According to CoinMeta, as reported by Cointelegraph, HSBC and Ant Digital Technology have completed the verification of smart contract-based micro-payment technology. This test combined HSBC's tokenized deposit service with Ant Digital Technology's Anvita Flow network and the Jovay Layer testing network, enabling the AI smart contract to autonomously select digital services and use tokenized bank deposits to complete micro-payments, achieving real-time settlement and risk checking on the blockchain. HSBC is responsible for settlement and real-time risk control, while Ant Digital Technology is in charge of coordinating service calls and payment processes. Both parties stated that this test was limited to technical verification only and no commercial or customer-facing services have been launched yet.