Ua'ōleloʻo JPMorgan Chase,ʻo Josh Young,ʻo nā panakō ke kū nei i kaʻoihana kālepa a me ka waiwai kālā o nāʻoihana waiwai a pau, a no lailaʻaʻole pono e hoʻoweliweliʻia e ka uluʻana o nā kālā kālā kikohoʻe e hoʻopau mālie iā lākou.

Ma kahi hōʻike i ka Pōʻalima i hala, ua kuhikuhi ʻo Young ma ka hoʻokomo ʻana iā CBDC ma ke ʻano he hōʻaiʻē kūʻai hou a me ke ala uku, hiki iā ia ke hoʻoponopono i ka pilikia o ka like ʻole o ka hoʻokele waiwai.

Eia nō naʻe, ua ʻōlelo pū ʻo ia e makaʻala ka hoʻomohala ʻana o CBDC i ʻole e hōʻino i ka ʻoihana panakō e kū nei, no ka mea, e hopena kēia i ka luku ʻia o 20% a 30% o ke kumu waiwai mai ka hoʻopukapuka kālā ʻoihana.
ʻOi aku ka liʻiliʻi o ka mahele o CBDC ma ka mākeke kūʻai ma mua o nā panakō.Ua ʻōlelo ʻo JPMorgan Chase, ʻoiai e hiki i ka CBDC ke hoʻonui i ka hoʻopili kālā ma mua o nā panakō, hiki nō iā lākou ke hana pēlā me ka ʻole o ka hoʻopilikia nui ʻana i ke ʻano o ka ʻōnaehana kālā.ʻO ke kumu ma hope o kēia, ʻo ka hapa nui o ka poʻe i pōmaikaʻi nui mai CBDC he mau moʻokāki ma lalo o $10,000.

Ua ʻōlelo ʻo Young, ʻo kēia mau kālā he hapa liʻiliʻi wale nō o ka huina kālā, ʻo ia hoʻi e paʻa mau ana ka panakō i ka hapa nui o nā ʻāpana.

"Inā paʻa wale kēia mau waihona kālā CBDC, ʻaʻole ia he hopena nui i ke kālā kālā."

Wahi a ka noiʻi hou loa a ka Federal Deposit Insurance Corporation (FDIC) ma luna o nā hale i hoʻohana ʻole ʻia a me ka hoʻohana ʻole ʻia, ʻoi aku ma mua o 6% o nā ʻohana ʻAmelika (14.1 miliona mau mākua ʻAmelika) ʻaʻole hoʻohana i nā lawelawe panakō.

Ua hōʻike pū ʻia ka noiʻi ʻoiai ke emi nei ka nui o ka poʻe hana ʻole, ʻoi aku ka kiʻekiʻe o ka nui o nā kaiāulu e kū nei i ka pono ʻole a me ka loaʻa ʻole o ka loaʻa kālā.ʻO kēia nā hui nui e pōmaikaʻi mai CBDC.

"No ka laʻana, ʻeleʻele (16.9%) a me Hispanic (14%) ʻoi aku ka nui o nā ʻohana e hoʻopau i nā waihona kālā ma mua o nā hale keʻokeʻo (3%).No ka poʻe me ka ʻole o ka waihona kālā, ʻo ka hōʻailona ikaika loa ka pae kālā.

CBDC kūlana.ʻOiai ma nā ʻāina e ulu nei, ʻo ka hoʻopili kālā ke kumu kūʻai nui o Crypto a me CBDC.Ma Mei o kēia makahiki, ua ʻōlelo ke Kiaʻāina ʻo Federal Reserve ʻo Lael Brainard e lilo ka hoʻokomo kālā i mea koʻikoʻi no ka United States e noʻonoʻo ai i ka CBDC.Ua hoʻohui ʻo ia e hoʻomohala ana ʻo Atlanta a me Cleveland i nā papahana noiʻi mua ma nā kālā digital.

I mea e hōʻoia ai ʻaʻole pili ka CBDC i ka ʻoihana o ka panakō, manaʻo ʻo JP Morgan Chase e hoʻonoho i kahi pāpale paʻa no nā ʻohana haʻahaʻa.

"ʻO ka pāpale paʻakikī o $ 2500 e hiki ke hoʻokō i nā pono o ka hapa nui o nā ʻohana haʻahaʻa haʻahaʻa, me ka ʻole o ka hopena koʻikoʻi i ka matrix kālā o nā waihona kālepa nui."

Manaʻo ʻo Young he mea pono kēia e hōʻoia i ka hoʻohana nui ʻia o CBDC no ke kūʻai aku.

"No ka hōʻemi ʻana i ka pono o ka CBDC kūʻai aku ma ke ʻano he hale kūʻai waiwai, pono e kau ʻia kekahi mau palena o nā waiwai i mālama ʻia."

I kēia mau lā, ua kāhea ʻo Weiss Crypto Rating i ke kaiāulu Crypto e hōʻike i nā papahana hoʻomohala CBDC a puni ka honua, e kuhikuhi ana i kēia i kuhi hewa ai nā kānaka he kūʻokoʻa kālā like kā CBDC a me Crypto.

"Ua hōʻike ʻo Crypto Media e pili ana nā hanana āpau e pili ana i CBDC i ka "Crypto", kahi e hōʻeha maoli ai i ka ʻoihana no ka mea e hāʻawi ana i ka poʻe i ka manaʻo e like ka CBDC me Bitcoin, a ʻo ka ʻoiaʻiʻo ʻo kēia mau mea ʻelua. .”