Spain’s central bank, the Bank of Spain (BDE), said it intends to launch an experimental program to begin testing wholesale merkez bankası dijital para birimleri (CDBC'ler) ve yerel finans ve teknoloji kurumlarından işbirliği teklifleri arıyor.
Banka, fon hareketlerini simüle etmeyi, finansal varlıkların tasfiyesini denemeyi ve mevcut süreçlerine ve altyapısına toptan bir CBDC getirmenin faydalarını ve dezavantajlarını analiz etmeyi amaçlayan programla üç ana alana odaklanacak, göre tercüme edilmiş bir 5 Aralık bildirisine.
A wholesale CBDC refers to a digital currency typically for use by banks to keep reserves with a central bank, as compared to a retail or general-purpose CBDC that’s open to the public.
The program is “exclusive” to the BDE and it stated it was unrelated to work being undertaken in the European Union researching the use of a digital euro.
Interested parties wishing to participate in the program must meet the minimum requirements set by the bank and disclose the “economic means” they’re willing to commit to the project in an application process which closes on Jan. 31, 2023.
In its reasoning for undertaking the program, the BDE said the study of CBDCs can help determine to what extent they can contribute to “adapting to the needs and demands of an increasingly digital society.”
It also noted CBDCs are being “analyzed and experimented” on within a number of jurisdictions, mainly focusing on a retail application. However, it stated more companies are delving into those “of a wholesale nature or interbank.”
İlgili: Bazı merkez bankaları dijital para yarışından çekildi
Brad Jones, the Assistant Governor of the Reserve Bank of Australia (RBA), said on Dec. 8 at a central bank conference that a retail CBDC could result in people avoiding commercial banks entirely and potentially displacing the Australian dollar.
The RBA’s Australian dollar eAUD CBDC trial released on Aug. 9 has seen over 80 financial entities proposing use cases, according to Jones, but noted banks could face liquidity issues if a CBDC becomes the preferred source of holdings.
The Bank of Thailand (BOT) is also expecting to launch a pilot of a retail CBDC before the end of 2022, with a testing environment limited to 10,000 people.
This comes after the Bank of China launched the first trial of its e-CNY in April 2020, now the most widely adopted CBDC in the world, having marked 14 milyar dolarlık işlem during its pilot phase.
Source: https://cointelegraph.com/news/spain-s-central-bank-to-experiment-with-wholesale-cbdcs