PhotonPay's PhotonFX solution has been honored with the Adam Smith Award, reshaping the global forex landscape with its innovative foreign exchange solution.

By: blockbeats|2025/11/18 11:30:02

原文来源：PhotonPay

PhotonPay's PhotonFX solution has been honored with the Adam Smith Award, reshaping the global forex landscape with its innovative foreign exchange solution.

AI 驱动的全球数字金融基础设施平台 PhotonPay 光子易，在 2025 年度亚洲区亚当・斯密奖的众多国际参赛案例中脱颖而出，荣获「最佳外汇解决方案」（Best Foreign Exchange Solution）推荐奖。这一国际权威奖项的获得，不仅体现了评审委员会对 PhotonPay 光子易在外汇管理与全球支付领域技术实力的高度认可，也标志着公司在全球金融科技创新道路上迈出了坚实一步。

随着业务持续扩张，其原有依赖多银行账户体系的运营模式逐渐暴露出效率与风险管理方面的问题。分散的账户结构造成流动性难以集中调配，也缺乏与全球外汇市场的即时连接能力。在传统银行截单时间的限制下，一旦出现夜间外汇需求，资金团队无法立即执行交易，只能顺延至次日处理，导致外汇敞口被迫暴露。此外，跨时区紧急转账和日常资金管理仍依赖大量人工干预，员工不得不反复加班以满足全球客户的资金流转需求，客户的跨币种结算也无法避免 T+1 或 T+2 的延迟。面对成本、效率与风控的多重压力，PhotonPay 光子易迫切需要一种无需大规模技术改造，即可实现全天候自动化资金调度和外汇处理的底层金融基础设施，以保持在全球支付行业的竞争优势。

作为业内首批由国际大型银行推出的区块链外汇解决方案，Kinexys 基于分布式账本技术，通过区块链存款账户（BDAs）为企业提供即时流动性与链上外汇能力，使跨境跨币种的资金划拨可以在约 90 秒内完成，显著缩短了原本需要 T+1 或 T+2 的结算周期。该系统覆盖全球九个主要运营地点和五种主流货币，能够满足绝大部分日常外汇需求，同时延长了传统银行截单时间以外约八小时的处理窗口，有效突破了金融基础设施的时间限制。

更重要的是，这一方案引入了可编程支付功能，可以根据预设规则和流动性阈值，自动执行资金划拨与管理操作，即便在节假日也无需人工计算或者提前预存资金。系统上线后，PhotonPay 光子易资金管理团队的工作模式迎来显著变化。过去需要花费大量时间处理跨时区紧急调拨、人工监控外汇敞口并不停计算每日还款需求，如今已大部分交由自动化系统完成。团队得以从重复性的事务性工作中解放出来，将更多精力投入到客户服务、产品创新以及全球流动性的战略管理中，资金运行的韧性和效率也随之大幅提升。

PhotonPay 光子易表示，与摩根大通 Kinexys 的合作为公司在全球化进程中进一步夯实了底层基础设施能力，使其能够更稳定、更敏捷地为全球客户提供服务。未来，PhotonPay 光子易将继续在技术与合规两端加大投入，为全球企业构建更高效、更安全、可扩展的支付与资金管理网络。

本文来自投稿，不代表 BlockBeats 观点。

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