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瑞波币希望加入中央银行数字货币

2021-3-6 18:35

 

昨天,Ripple发表了一篇博客文章,称它正在试用开源XRP账本的私人版本,为央行数字货币提供解决方案。众多技术、咨询和支付公司都在竞相为有利可图的长期交易提供央行数字货币(CBDC)解决方案。其中最引人注目的是万事达卡。


Ripple表示,“分布式账本技术(DLT)将是大多数cbdc的基础,就像它对今天的加密货币一样。”我们不认为这是必然的结果。虽然许多中央银行看到了DLT的优势,但他们也表达了对与现有基础设施和可伸缩性问题相比的新奇性的担忧。


在可伸缩性问题上,Ripple宣称其解决方案旨在发行加密货币和支付。该公司声称,它可以扩展到每秒数万笔交易,甚至可能达到每秒数十万笔交易。它还指出,比特币的能源效率是比特币的6.1万倍。但当时各国央行不打算使用比特币。


Ripple的另一个优点是该解决方案包含了RippleNet。瑞波币分类帐主要吸引的是转账公司,但很少有银行。相比之下,有几家大银行使用了RippleNet,并对该技术表示了积极的评价。日本国家银行(SBI)基于银行间支付系统的技术打造了MoneyTap。印度国家银行甚至正在开发由Ripple技术驱动的自动取款机。鉴于大多数央行都计划让商业银行参与进来,这方面的知识和认可可能会很强大。


Ripple还宣传了互操作性的潜力,并提出了CBDC账本网络,以实现完全的结算互操作性。四家央行最近宣布了一个多CBDC桥梁项目,以探索互操作性。


事实上,对于一些中央银行来说,Ripple的技术可能是一种有效的技术选择。到目前为止,我们还没有意识到它被用于这个目的。

涟漪贱民?


然而,瑞波的最大问题是光学。有多少央行愿意与一家与美国证券交易委员会(SEC)就瑞波币是否为证券而展开法律斗争的公司打交道?此外,如果Ripple输掉了与美国证券交易委员会的官司,该公司可能会因私人法律诉讼而陷入困境。这种不确定性足以让保守的央行官员们望而却步。


但是有两种可能的方法来回避这个问题。首先,如果Ripple认真对待CBDC并收到正确的反馈,它可以成立一个子公司或单独的公司来做这件事。如果美国证券交易委员会(SEC)的诉讼出现问题,瑞波可能会收购这家公司。


但该技术也是开源的,因此央行或许可以直接试用。虽然它没有必要的隐私调整,但由于Ripple的设计,将其从公共网络转变为私有网络的能力应该很简单。XRP分类帐有一个唯一的节点列表,它是一组受信任的服务器。央行可以控制这个列表。这应该足以测试解决方案是否具有足够的可扩展性。

竞争


许多技术都在竞争成为CBDC的候选技术。在区块链方面,R3的Corda和以太坊是目前在试验中提到最多的两个。Stellar已经在与乌克兰合作。另一个可扩展的公共DLT解决方案是Hedera,它吸引了支付公司FIS (WorldPay)和澳大利亚的eftpos。然而,Hedera不是开源的。

Yesterday Ripple published a blog post saying it’s piloting a private version of the open-source XRP Ledger to provide central banks with a solution for central bank digital currencies. Numerous technology, consulting and payments firms are vying to provide central banks digital currency (CBDC) solutions for what will be lucrative long-term deals. One of the highest-profile ones is Mastercard.

Ripple says that “distributed ledger technology (DLT) will be the basis for most CBDCs, just as it is for today’s cryptocurrencies”. We don’t believe that’s a foregone conclusion. While many central banks see the advantages of DLT they’ve also voiced concerns about the novelty compared to existing infrastructures and the scalability issues.

This scalability issue is where Ripple makes its pitch that its solution is designed to issue cryptocurrencies and for payments. The company claims it can scale to tens of thousands of transactions per second and potentially hundreds of thousands in time. It also notes that it’s 61,000 times more efficient energy-wise than Bitcoin. But then central banks weren’t about to use Bitcoin.

Another point in Ripple’s favor is the solution incorporates RippleNet. XRP Ledger has appealed mainly to money transfer companies but very few banks. In contrast, RippleNet is used by several big banks who say positive things about the technology. Japan’s SBI has built out MoneyTap based on the technology which acts as an interbank payment system. SBI is even developing ATMs powered by Ripple tech. Given most central banks plan to involve commercial banks, that knowledge and endorsement could be powerful.

Ripple also touts the potential for interoperability and proposes a network of CBDC Ledgers to enable full settlement interoperability. Four central banks recently announced a multi CBDC bridge project to explore interoperability.

In reality, Ripple’s technology may well be a valid technical option for some central banks. We’re not aware of it being tried out for this purpose so far.
Is Ripple untouchable?

However, the big problem Ripple has is optics. How many central banks will be willing to engage with a company that’s in a legal battle with the SEC about whether XRP is a security? Moreover, if Ripple loses its SEC battle, the company could be crippled by private legal claims. That uncertainty is enough to put off conservative central bankers.

But there are two possible ways of getting around the issue. Firstly, if Ripple is serious about CBDC and receives the right kind of feedback, it could set up a subsidiary or separate company to do this. One that could potentially be acquired if things go pear-shaped for Ripple with the SEC lawsuit.

But the technology is also open source, so perhaps the central banks could try it out directly. While it wouldn’t have the required privacy adaptations, the ability to turn it from a public to private network should be simple because of Ripple’s design. XRP Ledger has a Unique Node List which is a trusted set of servers. The central bank can simply control this list. That should be enough to test whether the solution is sufficiently scalable.
Competition

Many technologies are vying to be the ones chosen for a CBDC. In terms of blockchain, R3’s Corda and Ethereum have been the two most mentioned in trials so far.   Stellar is already working with Ukraine. Another scalable public DLT solution is Hedera which has attracted payments firms FIS (WorldPay) and Australia’s eftpos. However, Hedera is not open source.

来自: Ledger Insights