Cabanga nje ukuthi udinga izithunywa ezahlukahlukene ukuthumela izinhlobo ezahlukene zemiyalezo. Isibonelo, imilayezo yombhalo ingathunyelwa kuphela nge-WhatsApp, i-Audio - nge-Viber kuphela, ividiyo - kuphela nge-telegraph. Ungakhululekile, kwesokudla? Kepha lokhu kwenzeka kanjani uma kukhulunywa ngezezimali: Thumela kanye nemali ejwayelekile kagesi kwi-akhawunti yasebhange, ne-cryptocurrency ngokusebenzisa "iwindi elilodwa" akunakwenzeka. Manje le nkinga ithinta abantu abaningi, kepha lesi simo sizokhulisa ngokwethulwa kwezezimali ze-State Digital Currensenses (Central Bank Digital Currency, CBDC) eminyakeni embalwa ezayo. Udinga ukubheka isinqumo manje.
Hlanganisa imali ehlukileUhlelo lwezezimali lwendabuko alusakwazi ukunganaki ubuchwepheshe obusha: Ngokusho kweCambridge Center for Alternative Center, inani labasebenzisi be-cryptese likhule cishe kathathu: lisuka kubantu abayizigidi ezingama-35 liye ku-101 million abantu kwikota yesithathu 2020. Olunye ucwaningo luveze i ukukhuphuka kwesibalo sabanikazi be-cryptoacive ngo-78% uma kuqhathaniswa no-2019
Ukusebenza kwe-Crypt kuletha inzuzo enhle. Kwikota yesithathu ka-2020, i-PayPal yengeze umsebenzi wokuthenga we-bitcoine, futhi inani lokuthengiselana kwalo laqala ukukhula. Kwikota ye-IV, inkampani yandisa izinkokhelo ngo-36% kuya ku- $ 277 billion - enye yezinkomba ezinhle emlandweni wayo.
Ngakolunye uhlangothi, ngemuva kweminyaka emithathu kuya kwemihlanu, imali yedijithali ephethwe nguhulumeni izoba ngokoqobo kwansuku zonke. Futhi ngesingeniso sabo esibanzi, ingqalasizinda entsha ngokuphelele izodinga. I-China, yaqala ukwethulwa isikhalo (asikaze isandekile, kuhlelwa ngama-Olimpiki 2022) futhi manje ikhuthaza ngenkuthalo nge-Digital yuan (i-Dcep), ukusebenza kulo msebenzi: Sekusungulwe amabhange endawo ayisishiyagalombili Owakhe wallets we-elekthronikhi - ithuluzi eliyinhloko lokusebenza ne-DCEP.
AmaShayina Digital yuan usengukuphela kwesibonelo semali esebenza ngemali yedijithali yamabhange aphakathi, naphezu kweqiniso lokuthi ingaphezulu kwebhange eliphakathi nendawo eliphakathi emhlabeni wonke liphenya leli thuba. I-DCEP isuselwe ebukhwini be-blockchain elawulwayo, ebhange labantu laseChina lilawula ngokuphelele. Yilobu buchwepheshe obukuvumela ukuthi uthole ukulawula okugcwele kukho konke ukuthengiselana kwezezimali, uqinisekise ikheli lokusebenzisa imali emphakathini, wandise ukuqoqwa kwentela futhi uxwayise amasu wezezimali.
Futhi, uhlelo lokukhokha lwamazwe omhlaba lusanda kwethula umthetho ovumela ukusebenza ngokungaxhunyiwe ku-Digital Curniver Melika. Kwanele ukulanda uhlelo olukhethekile ocingweni, futhi ungakhokha noma wamukele inkokhelo, noma ngabe ayikho i-inthanethi. Kulokhu, amazwe edijithali, eqinisweni, esikhundleni semali, okungukuthi, inani lemisebenzi elawulwa yibhange eliphakathi lenyuka.
Inzuzo ehlukahlukene yemali isizobe isimfuneko esigunyaziwe sokusebenza kwezezimali. Amabhange kuzofanela enze abantu bangenza noma yikuphi ukusebenza ngeFiat, CBDC kanye ne-Crypt endaweni eyodwa - uhlelo lwebhange. I-Central Bank eningi, kufaka phakathi isiRussia, ungagcini ngokuqinile i-Bitcoin, ether njengezindlela zokukhokha, kepha amabhange awaboni isidingo esiphuthumayo. Kumakhasimende, lesi ngesinye sezindlela zokugcina zokusebenzisa i-Crypt: Izakhiwo zakho zokukhokha manje azifunwanga.
Kepha kukhona i-SNAG: amafomethi amasha awahambisani nalutho nabandulelayo. Ngaphezu kwalokho, isimo ngasinye sibheka ukwethulwa kwe-CBDC njengezobuchwepheshe obusebukhosini, okungukuthi, ngaphandle kwendinganiso efanayo namazwe angomakhelwane.
Okuvimbela ukuhlanganisa imali "yakudala" ne "entsha"I-CryptoCurencies ne-CBDC muva nje kwavela, ngakho-ke kunokungaqiniseki okuningi okubazungezile. Ngasikhathi sinye, imali edijithali nemali edijithali inemisebenzi evamile, ngendlela nekhwalithi yokusetshenziswa kwayo ukudalwa kwekhambi lezezimali yefomethi yefomethi incike.
Amabhange aphakathi amemezela ukuthi ngaphakathi kwezwe izimali zawo zedijithali zizohlanganiswa nomthungo ngezindlela zazo. Kepha kubaluleke kakhulu ukuthi izimali zedijithali zamazwe ahlukene ziyahambelana futhi ziphakathi kwazo. I-CBDC izothintana emihlanganweni ehlukahlukene enemithetho ehlukene, ngakho-ke imibuzo izovela nakanjani. Isibonelo, kuzokwenzeka ukuthenga i-cryptocurrency ezweni lapho kuvinjelwe khona ukuguqula imali ibe yimali yedijithali yesimo lapho i-Crypt isemthethweni?
Ukuthobela kubaluleke kakhulu ekwakheni isixazululo sefomethi ehlukahlukene. Ngaphandle kwendlela eyodwa, akukude nokuhamba. Kuze kube manje, maqondana ne-CBDC ne-Cryptocurrency, insizakalo ngayinye yenza amasheke e-AML ngokuya ngenqubomgomo yawo, umuntu akufanele abala ukuthi elinye ibhange lifika likuqinisekise.
Abantu, kude neCryPormoprir, kubonakala sengathi izimpahla zedijithali azikwazi ukungena ezinqubweni zebhizinisi lendabuko. Kepha akunjalo. Isipiliyoni sethimba lethu sikhombisa ukuthi kuyadingeka ukuthuthukisa indlela ejwayelekile yokuhambisana, eyodwa yemali yendabuko kanye ne-crypt. Lokhu kuvimbela ukucabanga kwecala kubo bonke abanikazi bezimpahla zedijithali. Kodwa-ke, eqinisweni, iningi labanikazi bezimpahla zedijithali abasebenza emkhakheni osemthethweni futhi awephuli umthetho.
Ngaphezu kwalokho, namuhla kunamathuluzi aphumelelayo asebenza kakhulu ku-CryptoFinance ukubhekana nomthetho wemali engenayo kunohlelo lwendabuko. Isibonelo, izinqubo ze-KYT (Yazi ukuthengiselana kwakho) kukuvumela ukuthi uthole wonke umlando wama-cryposon athile - kusukela ngesikhathi sokwenza ithokheni naphambi kokuba ungene ku-wallet yomsebenzisi, kufaka phakathi umsebenzi ngamunye ahlanganyela kuwo.
Sebenza nayo yonke imaliUmehluko phakathi kwemali "yakudala" ne "entsha" akuyona ukuphela, kepha usuvele ubaluleke kangako ukuthi ngeke kwenzeke ukuthi ukhulume ngokusetshenziswa komthungo kwamafomethi ahlukile, noma ngabe ufuna okungakanani. Kungakho umbuzo ukuthi ungaqinisekisa kanjani ukuhambisana kwezindlela ezahlukahlukene zemali, kukhulu kakhulu namuhla ku-ajenda yamabhange amaningi nezinsizakalo ze-Fintech.
Singena esikhathini esisha seqoqo labameli bezimali lawo wonke amathekisthi nosayizi abazosebenzisa ucezu lwabo lwemakethe, behlanganisa zonke izinhlobo zemali ye-elekthronikhi, i-CBDC kanye ne-cryptocursency ngezinhlobonhlobo zezinsizakalo. Isibonelo, amakhadi we-visa asevele etholakala, ahlanganisa i-fiat, crypt, izinsimbi eziyigugu kanye nokubuyiselwa kwemali eBitcoins.
Ezimweni ezinjalo, lapho izinkampani nabantu bangazikhetha phakathi kwezinhlobo eziningi zemali / zemali / amasistimu wokukhokha, yilabo kuphela abangasebenza ngasikhathi sinye nazo zonke amafomethi nezinsizakalo bazobizwa ngokuthi ilungelo lokubizwa ngebhange lendawo yonke.
Umbono womlobi kungenzeka angahambisani nesikhundla se-vetimes Edition.