Payments giant Visa has taken a step toward achieving its látomás for central bank digital currencies (CBDCs). It has developed a concept that shows how various CBDCs can be interoperable with each other to make payments.
Az „Universal Payments Channel” (UPC) elnevezésű koncepció felvázolja, hogyan lehet különböző blokklánc-hálózatokat összekapcsolni a CBDC-k átvitelének lehetővé tétele érdekében. Bemutatja, hogy a Visa hogyan segíthet a jövőben különböző blokkláncokra épülő CBDC-k cseréjében.
“This is a much longer-term future thinking concept around a way that Visa could potentially help become a bridge between one digital currency on one blockchain and another digital currency on another blockchain,” Visa’s head of crypto, Cuy Sheffield, told The Block in an interview.
Digital currencies, including CBDCs and stablecoins, will play an essential role in people’s financial lives in the future, according to Visa. And for digital currencies to be successful, Visa thinks they must have a great consumer experience and widespread merchant acceptance. “It means the ability to make and receive payments, regardless of currency, channel, or form factor. And that’s where Visa’s UPC concept comes in,” said the company.
UPC is a conceptual protocol that facilitates digital currency payments between different parties. “The UPC protocol facilitates payments through an entity, called the UPC hub (or server — we use the terms interchangeably), which acts as a gateway to receive payment requests from registered sending parties and routes them to registered recipient parties,” reads its whitepaper.
Visa’s first smart contract
As part of developing the UPC concept, Visa has also deployed its első minta intelligens szerződés on Ethereum’s Ropsten testnet. The smart contract shows a payment channel that accepts both ether (ETH) and the USDC stablecoin.
“UPC’s specialized payment channels would be established off the blockchain and leverage smart contracts to communicate back with the various blockchain networks, delivering high transaction throughput securely and reliably and improving speeds overall,” said Visa.
The company is ramping up its knowledge and expertise, learning solidity, and writing smart contracts on Ethereum, said Sheffield. It will also explore other blockchains in the future, he said.
Ultimately, Visa aims for UPC to serve as a “network of blockchain networks” to move digital currencies around.
További ilyen törő történetekért feltétlenül iratkozzon fel a The Block on-ra Telegram.
© 2021 The Block Crypto, Inc. Minden jog fenntartva. Ez a cikk csak tájékoztató jellegű. Nem kínálják, vagy nem szándékoznak felhasználni jogi, adóügyi, befektetési, pénzügyi vagy egyéb tanácsadásként.