FUNGIDZIRA kuti iwe unoda vatumwa vakasiyana kuti vatumire mhando dzakasiyana dzem meseji. Semuenzaniso, mameseji mameseji anogona chete kutumirwa kuburikidza ne whatsapp, odhiyo - chete kuburikidza neViber, vhidhiyo - chete kuburikidza nefoni. Kusagadzikana, handiti? Asi izvi ndozvazvinoita kana zvasvika pakubhadhara mari: Tumira uye zvakajairika mari yemagetsi kubva kubhengi account, uye crypartocurrency kuburikidza ne "imwe hwindo" hazvigoneke. Iye zvino dambudziko iri rinokanganisa vanhu vazhinji, asi mamiriro acho achazosvitsa pamwe nenhamba yeNyika Digital Curnities (Central Bank Digital Mari, CBDC) mumakore mashoma anotevera. Iwe unofanirwa kutsvaga sarudzo izvozvi.
Sanganisa mari dzakasiyanaTsika yemari yemari haichakwanisi kufuratira tekinoroji matsva: Maererano neCambridge Center yeMamwe Mari, kubva kune vanhu vane mamirioni makumi matatu kusvika pamakumi matatu emamiriyoni 2020. Imwe chidzidzo chakaratidzwa kuwedzera muhuwandu hwerudzi rwechirume na78% zvichienzaniswa ne1909
Crypt Masevhisi anounza zvakanaka purofiti. Muchikamu chetatu che2020, paypal yakawedzera bitcoine yekutenga basa, uye huwandu hwekutengeserana kwaro kwakatanga kukura. MuIV Quarter, kambani yakawedzera kubhadhara ne36% kusvika pamadhora makumi maviri nemashanu - chimwe chezvakanakisa zviratidzo munhoroondo yayo.
Kune rimwe divi, mushure memakore matatu kusvika mashanu, mari-yemhando yemari ichave yezuva nezuva chokwadi. Uye nekuda kwekusurindurwa kwavo kwakapararira, zvivakwa zvitsva zvakazara zvinodawo. China, iyo yakatanga yatanga kufadza (isati yaparara, yakarongwa yeOlimpiki 2022) uye ikozvino shiri yemagetsi yekubhadhara, DCEP), kuita basa iri: Watova mabhangi masere emunharaunda akagadzira kana kukudziridza kwavo wega magetsi magetsi - iyo huru chishandiso chekushanda neiyo dcep.
Iyo Chinese digital Yuan ichiri chete muenzaniso wekushanda kwemari yedhijitari yemabhangi, kunyangwe iyo inopfuura makumi matanhatu kubhengi pasi rose pasi rese rinoongorora uyu mukana. Iyo DCE yakavakirwa pane tekinoroji yeiyo inodzorwa blockchain, iyo iyo vanhu bhangi reChina kudzora zvizere. Iyi ndiyo tekinoroji inokubvumira kuti ugone kuwana kutonga kwese kwekutengeserana kwemari, ona kero yekushandisa munharaunda, kuwedzera mutero wekuunganidza uye kuyambira mano ematsotsi emari.
Mukuchinja, iyo International Kubhadhara system Visa munguva pfupi yapfuura yakaunzwa protocol iyo inobvumira Offline mashandiro ane dijitari hurumende yemari. Izvo zvakaringana kurodha chirongwa chakakosha kufoni, uye iwe unogona kubhadhara kana kugamuchira kubhadhara, kunyangwe kana pasina Internet. Mune ino kesi, nyaya dzeDhijitari dziri, kutaura idi, kutsiva mari, ndiko kuti, huwandu hwekushanda hunodzorwa nebhangi repakati rinowedzera.
Cash yakawanda-ruzivo yave kuda kuve yekumanikidza inodikanwa kune zviridzwa zvemari. Mabhangi anofanirwa kuita kuti vanhu vatadze kuita chero mashandiro neye fiat, cbdc uye crypt munzvimbo imwechete - chikumbiro chekubhengi. Vazhinji vepakati bhanga, kusanganisira Russian, usinga zive zvakafanira bitcoin, ether senzira yekubhadhara, asi mabhangi havaone zvinodiwa nekukurumidza. Kune vatengi, iyi ndeimwe yenzira dzekupedzisira dzekushandisa kuchema: Zvivakwa zvaro zvekubhadhara ikozvino hazviratidzwe.
Asi pane snag: matsva mafomu haana chekuita nemitengerwe. Zvakare, nyika imwe neimwe inofunga kuti yakavhurika yeCBD se tekinoroji yemunhukadzi, ndiko kuti, isina huwandu hwakajairika nenyika dzakavakidzana.
Chii chinotadzisa kusanganisa "chembere" uye "mitsva" matsvaCryptocurrency uye CBDC ichangobva kuoneka, saka pane zvakawanda zvekusagadzikana zvakavakomberedza. Panguva imwecheteyo, mari uye yedhijitari mari ine zviitiko zvakajairika, munzira uye mhando yekuita kwekusikwa kweiyo chisikwa chemuti wemhando yemari yakawanda zvinoenderana.
Mabhangi epakati anozivisa kuti mukati mehurumende yavo digital mari ichave isina kusungwa pamwe nedzimwe mafomu. Asi zvakakosha kwazvo kuti zvinyorwa zvemijitari zvemarudzi akasiyana zvinowirirana uye pakati pavo. CBDC ichabata mumwe nemumwe mukusiyana kwakasiyana siyana nemutemo wakasiyana, saka mibvunzo ichasimuka. Semuenzaniso, zvichakwanisika kutenga mashiripiti munyika umo zvinorambidzwa nekushandura mari mu digital mari yeiyo crypt iri pamutemo?
Kuteerana kune kukosha kwakakosha kwekuvaka mari yakawanda-fomu. Pasina nzira imwechete, iri kure nekufamba. Parizvino, neruremekedzo kuCBDC uye Crypartrency, service yega yega inoitisa Aml inotarisa maererano neyaro mutemo, munhu haafanire kuverenga kuti rimwe bhanga racho rinouya kuzosimbisa.
Vanhu, kure neCrypromir, zvinoita sekunge pfuma yedhijitari haigone kupinda mune tsika dzebhizinesi. Asi hazvisizvo. Chiitiko chechikwata chedu chinoratidza kuti zvinodikanwa kuti uve nenzira yakajairika yekutevedzera, imwe yemari yechinyakare uye ichichema. Izvi zvinodzivirira kufungidzira kwemhosva kune vese varidzi vezvinhu zveDigital. Nekudaro, kutaura zvazviri, vazhinji vevaridzi vemidziyo yedhijitari vanoshanda mumunda wepamutemo uye usatyora mutemo.
Uyezve, nhasi kune zvishandiso zvinoshanda zvakanyanya mu cryptofinance yekupikisa zviri pamutemo kwemari kupfuura mune yechinyakare system. Semuenzaniso, KYT-MABHUKU (Ziva Yako Kutengeserana) Kubvumidza iwe nhoroondo yese yeCrypotomenes - kubva panguva yekugadzira chiratidzo uye vasati vapinda mumushandisi wemushandisi, kusanganisira yega yekuvhiringidza yaakatora chikamu.
Shanda nemari yeseMisiyano iri pakati pe "yekare" uye "mitsva ye" Mari "isiri chaiyo zvekuti hazvigoneke kutaura nezve mukana wekushandiswa kusanzwisisika kwezvinhu zvakasiyana, zvisinei kuti zvakadii. Ndokusaka mubvunzo ndewekuti ungaita sei kuti ubatanidzwe kwemari dzakasiyana dzemari, zvinonyanya kuwirirana nhasi pane maretenda emabhangi mazhinji uye masevhisi eFintech.
Isu tinopinda mune itsva nguva yemapindiri emari yemapepa ese uye saizi ichashanda chidimbu chavo chemusika, kusanganisa akasiyana siyana emari yemagetsi, CBDC uye crypartrency nemhando dzakasiyana siyana dzemasevhisi. Semuenzaniso, makadhi evona anga aripo, ayo anobatanidza fiat, crypt, simbi inokosha uye mari yekudzosera mari.
Mumamiriro ezvinhu akadaro, apo makambani uye vanhu vanogona kusarudza pakati pemhando dzakawanda dzemari / mari / mari yekubhadhara, avo chete vanogona kushandira panguva yese mafomu uye masevhisi achanzi kodzero yekudaidzwa kuti ibumbiro rezvose.
Mafungiro emunyori anogona kusabatana nenzvimbo yeiyo vitimes edition.