标题： 私人、可审计和分布式账本用于金融机构 显示英文标题

标题： Private, Auditable, and Distributed Ledger for Financial Institutes

摘要： 分布式账本技术为银行业和金融行业提供了多种优势，包括高效的交易处理和跨参与方的交易对账。 金融机构采用这项技术的关键挑战是（a）构建一个保护隐私的账本，（b）支持审计和监管要求，以及（c）适应包含多种数字资产和参与者的复杂用例的灵活性。 本文提出了一种私有、可审计和分布式账本（PADL）的框架，该框架能够轻松适应金融机构中的基本用例。 PADL采用广泛使用的密码学方案结合零知识证明，提出了一种类似“表”的账本交易方案。 它在无信任环境中实现了快速保密的点对点多资产交易，以及交易图匿名性，同时保持定制化的隐私。 我们证明了PADL的完整性和匿名性可以抵御强大的威胁模型。 此外，我们展示了三个基本的现实用例，即资产交换账本、结算账本和债券市场账本。 基于这些用例，我们展示了PADL在保持参与者隐私的同时支持顺畅的跨资产审计。 例如，我们展示了银行如何在不违反自身或其他任何一方隐私的情况下被审计其流动性或信用风险，或者展示了PADL如何在不共享投资者价值的情况下确保债券市场中的诚实票面利率支付。 最后，我们的评估显示了PADL在性能上相对于之前相关方案的优势。 显示英文摘要

摘要： Distributed ledger technology offers several advantages for banking and finance industry, including efficient transaction processing and cross-party transaction reconciliation. The key challenges for adoption of this technology in financial institutes are (a) the building of a privacy-preserving ledger, (b) supporting auditing and regulatory requirements, and (c) flexibility to adapt to complex use-cases with multiple digital assets and actors. This paper proposes a framework for a private, audit-able, and distributed ledger (PADL) that adapts easily to fundamental use-cases within financial institutes. PADL employs widely-used cryptography schemes combined with zero-knowledge proofs to propose a transaction scheme for a `table' like ledger. It enables fast confidential peer-to-peer multi-asset transactions, and transaction graph anonymity, in a no-trust setup, but with customized privacy. We prove that integrity and anonymity of PADL is secured against a strong threat model. Furthermore, we showcase three fundamental real-life use-cases, namely, an assets exchange ledger, a settlement ledger, and a bond market ledger. Based on these use-cases we show that PADL supports smooth-lined inter-assets auditing while preserving privacy of the participants. For example, we show how a bank can be audited for its liquidity or credit risk without violation of privacy of itself or any other party, or how can PADL ensures honest coupon rate payment in bond market without sharing investors values. Finally, our evaluation shows PADL's advantage in performance against previous relevant schemes.