Pogledi guvernerja zveznih rezerv na ameriške načrte CBDC bi lahko presenetili mnoge

The hype around Central Bank Digital Currencies (CBDCA) and China’s progress in the field has prompted many other nations to accelerate their plans. Lawmakers in the US are no different and have called for accelerated development of the digital US Dollar. However, Federal Reserve governor Christopher Waller has deli a contrasting view that might surprise many.

Waller je na dogodku think tanka za javno politiko, ki ga je organiziral American Enterprise Institute, zanikal potrebo po digitalnem dolarju. Idejo o suvereni digitalni valuti je zavrnil kot rešitev v iskanju problema in trdil, da je v zasebnem sektorju dovolj inovacij. Pojasnil je,

"Zasebni sektor že razvija cenejše plačilne možnosti, da bi konkuriral bančnemu sistemu," pravi Waller. "Zato se zdi, da Federal Reserve ne ustvarja CBDC, da bi znižal zahteve po plačilih, ki jih vidimo pri bankah."

Waller pravi, da CBDC ne bo rešil nobenega problema

The majority of commercial banks already use digital transactions recorded as a liability for the bank. There is no distinction between the current transaction and what would be done using a CBDC since commercial banks peg their exchange rate 1:1 against the Federal Reserve. Thus waller believes CBDCA is nothing more than hype.

"Zdi se mi, da bi lahko inovacije v zasebnem sektorju znižale pribitek, ki ga zaračunavajo banke, bolj učinkovito kot CBDC," pravi Waller. "Če poslovne banke dobivajo najemnine s svojo tržno močjo, obstaja možnost, da nebanke vstopijo v plačilno dejavnost in javnosti ponudijo cenejše plačilne storitve."

Čeprav so Wallerjevi komentarji v nasprotju z več zakonodajalci, postavljajo prava vprašanja o tem, kakšna dodatna korist bi lahko bila za plačilni sektor, razen da sledi trendu veriženja blokov.

Kitajski napredek in the field has forced several nations to work harder to launch their CBDC. However, China aims to use the digital yuan as a way to track the flow of money outside the country and have full control of the flow of money. Several other nations facing economic sanctions plan to use CBDC for international trade as well.

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