Umhlaziyi we-JPMorgan Chase uJosh Young uthe amabhange amele ingqalasizinda yezohwebo nezezimali yawo wonke umnotho othize, ngakho-ke akufanele asongelwa ukuthuthukiswa kwezimali zebhange eliphakathi ezizoziqeda kancane kancane.

Embikweni wangoLwesine olwedlule, u-Young wabonisa ukuthi ngokwethula i-CBDC njengendlela entsha yokubolekwa kwemali yokuthengisa kanye nesiteshi sokukhokha, inamandla amakhulu okuxazulula inkinga ekhona yokungalingani kwezomnotho.

Kodwa-ke, waphinde wathi ukuthuthukiswa kwe-CBDC kufanele kuqaphele ukuthi kungalimazi ingqalasizinda yebhange ekhona, ngoba lokhu kuzoholela ekubhujisweni kwe-20% kuya ku-30% yesisekelo semali ngqo kusuka ekutshalweni kwebhange lokuhweba.
Isabelo se-CBDC emakethe yokudayisa sizoba sincane kunesamabhange.U-JPMorgan Chase uthe nakuba i-CBDC izokwazi ukuqhubeka nokusheshisa ukufakwa kwezimali kunamabhange, basengakwenza lokho ngaphandle kokuphazamisa kakhulu ukwakheka kwesistimu yezimali.Isizathu salokhu ukuthi, Abantu abaningi abahlomula kakhulu ku-CBDC banama-akhawunti angaphansi kuka-$10,000.

UYoung uthe lezi zimali ziyingxenye encane kuphela yezimali eziphelele, okusho ukuthi ibhange lisazobamba amasheya amaningi.

"Uma wonke lawa madiphozithi egcina i-CBDC yokudayisa kuphela, ngeke ibe nomthelela omkhulu ekuxhasweni kwebhange."

Ngokocwaningo lwakamuva olwenziwe yi-Federal Deposit Insurance Corporation (FDIC) ezindlini ezingasetshenzisiwe futhi ezingasetshenzisiwe, ngaphezu kwe-6% yemindeni yaseMelika (abantu abadala baseMelika abayizigidi ezingu-14.1) ayisebenzisi izinsizakalo zamabhange.

Ucwaningo luphinde lwaveza ukuthi nakuba izinga labantu abangasebenzi liye lehla, isibalo semiphakathi esabhekene nokungabi nabulungiswa okuhleliwe kanye nokungalingani kweholo kusephezulu.Lawa ngamaqembu amakhulu azuza ku-CBDC.

“Isibonelo, amakhaya abantu abamnyama (16.9%) kanye nabaseSpanishi (14%) banamathuba aphindwe kahlanu okukhansela imali efakwa ebhange kuneyabamhlophe (3%).Kulabo abangenawo amadiphozithi ebhange, inkomba enamandla kakhulu yizinga lemali engenayo.”

I-CBDC enemibandela.Ngisho nasemazweni asathuthuka, ukufakwa kwezezimali kuyiphuzu eliyinhloko lokuthengisa le-Crypto ne-CBDC.NgoMeyi walo nyaka, uMbusi we-Federal Reserve u-Lael Brainard wathi ukufakwa kwezezimali kuzoba yinto ebalulekile yokuthi i-United States icabangele i-CBDC.Wengeze ngokuthi i-Atlanta neCleveland zombili zakha amaphrojekthi ocwaningo lwangaphambi kwesikhathi ngezimali zedijithali.

Ukuze kuqinisekiswe ukuthi i-CBDC ayithinti ingqalasizinda yebhange, u-JP Morgan Chase uhlongoza ukusetha i-hard cap kumakhaya ahola kancane:

"Isamba esiqinile sika-$2500 kungenzeka sihlangabezane nezidingo zeningi lemizi ehola kancane, ngaphandle kwanoma yimuphi umthelela omkhulu ekuxhaseni ngezimali kwamabhange amakhulu okuhweba."

Intsha ikholelwa ukuthi lokhu kuzodingeka ukuze kuqinisekiswe ukuthi i-CBDC isasetshenziswa kakhulu ukuthengisa.

"Ukunciphisa ukusetshenziswa kwe-CBDC yokudayisa njengesitolo senani, imikhawulo ethile yezimpahla ezibanjiwe idinga ukubekwa."

Muva nje, i-Weiss Crypto Rating ibize umphakathi we-Crypto ukuthi ubike ngamaphrojekthi ahlukahlukene okuthuthukiswa kwe-CBDC emhlabeni jikelele, eveza ukuthi lokhu kwenza abantu bakholelwa ngephutha ukuthi i-CBDC ne-Crypto banokuzimela okufanayo kwezezimali.

"I-Crypto media ibike ukuthi yonke intuthuko ehlobene ne-CBDC ihlobene ne "Crypto", okubangela ukulimala kwangempela embonini ngoba inikeza abantu umbono wokuthi i-CBDC ilingana ne-Bitcoin, futhi iqiniso liwukuthi lezi ezimbili azifani. .”