|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
可编程货币是一个革命性的概念,旨在通过实现无缝证券结算、代币化存款来增强货币和金融体系
Programmable money is a revolutionary concept poised to enhance monetary and financial systems by enabling seamless securities settlements, tokenised deposits, and regulatory compliance embedded within transactions. Central banks worldwide are exploring its potential through pilots and adoption programmes. For instance, the European Central Bank (ECB) is investigating the potential of a digital euro, which could incorporate programmable features for more controlled and purpose-specific transactions.
可编程货币是一个革命性的概念,旨在通过实现无缝证券结算、代币化存款和交易中嵌入的监管合规性来增强货币和金融体系。世界各地的中央银行正在通过试点和采用计划来探索其潜力。例如,欧洲中央银行(ECB)正在研究数字欧元的潜力,它可以包含可编程功能,以实现更受控制和针对特定目的的交易。
In this article, we’ll dive into the transformative promise of programmable money and the vast opportunities it unlocks.
在本文中,我们将深入探讨可编程货币的变革前景及其带来的巨大机遇。
Understanding programmable money and how it works There are various conditions that can be attached to programmable money. Using contractual agreements, it is even possible to incorporate monetary policies into programmable money and create stability by making rule-based adjustments to interest and inflation rates etc. Or, in the retail context, parents can allocate a portion of their children’s pocket money to healthy snacks, to limit the consumption of junk food.
了解可编程货币及其工作原理 可编程货币可以附加多种条件。使用合同协议,甚至可以将货币政策纳入可编程货币,并通过对利率和通货膨胀率等进行基于规则的调整来创造稳定性。或者,在零售环境中,父母可以将孩子的一部分零用钱分配给健康的人。零食,限制垃圾食品的消费。
Programmable money can be understood as a monetary system that can be programmed with predefined rules and conditions, dictating the terms of its usage. According to JP Morgan, “programmable money takes things a step further by embedding rules directly within the store of value itself. These rules dictate or restrict the usage of money, introducing new levels of control and security.” This controlled usage differentiates it from other forms of digital monetary systems.
可编程货币可以理解为一种货币系统,可以用预定义的规则和条件进行编程,规定其使用条款。摩根大通表示,“可编程货币通过将规则直接嵌入价值存储本身,使事情更进一步。这些规则规定或限制了资金的使用,引入了新的控制和安全级别。”这种受控使用使其有别于其他形式的数字货币系统。
Structurally, programmable money can be viewed as an automated monetary system executed via a smart contract on a distributed ledger system, such as blockchain. It is integrated with decentralised applications running on network infrastructures in order to leverage services, such as NFT (non-fungible tokens), marketplaces and DeFi (decentralised finance) platforms. It also enables tokenisation, that is, the representation of various assets on a distributed ledger using tokens. Oracles – intermediaries connecting contracts on a distributed ledger with external data sources – ensure that the integrated logic-based conditions of use are met.
从结构上讲,可编程货币可以被视为通过分布式账本系统(例如区块链)上的智能合约执行的自动化货币系统。它与在网络基础设施上运行的去中心化应用程序集成,以利用 NFT(不可替代代币)、市场和 DeFi(去中心化金融)平台等服务。它还支持代币化,即使用代币在分布式账本上表示各种资产。预言机——将分布式账本上的合约与外部数据源连接起来的中介——确保满足基于集成逻辑的使用条件。
A programme of advantage Embedding logic into the value of programmable money produces several advantages, ranging from better user experiences to more transparent, efficient, and accessible financial services to prevention of duplicate spending.
优势计划将逻辑嵌入可编程货币的价值中会产生多种优势,从更好的用户体验到更透明、更高效、更方便的金融服务,再到防止重复支出。
Here is a list of advantages and potential opportunities that programmable money brings:
以下是可编程货币带来的优势和潜在机会的列表:
Transparency and auditability Programmable money improves transparency and auditability of transactions by providing a ledger of financial transactions and direct access to transaction history. Extensive monitoring functionality guards against money laundering and other nefarious financial activity, including the siphoning of money from government benefit programs by unscrupulous intermediaries.
透明度和可审计性可编程货币通过提供金融交易分类账和直接访问交易历史记录来提高交易的透明度和可审计性。广泛的监控功能可以防止洗钱和其他邪恶的金融活动,包括不道德的中介机构从政府福利计划中挪用资金。
Greater efficiency, cost optimisation The synchronisation of contractual obligations and payment streamlines transactions across multiple tiers. The usage of automated smart contracts without intermediaries increases transaction efficiency and reduces both human effort and error. For instance, programmable money can help integrate payment and trade data into a single instrument, doing away with the two disparate processes currently being used, and eliminating chances of discrepancy. Using smart contracts for currency conversion and transactions in cross-border payments can save significant costs and processing time.
更高的效率,成本优化合同义务和付款的同步简化了多层交易。使用无需中介的自动化智能合约可以提高交易效率并减少人力和错误。例如,可编程货币可以帮助将支付和交易数据集成到单一工具中,消除当前使用的两个不同的流程,并消除出现差异的可能性。在跨境支付中使用智能合约进行货币兑换和交易可以节省大量成本和处理时间。
Even corporate treasury management can benefit from programmable money, which connects payment, identity and real-time data to prevent mismanagement of company funds, reducing the need for manual monitoring.
即使是企业财务管理也可以从可编程资金中受益,该资金将支付、身份和实时数据连接起来,以防止公司资金管理不善,从而减少手动监控的需要。
Innovation and customisation Programmable money can support the creation of innovative financial instruments and decentralised applications, providing a foundation for new business models. In fact, programmable monetary platforms can be viewed as the “Airbnb of the financial sector”, as they facilitate direct connections between customers and providers – in this case, borrowers and lenders – free of intermediaries, red tape and other barriers.
创新和定制可编程货币可以支持创新金融工具和去中心化应用程序的创建,为新的商业模式奠定基础。事实上,可编程货币平台可以被视为“金融领域的 Airbnb”,因为它们促进了客户和提供商(在本例中为借款人和贷方)之间的直接联系,没有中介机构、繁文缛节和其他障碍。
Furthermore, compared to conventional currencies, programmable money allows much more customization to enable new investment strategies, innovative financial instruments, and better governance.
此外,与传统货币相比,可编程货币允许更多的定制,以实现新的投资策略、创新的金融工具和更好的治理。
Lower counterparty risk Smart contracts, programmed to execute subject to preconditions, without need for an intermediary, reduce counterparty risk. They can transform supply chain transaction settlement by ensuring all conditions of supply and payment are met. It also enables traceability that fosters better trust between parties, protection against fraud, and fewer disputes.
降低交易对手风险 智能合约经过编程,可以在先决条件下执行,无需中介机构,可以降低交易对手风险。他们可以通过确保满足所有供应和支付条件来转变供应链交易结算。它还可以实现可追溯性,从而促进各方之间更好的信任、防止欺诈并减少纠纷。
Ecosystem integration By promoting data and value transfer between networks and platforms, programmable money fosters interoperability and an accessible, interconnected financial ecosystem. For example, it can connect healthcare participants to simplify medical payments and insurance claims, and also ensure responsible management of patient data.
生态系统集成 通过促进网络和平台之间的数据和价值转移,可编程货币促进了互操作性和可访问、互连的金融生态系统。例如,它可以连接医疗保健参与者以简化医疗支付和保险索赔,并确保对患者数据进行负责任的管理。
Here is another use case for ecosystem integration: programmable money can be used to make payments for acquiring a share in tokenised high-value assets, such as artworks by famous painters, prized real estate, or even high-end sports cars; gamers can use it to purchase NFTs to buy or trade in-game collectibles. All of this strengthens the creator ecosystem by protecting intellectual property and ownership rights and facilitating the distribution of payments to content creators.
这是生态系统整合的另一个用例:可编程货币可用于支付购买代币化高价值资产份额的费用,例如著名画家的艺术品、珍贵的房地产,甚至高端跑车;游戏玩家可以用它购买 NFT 来购买或交易游戏内收藏品。所有这些都通过保护知识产权和所有权以及促进向内容创作者分配付款来加强创作者生态系统。
CBDCs: the big opportunity One of the biggest opportunities for programmable money is the Central Bank Digital Currency (CBDC) – the digital form of a nation’s fiat currency that is regulated by its central bank.
CBDC:巨大机遇可编程货币的最大机遇之一是中央银行数字货币(CBDC)——由中央银行监管的国家法定货币的数字形式。
Offering myriad advantages, including faster payments, cheaper cross-border transactions, and “no physical manufacturing”, CBDCs have attracted the interest of central banks worldwide: a survey of central banks by the Bank for International Settlements (BIS), showed that
CBDC 提供多种优势,包括更快的支付、更便宜的跨境交易和“无实体制造”,吸引了世界各地央行的兴趣:国际清算银行(BIS)对央行的一项调查显示,
Disclaimer:info@kdj.com
The information provided is not trading advice. kdj.com does not assume any responsibility for any investments made based on the information provided in this article. Cryptocurrencies are highly volatile and it is highly recommended that you invest with caution after thorough research!
If you believe that the content used on this website infringes your copyright, please contact us immediately (info@kdj.com) and we will delete it promptly.
-
- Nervos Network (CKB) 投资者将 Mpeppe (MPEPE) 游戏发布视为下一个巨大利润机会
- 2024-09-23 10:25:02
- 随着 CKB 价值的不断攀升,Nervos Network(CKB)社区也迎来了一波盈利浪潮。随着兴奋的增加,社区中的许多人都在寻找下一个重大机会,他们在 Mpeppe (MPEPE) 中找到了它。
-
- Hello Kitty 限量版 50 周年纪念金币开放预购
- 2024-09-23 10:25:02
- 通过三丽鸥日本官方网站,Hello Kitty 收到一枚纪念她成立 50 周年的新金币。
-
- 你坐拥财富吗?如果您拥有这枚稀有硬币,您就可以做到
- 2024-09-23 10:25:02
- 近几个月来,两枚旧便士在网上引起轰动后,特定硬币成为人们谈论的话题。就在之前,收藏家被告知
-
- Airdrop Mavericks:开拓您的 $COREUM 领取之路
- 2024-09-23 10:25:02
- $COREUM 空投警报:为采用者提供 3000 万代币
-
- Nervos(CKB)与 RCO Finance(RCOF):哪个项目更有机会达到 1 美元?
- 2024-09-23 10:25:02
- 一位著名的 PEPE 分析师最近表示,Nervos Network (CKB) 达到 1 美元大关的机会比 RCO Finance (RCOF) 更低。
-
- Woman.output:标题:距大选不到 50 天,哈里斯以四比一的筹款量大幅超过特朗普
- 2024-09-23 10:20:02
- 据《华盛顿邮报》报道,卡马拉·哈里斯 (Kamala Harris) 的筹款额超过了唐纳德·特朗普 (Donald Trump),是他 8 月份筹款总额的四倍多。
-
- Travala 与 Solana 集成,提供基于 SOL 的航班和酒店预订
- 2024-09-23 10:20:02
- Travala 是一家专注于加密货币的旅行预订平台,最近透露了其与市值第四大区块链 Solana 的整合。
-
- 奥本足球股票报告:与阿肯色州相比,谁进步了,谁退步了?
- 2024-09-23 10:15:26
- 奥本老虎队在过去三周内第二次在主场输掉了比赛。尽管以 14 比 24 输给了剃刀鲸队,但奥本队的一些球员仍表现出色,他们希望下周能够复制这一表现。
-
- 埃文·诺埃尔 (Evan Noel) 61 码投篮创造密西西比州高中纪录
- 2024-09-23 10:15:02
- 周五,这位阿肯色州的五星级选手通过 61 码的射门创造了密西西比州高中的记录,为备战可能性设定了新的标准。