Mohlahlobi oa JPMorgan Chase Josh Young o boletse hore libanka li emela lits'ebetso tsa khoebo le tsa lichelete tsa moruo o mong le o mong, ka hona ha lia lokela ho sokeloa ke nts'etsopele ea lichelete tsa dijithale tsa banka e bohareng tse tla li felisa butle-butle.

Tlalehong ea Labone le fetileng, Young o ile a bontša hore ka ho hlahisa CBDC e le mocha o mocha oa ho alima le ho lefa, o na le monyetla o moholo oa ho rarolla bothata bo teng ba ho se lekane ha moruo.

Leha ho le joalo, o ile a boela a re tsoelo-pele ea CBDC e lokela ho ba hlokolosi hore e se ke ea senya mekhoa ea libanka e teng, hobane sena se tla fella ka ho timetsoa ha 20% ho ea ho 30% ea motse-moholo ka ho toba ho tsoa licheleteng tsa banka ea khoebo.
Kabelo ea CBDC 'marakeng oa mabenkele e tla ba nyane ho feta ea libanka.JPMorgan Chase o boletse hore le hoja CBDC e tla khona ho potlakisa ho kenyelletsoa ha lichelete ho feta libanka, ba ntse ba ka etsa joalo ntle le ho senya ka matla sebopeho sa tsamaiso ea lichelete.Lebaka la sena ke hore, Batho ba bangata ba ruang molemo haholo ho CBDC ba na le li-account tse ka tlase ho $10,000.

Young o boletse hore lichelete tsena li nka karolo e nyane feela ea chelete eohle, ho bolelang hore banka e ntse e tla tšoara boholo ba likarolo.

"Haeba li-deposit tsena kaofela li na le CBDC ea mabenkele, e ke ke ea ba le tšusumetso e kholo ho lichelete tsa banka."

Ho ea ka phuputso ea morao-rao e entsoeng ke Federal Deposit Insurance Corporation (FDIC) malapeng a se nang libanka le a sa sebelisoeng hantle, ho feta 6% ea malapa a Amerika (batho ba baholo ba Amerika ba limilione tse 14.1) ha ba sebelise litšebeletso tsa banka.

Patlisiso e boetse e bonts'itse hore leha sekhahla sa tlhokeho ea mesebetsi se ntse se theoha, karolo ea lichaba tse ntseng li tobane le leeme la tsamaiso le ho se lekane ha meputso e ntse e phahame.Tsena ke lihlopha tse kholo tse ruang molemo ho CBDC.

Ka mohlala, malapa a batho ba batšo (16.9%) le Ma-Hispanic (14%) a na le monyetla oa ho hlakola lichelete tsa banka ho feta malapa a makhooa (3%).Bakeng sa ba se nang li-depositi tsa banka, letšoao le matla ka ho fetisisa ke boemo ba chelete. ”

CBDC e nang le maemo.Esita le linaheng tse tsoelang pele, ho kenyelletsoa ha lichelete ke ntlha e ka sehloohong ea ho rekisa Crypto le CBDC.Ka Mots'eanong selemong sena, 'Musisi oa Federal Reserve Lael Brainard o boletse hore kenyelletso ea lichelete e tla ba ntlha ea bohlokoa hore United States e nahane ka CBDC.O boetse a re Atlanta le Cleveland ka bobeli ba nts'etsapele merero ea pele ea lipatlisiso mabapi le lichelete tsa dijithale.

E le ho etsa bonnete ba hore CBDC ha e ame mekhoa ea motheo ea banka, JP Morgan Chase o etsa tlhahiso ea ho beha sekoahelo se thata bakeng sa malapa a nang le chelete e tlaase:

"Chelete e boima ea $ 2500 e kanna ea khahlametsa litlhoko tsa malapa a mangata a amohelang meputso e tlase, ntle le tšusumetso e kholo molemong oa lichelete tsa libanka tse kholo tsa khoebo."

Bacha ba lumela hore sena se tla hlokahala ho netefatsa hore CBDC e ntse e sebelisoa haholo bakeng sa thekiso.

"Ho fokotsa ts'ebeliso ea mabenkele a CBDC joalo ka lebenkele la boleng, lithibelo tse itseng tsa thepa e ts'oaretsoeng li tlameha ho beoa."

Haufinyane tjena, Weiss Crypto Rating o ile a bitsa sechaba sa Crypto ho tlaleha merero e fapaneng ea ntlafatso ea CBDC lefatšeng ka bophara, a bontša hore sena se entse hore batho ba lumele ka phoso hore CBDC le Crypto li na le boipuso bo tšoanang ba lichelete.

"Mecha ea litaba ea Crypto e tlaleha hore tsoelo-pele eohle e amanang le CBDC e amana le "Crypto", e bakang kotsi ea sebele ho indasteri hobane e fa batho maikutlo a hore CBDC e lekana le Bitcoin, 'me' nete ke hore tsena tse peli Ha li tšoane. .”