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本帖最后由 shimu123 于 2023-4-8 17:12 编辑
It seems that Brazil is about to reach the end of the hegemony of money, as we know it, in bank notes and coins. Not only because discussions on the implementation of Real Digital are advanced, as we will see below, but also because the population is already receptive to the digital use of the official Brazilian currency. In this second part of the Capterra survey on cryptocurrencies, the data indicated that 6 out of 10 Brazilians believe that a digital currency issued by the Central Bank (BC) would be good for themselves and for the economy in general. It is a version of Real that could also be used in offline and online operations. In the survey, 999 people from all over the country were heard, who invest or not in cryptocurrencies, and with different degrees of knowledge on the subject (check out the complete methodology at the end of the text).
An introduction to the digital Real Currently, in Brazil, a series of discussions are on the agenda about the creation and consequent implementation of the Brazilian digital currency, called Real Digital. According to BC, Real Digital would be a kind of CBDC , not a cryptocurrency. This means that the distribution of Real Digital would be intermediated by official financial institutions , with a guarantee of privacy and security. The BC would issue the same Real Phone Number List issued in banknotes in digital format, which could help reduce the costs of generating physical currency and create a more efficient monetary system for Brazil. This directly influences the range of payment types that businesses can accept via the payment system for business transactions.
What is a CBDC? The term CBDC (Central Bank Digital Currency, or “central bank digital currency” in Portuguese translation) defines the digital versions of fiduciary currencies. What changes in relation to traditional coins is the way they are issued , which only exists in digital and does not require the printing of coins in cash. However, other particularities remain the same as physical currencies: CBDCs are officially regulated, traceable and stable. Around the world, around 50 central banks are discussing the launch of a CBDC, with the Bahamas being the first country to launch a CBDC , the sand dollar (“sand dollar”, in Portuguese). However, it is important to highlight that, even if they are enthusiastic about the Brazilian digital currency, 70% of respondents to the Capterra survey showed some kind of concern about the launch of a Brazilian CBDC.
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发表于 2023-4-8 17:08:24
