JPMorgan Chase umhlalutyi Josh Young wathi iibhanki ukumela iziseko zorhwebo kunye nemali kuzo zonke uqoqosho ezithile, kwaye ke ngoko akufanele kusongelwa kuphuhliso lwemali yedijithali yebhanki engundoqo eya kuthi ngokuthe ngcembe iwaphelise.

Kwingxelo ngoLwesine odlulileyo, u-Young wabonisa ukuba ngokuzisa i-CBDC njengemali mboleko entsha yokuthengisa kunye nomjelo wokuhlawula, unamandla amakhulu okusombulula ingxaki ekhoyo yokungalingani kwezoqoqosho.

Nangona kunjalo, wathi kwakhona uphuhliso lwe-CBDC kufuneka luqaphele ukuba lungonakalisi iziseko zebhanki ezikhoyo, kuba oku kuya kubangela ukutshatyalaliswa kwe-20% ukuya kwi-30% yesiseko senkunzi ngokuthe ngqo kwi-investment bank bank.
Isabelo se-CBDC kwimarike yokuthengisa iya kuba yincinci kuneebhanki.UJPMorgan Chase uthe nangona i-CBDC iya kukwazi ukuqhubela phambili ukukhawuleza ukubandakanywa kwemali kuneebhanki, basenokwenza oko ngaphandle kokuphazamisa kakhulu isakhiwo semali.Isizathu emva koku kukuba, Uninzi lwabantu abaxhamla kakhulu kwi-CBDC bane-akhawunti engaphantsi kwe-10,000 yeedola.

U-Young uthe ezi nkxaso-mali zithatha inxalenye encinci yemali iyonke, nto leyo ethetha ukuba ibhanki isazakubamba uninzi lwezabelo.

"Ukuba zonke ezi diphozithi zigcina i-CBDC yokuthengisa kuphela, ayizukuba nefuthe elikhulu kwinkxaso-mali yebhanki."

Ngokutsho kophando lwamva nje lwe-Federal Deposit Insurance Corporation (FDIC) kumakhaya angekho ebhankini kwaye asetyenziswa ngaphantsi, ngaphezu kwe-6% yamakhaya aseMelika (i-14.1 yezigidi zabantu abadala baseMelika) abasebenzisi iinkonzo zebhanki.

Uvavanyo lukwabonise ukuba nangona izinga lentswela-ngqesho liye lehla, umyinge woluntu lusajongene nokungabikho kobulungisa ngokwenkqubo kunye nokungalingani kwemivuzo kusephezulu.La ngamaqela aphambili axhamla kwi-CBDC.

“Umzekelo, amakhaya abantu abamnyama (16.9%) kunye neSpanishi (14%) anamathuba aphindwe kahlanu okurhoxisa iidipozithi zebhanki kunamakhaya amhlophe (3%).Kwabo bangenayo idiphozithi yebhanki, esona salathisi sinamandla linqanaba lengeniso. "

I-CBDC enemiqathango.Nakumazwe asakhasayo, ukubandakanywa kwemali yeyona nto iphambili yokuthengisa i-Crypto kunye ne-CBDC.NgoMeyi walo nyaka, iRhuluneli ye-Federal Reserve uLael Brainard uthe ukubandakanywa kwemali kuya kuba yinto ebalulekileyo eUnited States ukuba iqwalasele i-CBDC.Wongezelela ukuba i-Atlanta kunye neCleveland zombini ziphuhlisa iiprojekthi zophando kwangaphambili kwiimali zedijithali.

Ukuze kuqinisekiswe ukuba i-CBDC ayichaphazeli iziseko zebhanki, i-JP Morgan Chase iphakamisa ukuseta i-cap enzima kumakhaya anengeniso ephantsi:

"I-hard cap ye-2500 yeedola kungenzeka ukuba ihlangabezane neemfuno zamakhaya amaninzi anengeniso ephantsi, ngaphandle kwefuthe elibalulekileyo kwi-matrix yenkxaso-mali yeebhanki ezinkulu zorhwebo."

Umncinci ukholelwa ukuba oku kuya kuba yimfuneko ukuqinisekisa ukuba i-CBDC isasetyenziselwa ukuthengisa.

"Ukunciphisa ukusetyenziswa kwe-CBDC yokuthengisa njengevenkile yexabiso, izithintelo ezithile kwii-asethi ezibanjiweyo kufuneka zibekwe."

Kungekudala, i-Weiss Crypto Rating ibize uluntu lwe-Crypto ukuba lunike ingxelo kwiiprojekthi ezahlukeneyo zophuhliso lwe-CBDC emhlabeni jikelele, ebonisa ukuba oku kwenza abantu bakholelwa ngephutha ukuba i-CBDC kunye ne-Crypto banokuzimela okufanayo kwezemali.

"I-Crypto media ibike ukuba zonke iintuthuko ezinxulumene ne-CBDC zihambelana ne" Crypto ", ebangela ingozi yokwenene kwishishini kuba inika abantu ingcamango yokuba i-CBDC ilingana ne-Bitcoin, kwaye inyaniso kukuba ezi zimbini azifani. .”