Umkhakha wezezimali waseYurophu usanda kubona ingqophamlando ekuthuthukisweni kwemali yasebhange. Iqembu lezikhungo eziyisikhombisa ezinkulu zase-UK , okuhlanganisa neBanco Santander yaseSpain, liqede ukuthengiselana kokuqala kwamakhasimende emhlabeni wangempela kusetshenziswa amadiphozithi athokheni ngamaphawundi aseBrithani.
Lesi sinyathelo, esihlanganiswe yinhlangano yezimboni i-UK Finance, sibonisa ukuthi amadiphozithi avamile angathola amakhono okukhokha angahle ahlelwe futhi asheshe ngaphandle kokushiya ama-balance sheet amabhange noma ukulahlekelwa ukuvikelwa okujwayelekile kwemithetho. Lokhu kuthuthukiswa kuza phakathi kwentshisekelo ekhulayo evela emabhange yokuhambisana ne-stablecoins.
Ayini amadiphozithi anethokheni futhi ahluke kanjani kuma-stablecoins?
Ngokungafani nezinye izimpahla ze-crypto, idiphozithi enamathokheni iwukubonakaliswa kwedijithali kwediphozithi yasebhange evamile . Ikhasimende ligcina imali yalo ebhange, kodwa leyo bhalansi ingahanjiswa ngengqalasizinda esekelwe ku-blockchain futhi yenziwe ngokuzenzakalelayo.
Ngokusho kwabasekeli bephrojekthi yaseBrithani, lawa mathuluzi ahlala eyisibopho sebhange elikhiphayo futhi agcina isivikelo esinikezwa yizinhlelo zesiqinisekiso sediphozithi. Lawa akuzona izinhlamvu zemali ezizinzile ezikhishwa yizinhlangano ezizimele ngaphandle kohlelo lwamabhange, kodwa kunalokho ukuvela kobuchwepheshe bemali yezentengiselwano esivele ikhona kuma-akhawunti ayizigidi.
Umshayeli wendiza onemali mboleko yendlu kanye nezinkokhelo phakathi kwabantu ngabanye
Ukuhlolwa okwenziwe yi-consortium yaseBrithani kwagxila ezimweni ezimbili zokusetshenziswa ezithile. Ngakolunye uhlangothi, imisebenzi yokuvuselela imali yendlu yenziwa lapho imali yeklayenti yahlala igcinwe khona ku-akhawunti yayo kuze kube yilapho zonke izimo zomthetho zokukhulula imali sezihlangatshezwa.
Ngakolunye uhlangothi, ukuthengwa nokuthengiswa kwemikhiqizo ezimakethe kwalingiswa. Kulesi simo, inani lavinjelwa ku-akhawunti yomthengi futhi ladluliselwa kumthengisi kuphela uma ukwamukelwa kwento okuvunyelwene ngayo sekuqinisekisiwe. Le ndlela inciphisa ingozi yokukhwabanisa futhi iqeda isidingo sokuthemba ukuthi elinye iqembu lizofeza izibopho zalo.
Ingqalasizinda yezobuchwepheshe yathuthukiswa nguQuant, kanti i-EY yayiphatha ukuphathwa kwamaphrojekthi kanti i-Linklaters yanikeza abeluleki bezomthetho. Isihluthulelo sokuhlola sisekusebenzisaneni phakathi kwamabhange ancintisanayo , into eyayingatholakalanga ezivivinyweni zangaphambilini ezazisebenza zodwa.
I-Santander kanye nokubheja ngemali ehleliwe
Ukubandakanyeka kweBanco Santander kulesi sinyathelo kubeka ibhange laseSpain endaweni evelele emncintiswaneni webhange elinophawu. Leli qembu, eliholwa ngu-Ana BotÃn, lihlanganyela kanye neBarclays, HSBC, Lloyds, NatWest, kanye neNationwide , phakathi kwezinye izikhungo, kuphrojekthi ehlose ukudala ungqimba oluvamile oluvumela ukuthi amadiphozithi athuthwe ngohlelo phakathi kwamabhange ahlukene, ngendlela efanayo nendlela iBarclays ehlola ngayo ipulatifomu ye-blockchain ukuze ithuthukise izinsizakalo zayo.
I-UK Finance ikhombisile ukuthi izivivinyo zibonise okokuqala ukuthi amadiphozithi anethokheni angajikeleza phakathi kwezikhungo ezahlukene ngokusebenza okusemthethweni okugcwele. Lokhu kumelela ukuthuthuka kumaphrojekthi okuhlola angaphambilini, ayevame ukusebenza ngaphakathi kwezinhlelo ezivaliwe zebhange ngalinye.
Izinyathelo ezilandelayo: ukuvalwa kwezimpahla zedijithali
I-consortium ayimi ekukhokheni. Ngokusho kwesimemezelo esisemthethweni, isigaba esilandelayo sale phrojekthi sizobandakanya ukusebenzisa izimali zamakhasimende ezinamathokheni ukukhokha izimpahla zedijithali , njengezibopho ezikhishwe ku-blockchain. Lokhu kuzoxhumanisa ngqo amadiphozithi asebhange nezimakethe zamasheya ezinamathokheni.
Umqondo uwukuthi idiphozithi ethokheniwe ingasebenza njengendlela yokukhokha ekuthengweni nasekuthengisweni kwezinsimbi zezimali zedijithali , ivule indlela yokuhlanganiswa okujulile phakathi kwebhange lendabuko kanye nohlelo lwempahla yedijithali. Nakuba kungekho izinsuku eziqondile okwamanje, abasekeli balo msebenzi bayaqiniseka ukuthi leli khono lizotholakala maduze nje.
Ukuhlolwa kweBrithani kubonisa ukuthi ukwenziwa kwama-tokenization kwamadiphozithi asebhange kudlulele ngale kwethiyori futhi kwaba ngokoqobo lokusebenza namakhasimende angempela . Ukuhlanganiswa kokuhlela, ukusebenzisana, kanye nokuvikelwa kokulawula kunikeza amabhange indlela yokuncintisana nama-stablecoins ngaphandle kokulahla indima yawo ebalulekile ohlelweni lwezezimali. Ukubamba iqhaza kukaSantander kugcizelela intshisekelo yezikhungo zaseSpain yokungaphuthelwa yilolu shintsho, olungachaza kabusha indlela imali ehamba ngayo eYurophu eminyakeni ezayo.
