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英国将研究用于代币化 CBDC 的硬件钱包

2021-9-4 11:08

 

今天,NTT Data的子公司Everis宣布了Fire项目,该项目将探索允许消费者持有中央银行数字货币(CBDC)的硬件设备的使用。该项目的其他参与者包括英格兰银行、英国标准协会(BSI)、伦敦大学学院(UCL)和爱丁堡大学。


伦敦大学学院是多所大学PETRAS物联网系统网络安全国家卓越中心的所在地,该中心为该项目提供资金。


该项目更多的是关于思想领导力,而不是为英国CBDC设计一个具体的解决方案,英国CBDC尚未就主权数字货币做出决定。


任何CBDC设计中的一个关键选择是它是基于帐户还是基于令牌。代币被视为潜在地提供了更大程度的隐私,因为作为一种持票工具,较小数额的代币可能不需要与身份关联。这样的CBDC可以由银行或PayPal等钱包提供商存储在托管钱包中,也可以由个人以类似于现金的方式自行保管。


并不是所有人都想在智能手机中使用CBDC。智能卡是一种带有小按钮的借记卡,也可以充当CBDC硬件钱包。在中国的CBDC试点中,有些卡看起来不像典型的借记卡,而是一些有趣的形状,比如钥匙扣装饰。

 


根据设计,代币提供了一个更大的机会,在没有消费者习惯的完整数字痕迹的情况下复制现金的一些功能。


隐私通常被认为是有利的,但这不仅仅是为了避免让社交媒体知道你是怎么花钱的。在未来,每个人的交易都是可见的,并与身份有关,这可能导致大规模的价格歧视。在一些国家,价格可以根据这一知识进行调整。


在一个不那么仁慈的社会,你可以想象整个群体都被禁止持有CBDC。


伦敦大学学院(UCL)研究助理杰弗里·古德尔(Geoffrey Goodell)表示,数字支付“会给消费者的隐私、可访问性和公平性带来新的威胁,也会给政府的货币主权和国家安全带来新的风险。”


“通过向消费者提供一种在廉价设备上直接持有代表央行义务的代币的方式,非托管数字货币提供了一个实现好处而不造成伤害的机会。通过FIRE项目,我们将探索消费者和企业将如何与非托管数字货币互动,包括设备、流程以及与现有金融基础设施和服务的接口。”


FIRE是未来零售汇款基础设施的缩写。

 

Today Everis, Part of NTT Data, announced Project Fire which will explore the use of hardware devices that allow consumers to hold central bank digital currencies (CBDC). Other participants in the project include the Bank of England, British Standards Institution (BSI), University College London (UCL), and the University of Edinburgh.

UCL is home to the multi-university PETRAS National Centre of Excellence for IoT Systems Cybersecurity, which is funding the project.

The project is more about thought leadership than designing a specific solution for the UK’s CBDC, where a decision on a sovereign digital currency has not yet been made.

A key choice in the design of any CBDC is whether it would be account or token-based. Tokens are seen as potentially offering a greater degree of privacy because, as a bearer instrument, smaller amounts may not need to be associated with an identity. Such a CBDC could either be stored in a custodial wallet by a bank or wallet provider like PayPal, or self custodied by individuals in a similar way to cash. 

Not everyone will want to hold the CBDC in a smartphone. Smart cards, which are debit cards with tiny buttons, could also act as CBDC hardware wallets. In China’s CBDC pilots, some of these don’t look like your typical debit cards, but instead are fun shapes like keyring decorations.

digital yuan esecucard
A smart card CBDC hardware wallet being used in digital yuan trials

Depending on the design, a token offers a bigger chance of replicating some of the features of cash without a full digital trail of consumer habits.

Privacy is often discussed as advantageous, but it’s not just about avoiding social media networks knowing how you spend your money. A future where everyone’s transactions are visible and connected to identities could result in mass price discrimination. In some countries, prices could be adjusted based on that knowledge.

And in a less benevolent society, one can imagine entire groups of people being blocked from holding a CBDC.

Digital payments can “introduce new threats to privacy, accessibility, and fairness for consumers, as well as new risks to monetary sovereignty and national security for governments,” said Geoffrey Goodell, Research Associate at UCL. 

“By offering consumers a way to directly hold tokens representing obligations of the central bank on inexpensive devices, non-custodial digital currency offers a chance to realise the benefits without incurring the harms. Through the FIRE project, we shall explore how consumers and businesses will interact with non-custodial digital currency, including the devices, the processes, and the interfaces to existing financial infrastructure and services.”

FIRE is short for Future Infrastructure for Retail Remittances.

 

来自: Ledger Insights