巴西尋求透過引入 DeFi 原則使其 CBDC Drex 獨一無二

巴西正在尋找使其央行發行的數位貨幣（CBDC）Drex 獨一無二的方法。它想到的一種方法是將去中心化金融（DeFi）原理引入其正在進行的 Drex 實驗中。

Brazil is exploring ways to make its central bank-issued digital currency (CBDC) unique by incorporating decentralized finance (DeFi) principles into its ongoing experiment with Drex.

巴西正在探索如何將去中心化金融 (DeFi) 原則納入其正在進行的 Drex 實驗中，使其央行發行的數位貨幣 (CBDC) 獨一無二。

Currently in its developmental phase, Drex is being tested by Banco Central do Brasil, the country's central bank. Like other nations, Brazil is examining how CBDCs can revolutionize banking and payment systems.

目前，Drex 正處於開發階段，正在接受巴西中央銀行的測試。與其他國家一樣，巴西正在研究 CBDC 如何徹底改變銀行和支付系統。

"We wanted to have three dimensions of benefits that you can not get on just a normal CBDC. We wanted to insert the tokenization concept into the balance sheet of the banks," Banco Central do Brasil President Roberto Campos Neto said during a presentation at Markus’ Academy on The Future of Financial Intermediation on Thursday.

巴西中央銀行總裁羅伯托·坎波斯·內托(Roberto Campos Neto) 在Markus 的演講中表示：「我們希望獲得普通CBDC 無法獲得的三個維度的好處。我們希望將代幣化概念插入銀行的資產負債表中。

According to Neto, the goal is to create a multidimensional CBDC that addresses needs that traditional markets cannot. Decentralization, privacy, and programmability are among these crucial aspects.

Neto 表示，目標是創建一個多維的 CBDC，以滿足傳統市場無法滿足的需求。去中心化、隱私和可程式化是這些關鍵面向。

"We wanted to create a CBDC that is decentralized, has privacy, and is programmable to a certain extent, to be able to serve as a settlement layer for tokenized assets and to be able to interact with decentralized applications," he added.

他補充說：“我們希望創建一個去中心化、具有隱私性、並且在一定程度上可編程的 CBDC，能夠作為代幣化資產的結算層，並能夠與去中心化應用程序進行交互。”

Brazil's Double Efforts: Drex CBDC and Open Finance

巴西的雙重努力：Drex CBDC 和開放金融

The central bank is not solely focused on integrating DeFi principles into its CBDC; it is also advancing tokenization initiatives on a national scale through an Open Finance platform.

央行不僅僅專注於將 DeFi 原則融入其 CBDC；它還透過開放金融平台在全國範圍內推進代幣化計劃。

This concept aims to establish a marketplace where users can access a range of financial services, including CBDC transactions, from multiple banks and payment providers. The Open Finance system is expected to foster competition and provide consumers with greater choice in the financial sector.

這個概念旨在建立一個市場，用戶可以從多個銀行和支付提供者存取一系列金融服務，包括 CBDC 交易。開放金融體係有望促進競爭，為消費者在金融領域提供更多選擇。

What's Next?

接下來是什麼？

Having already experimented with decentralization elements in the first phase of the CBDC pilot, Brazil is now working to enhance other aspects of the digital currency to ensure its compatibility with DeFi ecosystems.

巴西已經在 CBDC 試點的第一階段嘗試了去中心化元素，現在正在努力增強數位貨幣的其他方面，以確保其與 DeFi 生態系統的兼容性。

The second phase of the pilot, which is currently underway, will involve digital asset transactions, such as liquidity pools for government bonds and international trade finance.

目前正在進行的第二階段試點將涉及數位資產交易，例如政府債券和國際貿易融資的流動性池。

This phase is anticipated to continue into 2025 as the government strives to perfect the CBDC's interoperability with DeFi.

隨著政府努力完善 CBDC 與 DeFi 的互通性，這一階段預計將持續到 2025 年。

While the Brazilian government is making significant efforts in digital currency, private sector companies are also contributing to Brazil's digital asset landscape.

在巴西政府在數位貨幣領域做出重大努力的同時，私人企業也為巴西的數位資產格局做出了貢獻。

On Thursday, payment network Ripple announced a partnership with Mercado Bitcoin, a Brazilian exchange, to facilitate faster and more cost-effective cross-border payments using RippleNet and XRP.

週四，支付網路 Ripple 宣布與巴西交易所 Mercado Bitcoin 建立合作夥伴關係，以促進使用 RippleNet 和 XRP 進行更快且更具成本效益的跨境支付。

These combined endeavors from both the public and private sectors have the potential to propel Brazil to the forefront of digital finance globally.

公共和私營部門的共同努力有可能推動巴西走在全球數位金融的前沿。