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万事达卡推出中央银行数字货币测试平台

2020-9-11 13:58

 

今天,万事达宣布启动一个平台,使中央银行数字货币(CBDC)的测试成为可能。


随着各国央行对CBDC的兴趣日益浓厚,众多私营企业也纷纷站出来提供解决方案。从埃森哲(Accenture)和SAP合作实现标记式实时总结算(RTGS)系统,到像consensus这样的咨询公司,他们都参与其中。像Cypherium这样的区块链协议正试图挤入对话。

 

创新的虚拟和定制测试平台允许中央银行通过模拟CBDC生态系统来评估用例和测试CBDC的推出策略

中央银行、商业银行、技术和咨询公司被邀请与万事达合作,评估CBDCs在一个国家或地区的适用性


随着全球经济竞相拥抱数字支付,各国央行也在展望未来,研究如何在发行和分发货币的同时,支持创新,同时保持货币政策和金融稳定。事实上,根据国际清算银行最近的一项调查,80%的接受调查的中央银行正在从事某种形式的中央银行数字货币(CBDCs)工作,大约40%的中央银行已经从概念研究发展到概念和设计的实验。


今天,万事达卡宣布了一个专有的虚拟测试环境,用于中央银行评估CBDC用例。该平台实现了银行、金融服务提供商和消费者之间CBDCs的发行、分发和交换模拟。中央银行,商业银行,技术和咨询公司被邀请与万事达合作,评估CBDC技术设计,验证用例,评估与现有支付rails的互操作性,目前消费者和企业可用。


万事达卡在运营多种支付轨道和召集合作伙伴方面处于领先地位,以确保为所有人——从银行、企业到移动网络运营商——提供一个公平的竞争环境,以便将尽可能多的人带入数字经济。万事达卡希望利用其专业知识,使数字货币的发展切实、安全和可靠。


万事达卡负责数字资产和区块链产品与合作伙伴的执行副总裁Raj Dhamodharan说:“各国央行已经加快了他们对数字货币的探索,目标多种多样,从促进金融包容性到现代化支付生态系统。”“万事达卡与公共部门、银行、金融科技和咨询公司合作,与符合我们核心价值观和原则的合作伙伴共同探索CBDCs,推动创新。”这个新平台支持各国央行在当前和未来就地方和区域经济的前进道路作出决策。”


希拉·沃伦区块链,数字资产和数据政策在世界经济论坛上,说:“公共和私营部门之间的合作勘探的中央银行电子货币可以帮助中央银行更好地理解技术可能性的范围和功能对CBDCs可用。各国央行可以从这些支持中获益,包括探索与cbdc相关的选项集,以及了解可能出现的机会。”


cbdc被设计成与一国的纸币等值,并受到相同的政府支持的担保。除了印刷钞票,央行还可以发行CBDCs,将其作为一国法定货币的数字代表。

开车可伸缩的创新


尽管存在多种潜在的运营模式,但主要的方式是央行通过商业银行和其他有许可证的支付提供商发行和分销货币,包括数字货币。万事达卡了解各国央行在探索地区性贸易和发展中国家方面的不同,平台随时准备探索地区性贸易和发展中国家是否符合地区或国家的需求。虚拟平台可以根据中央银行运行的环境进行个性化定制,允许他们:


模拟CBDC与银行和消费者之间的发行、分发和交换生态系统,包括CBDC如何与现有的支付网络和基础设施(如银行卡和实时支付)交互。

演示消费者如何使用CBDC在世界各地接受万事达卡的任何地方支付商品和服务。

检查各种CBDC技术设计和用例,以更快地确定在市场中的价值和可行性。

评估CBDC的开发工作,包括技术构建、安全性以及设计和操作的早期测试。


未来的央行数字货币

 


万事达承诺支持各国央行选择的现代化支付方式,因为它们正在寻找与现有支付方式无缝集成的解决方案。该公司致力于在公共和私营部门之间建立伙伴关系,共同改变人们和企业的交易方式。

 

Today Mastercard announced the launch of a platform to enable the testing of central bank digital currencies (CBDC).

As central banks have become more interested in CBDC, numerous private sector firms have stepped up to offer solutions. They range from Accenture and SAP collaborating to enable tokenized real time gross settlement (RTGS) systems, to consultants such as ConsenSys. And blockchain protocols like Cypherium are trying to elbow their way into the conversation.

  • Innovative virtual and custom testing platform allows central banks to evaluate use cases and test roll-out strategies for CBDCs by simulating a CBDC ecosystem
  • Central banks, commercial banks, and tech and advisory firms invited to partner with Mastercard to evaluate the suitability of CBDCs in a country or region

With the global economy racing to embrace digital payments, central banks also are looking to the future and investigating how to support innovation while maintaining monetary policy and financial stability as they issue and distribute currency. In fact, 80 percent of central banks surveyed are engaging in some form of Central Bank Digital Currencies (CBDCs) work, and about 40 percent of central banks have progressed from conceptual research to experimenting with concept and design, according to a recent survey by the Bank for International Settlements.

Today, Mastercard announced a proprietary virtual testing environment for central banks to evaluate CBDC use cases. The platform enables the simulation of issuance, distribution and exchange of CBDCs between banks, financial service providers and consumers. Central banks, commercial banks, and tech and advisory firms are invited to partner with Mastercard to assess CBDC tech designs, validate use cases and evaluate interoperability with existing payment rails available for consumers and businesses today.

Mastercard is a leader in operating multiple payment rails and convening partners to ensure a level playing field for everyone – from banks to businesses to mobile network operators – in order to bring the most people possible into the digital economy. Mastercard wants to harness its expertise to enable the practical, safe and secure development of digital currencies.

“Central banks have accelerated their exploration of digital currencies with a variety of objectives, from fostering financial inclusion to modernizing the payments ecosystem,” said Raj Dhamodharan, Executive Vice President, Digital Asset and Blockchain Products and Partnerships, Mastercard. “Mastercard is driving innovation with the public sector, banks, fintechs, and advisory firms in the exploration of CBDCs, working with partners that are aligned to our core values and principles. This new platform supports central banks as they make decisions now and in the future about the path forward for local and regional economies,” Dhamodharan added.

Sheila Warren, Head of Blockchain, Digital Assets and Data Policy at the World Economic Forum, said: “Collaborations between the public and private sectors in the exploration of Central Bank Digital Currencies can help central banks better understand the range of technology possibilities and capabilities available with respect to CBDCs. Central banks can benefit from support in exploring the option set available to them with respect to CBDCs, as well as gaining insight into what opportunities may be forthcoming.”

CBDCs are designed to be equivalent in value to a nation’s paper currency and subject to the same government-backed guarantees. In addition to printing money, central banks can issue CBDCs as a digital representation of a country’s fiat currency.

Driving Scalable Innovation

While a variety of potential operating models exist, the primary approach sees central banks issuing and distributing currency, including digital currencies, through commercial banks and other licensed payments providers. Mastercard understands every central bank differs in its exploration of CBDCs, and the platform stands ready to explore whether CBDCs fit with the needs of a region or country. The virtual platform can be individually customized to the environment in which the central bank operates, allowing them to:

  • Simulate a CBDC issuance, distribution and exchange ecosystem with banks and consumers, including how a CBDC can interface with existing payment networks and infrastructures – e.g., cards and real time payments.
  • Demonstrate how a CBDC can be used by a consumer to pay for goods and services anywhere Mastercard is accepted around the world.
  • Examine various CBDC technology designs and use cases to more quickly determine value and feasibility in a market.
  • Evaluate CBDC development efforts including the technical build, security and early testing of the design and operations.

Central Bank Digital Currencies of the Future

Mastercard is committed to supporting central banks in their chosen path to modernize payments as they look for solutions that seamlessly integrate with existing ways to pay. The company is committed to forging partnerships between public and private sectors to together transform the way people and businesses transact.

 

来自: Ledger Insights