An analyst at the Bank of Canada has written a paper that identifies recurring patterns in CBDC models and how those patterns impact a list of performance criteria.
Five patterns that recur in retail central bank digital currency (CBDC) designs were identified in a new Bank of Canada staff analytic note. The research odaklanmış on information organization and compared software rather than real or proposed CBDCs, and it examined the practical implications of its findings for retail payment systems.
The author, Sriram Darbha, called the patterns he identified “archetypes.” They were characterized by how the CBDC’s state — information about its supply and ownership — was maintained and how it was updated. Those characteristics have implications for both bank policy and hardware, according to Darbha. He said:
"Çeşitli CBDC sistem tasarımlarını inceledikten sonra, olası CBDC tasarımlarını satıcıdan, platformdan ve teknolojiden bağımsız birkaç modele göre organize etmenin yararlı olacağına inanıyoruz."
Some of the archetypes had relatively transparent names — the centralized and leaderless archetypes reflect basic notions of the blockchain. The macro-partitioned, micro-partitioned and direct archetypes depend critically on the concept of portioned entities, which are updated separately.
CBDC | Perakende CBDC için arketipler, Sriram Darbha (Personel Analitik Notu, Kanada Bankası).
Sadece dışarı! #CBDC #Perakendehttps://t.co/pGIw5mP6gD
— David Tercero-Lucas (@David_III_L) 5 Ekim 2022
The archetypes are ranked by eight criteria, with centralized topping the rankings and direct coming in last. Privacy was the most problematic criterion, one for which only the direct archetype received high score.
Darbha stated that the archetypes enable central banks to express their policy goals and “focus their efforts on classes of systems that fit those archetypes.” The rankings pointed to areas for future research, and the paper’s findings had theoretical implications for “the representation of money and the structure of state.”
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Darbha co-authored two previous notes on CBDCs in the same series. The Bank of Canada is also working with the Massachusetts Institute of Technology Media Labs’ Digital Currency Initiative on a project to design a Canadian digital dollar. The European Central Bank published a progress report on its digital euro investigation phase that examined similar issues on Sept. 29.
Source: https://cointelegraph.com/news/canadian-central-bank-identifies-retail-cbdc-archetypes-in-theory-heavy-analysis