{"id":6990,"date":"2021-03-21T23:12:00","date_gmt":"2021-03-21T20:12:00","guid":{"rendered":"https:\/\/alfacash.blog\/?p=6990"},"modified":"2024-02-19T21:52:03","modified_gmt":"2024-02-19T18:52:03","slug":"mit-cbdc-miert-minden-orszag-egyet-akar","status":"publish","type":"post","link":"https:\/\/alfacash.blog\/hu\/2021\/03\/21\/mit-cbdc-miert-minden-orszag-egyet-akar\/","title":{"rendered":"Mik azok a CBDC-k, \u00e9s mi\u00e9rt akar minden orsz\u00e1g egyet?"},"content":{"rendered":"

As you may know by now, Bitcoin and cryptocurrencies are the opposite of traditional money. Except isn\u2019t always like that. Several governments and centralized financial institutions worldwide are very interested in the technology behind cryptos. This is why they\u2019re researching or directly developing a thing CBDC-nek nevezt\u00e9k el: Central Bank Digital Currencies.<\/strong><\/p>\n\n\n\n

A Bank of International Settlements jelent\u00e9se szerintBIS, 2018<\/a>), this kind of asset is \u201ca central bank liability, denominated in an existing unit of account, which serves both as a medium of exchange and a store of value\u201d. In other words, they\u2019re very similar to kriptovalut\u00e1k<\/a>, but they\u2019re centralized and fully controlled by the issuer (the central bank).<\/p>\n\n\n\n

\"Lock-money-staking-crypto\"<\/figure><\/div>\n\n\n\n

Most, amint azt egy \u00fajabb jelent\u00e9sben le\u00edrt\u00e1k BIS (2020)<\/a>, A CBDC-knek k\u00f6vetni\u00fck kell n\u00e9h\u00e1ny alapelvet: <\/strong>\u201c(i) a central bank should not compromise monetary or financial stability by issuing a CBDC; (ii) a CBDC would need to coexist with and complement existing forms of money; and (iii) a CBDC should promote innovation and efficiency\u201d.<\/p>\n\n\n\n

So, again in other words, they\u2019re like stabil \u00e1llom\u00e1nyok<\/a> a k\u00f6zponti bankok \u00e1ltal kibocs\u00e1tott. A nemzeti valut\u00e1hoz k\u00f6t\u0151dn\u00e9nek, \u00e9s tartalmazn\u00e1k a p\u00e9nzmos\u00e1s elleni szab\u00e1lyokat \u00e9s az \u00f6sszes hat\u00f3s\u00e1gi ellen\u0151rz\u00e9st. \u00c9s egyel\u0151re a legt\u00f6bbj\u00fck csak elm\u00e9leti.<\/p>\n\n\n\n

Mi\u00e9rt a CBDC-k?<\/strong><\/h2>\n\n\n\n

A BIS \u00e1ltal v\u00e9gzett felm\u00e9r\u00e9s (2020) kimutatta, hogy vil\u00e1gszerte mintegy 801 TP1T k\u00f6zponti bank foglalkozik m\u00e1r a CBDC-k kutat\u00e1s\u00e1val vagy fejleszt\u00e9s\u00e9vel. Az ok egyszer\u0171: ez a fajta eszk\u00f6z hasznosabb lehet a fizet\u00e9shez, mint a hagyom\u00e1nyos p\u00e9nznem\u00fck (pl. k\u00e9szp\u00e9nz \u00e9s elektronikus \u00e1tutal\u00e1s).<\/p>\n\n\n\n

A BIS sz\u00e1m\u00e1ra a<\/strong> CBDC would provide continued access to central bank money, operational resilience, payments diversity, financial inclusion<\/strong>, k\u00f6nnyebb fisk\u00e1lis \u00e1tutal\u00e1sok, bizonyos szint\u0171 adatv\u00e9delem, \u00e9s tal\u00e1n a legfontosabb jellemz\u0151 a k\u00f6nnyebb hat\u00e1rokon \u00e1tny\u00fal\u00f3 fizet\u00e9s. Blockchain technol\u00f3gia<\/a> olcs\u00f3bb\u00e1 \u00e9s gyorsabb\u00e1 tehetn\u00e9 ezt a mostanra \u00f6sszetett elj\u00e1r\u00e1st.<\/p>\n\n\n\n

\"bitcoin-cryptos-n\u00f6veked\u00e9s-2020\"<\/figure><\/div>\n\n\n\n

Term\u00e9szetesen, \u00e1tutal\u00e1sok int\u00e9z\u00e9se<\/a> with Bitcoin and other cryptos is still an easier and faster alternative to the current traditional methods. So, the central banks are planning to take advantage of the cryptocurrencies’ benefits without what they consider to be its drawbacks. Or, basically, without decentralization and the same level of anonymity.<\/p>\n\n\n\n

CBDC kontra decentraliz\u00e1lt kriptovaluta<\/strong><\/h2>\n\n\n\n

The technical infrastructure for every CBDC is something rather pending-development in most cases. However, the great difference between CBDCs and decentralized cryptocurrencies lies in their philosophy.<\/p>\n\n\n\n

Bitcoin<\/a> \u00e9s a legt\u00f6bb kriptot cypherpunkok hozt\u00e1k l\u00e9tre, ami olyan aktivist\u00e1kat jelent, akik mag\u00e1n\u00e9let-jav\u00edt\u00f3 technol\u00f3gi\u00e1kat haszn\u00e1lnak a p\u00e9nz\u00fcgyi, t\u00e1rsadalmi \u00e9s politikai v\u00e1ltoz\u00e1sok el\u00e9r\u00e9s\u00e9hez. Bitcoin is, indeed, a way to recover the power of money from central institutions.<\/strong> It can\u2019t be controlled, censored, or limited in any way. This has been demonstrated by cases mint p\u00e9ld\u00e1ul Nig\u00e9ria.<\/a><\/p>\n\n\n\n

\"Nig\u00e9ria-top-crypto-felhaszn\u00e1l\u00f3k\"
Bitcoin was banned in Nigeria because it helped to fund the protesters. Image by Kaizenify \/ Wikimedia Commons<\/figcaption><\/figure><\/div>\n\n\n\n

Eric Hughes ezt a c\u00e9lt \u00edrja le a Cypherpunk\u2019s Manifesto<\/a>:<\/p>\n\n\n\n

\u201cPrivacy is necessary for an open society in the electronic age (…) We cannot expect governments, corporations, or other large, faceless organizations to grant us privacy out of their beneficence.\u00a0 It is to their advantage to speak of us, and we should expect that they will speak (…) We must defend our own privacy if we expect to have any. We must come together and create systems which allow anonymous transactions to take place.\u201d<\/p><\/blockquote>\n\n\n\n

M\u00e1sr\u00e9szt a CBDC-k \u00fagy tesznek, mintha ugyanazt a technol\u00f3gi\u00e1t haszn\u00e1ln\u00e1k a p\u00e9nz feletti ellen\u0151rz\u00e9s kialak\u00edt\u00e1s\u00e1ra \u00e9s a jelenlegi p\u00e9nz\u00fcgyi rendszer \u00e9rintetlens\u00e9g\u00e9nek meg\u0151rz\u00e9s\u00e9re. A felhaszn\u00e1l\u00e1si k\u00f6vetelm\u00e9nyek \u00e9s szab\u00e1lyok, a limit \u00f6sszegek, a hivatalos okm\u00e1nyokkal val\u00f3 k\u00f6telez\u0151 azonos\u00edt\u00e1s, s\u0151t a p\u00e9nz\u00fcgyi tev\u00e9kenys\u00e9gek tov\u00e1bbi fel\u00fcgyelete is elv\u00e1rhat\u00f3 ezekt\u0151l az \u00e9rm\u00e9kt\u0151l. Ide tartozik a cenz\u00fara \u00e9s a v\u00e9t\u00f3jog is.<\/p>\n\n\n\n

Mindazon\u00e1ltal, a CBDC-k f\u0151 vonzereje a folyamathoz hozz\u00e1adott bizalmi r\u00e9teg lenne.<\/strong> Ha valami balul s\u00fcl el, a jegybanknak el kell sz\u00e1molnia tettei\u00e9rt.<\/p>\n\n\n\n

A CBDC-k \u00fatt\u00f6r\u0151i<\/strong><\/h2>\n\n\n\n

Out of that 80% interested central banks, we can mention some pioneers ahead in the race. The first one it\u2019s probably a Baham\u00e1k homokdoll\u00e1rj\u00e1val<\/strong>, 2019 \u00f3ta fejleszt\u00e9s alatt<\/strong> L\u00e9trehoz\u00e1s\u00e1nak f\u0151 c\u00e9lja az volt, hogy a szigetcsoport legt\u00e1volabbi szigeteit bevonj\u00e1k a p\u00e9nz\u00fcgyi rendszerbe.<\/p>\n\n\n\n

Most, ahogy le\u00edrj\u00e1k a hivatalos weboldal<\/a>, \u201cSand Dollar allows greater flexibility and accessibility for residents that want to participate in financial services via either a mobile phone application (iOS and Android) or using a physical payment card to access a digital wallet.\u201d<\/p>\n\n\n\n

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In October 2020, The Bahamas leapfrogged into the digital vanguard with the launch of the world\u2019s first central bank digital currency\u2014the sand dollar. https:\/\/t.co\/lW8qGLm7Xs<\/a> pic.twitter.com\/lu7TKY4ZpJ<\/a><\/p>\u2014 IMF (@IMFNews) 2021. m\u00e1rcius 3<\/a><\/blockquote>