I-Mastercard isungule iqonga lokuvavanywa kwemali ye-blockchain ebonakalayo kwiibhanki eziphambili

Kwiminyaka yakutshanje, I-Mastercard Inc. isebenze ekuvavanyeni iqonga le-blockchain incwadi eyabiwayo ukuvumela iibhanki ezingoovimba ukuba zitshintshe imali. Ngoku, i-giant yeenkonzo zezemali imiselwe ukusungula iqonga lokuvavanya imali yedijithali yebhanki ephakathi kuloo njongo.

Ngexesha lophuhliso lombono, i-Mastercard nayo uthabathe umsebenzi wokumema nokwenza uhlalutyo oluvela kwiibhanki ezingoovimba kunye neebhanki zorhwebo kunye neenkampani ukuvavanya ukusebenziseka kolu hlobo lwemali yedijithali, ehambelana nemimiselo kaRhulumente.

Ngokutsho kweBhanki yokuHlaliswa kwamazwe ngamazwe, I-80% yeebhanki eziphambili eziphandwayo ziye zabandakanyeka kuhlobo oluthile lomsebenzi wemali yedijithali yeBhanki enguvimba, kwaye malunga ne-40% yeebhanki ezingoovimba ziqhubele phambili ukusuka kuphando lwengqiqo ukuya kuvavanyo lwengqikelelo kunye noyilo.

Ngale nto, i-Mastercard icele amaqabane ukuba asebenzise iqonga ukuvavanya ukusebenza Uyilo lwetekhnoloji ye-CBDCs ngendawo yovavanyo lwenyani apho ukulinganisa ukukhutshwa, ukuhanjiswa kunye notshintshiselwano lwemali lwenziwa, phakathi kweebhanki, ababoneleli ngenkonzo yezemali kwaye, ngaphezu kwakho konke, abathengi ukuba baqinisekise iimeko zokusetyenziswa kunye nokuvavanya ukusebenzisana kunye nezinto ezikhoyo. iimvavanyo zentlawulo kubathengi kunye neenkampani.

"Iibhanki eziphambili ziye zakhawulezisa ukuhlola iimali zedijithali kunye neenjongo ezahlukeneyo, ukusuka ekukhuthazeni ukubandakanywa kwemali ukuya ekuphuculeni inkqubo yeentlawulo," kusho uRaj Dhamodharan, umongameli oyintloko we-asethi yedijithali kunye neemveliso ze-blockchain kunye nentsebenziswano kwi-Mastercard. "Eli qonga litsha lixhasa iibhanki ezingoovimba njengoko zithatha izigqibo ngoku nakwixesha elizayo malunga nendlela eya phambili kuqoqosho lwasekhaya nolwengingqi."

Ngokombono, i-CDBC iyilelwe ukuba ilingane ngexabiso nemali yephepha yesizwe kwaye ixhomekeke kwiziqinisekiso ezifanayo ezixhaswa ngurhulumente.

Ukongeza kwimali yokushicilela, iibhanki ezingoovimba zinokukhupha ii-CDBCs njengophawu lwedijithali lwemali yelizwe. Ngenxa yokuba yedijithali, kunokuba ibe yinto ebonakalayo, akufuneki ukuba ithunyelwe ngelori, ngoko inokuhanjiswa kwi-Intanethi.

"Ukubambisana phakathi kwamacandelo karhulumente kunye nabucala ekuhloleni imali yedijithali yebhanki ephakathi kunokunceda iibhanki eziphambili ziqonde ngcono uluhlu olunokwenzeka kunye nobuchule bezobuchwepheshe obukhoyo ngokubhekiselele kwi-CBDCs," kusho uSheila Warren, umlawuli weBlockchain, i-asethi yedijithali kunye nomgaqo-nkqubo wedatha kwihlabathi. IForam yezoQoqosho.

Kweli qonga lovavanyo lwenyani, Abathathi-nxaxheba baya kukwazi ukufikelela kwiindawo ezilungiselelwe umntu ngamnye ukulinganisa ukukhutshwa kwe-CDBC, ukuhanjiswa kunye nokutshintshiselana ngendalo, kunye neebhanki kunye nabathengi bendlela i-CDBC enokusetyenziswa ngayo ukuhlawulela iimpahla kunye neenkonzo nge-Mastercard usebenzisa i-blockchain, ukuvavanya i-CDBC yoyilo lobugcisa kunye namatyala okusebenzisa kunye nokumisela ixabiso lokwenzeka kunye nokuvavanya i-CDBC iinzame zophuhliso kwindawo yovavanyo.

"Iibhanki eziphambili zinokuzuza kwinkxaso ekuhloleni iinketho ezikhoyo kubo ngokubhekiselele kwi-CBDCs, kunye nokufumana ingqiqo kumathuba anokuthi avele," kusho uWarren.

Kukhankanyiwe ukuba iqonga lenyani linokwenziwa ngokwezifiso kwindawo esebenza kuyo ibhanki enguvimba, ebavumela ukuba:

• Ukulinganisa ukukhutshwa kwe-CBDC, ukuhanjiswa kunye nokutshintshiselana kwe-ecosystem kunye neebhanki kunye nabathengi, kubandakanywa nendlela i-CBDC inokusebenzisana ngayo kunye neenethiwekhi zokuhlawula ezikhoyo kunye neziseko, umzekelo, amakhadi kunye neentlawulo zexesha langempela.
• Bonisa indlela umthengi angasebenzisa ngayo i-CBDC ukuhlawulela iimpahla kunye neenkonzo naphi na emhlabeni apho i-Mastercard yamkelwe khona.
• Phonononga uyilo lwetekhnoloji ye-CBDC eyahlukeneyo kwaye usebenzise iimeko ukufumanisa ngokukhawuleza ixabiso kunye nokusebenza kwimarike.
• Vavanya iinzame zophuhliso lwe-CBDC, kubandakanywa ukwakhiwa kobugcisa, ukhuseleko, kunye novavanyo lwangethuba loyilo kunye nokusebenza.

Umthombo: https://mastercardcontentexchange.com