絡，謝謝。或撥打02-2732-2365，mail: [email protected]

精彩回顧！摩根大通證券服務部亞太保管產品主管 Christina Fienga 日前在 FinTechOn 2026 暨亞洲金融科技聯盟（AFA）高峰會發表主題演講，她點出 🔥 代幣化真正價值，在於串起現金、證券與流動性摩根大通證券服務部...
08/09/2026

精彩回顧！摩根大通證券服務部亞太保管產品主管 Christina Fienga 日前在 FinTechOn 2026 暨亞洲金融科技聯盟（AFA）高峰會發表主題演講，她點出 🔥 代幣化真正價值，在於串起現金、證券與流動性

摩根大通證券服務部亞太保管產品主管 Christina Fienga 從金融機構角度指出，數位資產正從獨立於傳統金融之外的新資產類別，逐步轉變為支援金融資產發行、持有、移轉與交割的新一代基礎設施。要讓證券代幣化發揮效益，必須先建立同樣高效率的數位現金與交割機制。

目前，代幣化銀行存款、穩定幣與央行數位貨幣各有不同功能，未來更可能形成多種軌道與傳統貨幣並存的金融體系。金融機構不必預測哪一種貨幣將勝出，而應確保不同軌道具備一致的治理、風險控制、監督與資訊報告標準。

Fienga 強調：「真正的機會不在代幣本身，而在圍繞它建立的連結。」如果數位現金、代幣化證券與擔保品能在共同且可互通的基礎設施上運作，便有機會改善款券同步交割，提升流動性、融資、擔保品調度與資本運用效率。代幣化因此不只是技術議題，也將成為金融機構的資產負債表管理議題。

#亞洲金融科技聯盟 #臺灣金融科技協會 #資產代幣化

Event recap: Christina Fienga, Asia-Pacific Head of Custody Products at J.P. Morgan Securities Services, recently delivered a keynote at the FinTechOn 2026 & AFA Summit. She highlighted a key point:

🔥 The real value of tokenization lies in connecting cash, securities, and liquidity.

From a financial-institution perspective, Fienga explained that digital assets are evolving from a new asset class outside traditional finance into next-generation infrastructure supporting the issuance, holding, transfer, and settlement of financial assets. For securities tokenization to deliver value, equally efficient digital cash and settlement mechanisms must first be in place.

Tokenized bank deposits, stablecoins, and central bank digital currencies each serve different functions. The future is therefore more likely to feature multiple rails operating alongside traditional money. Financial institutions do not need to predict which form of money will prevail; they should ensure that the different rails operate under consistent standards for governance, risk controls, oversight, and reporting.

Fienga emphasized: “The real opportunity is not in the token itself, but in the connections built around it.” If digital cash, tokenized securities, and collateral can operate on shared and interoperable infrastructure, they could improve delivery-versus-payment settlement, liquidity, financing, collateral mobilization, and capital efficiency. Tokenization is therefore not only a technology issue; it will also become a balance-sheet management issue for financial institutions.

精彩回顧！FinTechOn 2026 暨亞洲金融科技聯盟（AFA）高峰會於 3 日邁入第二天議程，經濟部政務次長江文若致詞時表示，AI、區塊鏈與金融科技已超越金融業，正改變企業營運、跨境合作與市場競爭。臺灣具備半導體、資通訊、精密機械與自...
04/09/2026

精彩回顧！FinTechOn 2026 暨亞洲金融科技聯盟（AFA）高峰會於 3 日邁入第二天議程，經濟部政務次長江文若致詞時表示，AI、區塊鏈與金融科技已超越金融業，正改變企業營運、跨境合作與市場競爭。臺灣具備半導體、資通訊、精密機械與自行車等關鍵產業鏈，未來競爭力不能只依靠製造，更須透過數位科技串聯產業、降低跨境障礙並開拓市場。

她提到，政府推動「AI 新十大建設」，重點之一是協助中小企業導入 AI，不只提升生產力，也創造新商業價值與模式，深化與全球供應鏈的連結，並培育產業轉型所需人才，而數位經濟除了技術創新，也需要安全、透明、可靠且與國際標準接軌的制度環境。

她以臺灣與日本為例，兩國同樣深度參與全球供應鏈，並持續就跨境資料流通及電子文件等議題合作；透過提高制度相容性、降低跨境障礙，才能讓企業更便利地進行國際商務，並創造新的合作機會。

談及穩定幣與其他數位資產，江文若相信，區塊鏈技術帶來的應用與創新，可望為跨境支付、數位交易與金融服務帶來新可能，但仍須兼顧金融穩定、消費者保護、洗錢防制、網路安全及個資保護。臺灣的方向是在鼓勵創新的同時強化治理、確保安全，使金融科技成為連結金融、實體產業與國際貿易的橋梁。

#臺灣金融科技協會 #江文若 #數位轉型 #金融科技

Event recap: The FinTechOn 2026 & AFA Summit entered its second day on September 3. In her remarks, Deputy Minister of Economic Affairs 江文若 said AI, blockchain, and FinTech have moved beyond the financial sector and are reshaping business operations, cross-border collaboration, and market competition. Taiwan has strong supply chains in key industries, including semiconductors, information and communications technology, precision machinery, and bicycles. Its future competitiveness cannot rely on manufacturing alone; digital technology will also be needed to connect industries, lower cross-border barriers, and open new markets.

She noted that one focus of the government’s “Ten Major AI Infrastructure Projects” is helping SMEs adopt AI—not only to improve productivity, but also to create new business value and business models, deepen connections with global supply chains, and develop the talent needed for industry transformation. In addition to technological innovation, the digital economy also requires an institutional environment that is secure, transparent, reliable, and aligned with international standards.

Citing Taiwan and Japan, she said both economies are deeply involved in global supply chains and continue to collaborate on cross-border data flows, electronic documents, and related issues. Improving institutional compatibility and reducing cross-border barriers can make international commerce more convenient and create new opportunities for cooperation.

On stablecoins and other digital assets, 江文若 said applications and innovations enabled by blockchain could create new possibilities for cross-border payments, digital transactions, and financial services. Their development must nevertheless take financial stability, consumer protection, anti-money-laundering requirements, cybersecurity, and personal-data protection into account. Taiwan’s approach is to strengthen governance and ensure security while encouraging innovation, enabling FinTech to serve as a bridge connecting finance, industry, and international trade.

#江文若

由國家發展委員會指導、臺灣金融科技協會主辦、亞洲金融科技聯盟（AFA）合作舉辦的 FinTechOn 2026 暨 AFA 高峰會，9 月 3 日圓滿落幕。國發會副主委彭立沛為高峰會致詞時指出，面對地緣政治局勢變動與科技供應鏈加速重組，企業...
04/09/2026

由國家發展委員會指導、臺灣金融科技協會主辦、亞洲金融科技聯盟（AFA）合作舉辦的 FinTechOn 2026 暨 AFA 高峰會，9 月 3 日圓滿落幕。國發會副主委彭立沛為高峰會致詞時指出，面對地緣政治局勢變動與科技供應鏈加速重組，企業面臨匯率、流動性、資安及跨境治理等挑戰，金融服務必須升級，才能支撐全球營運。

AI 可協助企業與金融機構進行風險辨識及資金配置，區塊鏈則能建立可信任的交易與資料基礎；金融科技可進一步將這些能力導入跨境支付、貿易融資、清算、智慧風險管理及供應鏈管理，轉化為企業可實際使用的金融服務。

彭立沛認為，臺灣應結合半導體、資通訊、精密製造及全球供應鏈優勢，從科技製造基地進一步發展為亞洲金融科技解決方案的輸出節點。

在跨境合作方面，他提出三個方向：
1. 透過國發基金與金融機構、企業及國內外創投共同投資，支持臺灣與海外的金融科技及 AI 新創；
2. 藉由跨部會協調、法規調適、產業合作及海外新創基地，協助技術導入產業並拓展國際市場；
3. 希望結合 AFA 的亞洲網絡，建立涵蓋孵化、驗證、投資到國際布局的生態系，加速創新與資本在亞洲流動

他也提到，「AI 新十大建設」聚焦智慧應用、關鍵技術與數位基磐三大方向，並將高峰會定位為串聯跨境金融科技供應鏈的起點，邀請國際夥伴與國發基金、金融機構及臺灣產業展開合作，同時肯定 AFA 在其中扮演的重要角色。

#臺灣金融科技協會 #彭立沛 #金融科技 #跨境合作

The FinTechOn 2026 & AFA Summit, organized by the Taiwan FinTech Association in collaboration with the Asia FinTech Alliance (AFA) under the guidance of the National Development Council (NDC), concluded successfully on September 3. In his remarks, NDC Deputy Minister 彭立沛 said companies are confronting challenges involving exchange rates, liquidity, cybersecurity, and cross-border governance amid geopolitical change and the accelerating restructuring of technology supply chains. Financial services must therefore be upgraded to support global operations.

AI can help companies and financial institutions identify risk and allocate capital, while blockchain can provide a trusted foundation for transactions and data. FinTech can bring these capabilities into cross-border payments, trade finance, clearing, intelligent risk management, and supply-chain management, turning them into financial services that companies can use in practice.

彭立沛 said Taiwan should combine its strengths in semiconductors, information and communications technology, precision manufacturing, and global supply chains to evolve from a technology manufacturing base into an Asian hub for exporting FinTech solutions.

He proposed three directions for cross-border cooperation:

1. Use the National Development Fund to co-invest with financial institutions, corporations, and domestic and international venture-capital firms in FinTech and AI startups in Taiwan and overseas.
2. Use inter-ministerial coordination, regulatory adaptation, industry collaboration, and overseas startup hubs to support technology adoption across industries and help startups expand into international markets.
3. Seek to leverage AFA’s Asia-wide network to build an ecosystem spanning incubation, validation, investment, and international expansion, accelerating the movement of innovation and capital across Asia.

He also noted that Taiwan’s “Ten Major AI Infrastructure Projects” focus on smart applications, key technologies, and digital foundations. He positioned the summit as a starting point for building connections across the cross-border FinTech supply chain, invited international partners to collaborate with the National Development Fund, financial institutions, and industry in Taiwan, and recognized AFA’s important role in this effort.

#彭立沛

AFA 高峰會 9/3 圓滿閉幕，蔡玉玲疾呼：掌握客戶需求，臺灣有望「彎道超車」亞洲金融聯盟（AFA）高峰會昨（3日）圓滿落幕！AFA 主席暨臺灣金融科技協會（TFTA）名譽理事長蔡玉玲於閉幕致詞時強調，全球貿易與供應鏈已成金融科技（Fin...
04/09/2026

AFA 高峰會 9/3 圓滿閉幕，蔡玉玲疾呼：掌握客戶需求，臺灣有望「彎道超車」

亞洲金融聯盟（AFA）高峰會昨（3日）圓滿落幕！AFA 主席暨臺灣金融科技協會（TFTA）名譽理事長蔡玉玲於閉幕致詞時強調，全球貿易與供應鏈已成金融科技（FinTech）最核心的落地場域。由亞洲 16 個經濟體組成的 AFA 成員代表與主管機關皆積極布局，臺灣雖非起步最早，但憑藉強大的供應鏈基礎與明確的市場需求，極具「彎道超車」的競爭實力。

為期兩天的 AFA 高峰會匯聚國內外決策層級重量級講者、金融機構代表及跨國監管機構。蔡玉玲指出，本次邀請眾多國外講者，議程非常緊湊，各國產業關鍵講者親自分享最新趨勢，提供單純依賴 AI 難以取得的「第一手資訊」，這些最新資訊可協助決策者掌握全球脈動。

🔍 供應鏈需求湧現，FinTech 落地可邁入 POC 階段

蔡玉玲表示，今年論壇出現結構性轉變：贊助單位中高達半數為供應鏈業者。相較於去年的觀望態度，今年產業界的積極參與，象徵「客戶端的強烈需求已經明確成形」。

特力集團創辦人李麗秋董事長、緯穎洪麗甯董事長與陳昌偉財務長、中譽科技張琇梅董事長及勤誠陳亞男執行長都親自出席，並表達跨境貿易及供應鏈的痛點，以及對金融科技的期待。這是一股由上而下的推動力，這些公司指出的痛點及期待，已可進一步推動概念驗證（POC）。

「客戶已經提出需求，業界與主管機關必須正視。」蔡玉玲指出，論壇邀集馬來西亞央行及各國監理機關分享經驗，有助於梳理各國監理態度，促進產官對話。

🌏 整合 AFA 生態系，臺灣力拚以供應鏈優勢破局

談及國際競爭，蔡玉玲直言，全球金融科技發展迅猛，跨國資金與資源調度極具彈性，若臺灣不加速推進，其他國家也將搶占先機。臺灣的核心優勢在於供應鏈產業底蘊，只要客戶端與金融科技業者緊密協作，不僅能帶動供應鏈升級，更能迎頭趕上。

蔡玉玲呼籲，AFA 致力於打造亞洲專屬的金融科技生態系（Ecosystem），論壇結束即是「共同採取行動（Action Together）」的起點。未來將以任務小組（Task Force）形式落實各項合作方案，促成具體專案落地，期許明年論壇能向市場展現豐碩的推動成果。

Sponsors:
臺灣證券交易所Taiwan Stock Exchange Corporation
悠遊卡投資控股股份有限公司EasyCard Investment Holdings Co., Ltd.
國泰金控Cathay Financial Holdings
中華開發資本股份有限公司 CDIB Capital Group

特力股份有限公司 Test Rite Group
帆宣系統科技股份有限公司 Marketech lnternational Corp.
中譽工業股份有限公司C.Q.S. TECHNOLOGIES INC.
勤誠興業股份有限公司 Chenbro Micom Co., Ltd.
理慈國際科技法律事務所Lee, Tsai & Partners Attorneys-at-Law

#亞洲金融科技聯盟 #臺灣金融科技協會 #供應鏈金融 #跨境合作 #蔡玉玲

AFA Summit Concludes on September 3; AFA Chairperson and TFTA Honorary Chairperson Jaclyn Tsai Calls on Taiwan to Respond to Customer Demand and Gain Ground Through Its Supply-Chain Strengths

The Asia FinTech Alliance (AFA) Summit concluded successfully yesterday, September 3. In her closing remarks, AFA Chairperson and Taiwan FinTech Association (TFTA) Honorary Chairperson Jaclyn Tsai stressed that global trade and supply chains have become the most important real-world setting for FinTech deployment. AFA representatives and regulators from its 16 Asian member economies are actively developing their strategies. Although Taiwan was not the earliest mover, its strong supply-chain foundation and clear market demand give it significant potential to catch up and move ahead.

The two-day AFA Summit brought together senior decision-makers, financial-institution representatives, and regulatory bodies from Taiwan and abroad. Jaclyn Tsai said the packed program featured many international speakers and key industry figures sharing the latest trends firsthand. Such “firsthand information,” which is difficult to obtain by relying on AI alone, can help decision-makers stay abreast of global developments.

🔍 As supply-chain demand emerges, FinTech deployment can advance to the proof-of-concept stage

Jaclyn Tsai said this year’s forum reflected a structural shift: as many as half of its sponsors came from supply-chain industries. Compared with the more cautious attitude seen last year, this year’s active industry participation signals that “strong customer demand has clearly taken shape.”

Test Rite Group founder and Chairperson 李麗秋, Wiwynn Chairperson 洪麗寗 and CFO 陳昌偉, Jorjin Technologies Chairperson 張琇梅, and Chenbro CEO 陳亞男 all attended in person. They described pain points in cross-border trade and supply chains, as well as their expectations for FinTech. This top-down momentum can provide a basis for advancing proof-of-concept (POC) projects around the needs and expectations identified by these companies.

“Customers have already stated their needs, and the industry and regulators must take them seriously,” Jaclyn Tsai said. By inviting Bank Negara Malaysia and regulatory authorities from other markets to share their experience, the forum helped clarify different regulatory approaches and advance public-private dialogue.

🌏 Integrating the AFA ecosystem and using Taiwan’s supply-chain strengths to create a path forward

Discussing international competition, Jaclyn Tsai said global FinTech is developing rapidly and cross-border capital and resources can be deployed with great flexibility. If Taiwan does not accelerate its efforts, other countries will seize the opportunity. Taiwan’s core advantage lies in its supply-chain industries. Close collaboration between customers and FinTech providers can both advance supply-chain transformation and help Taiwan catch up.

Jaclyn Tsai emphasized that AFA is committed to building a FinTech ecosystem designed for Asia. The end of the forum marks the beginning of “Action Together.” AFA will use task forces to implement collaboration initiatives and bring concrete projects to fruition, with the goal of presenting substantial progress to the market at next year’s forum.

中華開發資本總經理南怡君今日於 FinTechOn 2026 暨 AFA 高峰會致詞，從「亞洲工廠（Factory Asia）」切入。亞洲已建立高度整合的跨境生產網絡，資本與金融服務的流動效率卻仍未完全跟上。她指出，每筆實體交易背後都有一條...
03/09/2026

中華開發資本總經理南怡君今日於 FinTechOn 2026 暨 AFA 高峰會致詞，從「亞洲工廠（Factory Asia）」切入。亞洲已建立高度整合的跨境生產網絡，資本與金融服務的流動效率卻仍未完全跟上。

她指出，每筆實體交易背後都有一條金融供應鏈。金融科技應整合融資、外匯、支付、清算、身分驗證、法遵與防詐，降低不同貨幣、司法管轄區、資料標準及程序所增加的時間、成本與風險。

相關摩擦可能成為中小企業進入國際市場的障礙。南怡君認為，亞洲下一階段應發展「金融科技亞洲（FinTech Asia）」，透過金融科技、區塊鏈與 AI 建立順暢、可信任的跨境金融基礎設施，讓中小企業也能取得大型企業長期使用的現金流管理、資金調度、風險管理及融資工具。

金融科技也應協助家庭儲蓄、管理風險與規劃未來，讓移工能以更快速、安全且合理的成本匯款回家，並透過防詐機制降低民眾損失。她也肯定 AFA 串聯亞洲 16 個經濟體，為區域金融整合建立起點。

南怡君將亞洲的發展路徑概括為：從「Factory Asia」走向「FinTech Asia」，最終抵達「Felicitas Asia」，意即「Happiness Asia」。金融科技的成果，不只在技術進步或交易成長，更在讓資本流動更有效率、金融服務更容易取得，使經濟成果能被更廣泛共享。

CDIB Capital Group President Melanie Nan began her remarks at the FinTechOn 2026 & AFA Summit with the idea of “Factory Asia.” Asia has built a highly integrated cross-border production network, but the flow of capital and financial services has not yet fully kept pace.

She noted that every physical transaction is supported by a financial supply chain. FinTech should integrate financing, foreign exchange, payments, clearing, identity verification, regulatory compliance, and fraud prevention to reduce the time, cost, and risk created by different currencies, jurisdictions, data standards, and procedures.

These frictions can become barriers preventing small and medium-sized enterprises from entering international markets. Melanie Nan said Asia’s next stage should be the development of “FinTech Asia”: using FinTech, blockchain, and AI to build seamless and trustworthy cross-border financial infrastructure, so that SMEs can also gain access to the cash-flow management, treasury-management, risk-management, and financing tools long used by large corporations.

FinTech should also help families save, manage risk, and plan for the future. It should enable migrant workers to send money home more quickly, securely, and at a reasonable cost, while reducing losses through fraud-prevention mechanisms. She also recognized AFA’s role in connecting 16 Asian economies and establishing a starting point for regional financial integration.

Melanie Nan summarized Asia’s development path as a journey from “Factory Asia” to “FinTech Asia,” and ultimately to “Felicitas Asia”—meaning “Happiness Asia.” The value of FinTech lies not only in technological progress or transaction growth, but also in more efficient capital flows, broader access to financial services, and the wider sharing of economic gains.



#臺灣金融科技協會 #南怡君 #金融可及性 #跨境合作

亞洲金融科技聯盟副主席暨 PolicyStreet 共同創辦人、營運長馬偉權（Wilson Beh）於 FinTechOn 2026 & AFA 高峰會分享，他很榮幸是這場高峰會中，唯一一個保險科技（InsurTech）的代表。他分享，保險...
03/09/2026

亞洲金融科技聯盟副主席暨 PolicyStreet 共同創辦人、營運長馬偉權（Wilson Beh）於 FinTechOn 2026 & AFA 高峰會分享，他很榮幸是這場高峰會中，唯一一個保險科技（InsurTech）的代表。他分享，保險雖不如支付、銀行或數位資產受到關注，卻是企業進出口、拓展新市場及管理跨境風險不可或缺的一環。東南亞仍有許多消費者與中小企業未投保或保障不足，這不只是市場機會，也反映金融科技可以創造的社會價值。

提及 AI 的影響，馬偉權認為，從保單設計、核保與定價，到產品發行及 API 串接，AI 能縮短開發時間、改善風險分析，並協助業者依據不同市場的客戶行為與需求調整產品，可以強化 InsurTech 產業的競爭力。

但他強調，跨境擴張不能只靠 AI。企業仍須連結當地保險業者、理解監理規範、建立客戶信任並提供售後服務。從他創立的 PolicyStreet 發展經驗也顯示，市場開始將新創視為受監理、可信賴的基礎設施後，成長才更有機會展開。

他認為，AI 不應只被視為提高生產力的工具；結合可信賴的基礎設施、監理準備與在地化能力，才能協助東南亞中型金融科技企業管理風險，並加快區域擴張。

Speaking at the FinTechOn 2026 & AFA Summit, Wilson Beh, Vice Chair of the Asia FinTech Alliance and Co-Founder and Chief Operating Officer of PolicyStreet, said he was honored to be the event’s only InsurTech representative. Although insurance receives less attention than payments, banking, or digital assets, he said, it remains indispensable to companies seeking to import and export, expand into new markets, and manage cross-border risks. Many consumers and small and medium-sized enterprises in Southeast Asia remain uninsured or underinsured. This represents not only a market opportunity, but also the social value that FinTech can create.

Discussing the impact of AI, Beh said it can shorten development cycles and improve risk analysis across policy design, underwriting, pricing, product distribution, and API integration. It can also help providers adapt products to customer behavior and needs in different markets, strengthening the competitiveness of the InsurTech sector.

He stressed, however, that AI alone cannot drive cross-border expansion. Companies must still connect with local insurers, understand regulatory requirements, build customer trust, and provide after-sales service. PolicyStreet’s experience also shows that growth is more likely to take off once the market begins to regard a startup as regulated and trusted infrastructure.

Beh said that AI should not be seen merely as a productivity tool. Only when it is combined with trusted infrastructure, regulatory readiness, and localization capabilities can it help mid-sized Southeast Asian FinTech companies manage risk and accelerate regional expansion.



#臺灣金融科技協會

全球區塊鏈商業委員會執行長 Sandra Ro 在 FinTechOn 2026 & AFA 高峰會主題演講中，聚焦實體資產代幣化、數位貨幣與支付，以及代理型人工智慧（Agentic AI）三股力量。她認為，這些技術的價值不只在提升速度，更...
03/09/2026

全球區塊鏈商業委員會執行長 Sandra Ro 在 FinTechOn 2026 & AFA 高峰會主題演講中，聚焦實體資產代幣化、數位貨幣與支付，以及代理型人工智慧（Agentic AI）三股力量。她認為，這些技術的價值不只在提升速度，更在重新設計資產、貨幣與資訊的運作方式。

她說明，數位化主要改變介面，代幣化則讓資產與貨幣具備程式化條件。傳統跨境交易採循序處理，雖保留查核、控制與風險管理空間，也形成瓶頸；若要讓資金跟上資料速度，不必將所有資訊上鏈，而應讓交易確認、文件驗證、合規審查、貨物交付與支付結算，在適當條件下平行處理，使新架構有機會釋放被占用的營運資金與抵押品。

美國《GENIUS Act》通過後，穩定幣監理進入細則制定階段。Sandra Ro 提到，目前已有 21 家銀行宣布合作，預計於 2027 年第一季推出美元穩定幣；銀行也同步參與代幣化存款計畫。銀行一方面籌組美元穩定幣聯盟，另一方面也參與代幣化存款計畫；大型銀行、地方型銀行、金融科技公司與加密資產業者，都在尋找各自的位置。部分非金融科技企業甚至開始考慮申請銀行執照，希望直接進入支付與數位金融市場。這也代表市場仍在多方探索，市場還沒有決定最終會由哪一種模式勝出。

她也以巴西為例說明，有監理框架不代表政府會全面開放穩定幣。各國仍會衡量資本流動、外匯管理與金融穩定，數位貨幣無法以同一套模式適用所有市場。

此外，AI 代理進行交易與小額支付已出現在加密資產市場，但發生錯誤、損失或違規時，責任歸屬仍缺乏清楚答案。相關應用若要從實驗走向大規模採用，仍須建立監理、資安、風險管理、問責機制與共同標準。

In her keynote at the FinTechOn 2026 & AFA Summit, Global Blockchain Business Council CEO Sandra Ro focused on three forces: real-world asset tokenization, digital currencies and payments, and agentic AI. She said that the value of these technologies lies not only in increasing speed, but also in redesigning how assets, money, and information operate.

She explained that digitization primarily changes the interface, while tokenization makes it possible to attach programmable conditions to assets and money. Traditional cross-border transactions are processed sequentially. Although this preserves room for verification, controls, and risk management, it also creates bottlenecks. If money is to move at the speed of data, not all information needs to be placed on-chain. Instead, transaction confirmation, document verification, compliance reviews, delivery of goods, and payment settlement should be processed in parallel when appropriate. Such an architecture could release working capital and collateral currently tied up in the transaction process.

Following the passage of the U.S. GENIUS Act, stablecoin regulation has moved into the rulemaking stage. Sandra Ro noted that 21 banks have announced plans to collaborate on a U.S. dollar stablecoin expected to launch in the first quarter of 2027, while banks are also participating in tokenized-deposit initiatives. Large banks, local banks, FinTech companies, and crypto-asset firms are all working to define their roles. Some non-FinTech companies are even considering applying for banking licenses to enter the payments and digital finance markets directly. The market remains in a period of broad experimentation and has not yet determined which model will ultimately prevail.

Citing Brazil, she also explained that having a regulatory framework does not mean a government will fully open its market to stablecoins. Countries will continue weighing capital flows, foreign-exchange management, and financial stability, so no single digital-currency model can be applied to every market.

AI agents are already executing transactions and micropayments in crypto-asset markets. Yet when errors, losses, or regulatory breaches occur, responsibility remains unclear. For these applications to move from experimentation to large-scale adoption, regulation, cybersecurity safeguards, risk management, accountability mechanisms, and common standards will still be required.



#臺灣金融科技協會 #穩定幣 #跨境支付

SBI Holdings 技術總監林革非於 FinTechOn 2026 & AFA 高峰會，以「穩定幣發行的聯盟模式：打造可互通的銀行主導網路」為題，從 SBI 的轉型經驗切入，剖析持牌金融機構如何走向鏈上金融。他以 SBI 證券的「零革...
03/09/2026

SBI Holdings 技術總監林革非於 FinTechOn 2026 & AFA 高峰會，以「穩定幣發行的聯盟模式：打造可互通的銀行主導網路」為題，從 SBI 的轉型經驗切入，剖析持牌金融機構如何走向鏈上金融。

他以 SBI 證券的「零革命」說明，真正的轉型不是先推出新技術，而是先重建商業模式。SBI 於 2019 年提出股票交易零手續費構想，花四年拓展其他收入來源，直到 2023 年才正式落地；即使放棄手續費，當年營收與營業利益仍創新高。

同樣的邏輯也被運用在鏈上金融。日本先建立穩定幣的法律分類與責任架構，SBI 以「貨幣先上鏈、資產再上鏈、應用與服務全面上鏈」三階段依序推進。他強調，只有當貨幣與資產都進入鏈上環境，金融機構才能進一步運用智慧合約、互操作性與資本效率。

林革非認為，下一個競爭焦點將是鏈上風險管理與資產管理。監管者與業者應在規則尚未定案時提早合作，把複雜策略轉化為可理解、可評估且能透過合規管道提供的產品；當人們不再刻意強調服務使用區塊鏈，鏈上金融才真正進入主流。

At the FinTechOn 2026 & AFA Summit, SBI Holdings Chief Technology Officer 林革非 spoke on “The Consortium Model for Stablecoin Issuance: Building an Interoperable, Bank-Led Network.” Drawing on SBI’s transformation, he examined how licensed financial institutions can move toward on-chain finance.

Using SBI Securities’ “Zero Revolution” as an example, he explained that genuine transformation does not begin with launching new technology; it begins with rebuilding the business model. SBI proposed zero commissions for online stock trading in 2019, then spent four years expanding other sources of revenue before formally implementing the policy in 2023. Despite giving up commission income, SBI recorded new highs in both revenue and operating profit that year.

SBI is applying the same logic to on-chain finance. Japan first established legal classifications and a clear allocation of responsibilities for stablecoins. SBI then adopted a three-stage sequence: bring money on-chain first, assets on-chain next, and finally move applications and services fully on-chain. He stressed that only when both money and assets are on-chain can financial institutions use smart contracts and interoperability to improve capital efficiency.

林革非 said the next major area of competition will be on-chain risk management and asset management. Regulators and industry participants should collaborate before rules are finalized, turning complex strategies into products that are understandable, assessable, and available through compliant channels. On-chain finance will have truly entered the mainstream, he said, when people no longer feel the need to emphasize that a service uses blockchain.

#林革非

#臺灣金融科技協會 #林革非 #穩定幣 #鏈上金融

對歐盟的虛擬資產監管框架貢獻卓著，被譽為『MiCA 之父』的 Peter Kerstens，以歐盟監理視角剖析穩定幣、AI 與供應鏈的匯流。穩定幣、AI 與全球供應鏈正快速合流，推動全球商務進入由軟體自主決策與執行交易的新階段。他觀察，未來...
03/09/2026

對歐盟的虛擬資產監管框架貢獻卓著，被譽為『MiCA 之父』的 Peter Kerstens，以歐盟監理視角剖析穩定幣、AI 與供應鏈的匯流。穩定幣、AI 與全球供應鏈正快速合流，推動全球商務進入由軟體自主決策與執行交易的新階段。

他觀察，未來 AI 代理人可能代表企業尋找供應商、評估風險、安排融資並自動付款；但企業可以交付部分決策，不能把責任一起交出去，最終責任仍須回到人與機構。

AI 要參與全天候的跨境商務，也需要能自動運作的支付工具。Kerstens 說明，MiCA 透過授權、治理、準備資產與贖回保障建立信任，讓穩定幣成為快速、低成本且可靠的跨境結算工具。

他指出，全球約 99% 的穩定幣以美元計價。當平台、API 與 AI 代理人預設特定貨幣，技術選擇也可能形塑全球貨幣秩序。下一場支付競爭不只比較速度與成本，更關乎數位經濟將使用什麼貨幣結算。

Kerstens 強調，跨境互通還需各市場對身分認證、清算最終性、責任與洗錢防制建立共同理解；各國追求戰略自主時，也應避免走向戰略孤立。

European Commission adviser Peter Kerstens, widely known as the “father of MiCA” for his major contribution to the European Union’s crypto-asset regulatory framework, examined the convergence of stablecoins, AI, and supply chains from an EU regulatory perspective. These three forces are rapidly coming together and moving global commerce into a new stage in which software can make decisions and execute transactions autonomously.

He observed that AI agents may eventually act on behalf of companies to identify suppliers, assess risk, arrange financing, and make payments automatically. Businesses may delegate some decisions, but they cannot delegate responsibility; ultimate accountability must remain with people and institutions.

For AI to participate in round-the-clock cross-border commerce, it also needs payment instruments capable of operating automatically. Kerstens explained that MiCA builds trust through authorization, governance, reserve-asset requirements, and redemption safeguards, enabling stablecoins to serve as fast, low-cost, and reliable cross-border settlement instruments.

He noted that approximately 99% of stablecoins worldwide are denominated in U.S. dollars. When platforms, APIs, and AI agents default to a particular currency, technical choices may also shape the global monetary order. The next phase of payment competition will be about more than speed and cost; it will also help shape which currencies are used to settle transactions in the digital economy.

Kerstens stressed that cross-border interoperability also requires markets to develop a shared understanding of identity verification, settlement finality, accountability, and anti-money-laundering requirements. As countries pursue strategic autonomy, they should also avoid drifting into strategic isolation.



#臺灣金融科技協會 #穩定幣 #跨境支付

臺灣金融科技協會理事長王儷玲於 FinTechOn 2026 & AFA 高峰會，從虛擬資產監理、RWA 試驗與企業跨境需求切入，勾勒臺灣下一階段的核心任務：不只是多發一枚代幣 (coin)，而是打造可信賴的跨境數位金融基礎設施，也就是穩定...
03/09/2026

臺灣金融科技協會理事長王儷玲於 FinTechOn 2026 & AFA 高峰會，從虛擬資產監理、RWA 試驗與企業跨境需求切入，勾勒臺灣下一階段的核心任務：不只是多發一枚代幣 (coin)，而是打造可信賴的跨境數位金融基礎設施，也就是穩定 (stable)。

隨著虛擬資產監理走向牌照化，穩定幣發行將納入許可、足額準備、資產隔離、贖回與資訊揭露等規範。她認為，制度仍須保有彈性，才能因應技術與市場快速變化。

臺灣的 RWA 試驗已串聯中央銀行、臺灣集中保管結算所及九家金融機構，測試國內外債券、基金，以及新臺幣與美元交割。技術可行之後，下一步是讓商品與交易真正落地，並從單一新臺幣穩定幣，走向可連接不同幣別與國際市場的架構。

王儷玲進一步強調，企業需要的不只是更快的跨境移轉，也包括身分確認、法遵、外匯管理及交易文件驗證。銀行、VASP 與金融市場基礎設施若能依各自專業協作，才能讓穩定幣與 RWA 從試驗走向規模化應用，形成臺灣參與全球數位金融市場的核心能力。

At the FinTechOn 2026 & AFA Summit, Taiwan FinTech Association Chairperson 王儷玲 drew on virtual-asset regulation, RWA pilots, and corporate cross-border needs to outline Taiwan’s next core task: not simply to issue another token—the “coin”—but to build the trust and cross-border digital financial infrastructure needed to make it “stable.”

As virtual-asset regulation moves toward a licensing regime, stablecoin issuance will be subject to requirements covering authorization, full reserve backing, asset segregation, redemption, and information disclosure. She said the framework must also retain sufficient flexibility to respond to rapid changes in technology and markets.

Taiwan’s RWA pilots have brought together the central bank, Taiwan Depository & Clearing Corporation, and nine financial institutions to test domestic and foreign bonds and funds, with settlement in both New Taiwan dollars and U.S. dollars. Once technical feasibility has been established, the next step is to bring actual products and transactions to market and move beyond a single New Taiwan dollar stablecoin toward an architecture that can connect multiple currencies and international markets.

王儷玲 further emphasized that businesses need more than faster cross-border transfers. They also need identity verification, regulatory compliance, foreign-exchange management, and transaction-document verification. Only through collaboration among banks, virtual asset service providers (VASPs), and financial market infrastructure providers—each contributing its own expertise—can stablecoins and RWAs move from pilots to scaled applications and become a core capability for Taiwan’s participation in global digital finance.

#王儷玲

#臺灣金融科技協會 #王儷玲 #穩定幣

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