Khawufane ucinge ukuba ufuna abathunywa abahlukeneyo ukuthumela iintlobo ezahlukeneyo zemiyalezo. Umzekelo, imiyalezo ebhaliweyo inokuthunyelwa kuphela nge-whatsapp, iaudio - kuphela yi-Viber, ividiyo kuphela nge-telegraph. Ukungakhululeki, akunjalo? Kodwa le yenzeka njani xa kusenziwa imali: Thumela imali ye-elektroniki kwi-akhawunti yebhanki, kunye ne-cryptocurncy kwi-"windows enye" ayinakwenzeka. Ngoku le ngxaki ayichaphazeli abantu abaninzi, kodwa imeko iya kukwandisa ngokungenisa iimali zedijithali zedijithali (i-Central Bank ye-Central Bank, i-CBDC) kwiminyaka embalwa ezayo. Kuya kufuneka ujonge isigqibo ngoku.
Dibanisa imali eyahlukileyoInkqubo yezemali yendane ayinakungakhathaleli itekhnoloji entsha: NgokweZiko laBasebenzisi beCambridge yezeMali, inani lezigidi ezingama-35 ukuya kwi-101 yezigidi zabantu kwikota yesithathu 20. Olu olunye uphando luveze i Ukunyuka kwenani lamabanini bamahlumela nge-78% xa kuthelekiswa no-2019
I-Crypt Sord zizisa inzuzo entle. Kwikota yesithathu yama-2020, i-PayPal yongeze umsebenzi wokuthenga i-bitcoine, kwaye inani leentengiselwano zalo zaqala ukukhula. Kwikota ye-IV, inkampani yanda iintlawulo ngama-36% ukuya kwi-27 yeedola ezingama-277 zeedola - enye yezona zinto zibalulekileyo kwimbali yazo.
Kwelinye icala, emva kweminyaka emithathu ukuya kwemithathu, iimali zedijithali zikarhulumente ziya kuba yinyani yemihla ngemihla. Kwaye intshayelelo yabo exhaphakileyo, kuya kufuneka izibonelelo ezitsha ngokupheleleyo. I-China, eyaqala ukubhengezwa kwisibheno (okwangoku, kucwangcisiwe iOlimpiki 2022) kwaye ngoku ikhuthaza ngenkani intlawulo yedijithali (i-DCEP yemali yedijithali, i-DCEP), sele iphuhlile Ii-waylets zakho ze-elektroniki - Esi sixhobo siphambili sokusebenza kunye ne-DCEP.
Idijithali yedijithali yaseTshayina isekukuphela komzekelo we-digital imali yeebhanki eziphakathi, ngaphandle kwento engaphezulu kwe-60 yebhanki ephambili emhlabeni wonke phanda eli thuba. I-DCEP isekwe kwitekhnoloji yebhloksi elawulwayo, apho ibhanki yabantu ilawula ngokupheleleyo. Ngaba le teknoloji ikuvumela ukuba ufumane ulawulo olupheleleyo kuzo zonke izinto ezithengiselwayo ngemali, qinisekisa idilesi yenkcitho yentlalo, ukonyusa ukuqokelelwa kwerhafu kunye nezikim zemali.
Emva koko, i-visa yenkqubo yeNtlawulo yeHlabathi yeHlabathi yeHlabathi isandula ukusazisa umgaqo-nkqubo ovumela ukusebenza kwe-intanethi ngeemali zedijithali. Kwanele ukukhuphela inkqubo ekhethekileyo kwifowuni, kwaye ungahlawula okanye wamkele intlawulo, nokuba akukho kwi-Intanethi. Kule meko, amazwe edijithali, enyanisweni, ethatha imali, oko kukuthi, inani lemisebenzi elawulwa yi-Central Bank inyuka.
Imali yobuninzi obuninzi sele iza kuba yimfuno enyanzelekileyo yezixhobo zemali. Iibhanki kuya kufuneka zenze ukuba abantu benze nayiphi na imisebenzi nge-FIAT, i-CBDC kunye ne-GEBDC kwindawo enye - isicelo sebhanki. Uninzi lwebhanki ephakathi, kubandakanya isiRashiya, ungayiqondi kakuhle iBitcoin, i-Ether njengendlela yokuhlawula, kodwa iibhanki aziboni imfuneko engxamisekileyo. Kubathengi, le yeyona ndlela yokugqibela yokusebenzisa i-IRTPT: Iipropathi zayo zokuhlawula ngoku azingobangwa.
Kodwa kukho i-snag: Iifomathi ezintsha azinanto yakwenza nabandulelayo. Ngapha koko, urhulumente ngamnye ucinga ukuqaliswa kwe-CBDC njengetekhnoloji yobukhulu, oko kukuthi, ngaphandle komgangatho oqhelekileyo namazwe angabamelwane.
Into ethintela ukudibanisa "Imali" ka "" entshaI-CrystationsEccurciress kunye ne-CBDC kutshanje ivele, ke kuninzi ukungaqiniseki okubangqongileyo. Kwangelo xesha, imali yexesha eliqinisekileyo kunye nedijithali inemisebenzi eqhelekileyo, kwindlela kunye nomgangatho wokuphunyezwa kwendalo yesisombululo semigangatho yemali exhomekeke.
Iibhanki eziphambili zibhengeza ngaphakathi kwi-State Graital imali yazo yedijithali iza kudityaniswa kwezinye iindlela. Kodwa kubaluleke kakhulu ukuba iimali zedijithali yamazwe ahlukeneyo zihambelana kwaye ziphakathi ngokwazo. I-CBDC iya kuchukumisana kwiJurissigections eyahlukeneyo yommiselo owahlukileyo, ke imibuzo iya kuvela ngokungathandekiyo. Umzekelo, kuya kuba nakho ukuthenga i-cryptocurcy kwilizwe apho bekunqatshelwe ngokuguqula imali kwimali yedijithali yelizwe apho i-crypt isemthethweni?
Ukuthobela kubalulekile okukhethekileyo ukwakha isisombululo sefomati esininzi. Ngaphandle kwendlela enye, kukude. Ukuza kuthi ga ngoku, ngokubhekisele kwi-CBDC kunye ne-cryptocurncy, inkonzo nganye iqhuba i-AML ngokungqinelana nomgaqo-nkqubo wayo, umntu akufuneki abale enye ibhanki ekufikelelwa kuyo.
Abantu, kude ne-cryptomir, kubonakala ngathi ii-asethi zedijithali azinakungeniswa kwiinkqubo zeshishini zemveli. Kodwa akunjalo. Amava eqela lethu abonisa ukuba kubalulekile ukuba kuphuhliswe indlela eqhelekileyo yokuthobela, enye yemali yemveli kunye ne-grypt. Oku kuthintela ukuqalwa kwetyala kubo bonke abanini beempahla zedijithali. Nangona kunjalo, enyanisweni, uninzi lwabanini beeasethi zedijithali zisebenza kwicandelo lezomthetho kwaye musa ukwaphula umthetho.
Ngapha koko, namhlanje kukho izixhobo ezisebenzayo kwi-cryptofinance ukuchasana nemveliso yengeniso kunakwinkqubo yemveli. Umzekelo, iinkqubo ze-kyt (yazi intengiselwano yakho) Vumela ukuba ufumanise yonke imbali ye-cryptomones ethile-ukusuka kumzuzu wokudala ithokheni nangaphambi kokuba ungene kwi-wallet yomsebenzisi apho wathabatha inxaxheba khona.
Sebenza ngayo yonke imaliUmahluko phakathi kwemali "yakudala" kunye "ne" iNtsha "ingeyiyo yedwa, kodwa sele ibaluleke kakhulu kangangokuba akukho nto inokwenzeka ukuba ithethe ngokusetyenziswa kwendlela eyahlukileyo, nokuba ifuna kangakanani. Kungenxa yoko le nto umbuzo yindlela yokuqinisekisa ukungqinelana kweefomati zemali ezahlukileyo, ikakhulu namhlanje kwi-ajenda yeebhanki ezininzi kunye neenkonzo ze-fintech.
Singena kwixesha elitsha leseti yabemi bemali yabo bonke isicatshulwa kunye nobukhulu obuya kusebenza isiqwenga sabo sentengiso, bedibanisa zonke iintlobo zemali ye-elektroniki, i-CBDC kunye neentlobo ezahlukeneyo zeenkonzo. Umzekelo, amakhadi e-VISA sele ekhoyo, edibanisa i-fiat, i-inkpt, izinyithi ezixabisekileyo kunye nemali kwi-bitcoins.
Kwiimeko ezinjalo, xa iinkampani kwaye abantu banokukhetha phakathi kweentlobo ezininzi zemali / iimali / iinkqubo zokuhlawula, kuphela abo banokusebenza ngaxeshanye nazo zonke iindlela kunye neenkonzo ziya kuthiwa ilungelo lokubizwa ngokuba yibhanki yendalo iphela.
Uluvo lombhali lungangqinelani nesikhundla soshicilelo lwamaxesha ngamaxesha.