Kuanguka kuonyesha ishara katika mpango wa majaribio wa HKMA e HKD kwa kutumia jukwaa jipya la CBDC
(Ripple to demonstrate tokenization in HKMA e HKD pilot program using new CBDC platform)
Published: 2023-05-18
1. Mada kuu ya makala hii ni ushirikiano kati ya Kuanguka na Mamlaka ya Fedha ya Hong Kong (HKMA) kuzindua jukwaa kuu la benki ya digital (CBDC). Jukwaa hilo, linaloitwa e-HKD, linakusudiwa kuwezesha malipo ya wakati halisi na kuboresha ufanisi wa shughuli za mipaka katika mifumo ya kifedha ya Hong Kong. CBDCs ni mwenendo unaokua katika tasnia ya kifedha ya ulimwengu, kwani hutoa faida juu ya mifumo ya malipo ya jadi, kama vile gharama za chini, nyakati za makazi ya haraka, na kuongezeka kwa uwazi.
2. Kama sehemu ya mpango wa majaribio, jukwaa la e-HKD litajaribiwa na benki 12 zinazoshiriki, ikiwa ni pamoja na HSBC na Benki ya China, na watoa huduma 4 wa mkoba wa dijiti. Jukwaa litatumia mtandao wa malipo ya Kuanguka ili kuwawezesha washiriki kutuma na kupokea ishara za e-HKD papo hapo. Faida za kutumia teknolojia blockchain katika CBDCs ni pamoja na kuongezeka kwa usalama na faragha, pamoja na uwezo wa automate kufuata udhibiti na kupunguza gharama za uendeshaji.
3. Ushirikiano kati ya Kuanguka na HKMA unakuja wakati ambapo benki nyingi kuu duniani kote zinachunguza uwezekano wa kutoa CBDCs. Programu ya majaribio ya e-HKD inaweza kutumika kama mfano kwa nchi zingine na benki kuu zinazotafuta kuboresha mifumo yao ya malipo. Hata hivyo, kuna wasiwasi pia juu ya athari za CBDCs kwenye mfumo mpana wa kifedha, ikiwa ni pamoja na vitisho vya uwezekano wa utulivu wa kifedha na jukumu la benki katika uchumi.. Kwa hivyo, mifumo ya udhibiti wa CBDCs bado inaendelezwa, na kupitishwa kwao pana bado haijulikani.. .
1. The main topic of the article is the partnership between Ripple and the Hong Kong Monetary Authority (HKMA) to launch a central bank digital currency (CBDC) platform. The platform,called e-HKD,is intended to facilitate real-time payments and improve the efficiency of cross-border transactions in Hong Kong's financial systems. CBDCs are a growing trend in the global financial industry,as they offer advantages over traditional payment systems,such as lower costs,faster settlement times,and increased transparency.
2. As part of the pilot program,the e-HKD platform will be tested by 12 participating banks,including HSBC and Bank of China,and 4 digital wallet providers. The platform will use Ripple's payment network to enable participants to send and receive e-HKD tokens instantly. The benefits of using blockchain technology in CBDCs include increased security and privacy,as well as the ability to automate regulatory compliance and reduce operational costs.
3. The partnership between Ripple and HKMA comes at a time when many central banks around the world are exploring the possibility of issuing CBDCs. The e-HKD pilot program could serve as a model for other countries and central banks looking to modernize their payment systems. However,there are also concerns around the impact of CBDCs on the wider financial system,including potential threats to financial stability and the role of banks in the economy. As such,regulatory frameworks for CBDCs are still being developed,and their wider adoption remains uncertain.
Reference:
cointelegraph.com