David Edward
Ndalama za digito zomwe zimapangidwa ndikuyendetsedwa ndi banki yayikulu ya dziko zimadziwika kuti Central Bank Digital Currencies (CBDCs). Ngakhale amagawana makhalidwe ena ndi ma cryptocurrencies monga Bitcoin, kusiyana kwakukulu ndikuti mtengo wawo umakhazikika ndikuwongoleredwa ndi banki yapakati, kuwonetsera ndalama za dziko.
Ndi kuchuluka kwa mayiko omwe akutukuka kapena akugwiritsa ntchito ma CBDC, ndikofunikira kuti timvetsetse zomwe iwo ali komanso momwe angakhudzire miyoyo yathu ndi anthu onse.
Kodi ndalama za Digito ku Central Bank ndi chiyani?
CBDC kwenikweni ndi mtundu wa digito wandalama zadziko, zoyendetsedwa ndi banki yake yayikulu. Mosiyana ndi ndalama zakuthupi, zimakhala ngati manambala pamakompyuta kapena zida zina zamagetsi.
Pankhani ya UK, Bank of England ikugwira ntchito limodzi ndi HM Treasury kuti ifufuze kuthekera koyambitsa Ndalama ya Digital Bank yapakati. Ngati ipeza kuwala kobiriwira, ndalama zatsopanozi zimatchedwa "digital pound."
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Kodi CBDC imasiyana bwanji ndi cryptocurrency?
Mwinamwake mwamvapo za Bitcoin, Ether, ndi ADA - izi ndi zomwe timatcha cryptoassets kapena cryptocurrencies, ndipo zimaperekedwa mwachinsinsi chuma cha digito. Komabe, ndizosiyana kwambiri ndi Central Bank Digital Currencies (CBDCs) m'njira zina zazikulu.
Choyamba, ma cryptocurrencies amapangidwa ndi mabungwe apadera, osati ndi boma kapena banki yayikulu. Chifukwa chake, ngati china chake chikupita kumwera ndi cryptocurrency, palibe ulamuliro wapamwamba ngati banki yapakati kuti alowererepo kapena kukonza nkhaniyi.
Kachiwiri, ma cryptocurrencies amadziwika chifukwa cha kusakhazikika kwamitengo. Mtengo wawo ukhoza kukwera kapena kutsika mumphindi zochepa, zomwe zimawapangitsa kukhala odalirika pazochitika za tsiku ndi tsiku. Kumbali ina, ngati UK ikadayambitsa pounds ya digito, mtengo wake udzakhala wosasunthika ndikuwongolera pakapita nthawi, ndikupangitsa kukhala chisankho chothandiza kwambiri pamalipiro.
Ubwino wa CBDCs
Ma Advocates a Central Bank Digital Currencies (CBDCs) amavomereza kuti ndalama za digitozi zitha kusintha njira zolipirira dziko pochepetsa mtengo, kukulitsa kuwonekera, komanso kupititsa patsogolo ntchito zake. Athanso kukhala osintha kwambiri pakukweza kuphatikizidwa kwazachuma, makamaka kumadera ena padziko lapansi kumene mabanki achikale amakhala ochepa kapena osadalirika.
Kuchokera kumalingaliro a mabanki apakati, CBDCs imapereka njira zatsopano zoyendetsera ndalama. Zitha kugwiritsidwa ntchito poyambitsa chuma chaulesi kapena kuwongolera kukwera kwa inflation. Kwa wogwiritsa ntchito wamba, zopindulitsa zingaphatikizepo chindapusa chochepa kapena chosakhalapo pakusamutsa ndalama pompopompo. Kuphatikiza apo, maboma amatha kugawa mwachangu ndikutsata bwino ndalama zolimbikitsira zachuma, ndikuzitumiza mwachindunji m'matumba a digito a nzika.
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Zoyipa za CBDCs
Ngakhale pali chisangalalo chochuluka chozungulira kuthekera kwa Central Bank Digital Currencies (CBDCs), palinso zovuta zina zofunika kuziganizira. Chodetsa nkhawa chimodzi ndi chakuti ndalama za digito zimatsatiridwa mosavuta, zomwe zikutanthauza kuti zimakhalanso zokhoma msonkho.
Kuphatikiza apo, ena amakayikira ngati bizinesi ya CBDCs ndi yolimba mokwanira kuti iwonetsere khama ndi ndalama. Kupanga maziko a ndalama za digito kungafune zambiri kuchokera ku mabanki apakati kuposa momwe phindu lingavomerezere. Kuphatikiza apo, kusintha komwe kukuyembekezeredwa pakuthamanga kwamalonda sikungachitike; mayiko angapo otukuka akhazikitsa kale machitidwe olipira pompopompo popanda kudalira luso la blockchain. M'malo mwake, mabanki ena apakati, kuphatikiza omwe ali ku Canada ndi Singapore, atsimikiza kuti, pakadali pano, nkhani yosinthira ndalama zadijito sizovuta kwambiri.
Chodzikanira:
Blog iyi ndi yophunzitsa kokha. Zomwe timapereka siupangiri wandalama. Chonde nthawi zonse muzifufuza nokha musanayike ndalama. Malingaliro aliwonse omwe afotokozedwa m'nkhaniyi siupangiri woti cryptocurrency (kapena cryptocurrency token / asset/index), cryptocurrency portfolio, transaction, kapena investment strategy ndiyoyenera munthu aliyense.
Osayiwala kujowina wathu Telegraph Channel kwa Airdrops ndi Zosintha zaposachedwa.
