✨ Isifinyezo se-AI
- Ku-blog post, umbhali uxoxa ngokukhula kobuchwepheshe be-blockchain kanye ne-cryptocurrencies, njenge-Bitcoin ne-Ethereum, phakathi kwabatshalizimali.
- Baqokomisa umehluko phakathi kwezimali zedijithali kanye nezimali zedijithali zebhange eliphakathi (ama-CBDC), begcizelela ukuthi izimali zedijithali ziyimpahla yedijithali ehlukaniswe ngokwe-blockchain, esetshenziselwa ukuhweba nokugcina inani, kuyilapho ama-CBDC eyizimali zedijithali ezilawulwa nguhulumeni ezikhishwa amabhange aphakathi.
- Lesi sihloko sihlola umehluko ekukhiqizweni kwenani, ubunikazi, ukufinyeleleka, ukudalwa, ukuhlaziywa kokubikezela, ukulawula ukukhishwa, inhloso yokuba nebhizinisi, kanye nokungaziwa ekuthengeni nasekuthengiseni phakathi kwama-cryptocurrencies nama-CBDC.
- Kuphetha ngokuthi zombili izinhlobo zemali zedijithali zizoqhubeka ziphila ndawonye, zinikeza amathuba ayingqayizivele kubatshalizimali.
- Lesi sihloko siphinde sikhulume ngo-Antier njengomhlinzeki wesevisi wokuthuthukiswa kwamathokheni e-ERC20 kanye nezixazululo ze-CBDC, enikeza izinsizakalo ezahlukahlukene zokuthuthukiswa kanye nobuchwepheshe kulo mkhakha.
I-Blockchain kanye ne-cryptocurrency zizuze igama elikhulu phakathi kwabatshalizimali abasha ezikhathini zamuva nje. Ukuthuthukiswa kwe-Bitcoin kanye ne-Ethereum coin kuthole ukuthandwa okukhulu kanye nokwamukelwa, okusobala ngobukhulu bemakethe yabo obuma kuzigidigidi zamaRandi aseMelika. Nsuku zonke sithola ukushintshaniswa okusha, izinhlamvu zemali, kanye nabatshalizimali abangena emakethe ye-crypto.
Kubalulekile futhi ukuvuma ukuthandwa okwandayo kwama-CBDC - Izimali Zedijithali Zebhange Elikhulu. Nakuba abasebenzisi abaningi bedidekile phakathi kwalokhu kokubili, kubalulekile ukucacisa umehluko.
Izinhlamvu zemali ze-Crypto ziza ngohlobo lwemali yedijithali futhi zisetshenziswa kakhulu ukuhweba, ukubamba, nokugcina inani langaphakathi kanye nokushintshaniswa njengohlobo lwemali. Zisekelwe kubuchwepheshe be-blockchain futhi azilawulwa uhulumeni. Basebenzisa amaleja edijithali ukubhalisa ukuthengiselana okwakhiwa phezu kwe-cryptography. Ngakho-ke, noma nini lapho othile ekhuluma ngokuthuthukiswa kwamathokheni e-ERC20, usuke esho i-cryptocurrency.
Ngakolunye uhlangothi, i-CBDC noma i-Central Bank Digital Currency ilawulwa yibhange eliphakathi nanoma iyiphi i-ejensi yombuso. Izinqubomgomo, imithetho, kanye nengqalasizinda eyisisekelo yokuhweba e-CBDC konke kungaphansi kokulawulwa kukahulumeni wobumbano.
Umthombo weValue Generation
Ama-Cryptocurrencies anemvelo ehlukile kune-CBDCs, lapho esinye sezici ezinkulu ezihlukanisayo kuwumthombo wemali osakazwayo. Ngokuyisisekelo, izimali zedijithali ezikhishwe amabhange amakhulu ziyizinhlobo zemali yangasese ekhishwa ngaphansi kwemithetho nemithethonqubo eqinile.
I-Stablecoins ekhonjwe emalini evumelanayo efana ne-USD ngokomuntu ngamunye nayo ilungile kuma-cryptocurrencies. Kunalokho, inkampani ezimele noma inkampane ikhipha ama-stablecoins namanye ama-cryptocurrencies esikhundleni se-ejensi kahulumeni. Lapho uqhathanisa ama-cryptocurrensets nezimali zedijithali zebhange elimaphakathi, ama-CBDC asuselwa ku-blockchain anesandla esiphezulu.
Le nkundla enemisebenzi eminingi ye-CBDCs ivumela ukuthi imisebenzi yokukhishwa kwemali ye-fiat ihlanganiswe nobuchwepheshe be-blockchain. Ama-CBDC ayisithuthukisi kunezinye izindlela zamanje ze-fiat, empeleni. I-Cryptocurrencies njenge-Stablecoin, ngakolunye uhlangothi, iwuhlobo lwemali ekhishwe ngasese.
Ubunikazi nokufinyeleleka
Izinhlamvu zemali ze-Crypto zisatshalaliswa kunethiwekhi ehlukanisiwe futhi ziyatholakala ukushintshanisa, ukubamba, nokugcina amanani. Ama-CBDC akhishwa amabhange kaHulumeni futhi asatshalaliswa kunethiwekhi elawulwayo. Zifinyeleleka kubasebenzisi abanqunyelwe futhi zenzelwe imisebenzi yemali evamile noma imisebenzi ethile.
Kwesinye isikhathi lawa ma-CBDC asetshenziswa amabhange ombuso ukwenza umsebenzi wokuthuthukisa, asekele amaqembu omphakathi akhethekile, futhi alethe ukubusa okungcono ngezindlela zedijithali. Aziguquguquki futhi zisetshenziswa ekuthengiseni okuthile.
Inani Lezimpahla Zedijithali
Siyazi ukuthi izinhlamvu zemali ze-Crypto ziyaqagela ngokwemvelo futhi zingakhuphuka noma zinciphe ngenxa yokuguquguquka kwemakethe. Ama-CBDC ahlala egcina inani langaphakathi futhi awaguquguquki njalo. Ukunyakaza kwabo kuncike enanini likahulumeni lomgcinimafa kanye namanani emali ye-fiat.
Thola Idemo Yamahhala Yokuthuthukisa Ithokheni Yakho Ye-ERC20
Ukudalwa Kwemali Yedijithali
Nge-cryptocurrency, abasebenzisi bakha imali yedijithali ngokusekelwe ku-algorithm eyakhiwe ngokuvumelana futhi esekelwe kumgomo wesistimu yezomnotho yentando yeningi. I-Cryptocurrency ithuthukiswa endaweni yenkundla lapho ilungu ngalinye liba nokulingana namanye ngokwemibandela yegunya. Ama-CBDC athuthukiswa ngomgomo wemali ebekwe endaweni eyodwa, elawulwayo, nelawulwayo ephethwe yinhlangano emaphakathi njengebhange lombuso.
Isisekelo sokuhlaziya okuqagelayo
Inani lohlamvu lwemali ye-crypto lingashintshashintsha ngokusekelwe ezicini ezihlukahlukene ezihlanganisa isidingo nokunikezwa, ukuthenga nokudayiswa okucatshangelwayo, nezinye izizathu. Isibonelo, ekuqaleni kuka-2021, i-tweet ka-Elon Musk yaholela ekuguquguqukeni okukhulu kwenani le-Dogecoin. Kamuva lapho ecacisa ukuthi kwakuyihlaya, amanani ehla. Kudinga ama-Bots athuthuke kakhulu nesoftware ukubikezela futhi uthathe noma uthengise izenzo nge-cryptocurrency
Ama-CBDC asekelwe kumgcinimafa kahulumeni kanye nenani lemali ye-fiat ezimakethe zokuhwebelana kwamanye amazwe. Izinqubomgomo zikahulumeni, Ukutshalwa kwezimali kwamanye amazwe, kanye nokukhula kwe-GDP kungase kusebenze phezu kwama-CBDC kodwa awaguquguquki ngokuguquguquka okukhulu. Kulula ukuzibikezela futhi zizinzile uma ziqhathaniswa nezinhlamvu zemali ze-crypto.
Ukulawula Ukukhishwa
I-Cryptocurrencies ikhishwa ngenani elilinganiselwe futhi incike kubasebenzisi bayo. Ama-CBDC akhiwe yibhange eliphakathi ngokwesisekelo sesidingo salo kanye nohlaka lokulawula. Nakuba ibhange eliphakathi nalo ligcina ithebhu mayelana nokukhishwa kwe-CBDCs, lihlala likhululekile ukukhipha imali eyengeziwe ekufikeni kwemicimbi ethile.
Inhloso Yokuba Nempahla
Izinhlamvu zemali ze-Crypto zihlala zishisa ngokufunwa ngenxa yomphumela wokungatholakali kalula nethemba lokukhula okukhulayo esikhathini esizayo. Njengoba sekushiwo, ukuthuthukiswa kohlamvu lwemali lwe-Ethereum kwaba ukufutheka endabeni yeminyaka embalwa, ngaleyo ndlela kubhebhezela ukutholwa kwe-blockchain kuyo yonke imikhakha. Abatshalizimali basebenzisa isoftware kanye nokuhwebelana kwe-crypto ukwenza izinqumo zokuthenga nokuthengisa ngokushesha. Bathanda ukutshala imali ngenhloso yokwazisa ngezimali. Ku-CBDCs, asikho isisusa sokuqongelela imali njengoba ibona ukuguquguquka okuncane kakhulu phakathi neminyaka futhi akukho phuzu lokuyisebenzisa njengesixazululo sokutshala izimali.
Ukungaziwa ekuthengeni nasekuthengiseni
Ukuthenga nokuthengisa izinhlamvu zemali ze-crypto kwenziwa ngaphandle kokudalula ubunikazi bangempela bomtshali-zimali. Kodwa-ke, endabeni ye-CBDCs, ubunikazi bomthengi noma umdayisi buvulekile ngoba ibhange eliphakathi lilawula konke okwenziwayo kunethiwekhi yayo.
Isiphetho
Ama-CBDC nama-cryptocurrencies ayaqhudelana. Akusho ukuphela kwanoma iyiphi enye yazo. Umhlaba uzophinde wamukele izimali zedijithali futhi lokho kusho ukuthi kunethuba elilinganayo lazo zombili izinhlobo zemali.
Uma ufuna ukuthuthukiswa kwamathokheni e-ERC20 noma ukuthuthukiswa kwe-CBDC, i-Antier ingakusiza ngakho kokubili. Sinikeza izixazululo eziningi zokuthuthukiswa kwamathokheni – kusukela ekucabangeni nasekuklanyweni kwamathokheni kuya ekuthuthukisweni, ekusetshenzisweni nasekuqalisweni. Siphinde sinikeze izinsizakalo zokudala amaphepha amhlophe ukukusiza ukuthi udlulisele umbono wakho kubabukeli bakho abaqondiwe. Ochwepheshe bethu bezezimali kanye nobuchwepheshe ndawonye baletha ikhambi elihambisana nezidingo zakho – kungaba uhlamvu lwemali/ithokheni ye-crypto noma i-CBDC.
Hlela idemo yamahhala yokukodwa kweminikelo yethu noma uxhumane nochwepheshe bezihloko zethu ukuze wabelane ngezidingo zebhizinisi lakho.
imibuzo ejwayelekile ukubuzwa
01. Ziyini izimali ze-crypto futhi zihluke kanjani kuma-CBDC?
Izimali ze-Crypto ziyizimali zedijithali ezisekelwe kubuchwepheshe be-blockchain, ezisetshenziselwa ukuhweba nokugcina inani, futhi azilawulwa nguhulumeni. Ngokuphambene nalokho, Izimali Zedijithali Zebhange Eliphakathi (ama-CBDC) zikhishwa futhi zilawulwa amabhange aphakathi, zilandela imithetho nemigomo eqinile.
02. Ama-stablecoins ahlobene kanjani nama-cryptocurrencies nama-CBDC?
Ama-Stablecoins awuhlobo lwe-cryptocurrency oluxhunywe kwizimali ze-fiat njenge-USD, ezikhishwa yizinhlangano ezizimele hhayi izinhlangano zikahulumeni. Anikeza inani elizinzile uma kuqhathaniswa nezimali ze-crypto zendabuko, kuyilapho ama-CBDC eyizimali zedijithali ezikhishwa nguhulumeni.
03. Uyini umehluko omkhulu wobunikazi kanye nokufinyeleleka phakathi kwe-cryptocurrencies kanye ne-CBDCs?
Izimali ze-Cryptocurrencies zisebenza kunethiwekhi ehlukaniswe ngokwezigaba, okuvumela ukufinyelela okubanzi kokuhweba nokugcina inani. Nokho, ama-CBDC akhishwa amabhange kahulumeni futhi asatshalaliswa kunethiwekhi elawulwayo, okunciphisa ukufinyelela kubasebenzisi abathile bemisebenzi elawulwayo.
