IMastercard yethule ipulatifomu yokuhlola imali eyi-blockchain yamabhange aphakathi

Eminyakeni yamuva, I-Mastercard Inc. ibisebenza ukuhlola ipulatifomu ye-blockchain incwadi esabalalisiwe ukuvumela amabhange aphakathi ukuthi ashintshe imali. Manje, inkampani enkulu yezinsizakalo zezezimali isethelwe ukuvula ipulatifomu yokuhlola imali yedijithali emaphakathi yaleyo njongo.

Ngesikhathi sokuthuthukiswa komqondo, i-Mastercard nayo wanikwa umsebenzi wokumema nokwenza ucwaningo oluvela kumabhange amakhulu kanye namabhange ezentengiselwano kanye nezinkampani ukuhlola ubulula bokusebenzisa lolu hlobo lwemali edijithali, ehambisana nemithetho yoMbuso.

Ngokuya ngeBank for International Settlements, Ama-80% wamabhange amakhulu ahlolwe asebenze ngandlela thile yomsebenzi wemali yedijithali webhange elikhulu, futhi cishe ama-40% amabhange aphakathi athuthukile kusuka ocwaningweni lomqondo kuya ekuhlolweni komqondo nokuklanywa.

Ngalokhu i-Mastercard icele abalingani ukuthi basebenzise ipulatifomu ukuhlola ukusebenza kwayo ukwakheka kobuchwepheshe kwe-CBDC ngokusebenzisa indawo yokuhlola ebonakalayo lapho kwenziwa ukulingiswa kokukhishwa, ukusatshalaliswa kanye nokushintshaniswa kwezimali, phakathi kwamabhange, abahlinzeki bezinsizakalo zezezimali futhi ikakhulukazi abathengi ukuqinisa futhi amacala okusetshenziswa nokuhlola ukusebenzisana nobufakazi obukhona bokukhokha kwamakhasimende namabhizinisi.

"Amabhange amakhulu asheshise ukuhlolwa kwawo kwezimali zedijithali ngezinhloso ezahlukahlukene, kusuka ekukhuthazeni ukufakwa kwezezimali kuze kube sesimeni sezinto zokukhokha zanamuhla," kusho uRaj Dhamodharan, iphini likamongameli omkhulu wezimpahla zedijithali kanye nemikhiqizo ye-blockchain nobambiswano eMastercard. "Le nkundla entsha isekela amabhange amakhulu njengoba ethatha izinqumo manje nasesikhathini esizayo mayelana nendlela eya phambili emnothweni wasekhaya nowesifunda."

Ngomqondo, i-CDBC yakhelwe ukuba ilingane nenani lemali yamaphepha esizwe futhi ingaphansi kweziqinisekiso ezifanayo ezixhaswe uhulumeni.

Ngaphezu kwemali yokuphrinta, amabhange aphakathi angakhipha i-CDBC njengesethulo sedijithali semali yezwe ye-fiat. Ngoba ingeyedijithali, hhayi into ebonakalayo, ayidingi ukuthunyelwa ngeloli, ngakho-ke ingahanjiswa nge-Intanethi.

"Ukusebenzisana phakathi kwemikhakha yomphakathi kanye nezizimele ekuhloleni imali yasebhange emaphakathi kungasiza amabhange amakhulu ukuba aqonde kangcono ububanzi bamakhono ezobuchwepheshe namandla akhona maqondana nama-CBDC," kusho uSheila Warren, uMqondisi vimba, izimpahla zedijithali nenqubomgomo yedatha e-World Economic Forum.

Kule nkundla yokuhlola ebonakalayo, ababambiqhaza bazokwazi ukufinyelela ezindaweni ezenziwe ngezifiso ngazinye Ukulingisa ukukhishwa, ukusatshalaliswa kanye nokushintshaniswa kwemvelo kwe-CDBC, namabhange nabathengi ukuthi i-CDBC ingasetshenziswa kanjani ukukhokhela izimpahla nezinsizakalo nge-Mastercard kusetshenziswa i-blockchain, hlola ukwakheka kobuchwepheshe obuhlukahlukene be-CDBC futhi usebenzise amacala bese unquma ukuthi ukubaluleka kokulinganisa nokuhlola imizamo yokuthuthuka kwe-CDBC endaweni yokuhlola.

"Amabhange amakhulu angahlomula ngokuxhaswa ukuthola izindlela ongazithola maqondana nama-CBDC, kanye nokuthola ukuqonda ngamathuba angavela," kusho uWarren.

Kushiwo ukuthi ipulatifomu ebonakalayo ingenziwa ngokwezifiso ngazinye ngemvelo lapho ibhange elikhulu lisebenza khona, okubavumela ukuthi:

• Lingisa ukukhishwa, ukusatshalaliswa kanye nokushintshaniswa kwemvelo kwe-CBDC namabhange nabathengi, kufaka phakathi ukuthi i-CBDC ingaxhumana kanjani namanethiwekhi akhokhelwayo akhona kanye nengqalasizinda, ngokwesibonelo, amakhadi nezinkokhelo ngesikhathi sangempela.
• Khombisa ukuthi umthengi angayisebenzisa kanjani i-CBDC ukukhokhela izimpahla nezinsizakalo noma kuphi emhlabeni lapho i-Mastercard yamukelwa khona.
• Hlola ukwakheka kobuchwepheshe obuhlukahlukene be-CBDC bese usebenzisa amacala ukuthola ngokushesha okukhulu ukubaluleka nokusebenza emakethe.
• Linganisa imizamo yokuthuthukiswa kwe-CBDC, kufaka phakathi ukwakhiwa kobuchwepheshe, ukuphepha, nokwakhiwa kwangaphambi kwesikhathi nokuhlolwa kokusebenza.

Umthombo: https://mastercardcontentexchange.com