Ngo-Ephreli 12, u-Andrew Bailey, umbusi weBhange LaseNgilandi, wathi ngesikhathi kunengqungquthela yabezindaba e-Institute of International Finance eWashington ukuthi ama-stablecoins kufanele alawulwe ngendlela efanayo nemali ye-fiat.

Ngokusho ku-Bailey, i-stablecoins ayinakho "inani eliqinisekisiwe," enye yezici eziyinhloko abantu abazibhekayo lapho betshala imali kulolu hlobo "lwemali yedijithali" efuna ukufana ne-fiat. Uphikisa ngokuthi ngenxa yalokhu, izwe lidinga ukugxila ekuhlinzekeni ngohlaka olufanele, oluqinile lokulawula - olufana kakhulu nalolo lwemikhiqizo yezezimali yendabuko:

“Njengoba sesibonile, [ama-stablecoins] abanalo inani eliqinisekisiwe, futhi emsebenzini esiwenzile eBhange LaseNgilandi siphethe ngokuthi umphakathi kufanele ulindele inani eliqinisekisiwe lemali yedijithali, futhi ukuzethemba kulokhu kuyadingeka ukuze iqinisa ukuzinza kwezezimali.”

Ingabe Amathokheni Imali Yangempela?

U-Andrew Bailey uxwayise ngokuthi ama-stablecoins kumele ahlangabezane nezici nemithethonqubo efanayo njengemali yangempela ukuze asebenze kahle kanjalo. Lesi simo asikenzeki nganoma iyiphi i-stablecoin.

Ngaphezu kwalokho, waphawula ukuthi abalawuli kufanele bacabangele zonke izibambi zemali ezifanele ukuphendula kunoma iyiphi inkinga yasebhange noma ukusebenza kwebhange, njengaleyo yakamuva ehilela iSilicon Valley Bank, ethinte izinkulungwane zabatshalizimali.

Njengamanje, iBhange LaseNgilandi lilandela ukuvela kwemali yedijithali ukuze kufinyelelwe esiphethweni sokuthi kungenzeka yini ukukhipha i-Central Bank Digital Currency (CBDC). Imali yedijithali ikhona amashumi eminyaka, kodwa ubuchwepheshe obusetshenziselwa ukuphathwa kwayo bushintshile. I-Blockchain inikeza indlela eyamukelekayo, efinyelelekayo yokudlulisa imali ngendlela ephumelela kakhudlwana, kodwa ukufakwa endaweni eyodwa kuyindinganiso yezomthetho, i-geopolitical, futhi, ekugcineni, izizathu ezingokoqobo.

U-Bailey uthe nakuba imali yedijithali akufanele ibe khona kuphela ngesimo se-CBDCs, kungenzeka ukuthi kudingekile ukudala "ihange enanini lazo zonke izinhlobo zemali, kuhlanganise nezintsha zedijithali, kanye nokuqinisekisa ithuba eliphezulu lokuqamba izinto ezintsha kumasevisi okukhokha. .”

Izilawuli vs. Stablecoins

As kubika by I-CryptoPotato, abalawuli bebelokhu bexoxa ngomthetho we-stablecoin iminyaka eminingana, kodwa abakafinyeleli esivumelwaneni ngezinyathelo ezidingekayo zokuvikela abatshalizimali. Ngokusho kukaMqondisi Omkhulu we-Blockchain Association u-Kristin Smith, lokhu kungase kube ngenxa yokuthi abaqaphi base-US bagxile kakhulu ekusetshenzisweni okungekho emthethweni kwezinhlamvu zemali ezizinzile, ezifana nokushushumbiswa kwemali noma ukuxhasa ngezimali ubuphekula kunokusebenzisa kwabo kwansuku zonke njengemali yedijithali.

Ukwengeza, wengeze ngokuthi ama-cryptocurrencies "asobala kakhulu kunalokho esikubona ohlelweni lwezinsizakalo zezezimali zendabuko." Kodwa-ke, waphawula ukuthi imakethe ye-crypto kanye ne-stablecoins kufanele ilawulwe ngokwanele ukuze kugwenywe ukuvimbela ukusungulwa kwezobuchwepheshe.

Ngakolunye uhlangothi, uJeremy Allaire, oyi-CEO ye-Circle, kusho muva nje ukuthi ama-stablecoins akufanele alawulwe yi-SEC, njengoba i-ejensi ingafaneleki ukufeza leyo ndima futhi akuwona umthwalo wayo, futhi kukhona abanye abagcini bezwe abafaneleka kangcono kulo. Umbuthano uyinkampani engemuva kwe-USDC, okuyi-stablecoin yesibili ngobukhulu emhlabeni.