IMF svari pred sprejetjem kripto kot zakonitega ponudnika

V nedavnem blogu objava, the International Monetary Fund (IMF) warned against nations adopting cryptocurrencies as legal tender. 

Although not explicitly referred to, the recommendation likely reflects El Salvador’s recent legalization of Bitcoin as legal tender. But as the Latin American country is in talks for a $1 billion loan, the warning could complication plans.

“I don’t think they thought through all the implications,” je dejal Ricardo Castaneda, senior economist at think-tank Icefi. “It’s an experiment. It will be interesting to see if it works or not, but the implications, if it doesn’t, are very serious.”

Težave MDS 

IMG je v svojem spletnem dnevniku navedel nekaj vprašanj, ki jih je odkril s sprejetjem kriptovalut kot zakonitih plačilnih sredstev. Čeprav pojasnjuje razliko med zakonitim plačilnim sredstvom in nacionalno valuto. Kot zakonito plačilno sredstvo bi morali kripto sprejeti upniki pri plačilu denarnih obveznosti, vključno z davki. Vendar to ne bi bila nacionalna valuta in zato deluje kot obvezno plačilno sredstvo za vsakodnevne nakupe.

Ultimately though, this would unlikely catch on in countries with stable inflacija and exchange rates, and credible institutions. In such places, households and businesses would have little incentive to price or save in crypto, because their value is just too volatile and unrelated to the real economy. 

Dokument tudi ugotavlja, da bi bil dolar ali evro verjetno bolj privlačen kot sprejetje kriptovalute, tudi v razmeroma manj stabilnih gospodarstvih. Nazadnje, dokument priznava, da bi lahko kriptoasseti našli uporabnost kot sredstvo za plačevanje nebančnih ljudi, vendar bi jih ob prejemu takoj zamenjali v pravo valuto.

Bitcoin zakon

On June 9, the Parliament of El Salvador opravil a law adopting Bitcoin as legal tender. President Nayib Bukele says will go live from September 7. Bukele claims this will unlock prosperity and offer “a great leap forward for humanity”. He also claims that adopting the cryptocurrency nationwide would help the 70% of the population without access to traditional financial services.

However, not everyone in the country is sold on the adoption. In a survey by the El Salvador Chamber of Commerce and Industry, over 90% of respondents did not want to be obliged to accept bitcoin as payment. Another three-quarters vowed to continue using dollars. Conclusively, a poll by the Universidad Francisco Gavidia found that 44% expected it to make the economy worse. Additionally, a citizen group led by an opposition politician vložila tožbo against the country legalizing bitcoin as legal tender.