cbdc

Несколько стран уже внедрили цифровые валюты: e-CNY, e-Krona, Sand Dollar. Это не эксперимент — это тест будущей инфраструктуры платежей и расчётов, которые постепенно вытесняют устаревшие цепочки корреспондентских банков.

По сути:
— Банки становятся цифровыми шлюзами: custody, settlement и токенизация активов. Они сохраняют ядро функций, но фронт полностью цифровой. Внутри банков это означает оптимизацию ликвидности и ускорение трансграничных расчётов.

— Государства получают прозрачность потоков, автоматизацию налогов и субсидий, ускоряют трансграничные расчёты. Полный контроль маловероятен: слишком высокая политическая цена, если ограничивать базовые права граждан.

— Web3 и децентрализованные активы остаются альтернативной системой. Инвесторы и крупные держатели активов используют их для глобального доступа, хеджирования и обхода узких мест официальной инфраструктуры.

Что это значит для людей и инвесторов:

— меньше анонимности и больше прозрачности
— доступ к инвестициям глобальный, но с новыми требованиями цифровой грамотности
— финансовая свобода сохраняется, но правила игры усложняются
— управление капиталом требует понимания как традиционной, так и децентрализованной экосистемы

Возможные сценарии через 5–10 лет:

1️⃣ Гибридная система (наиболее вероятно)
CBDC и банки работают параллельно с Web3: регулирование плюс децентрализация, капитал двигается по наиболее эффективным каналам.

2️⃣ Технологический контроль
Государство усиливает контроль транзакций и программируемую валюту, но оставляет гражданам базовые права и альтернативные инструменты.

3️⃣ Альтернативная экономика
Слишком жёсткие правила на официальной стороне стимулируют рост параллельного рынка децентрализованных активов и стейблкоинов.

Вывод:

Это не цифровая тюрьма и не анархия Web3.
Это новая, регулируемая финансовая система с параллельным рынком децентрализованных активов.
Свобода не исчезает, но управление капиталом требует большего понимания правил и инструментов.

Следим за внедрением CBDC, адаптацией банков и развитием Web3 — движение капитала покажет, кто выигрывает.$XRP

#CBDC #Web3 #Blockchain #DigitalAssets #TJK

Cryptocurrency is not just “digital coins.”
To understand its investment value, we need to answer three fundamental questions:
What is money?What is a state?Why has control over money always been central to power?
Here are the 7 key points.
1️⃣ Crypto is a record in a ledger
At its core, cryptocurrency is a record in a distributed database.
A blockchain simply records:
“Address X owns a certain amount of units Y.”
No physical coins exist. There is only network consensus on the validity of the record.
In the case of $BTC , this record is maintained by thousands of nodes without a single central authority.
Crypto is accounting without a central accountant.
2️⃣ Money is an authorized record of trust
Money has never been “value in itself.”
It is a mechanism for accounting and exchange.
Grain, silver, gold, paper, bank balances — all are different forms of the same thing:
a socially recognized record of value.
The difference between fiat and crypto is not material, but in who controls the ledger.
3️⃣ The state emerges from the concentration of power
Historically, states formed when organized groups gained control over territory and imposed rules:
Through forceThrough lawThrough institutions and taxes
If states disappear, power struggles emerge, and eventually new structures form.
This is not a moral judgment — it is a pattern rooted in human nature.
4️⃣ Control over money equals control over society
Money determines who can “buy and sell.”
The Book of Revelation of John warns:
“And that no one may buy or sell except one who has the mark, or the name of the beast, or the number of its name.”
This is an archetype of total economic control, where participation in the market depends on permission.
Historically, monopolizing money was the ultimate lever of power.
5️⃣ Crypto creates a new contour of monetary autonomy
Cryptocurrency reduces monopoly over accounting money:
Ownership without permission is possibleTransactions work globallyControl is distributed across a network
This creates structural tension between centralization and decentralization, forming the foundation of the long-term narrative for crypto.
6️⃣ The risk of a digital dictatorship
Paradoxically, the same technology that enables autonomy could become a tool of control:
Wallets could be linked to individualsAll transactions could become transparent to a central authorityAccess to buying and selling could be conditional on authorizationExample: in China with e-CNY, programmable features already allow conditional payments and transaction tracking
Decentralization is not guaranteed freedom.
Control over “the ability to buy and sell” could once again concentrate in one center, digitally.
7️⃣ Investment insight: betting on autonomy
Investing in crypto is not just buying a token.
You are investing in the hypothesis that:
The world needs an alternative monetary system beyond the monopoly of centralized control.Technology can preserve some autonomy over value exchange.Even with risks of regulatory pressure or digital oversight, crypto offers exposure to a structural shift in control over money.
If this hypothesis is correct, we witness the emergence of a new asset class.
If it fails, crypto remains niche.
In 2026, we see a split: China and some countries are moving toward centralized control, while the U.S. is protecting private alternatives — making the autonomy hypothesis even more relevant.
Either way, understanding money, power, and human nature is crucial for investors navigating this space.
#cryptocurrency #decentralization #DigitalGold #CBDC #DigitalDictatorship

Naudas pasaule mainās. Mēs virzāmies prom no fiziskās naudas uz digitālajiem maciņiem. Bet ne visas digitālās pkr vai dolāri ir vienādi. Šodien mēs salīdzinām Centrālo banku digitālās valūtas (CBDC) un decentralizētās kriptovalūtas (piemēram, Bitcoin).
1. Pamatinstitūcija: Kas ir atbildīgs?
Lielākā atšķirība ir centralizācija.
CBDC: Šīs ir digitālās versijas valsts fiat valūtai (piemēram, Digitālā rūpija vai Digitālais dolārs). Tās izsniedz un regulē valdība vai centrālā banka.

The European Central Bank (ECB) is accelerating plans for its digital euro project, signaling a major milestone for the future of payments across the eurozone. Executive Board member Piero Cipollone revealed that the institution intends to begin selecting payment service providers (PSPs) in early 2026, paving the way for a 12-month pilot program expected to launch in the second half of 2027.
Speaking at a meeting of the Executive Committee of the Italian Banking Association, Cipollone outlined that the pilot phase will involve a limited number of licensed PSPs, retailers, and Eurosystem personnel. The selection process is expected to start in Q1 2026, provided that the necessary legal framework is adopted within the same year.
Early-Mover Advantage for Participating PSPs
Licensed PSPs within the European Union are expected to play a central distribution role for the digital euro. According to Cipollone, those selected for the pilot will gain an early operational advantage ahead of a broader rollout.
Participation will allow firms to test real-world integration processes, payment settlement flows, liquidity management mechanisms, and compliance procedures. It will also provide clearer insights into infrastructure requirements, staffing needs, and long-term cost structures—helping institutions plan future investments more effectively.
Importantly, pilot participants will work closely with the Eurosystem and may contribute feedback that shapes the final design of the digital euro framework.
Strengthening Europe’s Payment Independence
Cipollone emphasized that the digital euro is not solely a response to stablecoins. It is also part of a broader strategy to protect domestic European payment initiatives, including Italy’s Bancomat network and Spain’s peer-to-peer system Bizum.
Europe currently relies heavily on international card networks such as Visa and Mastercard, a dependency policymakers increasingly view as a strategic vulnerability.
To address this, the ECB plans to design the digital euro with a balanced fee structure—lower than international card schemes but slightly higher than local domestic systems. The objective is to enhance competitiveness while preserving the central role of European banks within the financial ecosystem.
Timeline Toward 2029 Launch
The ECB officially moved into the next phase of the digital euro project in October 2025. If legislation is passed in 2026, the pilot could begin in 2027, with a potential public rollout targeted for 2029.
This development marks one of the most significant steps yet in Europe’s central bank digital currency (CBDC) journey.
Will the digital euro strengthen Europe’s financial sovereignty—or disrupt traditional banking models?
Share your thoughts below 👇
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#DigitalEuro #CBDC #CryptoNews