Ingoganizirani kuti mukufuna amithenga osiyanasiyana oti mutumize mauthenga osiyanasiyana. Mwachitsanzo, mameseji mameseji akhoza kutumizidwa kudzera pa whatsapp, audio - okha kudzera pa Viber, video - kokha kudzera mu telegalamu. Osamasuka, sichoncho? Koma umu ndi momwe zimachitikira pankhani ya ndalama: Tumizani ndalama zamagetsi zochokera ku akaunti ya banki, ndi cryptocruscy kudzera pa "zenera limodzi" ndizosatheka. Tsopano vutoli limakhudza anthu ambiri, koma izi zichulukitsa ndi kuyambitsa ndalama zaboma (Central Bank Digital Cagency, CBDC) M'zaka zochepa. Muyenera kuyang'ana lingaliro tsopano.
Phatikizani ndalama zosiyanasiyanaMakina azachuma sathanso kunyalanyaza matekinoloje atsopano: malinga ndi kuchuluka kwa Cambridge kwa ndalama zina, kuchuluka kwa ogwiritsa ntchito ma cryptid akula pafupifupi katatu: kuyambira pa anthu miliyoni mpaka mu 2011 miliyoni a kuchuluka kwa eni ake a Cryptoacive ndi 78% poyerekeza ndi 2019
Ntchito zolira zimabweretsa phindu labwino. Mu kotala lachitatu la 2020, Paypal adawonjezera ntchito yogulira Bitcoine, ndipo kuchuluka kwa zochitika zake zidayamba kukula. Mu IV kotala, kampani yowonjezeka ndi 36% mpaka $ 277 biliyoni - imodzi mwa zisonyezo zabwino kwambiri m'mbiri yake.
Komabe, patatha zaka zitatu kapena zisanu, ndalama zokhala ndi digito za boma zidzakhala tsiku ndi tsiku. Ndipo chifukwa cholemba chawo pofalikira, cholengedwa chatsopanochi chithanso. China, chomwe chidayambitsidwa kuti ayesedwe (sichinafalanji, chimakonzedwa kwa Olimpiki 2022) ndipo tsopano amalimbikitsa ntchito iyi: Zakudya zamagetsi zamagetsi - chida chachikulu chogwira ntchito ndi DCEP.
Digito waku China Yuan akadali chitsanzo chokha cha ndalama za digito ya mabanki apakati, ngakhale kuti Bank yoposa 60 ya banki padziko lonse lapansi imafufuza mwayi uwu. DCEP imakhazikika paukadaulo wa blockchain yoyendetsedwa, yomwe banki ya anthu imawongolera kwathunthu. Ndi ukadaulo uwu womwe umakupatsani mwayi wowongolera zochitika zonse zachuma, onetsetsani kuti ma adilesi ochezera a anthu, onjezani msonkho wa msonkho ndikukhazikitsa njira zachindunji zachuma.
Nawonso, visa yolipira yapadziko lonse lapansi yangoyambitsa protocol yomwe imalola kuti ntchito zamagetsi zizigwiritsa ntchito ndalama za digito. Ndikokwanira kutsitsa pulogalamu yapadera ku foni, ndipo mutha kulipira kapena kuvomereza kulipira, ngakhale kulibe intaneti. Poterepa, madandaulo a digito, makamaka, m'malo mwake, ndiye kuti, kuchuluka kwa magwiridwe antchito ndi banki yapakati kumawonjezeka.
Chidziwitso cha ndalama zambiri chili pafupi kukhala chofunikira choyenera kulandira ndalama. Banks ayenera kupangitsa kuti anthu azitha kugwira ntchito ndi fiat, CBDC ndi Cry Strip pamalo amodzi - kugwiritsa ntchito banki. Ambiri Bank, kuphatikiza Chirasha, osazindikira Bithein, ether ngati njira yolipira, koma mabanki sawona chosowa changu. Kwa makasitomala, iyi ndi imodzi mwanjira zomaliza kugwiritsa ntchito Crypt: Malo ake olipira tsopano sakunena.
Koma pali chithunzi: Mafomu atsopano alibe chilichonse chochita ndi omwe adalipo. Kuphatikiza apo, boma lililonse limayang'ana kukhazikitsidwa kwa CBDC monga ukadaulo wapamwamba, ndiye kuti, popanda malire ofanana ndi mayiko oyandikana nawo.
Zomwe zimalepheretsa kuphatikiza "wakale" ndi "zatsopano"Cryptocrescrencrenasi ndi Cbdc posachedwapa adawonekera posachedwa, kotero pali zosatsimikizika zambiri zowazungulira. Nthawi yomweyo, ndalama zatha ndi digito ndi digito ndizofala, pa njira ndi mtundu wa kukhazikitsidwa kwa zomwe kupangidwa kwa mtundu wa zinthu zambiri kumadalira.
Mabanki apakati amafotokoza kuti mkati mwa boma ndalama zawo za digito zimakhala zophatikizika ndi mitundu yawo ina. Koma ndikofunikira kuti ndalama za digito za maiko osiyanasiyana ndizogwirizana komanso pakati pawo. CBDC ikhudzane wina ndi mnzake m'malamulo osiyanasiyana okhala ndi malamulo osiyanasiyana, motero mafunso adzayamba. Mwachitsanzo, kodi zingathe kugula cryptocorncy m'dziko lomwe limaletsedwa potembenuza ndalama kukhala ndalama zaboma pomwe ukulira ndi kovomerezeka?
Kutsatira kuli kofunika kwambiri pomanga njira yothetsera mitundu yambiri. Popanda njira imodzi, ndisasunthike. Pakadali pano, mwaulemu kwa CBDC ndi Cryptocturncy, ntchito iliyonse imapangitsa kuti macheke a aml mogwirizana, munthu sayenera kuwerengera banki ina yomwe izi zimapangitsa kuti malondawo athe kutsimikizira.
Anthu, akukhala kutali ndi Cryptomir, zikuwoneka kuti katundu wa digita sangathe kulowa m'mabizinesi achikhalidwe. Koma sichoncho. Zomwe takumana nazo timu zimawonetsa kuti ndikofunikira kukulitsa kutsatira njira yotsatira, imodzi mwa zonse zokhudza anthu komanso ruppt. Izi zimalepheretsa malingaliro odziimba mlandu kwa eni onse a callital. Komabe, makamaka, eni malonda a digita amagwira ntchito povomerezeka ndipo musaphwanye lamulo.
Kuphatikiza apo, masiku ano pali zida zothandiza kwambiri mu Cryptofinence kuti muchepetse ndalama zomwe mwapeza kuposa momwe zimakhalira. Mwachitsanzo, njira za KYT (mukudziwa zomwe mumachita) zimakupatsani mwayi woti mudziwe mbiri yonse ya Cruptoms - kuyambira nthawi yomwe adapanga chikwangwani cha wosuta, kuphatikizapo opaleshoni iliyonse yomwe adatenga nawo mbali.
Gwirani ntchito ndi ndalama zonseKusiyana pakati pa "Zakale" ndi "zatsopano" si zokhazokha, koma zili choncho kwambiri kotero kuti sizotheka kufotokoza za mitundu yopanda pake, ngakhale atakhala bwanji. Ichi ndichifukwa chake funso ndi momwe mungawonetsere kugwirizana kwa mitundu yosiyanasiyana ya ndalama, kumakhala kovuta kwambiri masiku ano pa gulu la mabanki ambiri ndi zigawo za Fintech.
Timalowa mu nthawi yatsopano ya zolembedwa ndi mitundu yonse ya malembedwe ndi kukula kwake komwe kumapanga gawo lawo la ndalama, kuphatikiza ndalama zamagetsi, cbdc ndi cryptocrucy ndi mitundu yambiri yamitundu yambiri. Mwachitsanzo, makadi a Visa alipo kale, omwe amaphatikiza fiat, Clupt, Zitsulo zamtengo wapatali komanso ndalama zolipirira.
Munthawi ngati izi, akakhala makampani ndi anthu amatha kusankha pakati pa mitundu yambiri ya ndalama / ndalama zolipira, okhawo omwe amatha kugwiritsa ntchito nthawi imodzi ndi mitundu yonse kapena ntchito zomwe zimatchedwa kuti ufulu wa chilengedwe chonse.
Malingaliro a wolemba sangafanane ndi mawonekedwe a VITI.