香港金融科技週迎來第十屆，吸引超過 3.7 萬人、逾百個經濟體參與。監管機構藉此機會公布「Fintech 2030」五年行動藍圖，推出 40 餘項具體措施，目標是打造更穩健、富彈性且具前瞻性的全球金融科技樞紐。

該路線圖以「DART」為核心架構 —— 分別代表數據（Data）、人工智慧（AI）、韌性（Resilience）與代幣化（Tokenisation），這標示著香港金融科技發展正從概念驗證階段，逐步邁向製度化、規模化的落地階段。

穩定幣成為本屆活動的全場熱點。多家企業展示了基於穩定幣的跨境支付、企業資金管理解決方案，並強調「資金敏捷性」將成為未來的核心競爭力：透過即時、透明且可程式化的穩定幣結算，有望大幅提升企業營運效率。香港全新的穩定幣監管規則已於今年 8 月正式生效，要求發行方必須持有高品質流動資產，且需具備至少 2500 萬港元的實繳資本。

大型銀行也公開表態看好區塊鏈的未來發展。渣打集團認為，未來「幾乎所有交易都將在區塊鏈上進行結算，所有貨幣也將走向數位化」。目前該行正積極研發代幣化產品，並計劃發行與港元掛鉤的穩定幣。騰訊方面則展示了其跨境互聯的成果，旗下支付網絡已連接超過 20 個海外錢包，覆蓋十多個國家與地區。

在企業落地層面，香港本地金融科技公司 Reap 宣布將在鰂魚湧擴建總部，該公司表示此決定主要看重香港清晰的監管環境、多元貨幣市場深度以及強大的國際連接優勢。香港財政司司長陳茂波強調：創新與穩健必須並行，透過「監管沙盒」機製，允許新服務在可控條件下進行測試，既能推動創新，也能保障投資者權益與金融系統穩定。

本屆香港金融科技週由香港特別行政區政府多個部門聯合主辦，設有 11 大主題論壇，邀請超過 800 名講者參與，並有 700 家企業參展，內容涵蓋人工智慧、數位資產、健康科技以及中外創新合作等領域，充分凸顯香港鞏固全球數位金融樞紐地位的戰略規劃。

The 10th Hong Kong Fintech Week has kicked off, attracting over 37,000 participants from more than 100 economies. Seizing this opportunity, regulatory authorities have released the 'Fintech 2030' five-year action blueprint, rolling out more than 40 specific measures, with the goal of building a more robust, resilient, and forward-looking global fintech hub.

This roadmap takes 'DART' as its core framework — representing Data, AI (Artificial Intelligence), Resilience, and Tokenisation respectively. This indicates that the development of Hong Kong’s fintech is gradually moving from the proof-of-concept phase to the stage of institutionalization and large-scale implementation.

Stablecoins have become the highlight of this year’s event. A number of enterprises have demonstrated stablecoin-based cross-border payment and corporate fund management solutions, emphasizing that 'capital agility' will become a core competitiveness in the future: real-time, transparent, and programmable stablecoin settlements are expected to significantly improve corporate operational efficiency. Hong Kong’s new stablecoin regulatory rules officially took effect in August this year, requiring issuers to hold high-quality liquid assets and have a paid-in capital of at least HK$25 million.

Major banks have also publicly expressed their optimism about the future development of blockchain. Standard Chartered Group believes that in the future, 'almost all transactions will be settled on the blockchain, and all currencies will move toward digitalization.' Currently, the bank is actively developing tokenized products and plans to issue stablecoins pegged to the Hong Kong dollar. Tencent, on the other hand, has demonstrated the achievements of its cross-border connectivity — its payment network has connected more than 20 overseas wallets, covering more than a dozen countries and regions.

At the enterprise implementation level, Reap, a local Hong Kong fintech company, announced that it will expand its headquarters in Quarry Bay. The company stated that this decision mainly values Hong Kong’s clear regulatory environment, the depth of the multi-currency market, and its strong international connectivity advantages. Paul Chan Mo-po, Financial Secretary of Hong Kong, emphasized that innovation and stability must go hand in hand. Through the 'regulatory sandbox' mechanism, new services are allowed to be tested under controllable conditions, which can both promote innovation and protect investors’ rights and interests as well as the stability of the financial system.

This year’s Hong Kong Fintech Week is co-hosted by multiple departments of the Government of the Hong Kong Special Administrative Region. It features 11 major thematic forums, invites more than 800 speakers to participate, and has 700 enterprises exhibiting. The content covers areas such as artificial intelligence, digital assets, health technology, and Sino-foreign innovation cooperation, fully highlighting Hong Kong’s strategic plan to consolidate its position as a global digital financial hub.