Amabhange aseCentral asatshiswa kakhulu ukusakazeka okusheshayo kwe-cryptocurrection yangasese, elungele ukusebenzisa imali yawo yedijithali. Ngasikhathi sinye, alikho inhloko yeCentral Bank eliqonda ngokugcwele, kungani izwe lidinga i-CBDC
Esikhundleni se-CBDC, udinga "imali" yedijithali
I-Economist, umcwaningi wesikole se-Copenhagen of Business, uLars Christensen uyaqiniseka ukuthi amabhange aphakathi namanje asazi ukuthi kungani adinga imali yedijithali (CBDC), okuyinto, okuzolingana nemali ejwayelekile yemali. Ubike lokhu ekhasini lakhe ku-Twitter, lapho aveza khona umbono wakhe ngokuningiliziwe.
Joyina isiteshi sethu se-Telegraph ukuze uqaphele izitayela eziphambili ze-Crypton.
Ngokusho kukaKristensen, amabhange aphakathi afuna ukufeza isidingo sabathengi semali ye-elekthronikhi. Ngesikhathi sokubhubhane, izinkokhelo ze-elekthronikhi zikhule kaningi, kepha akuzona wonke amabhange akulungele ukucubungula inani lokuthengiselana okunjalo. UKrististnsen ukholelwa ukuthi ukuxazulula le nkinga, imali edijithali yasebhange eliphakathi ayidingeki (CBDC). Kuphakamisa ukusebenzisa imali yedijithali (imali ye-CBD).
Isazi sihlongoza ukushintshela ohlelweni lokubala lwe-elekthronikhi olugcwele phakathi kwabasebenzisi namabhange. Kulokhu, zonke izakhamizi, usomabhizinisi noma inkampani kufanele abhalise i-wallet yayo ye-elekthronikhi lapho imali yasebhange izotholwa khona ngesikhathi sokudluliswa kwemali. Ngasikhathi sinye, amabhange akufanele akhokhise ikhomishini yokuhumusha noma kufanele kube zero. Abasebenzisi ngokwabo bangashintshana ngemali ye-elektroniki kwezinye imali noma basebenzise imali kuma-ATM.
UKrististnsen ukholelwa ukuthi ukukhishwa kwemali ye-elekthronikhi kumele kulawulwe, ngakho-ke singathatha inqubo yokukhiqiza ama-cryptocurrenrencies. Kepha inani lokuphuma lizonqunywa kuphela yibhange eliphakathi.
Indlela enjalo, ngokusho kwesazi, izovumela amabhange ukuthi athuthukise inqubomgomo yezimali yezifundazwe, futhi anciphise ukwehla kwamandla emali ngokunciphisa inani lemali yephepha in the imali.
Amabhange azophinde athole i-monopolily futhi
Isazi sezomnotho kanye nesazi-mlando uGeorge Selgin siyaqiniseka ukuthi ukusetshenziswa kwe-CBD Cash Mechanis kuzonikeza amabhange aphakathi nendawo okuphelele emakethe, kanye nokwethulwa kwama-wallet we-elekthronikhi kuzosiza izikhulu ukulawula imali, zivimbele ama-wallets abasebenzisi.
Okwamanje, akekho ochwepheshe noma ngokwabo abakaze baze ngombono ojwayelekile kwi-akhawunti ye-CBDC. Noma kunjalo, i-Central Bank isebenza ngenkuthalo ekuthuthukisweni kwemali yedijithali, kanti amanye amazwe asevele ehlolwe yi-CBDC.
Ngakho-ke, eJapan, sebevele baqalile ukuvivinya imali yabo yedijithali. Amanye amazwe afana neTurkey, eJalimane nabanye bayakha ngenkuthalo.
Umholi ongenamibandela kule nqubo uhlala eChina, esevele uqede ukuhlolwa kweDijithali Yuan. I-Russia isabheka i-CBDC futhi ayiphuthumi ngokwaziswa kwe-Ruble yedijithali.
Umnotho waseRussia uzoshintsha kanjani, uma i-CBDC idalwe futhi ikhishwe emakethe, ifundwe lapha.
Amabhange eposi asakuqondi ukuthi kungani edinga i-CBDC - avele kuqala ku-Beincrypto.