Hongkong esitleb digitaalse valuuta prototüüpi, Projekt Kuld

Hongkongi finantsasutused avalikustasid Hiina autonoomse territooriumi enda keskpanga digitaalvaluuta prototüübi Project Aurum. Kahetasandiline platvorm sisaldab pankadevahelise hulgimüügi ja jaemüügi e-rahakoti süsteemi, osalejad paljastasid.

Sisu

Hong Kong to Issue Retail Tokens and Stablecoins as Part of Project Aurum

A collaboration between the BIS Innovation Hub Hong Kong Centre, the Hong Kong Monetary Authority (HKMA), and the Hong Kong Applied Science and Technology Research Institute has produced a prototype of Hong Kong’s upcoming digital currency, the Bank for International Settlements (BIS) teatas.

Project Aurum is a full-stack, front-end and back-end, keskpanga digitaalne valuuta (CBDC) system comprising a wholesale interbank system and a retail e-wallet system, the international financial institution explained in a press release this week.

Participants in Aurum want to launch two different types of digital tokens. The first kind will be an intermediated digital currency while the second one will be a CBDC-backed stablecoin circulated in the interbank system. The BIS remarked:

The latter is unique in the study of CBDC to date. Privaatsus, safety and flexibility are core to the system.

“Bringing CBDC-backed stablecoins to life has never been done before and we, therefore, felt that doing so may supplement the growing body of research on private sector stablecoins,” the project’s authors elaborate. They further explain that in contrast with private stablecoins, Aurum’s stablecoin balances are reconciled, versus real-time gross settlement balances of the issuing bank with the central bank.

The developers believe that the system of CBDC-backed stablecoins can be used by monetary authorities when they try to work out the regulatory approaches in regard to private sector stablecoins, “especially while seeking to design methods to verify the backing of the stablecoins, a highly topical matter.” Just like with its fiat currency, three of Hong Kong’s financial institutions will be authorized to issue state-backed digital coins.

Hongkong, one of the world’s major financial centers, has been intensifying efforts to catch up with others on the CBDC development front, including mainland China which has been expanding the digital yuan (e-CNY) piloot. The Chinese special administrative region started exploring the issuance of its own CBDC in March 2021.

In September of this year, the HKMA ütles that it was preparing to trial a digital version of the Hong Kong dollar (e-HKD) in the coming months. The monetary authority also took part in katsumused of cross-border CBDC transactions with the People’s Bank of China and the central banks of Thailand and the United Arab Emirates.

Sildid selles loos
halduspiirkond, Pank, pangad, BIS, CBDC, CBDC-d, Keskpank, Hiina, Digitaalne valuuta, Digitaalne jüaan, Dollar, e-CNY, e-HKD, HKMA, Hongkong, Hongkongi dollar, rahaasutus, jaemüük, Stabiilsed mündid, Stabiilsed mündid, Hulgimüük

Do you expect Hong Kong to issue its digital currency in the near future? Rääkige meile allpool olevas kommentaaride jaotises.

Lubomir Tassev

Lubomir Tassev on tehnikatundlik Ida-Euroopa ajakirjanik, kellele Hitchensi tsitaat meeldib: "Kirjanikuks olemine on see, mis ma olen, selle asemel, mida ma teen." Peale krüpto, blockchain ja fintech, rahvusvaheline poliitika ja majandus on veel kaks inspiratsiooniallikat.




Pildi autorid: Shutterstock, Pixabay, Wiki Commons