Amabanki yo hagati afite ubwoba bwinshi bwakwirakwijwe vuba na crifptocurcy itazwi kandi yigenga, yiteguye kuyobora amafaranga yabo ya digitale. Muri icyo gihe, nta mutware wa Banki Nkuru yumva neza, impamvu igihugu gikeneye CBDC
Aho kuba CBDC, ukeneye "amafaranga"
Ubukungu, umushakashatsi w'ishuri rya Copenhagen, abanyamanota Christensen atizeye ko banki nkuru zitaramenya impamvu bakeneye amafaranga ya digitale (CBDC), mubyukuri, bizaba bihwanye n'ifaranga risanzwe rifite ibizaza. Yabimenyesheje kurupapuro rwe kuri Twitter, aho yagaragaje icyerekezo cye birambuye.
Injira umuyoboro wacu wa telegaramu kugirango umenye imigendekere nyamukuru ya Crypton.
Nk'uko Estesen, banki nkuru ashaka guhura n'umuguzi asaba amafaranga ya elegitoroniki. Mugihe cyigihe icyorezo, kwishyurwa kwa elegitoroniki inshuro nyinshi, ariko ntabwo amabanki yose yari yiteguye gutunganya ibintu byinshi. Kristensen yemera ko gukemura iki kibazo, ifaranga rya digitale nkuru ntabwo rikenewe (CBDC). Irasaba gukoresha amafaranga ya digitale (CBD).
Impuguke irasaba guhinduranya sisitemu yuzuye ya elegitoronike yo kubara hagati yabakoresha na banki. Kubwibyo, buri muturage, rwiyemezamirimo cyangwa isosiyete igomba kwandikisha igikapu cya elegitoroniki amafaranga ya elegitoroniki amafaranga ya banki azakirwa mugihe cyo kwimura amafaranga. Muri icyo gihe, amabanki ntagomba kwishyuza Komisiyo kubisobanuro cyangwa igomba kuba zeru. Abakoresha ubwabo barashobora guhanagura amafaranga ya elegitoroniki kumafaranga cyangwa bakamafaranga muri ATM.
Kristensen yemera ko kubahirizwa amafaranga ya elegitoronike bigomba kugenzurwa, bityo dushobora gufata inzira yo kubara Cryptochurn. Ariko ingano yurubano izagenwa gusa na Banki Nkuru.
Uburyo nk'ubwo, ukurikije umuhanga, bizemerera amabanki kunoza politiki ya leta, ndetse no kugabanya ifaranga mu kugabanya umubare w'amafaranga mu bicuruzwa.
Nongeye kubona monopole
Ubukungu bw'amafaranga n'Umuhanga mu by'amateka George Selgipt yizeye ko imikoreshereze ya CBD izatanga amabanki ya CBD azatanga amabanki yo hagati ku isoko, kandi intangiriro y'ikinjiriro rwa elegitoroniki rwose izafasha kandi abayobozi kugenzura amafaranga, guhagarika umukoresha.
Muri iki gihe, nta mpuguke cyangwa ubwazo zitigeze zigera kuri konti rusange kuri konti ya CBDC. Nubwo bimeze bityo ariko, Banki Nkuru irakora cyane ku iterambere ry'ifaranga rya digitale, kandi ibihugu bimwe bimaze kugeragezwa na CBDC.
Rero, mu Buyapani, bamaze gutangira kugerageza ifaranga ryabo rya digitale. Ibihugu bitari bike nka Turukiya, mu Budage abandi baratera imbere cyane.
Umuyobozi utagabanijwe muri iyi nzira akomeza Ubushinwa, bumaze kurangiza kwipimisha ya digitale. Uburusiya buracyareba CBDC kandi ntihuhuta hamwe no gutangiza umurongo wa digitale.
Nigute impinduka zubukungu mu Burusiya zizahinduka, niba CBDC yaremye kandi irekurwa ku isoko, soma hano.
Amabanki yoherejwe aracyasobanukiwe impamvu bakeneye CBDC - yagaragaye mbere kuri Beincrypto.