Umfelandawonye we amabhange amakhulu ayishumi, okuhlanganisa ne-Banco Santander, ihlaziya ukuba nokwenzeka kokukhishwa kwe-stablecoin esekelwa izinqolobane. Isiphakamiso sibandakanya a I-stablecoin esezingeni eliphansi esebenzisa ubuchwepheshe bezimpahla zedijithali ukuze kube lula ukukhokha nokukhokhelwa.
Amabhizinisi agcizelela ukuthi lokhu ukuhlola kokuqala futhi ayakugcina izingxoxo ezisebenzayo nabalawuli nabaphathi ezimakethe ezifanele. Azikho izinqumo zokugcina ezisake zenziwe mayelana nokuklama, ukubusa, noma isikhathi, nakuba le ndlela ifuna ukuvumelanisa ngokugcwele nezinhlaka zokulawula kanye nezindlela ezihamba phambili zokulawula ubungozi.
Owenza umfelandawonye wamabhange
Iqembu lihlanganisa I-Banco SantanderI-Bank of America, i-Barclays, i-BNP Paribas, i-Citi, i-Deutsche Bank, i-Goldman Sachs, i-MUFG Bank, i-TD Bank, ne-UBS. Lezi yizinhlangano eziyishumi ezinobukhona bomhlaba wonke kanye nolwazi kwingqalasizinda yokukhokha nezimakethe, inhlanganisela, ngokubona kwabo, engasheshisa ukwamukelwa kwamazinga afanayo nokusebenzisana.
Inhloso ehlanganyelwe ukuhlola ukuthi isiphakamiso somkhakha singakwazi yini ukudlulisa izinzuzo ze-digital ecosystem emacaleni okusetshenziswa kwebhange ngaphandle kokudela ukuphepha, ukuthobela imithetho, nokusebenza kahle.
Idizayini ehlongozwayo: ukusekelwa okungu-1:1 kanye nezinhlobo zemali ze-G7
Uhlelo olufundwayo lucabangela a 1:1 isilinganiso phakathi kwamathokheni akhishiwe nezigodlo kubhasikidi wemali ye-G7. Ubhasikidi othize awukacaciswa, kodwa umqondo uwukugxilisa inani emalini eyinkomba ukuze kuncishiswe ukuntengantenga futhi kube lula ukusetshenziswa kwayo ezinkokhelweni eziwela imingcele.
Izici ezibalulekile zisazochazwa, njengokuthi ukwakheka okuqondile kwezigodlo, izindlela zokukhishwa nembuyiselo, kanye nokuphathwa kwephrojekthi (ukugcinwa, ukucwaningwa kwamabhuku, kanye nokuphathwa kwesibambiso). Noma yisiphi salezi zinqumo kufanele sihambisane nezidingo zabaphathi bendawo ngayinye.
Amabhizinisi abuye ahlaziye ukuthi kungenzeka yini ukuthi impahla isetshenziswe amanethiwekhi omphakathi we-blockchain nangaphansi kwamazinga okusebenzisana, njalo ngaphansi kokulawula ukuthobela kanye nokuvimbela ubungozi bokusebenza nezezimali.
Izimo ezisetshenziswayo ezicatshangelwayo zihlanganisa: izinkokhelo ze-wholesale kanye nezivumelwano, ngaphezu kokuhlanganiswa nezinqubo zokwenza amathokheni wempahla, konke okungaphansi kwemibandela yokulawula nokuhlolwa kokuhlola.
Ukugadwa, ubungozi kanye nesikhathi
Umfelandawonye uthi usezingxoxweni nawo abalawuli bezezimali nabaphathi ezimakethe ezifanele ukuze kuqinisekiswe uhlaka olusemthethweni lwemodeli, imithelela yayo yokuzinza kwezezimali, kanye nezimfuneko zokuvikela isikhwama.
Ngokuhambisanayo, amabhange agcizelela ukuzibophezela kwawo ku izinqubo ezingcono kakhulu zokulawula ubungozi, okuhlanganisa ukubeka izinto obala mayelana nezindawo ezigciniwe, ukubusa okuqinile, nokucwaninga kwamabhuku okuvamile, izici ezibhekwa njengezibalulekile ekukhiqizeni ukwethenjwa.
Okwamanje akekho uhlelo lokukhishwa noma izibopho zezentengiselwano. Izigaba ezilandelayo zizobandakanya ukuqinisekisa ukuklama kobuchwepheshe, ukwenza izivivinyo ezilawulwayo, kanye nokuthola, lapho kufanele, ukugunyazwa okudingekayo endaweni ngayinye.
Okuqukethwe eYurophu namaphrojekthi afanayo
Ngendlela efanayo, amabhange ayisishiyagalolunye aseYurophu -CaixaBank, ING, Banca Sella, KBC, Danske Bank, DekaBank, UniCredit, SEB kanye neRaiffeisen Bank- bamemezele iphrojekthi yokukhipha i-stablecoin kuhlanganiswe ne-euro okuhloswe ukuthi kuqale ukusebenza engxenyeni yesibili ka-2026.
Umehluko omkhulu wukuthi lolu hlelo lwase-Europe lunalo isikhathi esinqunyiwe esichazwe kakhudlwana kanye nobubanzi, kuyilapho umfelandawonye lapho u-Santander ehlanganyela khona usesigabeni sokuhlola futhi ucabangela isakhiwo. multi-currency esekelwe G7 zezimali.
Lolu hlelo lukhombisa ukuthi amabhange amakhulu ayaqinisa ukuhlola kwawo imali yamathokheniI-Santander namanye amabhange omhlaba ayisishiyagalolunye bahlola i-stablecoin esekelwe 1:1 yizinhlobo zemali ze-G7, engxoxweni nabalawuli futhi ngokugxila ekuvikelekeni, ekuthobeleni nasekusebenziseni, kuyilapho kusalindwe ukuphothulwa kwemininingwane ebalulekile yobuchwepheshe neyokulawula.