巴西寻求通过引入 DeFi 原则使其 CBDC Drex 独一无二

巴西正在寻找使其央行发行的数字货币（CBDC）Drex 独一无二的方法。它想到的一种方法是将去中心化金融（DeFi）原理引入其正在进行的 Drex 实验中。

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.

巴西正在探索如何将去中心化金融 (DeFi) 原则纳入其正在进行的 Drex 实验中，使其央行发行的数字货币 (CBDC) 独一无二。

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 正处于开发阶段，正在接受巴西中央银行的测试。与其他国家一样，巴西正在研究 CBDC 如何彻底改变银行和支付系统。

"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.

巴西中央银行总裁罗伯托·坎波斯·内托 (Roberto Campos Neto) 在 Markus 的演讲中表示：“我们希望获得普通 CBDC 无法获得的三个维度的好处。我们希望将代币化概念插入银行的资产负债表中。”周四召开关于金融中介未来的学术会议。

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，目标是创建一个多维的 CBDC，以满足传统市场无法满足的需求。去中心化、隐私和可编程性是这些关键方面。

"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.

他补充道：“我们希望创建一个去中心化、具有隐私性、并且在一定程度上可编程的 CBDC，能够作为代币化资产的结算层，并能够与去中心化应用程序进行交互。”

Brazil's Double Efforts: Drex CBDC and Open Finance

巴西的双重努力：Drex CBDC 和开放金融

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.

央行不仅仅专注于将 DeFi 原则融入其 CBDC；它还通过开放金融平台在全国范围内推进代币化计划。

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.

这一概念旨在建立一个市场，用户可以从多个银行和支付提供商那里访问一系列金融服务，包括 CBDC 交易。开放金融体系有望促进竞争，为消费者在金融领域提供更多选择。

What's Next?

接下来是什么？

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.

巴西已经在 CBDC 试点的第一阶段尝试了去中心化元素，现在正在努力增强数字货币的其他方面，以确保其与 DeFi 生态系统的兼容性。

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.

目前正在进行的第二阶段试点将涉及数字资产交易，例如政府债券和国际贸易融资的流动性池。

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

随着政府努力完善 CBDC 与 DeFi 的互操作性，这一阶段预计将持续到 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.

在巴西政府在数字货币领域做出重大努力的同时，私营企业也为巴西的数字资产格局做出了贡献。

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.

周四，支付网络 Ripple 宣布与巴西交易所 Mercado Bitcoin 建立合作伙伴关系，以促进使用 RippleNet 和 XRP 进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.

公共和私营部门的共同努力有可能推动巴西走在全球数字金融的前沿。