Tekereza ko ukeneye intumwa zitandukanye zo kohereza ubwoko butandukanye bwubutumwa. Kurugero, ubutumwa bugufi bushobora koherezwa gusa ukoresheje whatsapp, amajwi - gusa binyuze muri viber, videwo - kuri telegaramu gusa. Bidashoboka, nibyo? Ariko uko niko bigenda iyo bigeze kumari: ohereza kandi usanzwe amafaranga ya elegitoroniki kuri konti ya banki, na Critictocurcy binyuze muri "Idirishya rimwe" ntibishoboka. Noneho iki kibazo kigira ingaruka kubantu benshi, ariko ibintu bizamuratangira amafaranga ya digitale (Banki Nkuru Digital Ifaranga, CBDC) mumyaka mike iri imbere. Ugomba gushakisha icyemezo ubungubu.
Huza amafaranga atandukanyeSisitemu gakondo y'imari ntishobora kugirengagiza ikoranabuhanga rishya: Dukurikije Ikigo cya Cambridge mu bundi buryo, umubare w'abakoresha borozi wakuze inshuro eshatu: kuva miliyoni 35 z'ubuntu mu gihembwe cya gatatu 2020. Ubundi bushakashatsi bwerekanye an kwiyongera kumubare wa Coryptoacive na 78% ugereranije na 2019
Ibikorwa bya Crypt bizana inyungu nziza. Mu gihembwe cya gatatu cya 2020, PayPal yongeyeho imikorere yo kugura bitcone, kandi umubare wibicuruzwa byayo watangiye gukura. Muri Quarter ya IV, Isosiyete yongereye ubwishyu kuri 36% kugeza kuri miliyari 277 - kimwe mu bipimo byiza mu mateka yacyo.
Ku rundi ruhande, nyuma yimyaka itatu kugeza kuri itanu, amafaranga ya leta ya leta azaba impamo. Kandi kubera intangiriro yabo cyane, ibikorwa bishya rwose nabyo bizakenerwa kandi. Ubushinwa, bwatangiye bwa mbere mu bujurire (ntabwo bwari bukwirakwira, buteganijwe ku mikino Olempike 2022) none biteza imbere neza umuyoboro wa elegitoronike (disp), dukora kuri iki gikorwa: Gukora kuri banki umunani zateye imbere cyangwa guteza imbere ibyabo Ihuriro rya elegitoroniki - Igikoresho nyamukuru cyo gukorana na dcep.
Umushinwa wa digitale w'Ubushinwa aracyari urugero rwonyine rwo gukorana n'amafaranga ya digitale, nubwo banki zirenga 60 zo hagati iperereza kuri aya mahirwe. DCEP ishingiye ku ikoranabuhanga rya bleckled yagenzuwe, aho banki y'abaturage bo mu Bushinwa igenzura neza. Nubu buryo bwikoranabuhanga bugufasha kugenzura byuzuye kubikorwa byose byamafaranga, menya neza ko amafaranga akoreshwa imibereho, yongera gukusanya imisoro no kubuza gahunda z'imari.
Na none, viza mpuzamahanga yo kwishyura iherereye iherutse gushyiraho protocole yemerera ibikorwa bya interineti hamwe nifaranga rya leta ya digitale. Birahagije gukuramo gahunda idasanzwe kuri terefone, kandi urashobora kwishyura cyangwa kwakira ubwishyu, nubwo nta interineti ihari. Muri uru rubanza, ibihugu bya digitale, no gusimbuza amafaranga, ni ukuvuga ko umubare w'imibare ugenzurwa na Banki Nkuru yiyongera.
Amafaranga menshi-ya interineti agiye kuba itegeko risabwa mubikoresho byubukungu. Amabanki agomba gutuma abantu bashobora gukora ibikorwa byose hamwe na fiat, CBDC no kurira ahantu hamwe - gusaba amabanki. Banki nyinshi Nkuru, harimo Ikirusiya, ntizimenyesheje bitcoin, ether nkuburyo bwo kwishyura, ariko amabanki ntabwo abona ibyo bakeneye byihutirwa. Kubakiriya, iyi ni bumwe muburyo bwa nyuma bwo gukoresha kurira: ibintu byo kwishyura ntibisabwa.
Ariko hariho stag: Impyuma gishya ntaho bihuriye nabanjirije. Byongeye kandi, buri gihugu gisanga itangizwa rya CBDC nk'ikoranabuhanga ry'igenga, ni ukuvuga, nta ruhame rusange n'ibihugu duturanye.
Ni ibihe birinda guhuza "uwashaje" na "New"Cryptochurnts na CBDC baherutse kugaragara, rero hariho ibintu byinshi bidashidikanywaho. Mugihe kimwe, ibizaza hamwe na digital amafaranga bifite imikorere rusange, ku buryo nuburyo bwo gushyira mu bikorwa igisubizo cyimico myinshi biterwa.
Amabanki yo hagati aratangaza ko imbere mu bihugu Ifaranga ryabo rya digitale zizahuzwa nubundi buryo. Ariko ni ngombwa cyane ko ifaranga rya digitale y'ibihugu bitandukanye bihuye kandi hagati yabo. CBDC izakoraho mu bubasha butandukanye n'amabwiriza atandukanye, bityo ibibazo byanze bikunze bikavuka. Kurugero, birashoboka kugura Cryptocurcy mugihugu kibujijwe guhindura amafaranga mumafaranga ya digitale aho ikariso yemewe?
Kubahiriza bifite akamaro kadasanzwe kugirango twubake igisubizo cyinshi. Nta buryo bumwe, ntabwo ari kure yimuka. Kugeza ubu, ku bijyanye na CBDC na Corptocurcy, buri serivisi ikora cheque ya AML hakurikijwe politiki yayo, imwe idakwiye kubara ko irindi banki aho gucuruza ibyo haje kubyemeza.
Abantu, kure ya Cryptomir, birasa nuwo mutungo wa digitale udashobora kwinjizwa mubucuruzi gakondo. Ariko sibyo. Ubunararibonye bw'ikipe yacu bwerekana ko ari ngombwa guteza imbere uburyo rusange bwo kubahiriza, bumwe ku mafaranga gakondo n'ibituba. Ibi birinda icyifuzo cyo kwihatirira abafite umutungo wa digitale. Ariko, mubyukuri, ba nyir'umutungo wa digitale bakorera mu mategeko kandi ntibarenga ku mategeko.
Byongeye kandi, muri iki gihe hari ibikoresho byiza cyane muri Cortptofinance kugirango bihangane byemewe ninjiza kuruta muri sisitemu gakondo. Kurugero, Kyt-inzira (Menya ibikorwa byawe) Emerera kumenya amateka yose ya Cryptomones yihariye - uhereye mugihe cyo gukora ikimenyetso na mbere yuko yinjira mu gikapu cyitabiriye.
Korana n'amafaranga yoseItandukaniro riri hagati y '"Kera" na "New" ntabwo ariryo ryonyine, ahubwo risanzwe rikomeye ku buryo bishoboka kuvuga ku buryo budashoboka bwo gukoresha imiterere itandukanye, uko byagenda kose. Niyo mpamvu ikibazo ari uburyo bwo kwemeza guhuza amakuru atandukanye y'amafaranga, birakomeye cyane muri gahunda ya banki nyinshi na serivisi za finch.
Twinjiye mu bihe bishya byerekana urutonde rw'amafaranga n'amahame yose azakorera urupapuro rwa elegitoronike, CBDC na Cortptocugcy hamwe n'ubwoko butandukanye bwa serivisi. Kurugero, amakarita ya Visa asanzwe aboneka, niko fiat fiat, kurira, ibyuma byagaciro hamwe na cashback muri bitcoins.
Mu bihe nk'ibi, iyo ibigo nabantu bashobora guhitamo hagati yamafaranga / amafaranga / sisitemu yo kwishyura, gusa bashobora gukora icyarimwe hamwe nuburyo bwose na serivisi zizitwa uburenganzira bwo kwitwa banki yisi yose.
Igitekerezo cy'umwanditsi ntigishobora guhura n'umwanya wa VITAME.