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柬埔寨央行公布马来西亚跨境数字货币支付

2021-8-15 16:46


本周,柬埔寨国家银行(NBC)和马来西亚银行Maybank推出了一项移动跨境汇款服务。柬埔寨的支付系统Bakong使用准中央银行数字货币(CBDC),该系统的用户现在可以从马来西亚的Maybank的MAE应用客户那里获得高达2500美元的资金,成本更低,而且是实时的。


在研究cbdc时,改善跨境交易是许多央行的主要动力。这是因为很大一部分国际汇款是人们寄钱回家的。


根据世界银行的数据,2020年,世界各地的汇款总额为7020亿美元,其中5400亿美元是流向低收入和中等收入国家。


然而,尽管需求旺盛,但汇款通常缓慢、昂贵,而且费用因人而异,取决于地区、提供者或通道。


CBDC解决方案可以从根本上降低成本。在这种情况下,Maybank只收取“最低服务费”。


数字解决方案还将解决身份验证的共同问题。Maybank-Bakong跨境转账服务无需银行账户,只需使用在Bakong电子钱包注册的收件人的手机号码。但是,只要创建了“巴公钱包”,就会在后台设置一个银行账户。这是柬埔寨解决其大部分无银行账户的人口支付问题的方法之一。


该项目的第一阶段只允许从马来西亚到柬埔寨的单程美元付款。


“巴贡的主要原因之一是让人们更容易地使用当地货币,更方便。因此,我们最终希望看到的是从(马来西亚的)林吉特直接转换为(柬埔寨的)里尔。”


严格来说,Bakong是一个基于区块链的中央银行支付系统,使用数字货币。一些人将其称为“准cbdc”。它不是传统的CBDC,因为许多支付不是在当地里尔,而且钱包与银行账户相关联。


与此同时,本周,据透露,韩国银行也将推进其跨境CBDC试验,三星将参与其中,研究向其他手机或连接银行账户的跨境支付。


在本周做出的其他针对特定国家的CBDC决定中,加纳银行宣布已与德国的Giesecke和Devrient签署了一份合同,以试点其e-Cedi。

This week, the National Bank of Cambodia (NBC) and Malaysian bank Maybank  launched a mobile cross border remittance service. Users of Bakong – Cambodia’s payment system that uses a quasi central bank digital currency (CBDC) – can now receive funds of up to USD $2,500 from Maybank’s MAE app customers in Malaysia at a lower cost and in real-time.

When it comes to researching CBDCs, improving cross-border transactions is a key motivation for many central banks. This is because a large proportion of international remittances is made from people sending money back home.

In 2020, the total value of remittances across the world totaled $702 billion, of which $540 billion was to low and middle-income countries, according to figures from the World Bank.

Yet despite the high demand, remittances are typically slow, expensive and subject to variable fees, depending on the region, provider or corridor.

A CBDC solution can radically reduce the costs. In this case, there is a “minimal service fee’ from Maybank.

A digital solution would also tackle the common problem of identity verification. The Maybank-Bakong cross-border transfer service eliminates the need for bank accounts, using just the mobile phone numbers of recipients registered with the Bakong e-wallet. However, whenever a Bakong wallet is created, a bank account is set up in the background. This is one of the ways Cambodia is addressing payments for its largely unbanked population.

The first phase of the project only allows for payments to be made one way from Malaysia in Ringgits to Cambodia in U.S. dollars.

“One of the main reasons for Bakong is to make usage of the local currency easier for the people, more convenient. And so ultimately what we want to see is direct conversion from (Malaysia’s) Ringgit to (Cambodia’s) Riel,” said Dr. Chea Serey, Assistant Governor of the National Bank of Cambodia (NBC).

Strictly speaking, Bakong is a blockchain-based central bank payment system that uses digital currency. Some label it as a ‘quasi-CBDC’. It’s not a conventional CBDC because many payments are not in local Riel and the wallets are linked to bank accounts.

Meanwhile, this week, it was revealed that the Bank of Korea will also be advancing its cross-border CBDC trials with participation from Samsung, which will research cross-border payments to other mobile phones or connected bank accounts.

In other country-specific CBDC decisions this week, the Bank of Ghana announced it has signed a contract with German’s Giesecke and Devrient to pilot its e-Cedi.


来自: Ledger Insights