Dala na dijital: keɓaɓɓe na Amurka don haɓaka tattalin arziki ta fuskar Covid-19

Saboda matsalar wannan a halin yanzu ana fuskantar shi kafin matsalar da ke haifar da yaduwar kwayar cutar corona (COVID-19), an kiyasta cewa tabbas yana da tasiri sosai.

Kafin wannan a Amurka yan Democrat kawai suka gabatar lissafin kuɗi don halittar hanyar biyan kudi a matsayin taimako da kariyar kuɗi da aka keɓe ga masu amfani da Amurka, jihohi, kasuwanci da mawuyacin halin jama'a a yayin wannan babbar matsalar ta kiwon lafiya, dangane da yanayin gaggawa.

Wannan lokacin a cikin tsarin tattalin arziki da kudi an ba da koren haske ga ƙirƙirar 'dijital dala'. A zahiri, wannan yunƙurin lallai zai dagula tattalin arzikin Amurka (da kuma tattalin arzikin duniya babu makawa), amma kuma zai sami sakamako mai yawa a duniyar kuɗin dijital.

A cikin wannan lissafin, da "Dollar dala" an fassara ta azaman "ɗayan darajar lantarki", "Daidaitawar da aka bayyana a ƙimar kuɗi da aka shigar da kayan aikin dijital" wanda Babban Asusun Tarayyar Amurka zai tallafawa.

Yana nuna yadda Amurka zata iya yanke hukunci don daidaita wani abu wanda zai iya shafar masana'antar cryptocurrency da toshewar masana'antu. Muna mamakin martanin manyan masu ruwa da tsaki, gami da waɗanda ba da daɗewa ba suka nuna sha'awar ƙirƙirar abin da ake kira cryptocurrency, kamar Facebook, wanda ya fara aiki don yaɗa kuɗin sa na yau da kullun, Libra.

Gaskiya ne cewa wannan bangare ne na shirin gaggawa don tallafawa mutane da kudi a cikin rauni na tattalin arziki a cikin wannan mawuyacin lokaci saboda cutar coronavirus.

Amma girman wannan kirkirar ya wuce wannan tsarin, domin shima "tsinkaye" ne ga farfadowar tattalin arzikin Amurka a yanzu da ke cikin koma bayan tattalin arziki saboda matsalar lafiya.

Saboda haka hadewar kamfanoni a matsayin kamfanoni suma suna cin gajiyar wannan shirin farfadowa. Ya kamata kuma a ce haka nau'ine na hanzartawa don faɗaɗa samun dama ga ayyukan banki Ga citizensan Amurka waɗanda har yanzu ba a sanya banki ba (wanda aka kiyasta kusan mutane miliyan 63): Ofishin gidan waya na Amurka zai ba su asusun dala na dijital.

Zai iya zama abu mai kyau don kuɗin dijital ta hanyar kawo ɗaruruwan miliyoyin Amurkawa cikin duniya na abubuwan da ake kira cryptocurrencies, musamman tunda zai haɗa da dubunnan daloli wanda kuma daga nan Tarayyar za ta yi musu allura.

Har ila yau, idan wannan matsalar lafiyar ta dade fiye da yadda ake tsammani, zamu iya tsammanin faduwar dala, wanda zai haifar da juyawa zuwa abubuwan banƙyama don ƙoƙarin kariya daga wannan ƙimar.

Ala kulli halin, wannan matsalar ta gaggawa ta lafiya na iya zama wata hanya ce ga wasu membobin Majalisar don sake yin muhawara game da ƙirar tsarin cryptocurrency na jiha.

Ya kamata a tuna cewa, a cikin watan Satumba na 2019, sanatoci biyu sun riga sun ambaci sha'awar cewa ƙasar ba ta ci gaba da kasancewa mai kallo ba yayin da ake ƙaruwa da kuɗaɗen dijital don kada wasu su zarce su a wannan yanki, suna faɗi mafi mahimmanci CBDC (kuɗin dijital na babban bankin) Sinanci.

Saboda haka, kudurin ya samu karbuwa kwarai daga manyan mutane, kamar Daniel Gorfine na Fintech Gattaca Horizons kuma wanda ya kafa aikin Digital Dollar Project, wanda ke maraba da wannan yunƙurin, kamar yadda tura kayan haɗin keɓaɓɓu ta wannan hanyar zai buƙaci lokaci mai yawa, musamman a cikin tunani da tattaunawa tsakanin gwamnati da masu zaman kansu masu ruwa da tsaki na bangaren.

Carmelle Cadet na EMTECH ya kuma ba da shawarar cewa yin amfani da cak a matsayin hanyar biyan kuɗi maimakon dala ta dijital zai haifar da kashe kuɗi kusan dala biliyan 100 don kwadaitarwa da ya kamata magidanta masu ƙananan kuɗi su kashe. A gaskiya, kowane Ba'amurke mai cin gajiyar zai iya karɓar tallafi har $ 2,000 kowane wata har rikicin coronavirus ya ƙare.

Amma su wanene waɗannan "cancantar mutanen" su ne cewa za su yi amfani da sabon dala da walat, fasalin da ya gabata na daftarin ya ce ba komai bane face "duk wani baƙo wanda ba mazauni ba"A takaice dai, qualifiedan Amurka da suka cancanta ne da mazaunan dindindin na doka da kuma kamfanonin da ke Amurka za su karɓi biyan gaggawa na wata-wata cikin daloli na dijital.