> **Clarifying Chainlink details** > We should clarify a few points, like adding more context about Chainlink’s CRE, Swift ISO 20022 specifics, and the DTA (Chainlink Digital Transfer Agent). CRE facilitates using ISO 20022 messages for on-chain actions by translating SWIFT messages into signed instructions for smart contracts, and the DTA handles on-chain transfer agent functions. Also, mentioning permissioned/public chain accessibility, identity frameworks, compliance, KYC, and custody is key. Let’s avoid unverifiable details, like schedules, while expanding on these concepts.> > **Rewriting news-style article** > I’ll avoid directly repeating the sentence about Chainlink's production timeline and instead focus on the potential benefits and risks, including security, operational, and legal aspects. Since the user prefers a clean, news-style rewrite with headings, I’ll steer clear of adding new details beyond what was already in the original text. I’ll also make sure not to overstate any claims and stick with the facts provided by the original.> > **Writing article content** > I’ll start with the headline: "Chainlink Launches Solution Triggering On-Chain Asset Workflows via SWIFT Messages," followed by the subheading: "CRE Converts ISO 20022 Messages to On-Chain Actions, UBS Tokenize Joins Pilot." Then, I'll provide a method description about how banks use existing infrastructure and how ISO 20022 messages route through CRE to invoke consistent on-chain actions. I'll highlight UBS Tokenize’s role in this pilot, where ISO 20022 messages triggered smart contract subscriptions/redemptions. I'll also expand the explanation of the Digital Transfer Agent (DTA) and its functions. Finally, I’ll relate the work to Project Guardian's broader aims.> > **Benefits and limitations of Chainlink’s solution** > Chainlink’s solution offers significant advantages like leveraging SWIFT's global network and identity/authentication frameworks, allowing banks to use existing systems while triggering smart contracts. This streamlines compliance, reconciliation, and reduces intermediaries by using an on-chain transfer agent model. However, there are limitations: Chainlink hasn’t disclosed a production timeline or announced additional asset managers beyond UBS Tokenize. Regulatory approval, legal integration, governance, KYC/AML, and finality processes will remain essential for banks. CRE serves a critical role as middleware, requiring robust security and auditability. Despite these obstacles, this marks a significant step in bridging traditional finance with blockchain smart contracts. > *Thought for 26s*

Chainlink 推出将 SWIFT 消息路由到链上工作流的方案，UBS Tokenize 参与首批试点

Chainlink 宣布了一种新的技术路径，使金融机构可以通过现有的 SWIFT 消息（基于 ISO 20022 格式），经由其 Chainlink Runtime Environment（CRE）进行路由，从而触发并管理链上的数字资产工作流，而无需替换现有核心系统。

CRE 把 ISO 20022 指令转为链上操作，支持公链与许可链接入

据公司在法兰克福的发布，CRE 能接收来自银行的 ISO 20022 报文，对其进行解析与验证，然后把经过必要合规与身份校验的指令转化为对智能合约的调用。该流程旨在在保留银行现有消息工具与身份框架的同时，允许其与公共或许可性区块链互通。

首个公开的落地示范由瑞银的代币化业务 UBS Tokenize 参与。Chainlink 表示，在试点中，UBS 通过 SWIFT 发送的 ISO 20022 消息触发了代币化基金智能合约的认购与赎回流程，CRE 负责接收与路由，随后按照预定工作流在链上执行相关操作。

在演示中，CRE 将收到的报文映射到 Chainlink 提出的 Digital Transfer Agent（DTA）技术规范所定义的基金工作流逻辑，并驱动相应的链上登记、份额变更与结算指令。示范重点在于连接链下的银行后端与链上的基金处理流程，实现信息与动作的端到端联通。

Chainlink 表示，此项工作是对其与 SWIFT、UBS 在新加坡金融管理局（MAS）框架下 Project Guardian 项目先前尝试的延展，该项目曾探索如何利用现有支付与清算通道为代币化基金的现金结算提供链下支持。

通过依托 SWIFT 的全球消息网络与已有的身份与合规机制，该方案的目标是把机构已熟悉的工作方式作为接入点，降低对区块链实验的技术门槛。换言之，机构可以保留既有报文、KYC/身份管理与会计记录系统，同时把需要高透明度与可自动化处理的流程迁移到链上。

Chainlink 把这种“消息到智能合约”的桥接描述为一种可插拔的数字转移代理模型，能够替代或补强传统转移代理与部分中介职能。公司认为，将更多工作流放到链上可以简化合规自动化、提高对账速度并减轻人工操作负担，但同时也需与监管与托管实践对齐。

Chainlink 尚未公布该方案的大规模生产部署时间表，也没有公开除 UBS Tokenize 以外的其他资产管理人名单。公司将该举措定位为面向全球基金与资产管理行业的基础设施能力，但强调要实现广泛应用，还需解决监管合规、法律地位、托管与最终结算等实际问题。

总体来看，这一进展代表了传统银行通信标准和智能合约技术进一步靠拢的尝试：通过把 SWIFT 报文转译为链上指令，金融机构能够在保持既有运营与合规框架的前提下，逐步把能带来自动化和透明度收益的工作流迁移到区块链上。但在全面推广之前，关于法律承认、清算最终性、运维安全与审计可追溯性等关键问题仍需各方共同推进并得到监管认可。