{"id":108186,"date":"2026-06-06T00:15:49","date_gmt":"2026-06-05T22:15:49","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=108186"},"modified":"2026-06-04T12:57:45","modified_gmt":"2026-06-04T10:57:45","slug":"trumpova-ticha-financni-revoluce-digitalni-identifikacni-udaje-sledovani-pomoci-umele-inteligence-a-programovatelny-dolar-se-objevuji-zadnimi-vratky","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/06\/06\/trumpova-ticha-financni-revoluce-digitalni-identifikacni-udaje-sledovani-pomoci-umele-inteligence-a-programovatelny-dolar-se-objevuji-zadnimi-vratky\/","title":{"rendered":"Trumpova tich\u00e1 finan\u010dn\u00ed revoluce: Digit\u00e1ln\u00ed identifika\u010dn\u00ed \u00fadaje, sledov\u00e1n\u00ed pomoc\u00ed um\u011bl\u00e9 inteligence a programovateln\u00fd dolar se objevuj\u00ed zadn\u00edmi vr\u00e1tky"},"content":{"rendered":"
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\u201eC\u00edlem m\u00e9 administrativy je obnovit integritu americk\u00e9ho finan\u010dn\u00edho syst\u00e9mu, chr\u00e1nit finan\u010dn\u00ed instituce p\u0159ed struktur\u00e1ln\u00edmi riziky a p\u0159edch\u00e1zet podvod\u016fm a zneu\u017e\u00edv\u00e1n\u00ed.\u201c<\/span><\/strong><\/p>\n

Prezident Donald Trump tento t\u00fdden podepsal dva v\u00fdkonn\u00e9 p\u0159\u00edkazy, kter\u00e9 sice nedost\u00e1vaj\u00ed dostate\u010dnou pozornost, ale p\u0159esto jsou kl\u00ed\u010dov\u00e9 pro snahu t\u00e9to administrativy o \u201emodernizaci\u201c americk\u00e9ho finan\u010dn\u00edho syst\u00e9mu. Tyto v\u00fdkonn\u00e9 p\u0159\u00edkazy si kladou za c\u00edl roz\u0161\u00ed\u0159it bankovn\u00ed syst\u00e9m tak, aby zahrnoval v\u00edce biometrick\u00fdch metod ov\u011b\u0159ov\u00e1n\u00ed identity, a z\u00e1rove\u0148 p\u0159ipravit cestu pro Feder\u00e1ln\u00ed rezervn\u00ed syst\u00e9m ke spolupr\u00e1ci s fintech spole\u010dnostmi za \u00fa\u010delem z\u00fa\u010dtov\u00e1n\u00ed a vypo\u0159\u00e1d\u00e1n\u00ed plateb p\u0159\u00edmo prost\u0159ednictv\u00edm syst\u00e9mu Fedu \u2013 zn\u00e1m\u00e9ho tak\u00e9 jako \u201eMaster Skinny Account\u201c.<\/span><\/p>\n

Tato na\u0159\u00edzen\u00ed navazuj\u00ed na p\u0159edchoz\u00ed na\u0159\u00edzen\u00ed podepsan\u00e1 Trumpem v lo\u0148sk\u00e9m roce, kter\u00e1 p\u0159isp\u00edvaj\u00ed k \u201emodernizaci\u201c ministerstva financ\u00ed a americk\u00e9 ekonomiky, jako jsou platebn\u00ed metody v r\u00e1mci ministerstva financ\u00ed s c\u00edlem eliminovat platby v hotovosti a \u0161eky, a zejm\u00e9na z\u00e1kon GENIUS, kter\u00fd vytv\u00e1\u0159\u00ed pr\u00e1vn\u00ed r\u00e1mec pro digit\u00e1ln\u00ed dolary ve form\u011b stablecoin\u016f.<\/span><\/p>\n

Digit\u00e1ln\u00ed identifika\u010dn\u00ed \u010d\u00edslo<\/span><\/strong><\/h3>\n

Ministr financ\u00ed Scott Bessent ned\u00e1vno opakovan\u011b prohl\u00e1sil, \u017ee Trump p\u0159ipravuje v\u00fdkonn\u00e9 na\u0159\u00edzen\u00ed, kter\u00e9 by od Ameri\u010dan\u016f vy\u017eadovalo odevzd\u00e1n\u00ed pas\u016f nebo poskytnut\u00ed dal\u0161\u00edch biometrick\u00fdch \u00fadaj\u016f k otev\u0159en\u00ed bankovn\u00edho \u00fa\u010dtu. Zd\u016fvodnil to tvrzen\u00edm, \u017ee by to omezilo neleg\u00e1ln\u00ed podvody a prok\u00e1zalo by to, kdo je naturalizovan\u00fdm ob\u010danem, jak den\u00edk The WinePress rozs\u00e1hle informoval za\u010d\u00e1tkem tohoto m\u011bs\u00edce\u00a0<\/span>.<\/span><\/strong><\/p>\n

Bessent a dal\u0161\u00ed obezn\u00e1men\u00ed s p\u016fvodn\u00edmi n\u00e1vrhy uvedli, \u017ee skute\u010dn\u00fd pr\u016fkaz toto\u017enosti v o\u010d\u00edch t\u00e9to vl\u00e1dy nesta\u010d\u00ed k prok\u00e1z\u00e1n\u00ed legitimn\u00edho ob\u010danstv\u00ed.<\/span><\/p>\n

V dubnu Bessent na konferenci Semafor World Economy p\u0159edstavil pl\u00e1ny na tuto regulaci, ale do p\u0159\u00edli\u0161n\u00fdch detail\u016f nezach\u00e1zel.<\/span><\/p>\n

Ben Smith ze Semaforu:<\/span><\/strong>\u00a0\u201eOt\u00e1zka ohledn\u011b dom\u00e1c\u00ed politiky: Objevila se zpr\u00e1va, \u017ee se projedn\u00e1v\u00e1 v\u00fdkonn\u00e9 na\u0159\u00edzen\u00ed, kter\u00e9 by bank\u00e1m na\u0159izovalo shroma\u017e\u010fovat informace o st\u00e1tn\u00edm ob\u010danstv\u00ed sv\u00fdch z\u00e1kazn\u00edk\u016f. Jak\u00fd je sou\u010dasn\u00fd stav?\u201c<\/span><\/p>\n

Scott Bessent:<\/span><\/strong>\u00a0\u201eNa tom se pracuje a nemysl\u00edm si, \u017ee je to nerozumn\u00e9, proto\u017ee: Pro\u010d nem\u00e1me \u017e\u00e1dn\u00e9 informace o tom, kdo je v na\u0161em bankovn\u00edm syst\u00e9mu? M\u00e1m byt ve Spojen\u00e9m kr\u00e1lovstv\u00ed; cht\u011bj\u00ed v\u011bd\u011bt, kdo tam bydl\u00ed v ka\u017ed\u00e9m byt\u011b. A jak v\u00edme, \u017ee to nen\u00ed \u010dlen zahrani\u010dn\u00ed teroristick\u00e9 organizace? Zp\u00e1tky k va\u0161emu p\u0159\u00edteli z IRS, kter\u00fd \u0159\u00edk\u00e1: \u201aNebojte se.\u2018\u201c<\/span><\/p>\n

Ben Smith: \u201e<\/span><\/strong>\u00a0Nepracuj\u00ed pro da\u0148ov\u00fd \u00fa\u0159ad.\u201c<\/span><\/p>\n

Scott Bessent:<\/span><\/strong>\u00a0\u201eAle m\u00e1me obavy.\u201c<\/span><\/p>\n

Bessent to zopakoval o t\u00fdden pozd\u011bji v rozhovoru se Sarah Eisen z CNBC a vysv\u011btlil: \u201ePro\u010d si mohou nezn\u00e1m\u00ed cizinci p\u0159ij\u00edt a otev\u0159\u00edt si bankovn\u00ed \u00fa\u010det? \u00dakolem na\u0161ich bankovn\u00edch mana\u017eer\u016f je zn\u00e1t sv\u00e9 z\u00e1kazn\u00edky. Jak m\u016f\u017eete zn\u00e1t sv\u00e9 z\u00e1kazn\u00edky, kdy\u017e nev\u00edte, zda maj\u00ed leg\u00e1ln\u00ed nebo neleg\u00e1ln\u00ed status, zda jsou ob\u010dany USA nebo dr\u017eiteli zelen\u00e9 karty?\u201c<\/span><\/p>\n

Jak tehdy poznamenala CNBC:<\/span><\/strong><\/p>\n

Navrhovan\u00fd v\u00fdkonn\u00fd p\u0159\u00edkaz je dal\u0161\u00edm prvkem \u0161ir\u0161\u00edho \u00fasil\u00ed prezidenta Donalda Trumpa propojit jeho imigra\u010dn\u00ed politiku se sb\u011brem dat ve Spojen\u00fdch st\u00e1tech, a to i v souvislosti s volbami a s\u010d\u00edt\u00e1n\u00edm lidu.<\/span><\/em><\/p>\n

V USA nen\u00ed k otev\u0159en\u00ed bankovn\u00edho \u00fa\u010dtu vy\u017eadov\u00e1n doklad o ob\u010danstv\u00ed. Banky jsou v\u0161ak povinny ov\u011b\u0159it toto\u017enost.<\/span><\/em><\/p>\n

Stejn\u011b jako mnoho jin\u00fdch zem\u00ed, i USA uplat\u0148uj\u00ed pravidla \u201eKnow Your Customer\u201c (KYC) pro bankovn\u00ed \u00fa\u010dty, aby se zabr\u00e1nilo pran\u00ed \u0161pinav\u00fdch pen\u011bz a dal\u0161\u00edm form\u00e1m finan\u010dn\u00ed kriminality. To zahrnuje ov\u011b\u0159ov\u00e1n\u00ed toto\u017enosti z\u00e1kazn\u00edk\u016f, posuzov\u00e1n\u00ed rizik a sledov\u00e1n\u00ed transakc\u00ed s c\u00edlem p\u0159edch\u00e1zet podvod\u016fm. Z\u00e1kony, jako je z\u00e1kon o bankovn\u00edm tajemstv\u00ed (BSA) a z\u00e1kon USA Patriot Act, tak\u00e9 podporuj\u00ed toto ov\u011b\u0159ov\u00e1n\u00ed z\u00e1kazn\u00edk\u016f. Banky shroma\u017e\u010fuj\u00ed informace, jako jsou \u010d\u00edsla soci\u00e1ln\u00edho zabezpe\u010den\u00ed, individu\u00e1ln\u00ed identifika\u010dn\u00ed \u010d\u00edsla da\u0148ov\u00fdch poplatn\u00edk\u016f (ITIN), jm\u00e9na, data narozen\u00ed a adresy.<\/span><\/em><\/p>\n

Vzhledem k t\u011bmto okolnostem se zd\u00e1, \u017ee prezident Trump tento t\u00fdden, 19. kv\u011btna, kone\u010dn\u011b podepsal toto v\u00fdkonn\u00e9 na\u0159\u00edzen\u00ed.<\/span><\/p>\n

Na\u0159\u00edzen\u00ed s n\u00e1zvem\u00a0<\/span>\u201eObnoven\u00ed integrity americk\u00e9ho finan\u010dn\u00edho syst\u00e9mu\u201c<\/span><\/a><\/strong>\u00a0si klade za c\u00edl \u201eochr\u00e1nit americk\u00fd finan\u010dn\u00ed syst\u00e9m p\u0159ed neleg\u00e1ln\u00edmi aktivitami, zv\u00fd\u0161it po\u017eadavky na identifikaci z\u00e1kazn\u00edk\u016f ze strany finan\u010dn\u00edch instituc\u00ed a \u0159e\u0161it \u00fav\u011brov\u00e1 rizika vznikl\u00e1 roz\u0161\u00ed\u0159en\u00edm finan\u010dn\u00edch slu\u017eeb na neleg\u00e1ln\u00ed imigranty bez pracovn\u00edho povolen\u00ed\u201c, uv\u00e1d\u00ed se v\u00a0<\/span>informa\u010dn\u00edm listu<\/span><\/a><\/strong>\u00a0.<\/span><\/p>\n

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V d\u016fvodov\u00e9 zpr\u00e1v\u011b k v\u00fdkonn\u00e9mu na\u0159\u00edzen\u00ed prezident uv\u00e1d\u00ed, \u017ee sou\u010dasn\u00e1 opat\u0159en\u00ed KYC nespl\u0148uj\u00ed po\u017eadavky a je t\u0159eba je aktualizovat. D\u016fvodem t\u00e9to nezbytn\u00e9 aktualizace je omezen\u00ed neleg\u00e1ln\u00edho p\u0159ist\u011bhovalectv\u00ed, trestn\u00e9 \u010dinnosti a terorismu souvisej\u00edc\u00edho s drogami.<\/span><\/p>\n

\u201eMoje vl\u00e1da nebude tolerovat rizika pro n\u00e1rodn\u00ed bezpe\u010dnost a ve\u0159ejnou bezpe\u010dnost zp\u016fsoben\u00e1 neleg\u00e1ln\u00edmi p\u0159eshrani\u010dn\u00edmi finan\u010dn\u00edmi aktivitami, ani nedovol\u00ed rizika pro n\u00e1\u0161 finan\u010dn\u00ed syst\u00e9m zp\u016fsoben\u00e1 poskytov\u00e1n\u00edm p\u016fj\u010dek nebo finan\u010dn\u00edch slu\u017eeb cizinc\u016fm, kte\u0159\u00ed maj\u00ed neleg\u00e1ln\u00ed vstup do zem\u011b a kte\u0159\u00ed mus\u00ed b\u00fdt vyho\u0161t\u011bni.\u201c<\/span><\/em><\/strong><\/p>\n

\u201eI poskytov\u00e1n\u00ed t\u011bch nejz\u00e1kladn\u011bj\u0161\u00edch finan\u010dn\u00edch slu\u017eeb m\u016f\u017ee b\u00fdt zneu\u017eito \u2013\u00a0<\/span>bez odpov\u00eddaj\u00edc\u00edch postup\u016f \u201eKnow Your Customer\u201c \u2013<\/span><\/strong>\u00a0k usnadn\u011bn\u00ed financov\u00e1n\u00ed \u010dinnost\u00ed, kter\u00e9 p\u0159edstavuj\u00ed v\u00fdznamnou hrozbu pro n\u00e1rodn\u00ed bezpe\u010dnost a ve\u0159ejnou bezpe\u010dnost.\u201c<\/span><\/em><\/p>\n

P\u0159eshrani\u010dn\u00ed p\u0159evody pen\u011bz v mal\u00e9m m\u011b\u0159\u00edtku byly pou\u017eity k usnadn\u011bn\u00ed nebo p\u00e1ch\u00e1n\u00ed financov\u00e1n\u00ed terorismu, obchodu s drogami, obchodu s lidmi a dal\u0161\u00edch nez\u00e1konn\u00fdch aktivit. Anal\u00fdzy finan\u010dn\u00edch trend\u016f odhalily centra smrt\u00edc\u00ed finan\u010dn\u00ed aktivity souvisej\u00edc\u00ed s fentanylem ve Spojen\u00fdch st\u00e1tech, kter\u00e1 je propojena s kartely se s\u00eddlem v Mexiku. Ned\u00e1vn\u00e1 anal\u00fdza \u010d\u00ednsk\u00fdch s\u00edt\u00ed pro pran\u00ed \u0161pinav\u00fdch pen\u011bz uk\u00e1zala, jak dr\u017eitel\u00e9 zahrani\u010dn\u00edch pas\u016f vyu\u017e\u00edvali \u00fa\u010dty ve Spojen\u00fdch st\u00e1tech k usnadn\u011bn\u00ed pran\u00ed \u0161pinav\u00fdch pen\u011bz ve v\u00fd\u0161i p\u0159es 312 miliard dolar\u016f pro zlo\u010dineck\u00e9 organizace, p\u0159i\u010dem\u017e obchod s lidmi byl zd\u016frazn\u011bn jako jedna z aktivit spojen\u00fdch s t\u011bmito p\u0159evody.<\/span><\/p>\n

\u201eKe zm\u00edrn\u011bn\u00ed t\u011bchto rizik jsou nezbytn\u00e9 robustn\u00ed programy identifikace z\u00e1kazn\u00edk\u016f a pos\u00edlen\u00e1 due diligence.\u201c<\/span><\/em><\/strong><\/p>\n

\u201e[\u2026]\u00a0<\/span>Poskytov\u00e1n\u00ed p\u016fj\u010dek cizinc\u016fm bez leg\u00e1ln\u00edho pracovn\u00edho povolen\u00ed<\/span><\/strong>\u00a0nebo osob\u00e1m s v\u00fdznamn\u00fdm rizikem nezaplacen\u00ed mzdy vede ke struktur\u00e1ln\u00edmu nedostatku \u201espl\u00e1cen\u00ed\u201c, kter\u00fd podkop\u00e1v\u00e1 bezpe\u010dnost a stabilitu n\u00e1rodn\u00edho bankovn\u00edho syst\u00e9mu. Zam\u011bstnavatel\u00e9, kte\u0159\u00ed poru\u0161uj\u00ed imigra\u010dn\u00ed z\u00e1kony, mohou nav\u00edc podhodnocovat mzdy, pou\u017e\u00edvat fale\u0161n\u00e1 nebo neplatn\u00e1 \u010d\u00edsla soci\u00e1ln\u00edho zabezpe\u010den\u00ed a da\u0148ov\u00e1 identifika\u010dn\u00ed \u010d\u00edsla nebo \u0159\u00e1dn\u011b sr\u00e1\u017eet nebo odv\u00e1d\u011bt dan\u011b ze mzdy. Takov\u00e9 praktiky mohou vytv\u00e1\u0159et zranitelnosti v na\u0161em finan\u010dn\u00edm syst\u00e9mu t\u00edm, \u017ee zakr\u00fdvaj\u00ed zdroje p\u0159\u00edjm\u016f, naru\u0161uj\u00ed \u00fav\u011brov\u00e1n\u00ed a\u00a0<\/span>podporuj\u00ed \u0161edou ekonomiku<\/span><\/strong>\u00a0.\u201c<\/span><\/em><\/p>\n

\u201ePolitikou m\u00e9 administrativy je obnovit integritu americk\u00e9ho finan\u010dn\u00edho syst\u00e9mu, chr\u00e1nit finan\u010dn\u00ed instituce p\u0159ed struktur\u00e1ln\u00edmi riziky a p\u0159edch\u00e1zet podvod\u016fm a zneu\u017e\u00edv\u00e1n\u00ed.\u201c<\/span><\/em><\/p>\n

Prov\u00e1d\u011bc\u00ed na\u0159\u00edzen\u00ed stanov\u00ed, \u017ee ministr financ\u00ed [Bessent] m\u00e1 do 60 dn\u016f od p\u0159ijet\u00ed na\u0159\u00edzen\u00ed vydat finan\u010dn\u00edm instituc\u00edm ofici\u00e1ln\u00ed ozn\u00e1men\u00ed, v n\u011bm\u017e zd\u016frazn\u00ed rizika spojen\u00e1 se zneu\u017e\u00edv\u00e1n\u00edm finan\u010dn\u00edho syst\u00e9mu USA osobami bez licence a jejich zam\u011bstnavateli.<\/span><\/p>\n

Besent m\u00e1 pokyn<\/span><\/p>\n

\u201eVyd\u00e1n\u00ed form\u00e1ln\u00edho doporu\u010den\u00ed finan\u010dn\u00edm instituc\u00edm,\u00a0<\/span>kter\u00e9 nast\u00edn\u00ed varovn\u00e9 sign\u00e1ly a podez\u0159el\u00e9 vzorce chov\u00e1n\u00ed<\/span><\/strong>\u00a0souvisej\u00edc\u00ed s da\u0148ov\u00fdmi \u00faniky ze mzdy, zatajov\u00e1n\u00edm skute\u010dn\u00e9ho vlastnictv\u00ed \u00fa\u010dt\u016f,\u00a0<\/span>mimorozvahov\u00fdmi v\u00fdplatami mezd a struktur\u00e1ln\u00edmi opat\u0159en\u00edmi,<\/span><\/strong>\u00a0obchodov\u00e1n\u00edm s lidmi za \u00fa\u010delem pracovn\u00edho vyko\u0159is\u0165ov\u00e1n\u00ed a pou\u017e\u00edv\u00e1n\u00edm individu\u00e1ln\u00edch da\u0148ov\u00fdch identifika\u010dn\u00edch \u010d\u00edsel k otev\u00edr\u00e1n\u00ed \u00fa\u010dt\u016f nebo \u010derp\u00e1n\u00ed p\u016fj\u010dek bez dokladu o leg\u00e1ln\u00edm pobytu.\u201c<\/span><\/em><\/p>\n

\u201eNa\u0159\u00edzen\u00ed ukl\u00e1d\u00e1 ministrovi financ\u00ed, aby po konzultaci s feder\u00e1ln\u00edmi org\u00e1ny dohledu navrhl zm\u011bny ustanoven\u00ed z\u00e1kona o bankovn\u00edm tajemstv\u00ed s c\u00edlem pos\u00edlit povinnosti v oblasti hloubkov\u00e9 kontroly klienta a\u00a0<\/span>v p\u0159\u00edpad\u011b pot\u0159eby pos\u00edlit pravomoc z\u00edsk\u00e1vat dal\u0161\u00ed informace,<\/span><\/strong>\u00a0aby finan\u010dn\u00ed instituce mohly identifikovat skute\u010dn\u00e9 majitele \u00fa\u010dt\u016f, je-li to nutn\u00e9 k posouzen\u00ed rizik souvisej\u00edc\u00edch s nez\u00e1konnou \u010dinnost\u00ed.\u201c<\/span><\/em><\/p>\n

\u201eNa\u0159\u00edzen\u00ed na\u0159izuje ministrovi financ\u00ed a feder\u00e1ln\u00edm regula\u010dn\u00edm org\u00e1n\u016fm, aby zv\u00e1\u017eili zm\u011bny z\u00e1kona o bankovn\u00edm tajemstv\u00ed s c\u00edlem\u00a0<\/span>zp\u0159\u00edsnit po\u017eadavky na programy identifikace z\u00e1kazn\u00edk\u016f<\/span><\/strong>\u00a0, a to i s ohledem na rizika, kter\u00e1\u00a0<\/span>zahrani\u010dn\u00ed konzul\u00e1rn\u00ed doklady<\/span><\/strong>\u00a0p\u0159edstavuj\u00ed pro finan\u010dn\u00ed syst\u00e9m USA.\u201c<\/span><\/em><\/p>\n

Bessent bude d\u00e1le konzultovat s tzv. \u201efunk\u010dn\u00edmi feder\u00e1ln\u00edmi finan\u010dn\u00edmi regul\u00e1tory\u201c, mezi kter\u00e9 pat\u0159\u00ed Rada guvern\u00e9r\u016f Feder\u00e1ln\u00edho rezervn\u00edho syst\u00e9mu, \u00da\u0159ad kontrolora m\u011bny (OCC), Feder\u00e1ln\u00ed korporace pro poji\u0161t\u011bn\u00ed vklad\u016f (FDIC) a N\u00e1rodn\u00ed spr\u00e1va \u00fav\u011brov\u00fdch uni\u00ed (FCUA). Do 90 dn\u016f od vyd\u00e1n\u00ed v\u00fdzvy k p\u0159ijet\u00ed opat\u0159en\u00ed tato koalice vypracuje pl\u00e1ny opat\u0159en\u00ed, kter\u00e1 mohou finan\u010dn\u00ed instituce zav\u00e9st, v\u010detn\u011b:<\/span><\/p>\n

\u201eFinan\u010dn\u00ed instituce shroma\u017e\u010fuj\u00ed a ov\u011b\u0159uj\u00ed dostate\u010dn\u00e9 informace o toto\u017enosti sv\u00fdch z\u00e1kazn\u00edk\u016f, aby mohly adekv\u00e1tn\u011b identifikovat nomin\u00e1ln\u00ed a skute\u010dn\u00e9 majitele \u00fa\u010dt\u016f, a t\u00edm posoudit rizika spojen\u00e1 s pran\u00edm \u0161pinav\u00fdch pen\u011bz, vyh\u00fdb\u00e1n\u00edm se sankc\u00edm, podvody nebo jin\u00fdmi nez\u00e1konn\u00fdmi \u010dinnostmi.\u201c<\/span><\/em><\/p>\n

V z\u00e1\u0159\u00ed lo\u0148sk\u00e9ho roku Spojen\u00e9 kr\u00e1lovstv\u00ed a\u00a0<\/span>premi\u00e9r Keir Starmer zavedly \u201eBritcard<\/span><\/strong>\u00a0\u201c, povinn\u00fd digit\u00e1ln\u00ed pr\u016fkaz toto\u017enosti, k jeho\u017e z\u00edsk\u00e1n\u00ed se mus\u00ed ka\u017ed\u00fd zaregistrovat, aby nebyl pova\u017eov\u00e1n za neleg\u00e1ln\u00edho imigranta a nemohl tak pracovat. Starmer \u00fadajn\u011b tvrd\u00ed, \u017ee syst\u00e9m m\u00e1 bojovat proti neleg\u00e1ln\u00ed imigraci, a pou\u017e\u00edv\u00e1 p\u0159itom formulaci podobnou t\u00e9, kter\u00e1 byla pou\u017eita v Trumpov\u011b v\u00fdkonn\u00e9m na\u0159\u00edzen\u00ed.<\/span><\/p>\n

\u201eAle je to prost\u011b fakt, \u017ee ka\u017ed\u00fd n\u00e1rod mus\u00ed m\u00edt kontrolu nad sv\u00fdmi hranicemi. Pot\u0159ebujeme v\u011bd\u011bt, kdo je v na\u0161\u00ed zemi.\u201c<\/span><\/em><\/p>\n

\u201eDnes oznamuji, \u017ee tato vl\u00e1da do konce sv\u00e9ho funk\u010dn\u00edho obdob\u00ed zavede nov\u00fd, bezplatn\u00fd digit\u00e1ln\u00ed pr\u016fkaz toto\u017enosti jako povinn\u00fd pro uplat\u0148ov\u00e1n\u00ed pracovn\u00edch pr\u00e1v.\u201c<\/span><\/em><\/p>\n

\u201eDovolte mi, abych to objasnil: bez digit\u00e1ln\u00edho pr\u016fkazu toto\u017enosti nebudete moci ve Spojen\u00e9m kr\u00e1lovstv\u00ed pracovat. Je to tak jednoduch\u00e9. Proto\u017ee slu\u0161n\u00ed, pragmatick\u00ed a spravedliv\u00ed lid\u00e9 cht\u011bj\u00ed, abychom \u0159e\u0161ili probl\u00e9my, kter\u00e9 kolem sebe vid\u00ed. A samoz\u0159ejm\u011b nevy\u0159e\u0161\u00edme na\u0161e probl\u00e9my, pokud se z\u00e1rove\u0148 nezab\u00fdv\u00e1me jejich z\u00e1kladn\u00edmi p\u0159\u00ed\u010dinami.\u201c<\/span><\/em><\/p>\n

P\u0159esto\u017ee byl projekt Britcard o n\u011bkolik m\u011bs\u00edc\u016f pozd\u011bji do\u010dasn\u011b pozastaven, my\u0161lenka digit\u00e1ln\u00edho pr\u016fkazu toto\u017enosti nebyla opu\u0161t\u011bna a zem\u011b nyn\u00ed digit\u00e1ln\u00ed pr\u016fkaz toto\u017enosti zav\u00e1d\u00ed pon\u011bkud nen\u00e1padn\u011bj\u0161\u00edm zp\u016fsobem.<\/span><\/p>\n

Navzdory formulaci Trumpova v\u00fdkonn\u00e9ho na\u0159\u00edzen\u00ed je\u00a0<\/span>agentura Associated Press<\/span><\/em>\u00a0uv\u00e1d\u00ed, \u017ee je pon\u011bkud m\u00e9n\u011b p\u0159\u00edsn\u00e9, ne\u017e se o\u010dek\u00e1valo, jeliko\u017e p\u0159edpokl\u00e1dalo na\u0159\u00edzen\u00ed, kter\u00e9 by bank\u00e1m vy\u017eadovalo zaznamen\u00e1v\u00e1n\u00ed st\u00e1tn\u00ed p\u0159\u00edslu\u0161nosti jejich klient\u016f. \u201eBankovn\u00ed sektor m\u011bs\u00edce vedl kampa\u0148, aby takov\u00e9mu na\u0159\u00edzen\u00ed zabr\u00e1nil, a argumentoval t\u00edm, \u017ee by to bylo n\u00e1kladn\u00e9 a znamenalo by to obrovskou administrativn\u00ed z\u00e1t\u011b\u017e,\u201c dodala agentura AP.<\/span><\/p>\n

\u00dasporn\u00e9 \u00fa\u010dty Fedu<\/span><\/strong><\/h3>\n

Druh\u00e9 podepsan\u00e9 prov\u00e1d\u011bc\u00ed na\u0159\u00edzen\u00ed \u2013\u00a0<\/span>Integrace inovac\u00ed finan\u010dn\u00edch technologi\u00ed do regula\u010dn\u00edch r\u00e1mc\u016f<\/span><\/a><\/strong>\u00a0\u2013 \u201ezjednodu\u0161uje regulaci a podporuje finan\u010dn\u00ed inovace a spolupr\u00e1ci mezi spole\u010dnostmi v oblasti finan\u010dn\u00edch technologi\u00ed (FinTech), feder\u00e1ln\u011b regulovan\u00fdmi finan\u010dn\u00edmi institucemi a feder\u00e1ln\u00edmi org\u00e1ny finan\u010dn\u00edho dohledu,\u201c\u00a0<\/span>uv\u00e1d\u00ed se v informa\u010dn\u00edm listu.<\/span><\/a><\/strong><\/p>\n

\u201ePrezident Trump podnik\u00e1 kroky k zaji\u0161t\u011bn\u00ed toho, aby Spojen\u00e9 st\u00e1ty z\u016fstaly sv\u011btov\u00fdm l\u00eddrem v oblasti finan\u010dn\u00edch inovac\u00ed, a to odstran\u011bn\u00edm zastaral\u00fdch regula\u010dn\u00edch z\u00e1t\u011b\u017e\u00ed, kter\u00e9 ji\u017e neodpov\u00eddaj\u00ed digit\u00e1ln\u00edmu v\u011bku,\u201c dod\u00e1v\u00e1 se v informa\u010dn\u00edm listu. \u201eAby se tyto finan\u010dn\u00ed inovace podpo\u0159ily, mus\u00ed feder\u00e1ln\u00ed vl\u00e1da aktualizovat p\u0159edpisy, kter\u00e9 umo\u017en\u00ed integraci digit\u00e1ln\u00edch aktiv a inovativn\u00edch technologi\u00ed do tradi\u010dn\u00edch finan\u010dn\u00edch slu\u017eeb a platebn\u00edch syst\u00e9m\u016f,\u201c uv\u00e1d\u00ed se v ofici\u00e1ln\u00edm v\u00fdkonn\u00e9m na\u0159\u00edzen\u00ed.<\/span><\/p>\n

Tyto fintech spole\u010dnosti spravuj\u00ed vl\u00e1dou podporovan\u00e9 stablecoiny a digit\u00e1ln\u00ed dolary, jak je definov\u00e1no v z\u00e1kon\u011b Genius Act, a tak\u00e9 dal\u0161\u00ed extern\u00ed spr\u00e1vce, kte\u0159\u00ed tokenizuj\u00ed aktiva.<\/span><\/p>\n

I zde tyto \u201efunk\u010dn\u00ed org\u00e1ny finan\u010dn\u00edho dohledu na feder\u00e1ln\u00ed \u00farovni\u201c do 90 dn\u016f p\u0159ezkoumaj\u00ed st\u00e1vaj\u00edc\u00ed r\u00e1mec, aby ur\u010dily, co lze aktualizovat a co by jinak mohlo tomuto p\u0159echodu br\u00e1nit.<\/span><\/p>\n

V\u00fdkonn\u00e9 na\u0159\u00edzen\u00ed konkr\u00e9tn\u011b vyz\u00fdv\u00e1 Feder\u00e1ln\u00ed rezervn\u00ed syst\u00e9m (FRB), aby \u201eprovedl komplexn\u00ed vyhodnocen\u00ed pr\u00e1vn\u00edho, regula\u010dn\u00edho a politick\u00e9ho r\u00e1mce upravuj\u00edc\u00edho p\u0159\u00edstup k platebn\u00edm \u00fa\u010dt\u016fm a platebn\u00edm slu\u017eb\u00e1m Rezervn\u00ed banky ze strany nepoji\u0161t\u011bn\u00fdch vkladov\u00fdch instituc\u00ed a nebankovn\u00edch finan\u010dn\u00edch spole\u010dnost\u00ed, v\u010detn\u011b t\u011bch, kter\u00e9 se zab\u00fdvaj\u00ed digit\u00e1ln\u00edmi aktivy a dal\u0161\u00edmi nov\u00fdmi finan\u010dn\u00edmi aktivitami (souhrnn\u011b ozna\u010dovan\u00e9 jako dot\u010den\u00e9 subjekty), jako\u017e i t\u011bch, kter\u00e9 jednaj\u00ed jako p\u0159\u00edm\u00ed \u00fa\u010dastn\u00edci platebn\u00edch s\u00edt\u00ed v re\u00e1ln\u00e9m \u010dase.\u201c FRB pot\u00e9 do 120 dn\u016f od vyd\u00e1n\u00ed v\u00fdzvy p\u0159edlo\u017e\u00ed prezidentovi \u201esv\u00e1 zji\u0161t\u011bn\u00ed, mo\u017enosti a p\u0159\u00edpadn\u00e1 doporu\u010den\u00ed\u201c.<\/span><\/p>\n

Podle informa\u010dn\u00edho listu B\u00edl\u00fd d\u016fm ozna\u010duje tradi\u010dn\u00ed banky za \u201epoz\u016fstatky\u201c, kter\u00e9 je t\u0159eba \u201emodernizovat\u201c pro \u201emodern\u00ed dobu\u201c a z\u00e1rove\u0148 sn\u00ed\u017eit n\u00e1klady.<\/span><\/p>\n

\u201eAby se zlep\u0161ila schopnost Ameri\u010dan\u016f vyu\u017e\u00edvat tyto slu\u017eby, mus\u00ed feder\u00e1ln\u00ed vl\u00e1da aktualizovat sv\u00e9 zastaral\u00e9 p\u0159edpisy, aby umo\u017enila integraci digit\u00e1ln\u00edch aktiv a dal\u0161\u00edch nov\u00fdch finan\u010dn\u00edch technologi\u00ed do tradi\u010dn\u00edch finan\u010dn\u00edch slu\u017eeb a platebn\u00edch syst\u00e9m\u016f.\u201c<\/span><\/em><\/p>\n

\u201eOstatn\u00ed finan\u010dn\u00ed p\u0159edpisy, sm\u011brnice a z\u00e1sady jsou poz\u016fstatkem doby, kdy byly finan\u010dn\u00ed slu\u017eby poskytov\u00e1ny p\u0159ev\u00e1\u017en\u011b ve fyzick\u00fdch pobo\u010dk\u00e1ch, a je t\u0159eba je aktualizovat tak, aby odr\u00e1\u017eely modernitu, digit\u00e1ln\u00ed ekonomiku a v\u00fdhody, kter\u00e9 technologie mohou nab\u00eddnout v\u0161em Ameri\u010dan\u016fm, v\u010detn\u011b sn\u00ed\u017een\u00ed n\u00e1klad\u016f na finan\u010dn\u00ed slu\u017eby.\u201c<\/span><\/em><\/p>\n

\u201eToto na\u0159\u00edzen\u00ed pom\u016f\u017ee upevnit pozici Spojen\u00fdch st\u00e1t\u016f jako sv\u011btov\u00e9ho l\u00eddra v oblasti inovac\u00ed finan\u010dn\u00edch technologi\u00ed, co\u017e pom\u016f\u017ee sn\u00ed\u017eit n\u00e1klady a vytvo\u0159it v\u011bt\u0161\u00ed ekonomick\u00e9 p\u0159\u00edle\u017eitosti pro tvrd\u011b pracuj\u00edc\u00ed Ameri\u010dany.\u201c<\/span><\/em><\/p>\n

Den pot\u00e9, co Trump podepsal toto v\u00fdkonn\u00e9 na\u0159\u00edzen\u00ed, ozn\u00e1mila Rada Feder\u00e1ln\u00edho rezervn\u00edho syst\u00e9mu, \u017ee v sou\u010dasn\u00e9 dob\u011b diskutuje o vytvo\u0159en\u00ed \u201eplatebn\u00edho \u00fa\u010dtu\u201c, kter\u00fd by \u201epr\u00e1vn\u011b opr\u00e1vn\u011bn\u00e9 finan\u010dn\u00ed instituce mohly pou\u017e\u00edvat konkr\u00e9tn\u011b k z\u00fa\u010dtov\u00e1n\u00ed a vypo\u0159\u00e1d\u00e1n\u00ed sv\u00fdch plateb\u201c.<\/span><\/p>\n

N\u011bkte\u0159\u00ed to ozna\u010duj\u00ed jako \u201e\u00fazk\u00e9 platebn\u00ed \u00fa\u010dty\u201c, co\u017e znamen\u00e1, \u017ee opr\u00e1vn\u011bn\u00e9 nebankovn\u00ed finan\u010dn\u00ed instituce (fintech spole\u010dnosti a spr\u00e1vci stablecoin\u016f) mohou p\u0159\u00edmo vypo\u0159\u00e1d\u00e1vat a zpracov\u00e1vat platby, ani\u017e by se spol\u00e9haly na sponzorsk\u00e9 banky \u2013 n\u00e1vrh, kter\u00fd poprv\u00e9 p\u0159edlo\u017eil guvern\u00e9r Fedu Christopher Waller v \u0159\u00edjnu lo\u0148sk\u00e9ho roku.<\/span><\/p>\n

Fed v tiskov\u00e9 zpr\u00e1v\u011b napsal:<\/span><\/p>\n

\u201eVzhledem k rychl\u00e9mu v\u00fdvoji platebn\u00edho prost\u0159ed\u00ed se finan\u010dn\u00ed instituce s neust\u00e1le se roz\u0161i\u0159uj\u00edc\u00ed \u0161k\u00e1lou obchodn\u00edch model\u016f sna\u017e\u00ed o p\u0159\u00edm\u00fd p\u0159\u00edstup k platebn\u00edm slu\u017eb\u00e1m Feder\u00e1ln\u00edho rezervn\u00edho syst\u00e9mu, aby sn\u00ed\u017eily n\u00e1klady a zv\u00fd\u0161ily rychlost plateb. Mnoho z t\u011bchto \u017e\u00e1dost\u00ed o p\u0159\u00edstup poch\u00e1z\u00ed od instituc\u00ed, kter\u00e9 nejsou feder\u00e1ln\u011b poji\u0161t\u011bny.\u201c<\/span><\/em><\/p>\n

\u201eNavrhovan\u00fd platebn\u00ed \u00fa\u010det by byl navr\u017een tak, aby podporoval inovace t\u00edm, \u017ee by uspokojoval pot\u0159eby clearingu a vypo\u0159\u00e1d\u00e1n\u00ed ur\u010dit\u00fdch opr\u00e1vn\u011bn\u00fdch instituc\u00ed a z\u00e1rove\u0148 zm\u00edr\u0148oval v\u00fdznamn\u00e1 rizika pro rezervn\u00ed banky a platebn\u00ed syst\u00e9m. Ze z\u00e1kona o \u017e\u00e1dostech o p\u0159\u00edstup k \u00fa\u010dt\u016fm a platebn\u00edm slu\u017eb\u00e1m Feder\u00e1ln\u00edho rezervn\u00edho syst\u00e9mu rozhoduj\u00ed rezervn\u00ed banky.\u201c<\/span><\/em><\/p>\n

\u201e\u00a0<\/span>Bankless Times<\/span><\/em>\u00a0\u201c napsal(a):<\/span><\/p>\n

Pokud budou schv\u00e1leny, \u201eSkinny Master Accounts\u201c by umo\u017enily n\u011bkter\u00fdm kryptom\u011bnov\u00fdm a fintech spole\u010dnostem vy\u0159izovat platby p\u0159\u00edmo s Fedem, m\u00edsto aby se spol\u00e9haly v\u00fdhradn\u011b na partnersk\u00e9 banky; st\u00e1le by v\u0161ak vy\u017eadovaly platbu p\u0159edem, zabr\u00e1nily by p\u0159e\u010derp\u00e1n\u00ed \u00fa\u010dtu a omezily by slu\u017eby na ur\u010dit\u00e9 clearingov\u00e9 funkce.<\/span><\/em><\/p>\n

Pro emitenty stablecoin\u016f, burzy nebo platformy pro \u00faschovu by tato konstelace mohla umo\u017enit rychlej\u0161\u00ed p\u0159echod mezi tokenizovan\u00fdmi aktivy a dolarem zalo\u017een\u00fdm na Fedu a jejich ukon\u010den\u00ed, a\u010dkoli p\u0159\u00edsn\u00e1 na\u0159\u00edzen\u00ed proti pran\u00ed \u0161pinav\u00fdch pen\u011bz a sank\u010dn\u00ed p\u0159edpisy pravd\u011bpodobn\u011b omez\u00ed po\u010det kvalifikovan\u00fdch krypto spole\u010dnost\u00ed.<\/span><\/em><\/p>\n

Ledger Insights<\/span><\/em>\u00a0d\u00e1le\u00a0dodal: \u201ePlatebn\u00ed \u00fa\u010dty by nem\u011bly p\u0159\u00edstup k okam\u017eit\u00fdm p\u016fj\u010dk\u00e1m, p\u016fj\u010dk\u00e1m s diskontn\u00edm oknem ani platebn\u00edm \u0159e\u0161en\u00edm s \u00fav\u011brov\u00fdmi mo\u017enostmi, jako je FedACH. To znamen\u00e1, \u017ee platebn\u00ed mo\u017enosti jsou omezeny na Fedwire, FedNow, National Settlement Service a Fedwire Securities Service. To sni\u017euje \u00fav\u011brov\u00e9 riziko a je to jeden z d\u016fvod\u016f, pro\u010d by proces \u017e\u00e1dosti mohl b\u00fdt rychlej\u0161\u00ed, a to na 90 dn\u00ed.\u201c<\/span><\/p>\n

Jak poznamenal\u00a0<\/span>den\u00edk The WP<\/span><\/em>\u00a0v dob\u011b spu\u0161t\u011bn\u00ed syst\u00e9mu okam\u017eit\u00fdch p\u0159evod\u016f pen\u011bz FedNow v roce 2023, tento syst\u00e9m m\u016f\u017ee usnadnit zaveden\u00ed CBDC. Guvern\u00e9rka Fedu Loretta Mesterov\u00e1 tak\u00e9 ozn\u00e1mila, \u017ee FedNow umo\u017en\u00ed Fedu a partnersk\u00fdm bank\u00e1m zm\u00edr\u0148ovat a kontrolovat transakce s tvrzen\u00edm, \u017ee syst\u00e9m okam\u017eit\u00fdch p\u0159evod\u016f pen\u011bz zabr\u00e1n\u00ed podvod\u016fm \u2013 stejnou formulaci nyn\u00ed pou\u017e\u00edv\u00e1 Trumpova administrativa. Mesterov\u00e1 tehdy (\u010d\u00e1ste\u010dn\u011b) uvedla:<\/span><\/p>\n

\u201ePrvn\u00ed verze slu\u017eby FedNow bude obsahovat funkce, kter\u00e9 pomohou bank\u00e1m \u0159\u00eddit rizika podvod\u016f a minimalizovat ztr\u00e1ty zp\u016fsoben\u00e9 podvody.\u201c<\/span><\/em><\/p>\n

\u201eTo zahrnuje n\u00e1stroje, kter\u00e9 \u00fa\u010dastn\u00edk\u016fm umo\u017e\u0148uj\u00ed odm\u00edtnout platby na \u00fa\u010dty a z \u00fa\u010dt\u016f, kter\u00e9 ozna\u010dili jako podez\u0159el\u00e9, a nastavit horn\u00ed limity pro v\u00fd\u0161i transakce.\u201c<\/span><\/em><\/p>\n

\u201eD\u00e1le budou k dispozici n\u00e1stroje, kter\u00e9 finan\u010dn\u00edm instituc\u00edm pomohou vy\u0161et\u0159ovat chybn\u00e9 nebo potenci\u00e1ln\u011b podvodn\u00e9 transakce. Prevence podvod\u016f je dynamick\u00fd proces, tak\u017ee slu\u017eba bude postupn\u011b nab\u00edzet dal\u0161\u00ed n\u00e1stroje pro prevenci podvod\u016f.\u201c<\/span><\/em><\/p>\n

\u201eDob\u0159e funguj\u00edc\u00ed a bezpe\u010dn\u00fd platebn\u00ed syst\u00e9m je pro na\u0161i ekonomiku kl\u00ed\u010dov\u00fd. P\u0159i modernizaci platebn\u00edho syst\u00e9mu nesm\u00edme zapom\u00ednat, \u017ee ve\u0159ejn\u00e1 d\u016fv\u011bra je z\u00e1kladem \u00fasp\u011b\u0161n\u00e9ho platebn\u00edho syst\u00e9mu.\u201c<\/span><\/em><\/p>\n

Z\u00e1m\u011br Fedu integrovat \u00fa\u010dty pro fintech spole\u010dnosti a spr\u00e1vce stablecoin\u016f se v\u0161ak setkal se sm\u00ed\u0161en\u00fdmi reakcemi. Jak\u00a0uv\u00e1d\u00ed\u00a0<\/span>The Block :<\/span><\/em><\/p>\n

Ud\u011blen\u00ed p\u0159\u00edstupu k hlavn\u00edm \u00fa\u010dt\u016fm Fedu pro kryptom\u011bnov\u00e9 spole\u010dnosti je p\u0159edm\u011btem v\u00e1\u0161niv\u00e9 debaty, zejm\u00e9na pot\u00e9, co Feder\u00e1ln\u00ed rezervn\u00ed banka Kansas City v b\u0159eznu schv\u00e1lila pro Payward, mate\u0159skou spole\u010dnost kryptom\u011bnov\u00e9 burzy Kraken, tzv. \u201e\u00da\u010det s omezen\u00fdm \u00fa\u010delem\u201c.<\/span><\/em><\/p>\n

Toto ujedn\u00e1n\u00ed umo\u017enilo spole\u010dnosti Kraken p\u0159\u00edstup k centr\u00e1ln\u00edm platebn\u00edm syst\u00e9m\u016fm pou\u017e\u00edvan\u00fdm ke zpracov\u00e1n\u00ed plateb ve velk\u00e9m objemu v dolarech, co\u017e potenci\u00e1ln\u011b umo\u017enilo rychlej\u0161\u00ed vklady a v\u00fdb\u011bry pro institucion\u00e1ln\u00ed klienty \u2013 i kdy\u017e to s sebou nese ur\u010dit\u00e1 omezen\u00ed, v\u010detn\u011b prominut\u00ed \u00farok\u016f z vklad\u016f. Arjun Sethi, spolugener\u00e1ln\u00ed \u0159editel spole\u010dnosti Kraken, tento krok ocenil jako \u201epropojen\u00ed krypto infrastruktury a st\u00e1tn\u00edch finan\u010dn\u00edch syst\u00e9m\u016f\u201c.<\/span><\/em><\/p>\n

Minul\u00fd m\u011bs\u00edc p\u0159edstavili kaliforn\u0161t\u00ed poslanci Sam Liccardo (demokrat) a Young Kim (republik\u00e1n) n\u00e1vrh z\u00e1kona o p\u0159\u00edstupu k platb\u00e1m a efektivit\u011b spot\u0159ebitel\u016f (PACE), kter\u00fd by ur\u010dit\u00fdm poskytovatel\u016fm umo\u017enil p\u0159\u00edstup k platebn\u00edm slu\u017eb\u00e1m Feder\u00e1ln\u00edho rezervn\u00edho syst\u00e9mu. N\u00e1vrh z\u00e1kona, kter\u00fd je st\u00e1le v ran\u00e9 f\u00e1zi, z\u00edskal podporu od asociac\u00ed kryptopr\u016fmyslu.<\/span><\/em><\/p>\n

AUTOR\u016eV KOMENT\u00c1\u0158<\/span><\/strong><\/p>\n

No, tady to m\u00e1te: p\u0159\u00edmo pod nosem, r\u00e1mec pro digit\u00e1ln\u00ed identity, ani\u017e bychom to tak naz\u00fdvali; zcela v souladu s t\u00edm, co v\u0161ichni tito globalist\u00e9 \u2013 Sv\u011btov\u00e9 ekonomick\u00e9 f\u00f3rum, Banka pro mezin\u00e1rodn\u00ed platby, Mezin\u00e1rodn\u00ed m\u011bnov\u00fd fond, Sv\u011btov\u00e1 banka, Organizace spojen\u00fdch n\u00e1rod\u016f, BlackRock, Institut Tonyho Blaira atd. \u2013 \u0159\u00edkaj\u00ed u\u017e l\u00e9ta.<\/span><\/p>\n

Trump a jeho administrativa v\u011bd\u00ed, \u017ee je to velmi nepopul\u00e1rn\u00ed, a tak to Trump ti\u0161e podepsal (nebyl \u017e\u00e1dn\u00fd form\u00e1ln\u00ed ceremoni\u00e1l podpisu, jak\u00fd obvykle r\u00e1d po\u0159\u00e1d\u00e1 p\u0159ed kamerami, co\u017e o v\u0161em vypov\u00edd\u00e1), p\u0159\u00edmo to nezm\u00ednil jako digit\u00e1ln\u00ed identifika\u010dn\u00ed \u010d\u00edslo a mainstreamov\u00e1 m\u00e9dia ani \u201ealternativn\u00ed\u201c podcasty se o tom nezm\u00ednily. Skv\u011bl\u00e9.<\/span><\/p>\n

Op\u011bt se pou\u017e\u00edv\u00e1 z\u00e1minka boje proti neleg\u00e1ln\u00ed imigraci a drogov\u00e9mu terorismu, ale kdyby to vl\u00e1da s zastaven\u00edm tohoto podvodu myslela opravdu v\u00e1\u017en\u011b, mohla to ud\u011blat u\u017e d\u00e1vno. Op\u011bt plat\u00ed, \u017ee REAL ID ji\u017e existuje a je vy\u017eadov\u00e1n pro vstup do feder\u00e1ln\u00edch budov a v mnoha p\u0159\u00edpadech i pro l\u00e9t\u00e1n\u00ed, ale to nesta\u010d\u00ed. Pro\u010d? Proto\u017ee skute\u010dn\u00fdm c\u00edlem je biometrick\u00e1 digit\u00e1ln\u00ed identifikace.<\/span><\/p>\n

A samotn\u00e9 zn\u011bn\u00ed v\u00fdzvy k pod\u00e1v\u00e1n\u00ed \u017ealob prozrazuje, o co v tomto p\u0159\u00edpad\u011b jde: \u201eVarn\u00e9 sign\u00e1ly\u201c jsou definov\u00e1ny jako \u201eneofici\u00e1ln\u00ed\u201c platby (\u010dern\u00e9 pen\u00edze) nebo je odsuzov\u00e1na \u201epodpora \u0161ed\u00e9 ekonomiky\u201c \u2013 hotovostn\u00ed a pap\u00edrov\u00e9 transakce, kter\u00e9 je obt\u00ed\u017en\u011bj\u0161\u00ed sledovat. To je zde skute\u010dn\u00fd c\u00edl.<\/span><\/p>\n

P\u0159edpov\u00eddali jsme to: Varovali jsme, \u017ee se to stane, a Trumpova administrativa a ministerstvo financ\u00ed tento r\u00e1mec potichu buduj\u00ed. Je to k\u0159i\u0161\u0165\u00e1lov\u011b jasn\u011b uvedeno v z\u00e1kon\u011b Genius Act (o kter\u00e9m v\u011bt\u0161ina lid\u00ed nikdy nesly\u0161ela!) a je to uvedeno v dokumentech B\u00edl\u00e9ho domu, kter\u00e9 nasti\u0148uj\u00ed pl\u00e1ny t\u00e9to administrativy na p\u0159echod na tokenizovan\u00fd r\u00e1mec.<\/span><\/p>\n

Pod\u00edvejte se znovu na zpr\u00e1vu, kterou jsem zve\u0159ejnil loni v z\u00e1\u0159\u00ed a v n\u00ed\u017e jsme zkoumali zpr\u00e1vu B\u00edl\u00e9ho domu, kter\u00e1 se konkr\u00e9tn\u011b zab\u00fdvala zaveden\u00edm digit\u00e1ln\u00edch identifika\u010dn\u00edch karet a restrukturalizac\u00ed ekonomiky v z\u00e1jmu blockchainov\u00fdch \u00fa\u010detn\u00edch knih, tokenizovan\u00fdch aktiv, stablecoin\u016f a CBDC.<\/span><\/p>\n

Z t\u00e9to zpr\u00e1vy:<\/span><\/strong><\/p>\n

Ministerstvo financ\u00ed zve\u0159ejnilo 18. srpna ve Feder\u00e1ln\u00edm rejst\u0159\u00edku v\u00fdzvu k pod\u00e1v\u00e1n\u00ed p\u0159ipom\u00ednek, v n\u00ed\u017e \u017e\u00e1d\u00e1 finan\u010dn\u00ed instituce, technologick\u00e9 spole\u010dnosti a ve\u0159ejnost o zp\u011btnou vazbu k \u201einovativn\u00edm nebo nov\u00fdm metod\u00e1m, technik\u00e1m \u010di strategi\u00edm pro odhalov\u00e1n\u00ed a zm\u00edr\u0148ov\u00e1n\u00ed rizik neleg\u00e1ln\u00edch finan\u010dn\u00edch transakc\u00ed souvisej\u00edc\u00edch s digit\u00e1ln\u00edmi aktivy\u201c.<\/span><\/em><\/p>\n

Toto je sou\u010d\u00e1st z\u00e1vazku stanoven\u00e9ho v z\u00e1kon\u011b\u00a0<\/span><\/em>o veden\u00ed a zav\u00e1d\u011bn\u00ed n\u00e1rodn\u00edch inovac\u00ed pro americk\u00e9 stablecoiny (GENIUS Act)<\/span><\/a><\/em><\/strong>\u00a0, co\u017e je z\u00e1kon, kter\u00fd v \u010dervenci podepsal prezident Donald Trump a kter\u00fd zav\u00e1d\u00ed r\u00e1mec pro stablecoiny: digit\u00e1ln\u00ed dolary, programovateln\u00e9 tokeny, kter\u00e9 funguj\u00ed jako \u201epen\u00edze\u201c a umo\u017e\u0148uj\u00ed spole\u010dnostem a dal\u0161\u00edm t\u0159et\u00edm stran\u00e1m fakticky se st\u00e1t \u201ebankou\u201c schopnou vyd\u00e1vat stablecoiny v\u00e1zan\u00e9 na americk\u00fd dolar. Jak jsem uvedl ve sv\u00e9 zpr\u00e1v\u011b v t\u00fddnu po podpisu \u2013 po nejdel\u0161\u00edm hlasov\u00e1n\u00ed Kongresu v historii \u2013 z\u00e1kon fakticky vytv\u00e1\u0159\u00ed CBDC, spravovan\u00e9 t\u0159et\u00edmi stranami ve spolupr\u00e1ci s vl\u00e1dou USA na regulaci, s technologiemi a finan\u010dn\u00edmi prost\u0159edky v\u00e1zan\u00fdmi na Feder\u00e1ln\u00ed rezervn\u00ed syst\u00e9m.<\/span><\/em><\/p>\n

Trump\u016fv poradce pro um\u011blou inteligenci a kryptom\u011bny David Sacks b\u011bhem slavnostn\u00edho podpisu potvrdil, \u017ee z\u00e1kon vytv\u00e1\u0159\u00ed digit\u00e1ln\u00ed dolar, kter\u00fd budou nakonec \u0161iroce pou\u017e\u00edvat Ameri\u010dan\u00e9 i dal\u0161\u00ed lid\u00e9 na cel\u00e9m sv\u011bt\u011b.<\/span><\/em><\/p>\n

\u201eTento skv\u011bl\u00fd z\u00e1kon zajist\u00ed americkou dominanci v kryptopr\u016fmyslu t\u00edm, \u017ee stanov\u00ed jasn\u00e1 pravidla hry. Nahrad\u00ed st\u00e1vaj\u00edc\u00ed platebn\u00ed metody revolu\u010dn\u00edm nov\u00fdm platebn\u00edm syst\u00e9mem a, jak jste \u0159ekl, anonymizuje americk\u00fd dolar po cel\u00e9m sv\u011bt\u011b vytvo\u0159en\u00edm digit\u00e1ln\u00edho dolaru, kter\u00fd budou moci pou\u017e\u00edvat lid\u00e9 na cel\u00e9m sv\u011bt\u011b.\u201c<\/span><\/em><\/p>\n

\u201eA na ka\u017ed\u00fd digit\u00e1ln\u00ed dolar v krypto pen\u011b\u017eence p\u0159ipadne jeden tradi\u010dn\u00ed dolar na \u00fa\u010det v americk\u00e9 bance, co\u017e vytvo\u0159\u00ed biliony dolar\u016f popt\u00e1vky po americk\u00fdch st\u00e1tn\u00edch dluhopisech. To je tedy s\u00edla tohoto z\u00e1kona \u2013 jak jste se ptali ve v\u0161ech sv\u00fdch koment\u00e1\u0159\u00edch: Toto je obrovsk\u00fd slib, kter\u00fd prezident Trump dal a dodr\u017eel.\u201c<\/span><\/em><\/p>\n

\u017d\u00e1dost ministerstva financ\u00ed o koment\u00e1\u0159 podle z\u00e1kona GENIUS se t\u00fdkala \u010dty\u0159 bod\u016f: rozhran\u00ed pro programov\u00e1n\u00ed aplikac\u00ed (API), um\u011bl\u00e9 inteligence, technologie blockchain a jej\u00edho monitorov\u00e1n\u00ed a ov\u011b\u0159ov\u00e1n\u00ed digit\u00e1ln\u00ed identity. Ohledn\u011b doklad\u016f digit\u00e1ln\u00ed identity ministerstvo financ\u00ed napsalo:<\/span><\/em><\/p>\n

\u201eOv\u011b\u0159ov\u00e1n\u00ed digit\u00e1ln\u00ed identity (zn\u00e1m\u00e9 tak\u00e9 jako proofing identity) je proces, kter\u00fd v digit\u00e1ln\u00edm kontextu zji\u0161\u0165uje a ov\u011b\u0159uje, zda je dan\u00e1 osoba skute\u010dn\u011b t\u00edm, za koho se vyd\u00e1v\u00e1. Ministerstvo financ\u00ed si je v\u011bdomo n\u011bkolika iniciativ v odv\u011btv\u00ed digit\u00e1ln\u00edch aktiv, jejich\u017e c\u00edlem je vyvinout p\u0159enositeln\u00e9 digit\u00e1ln\u00ed doklady toto\u017enosti na podporu r\u016fzn\u00fdch aspekt\u016f boje proti pran\u00ed \u0161pinav\u00fdch pen\u011bz (AML) a financov\u00e1n\u00ed terorismu (CFT) a dodr\u017eov\u00e1n\u00ed sankc\u00ed, maximalizovat soukrom\u00ed u\u017eivatel\u016f a sn\u00ed\u017eit z\u00e1t\u011b\u017e finan\u010dn\u00edch instituc\u00ed v oblasti dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f.\u201c<\/span><\/em><\/p>\n

\u201eTyto n\u00e1stroje mohou obsahovat r\u016fzn\u00e9 typy informac\u00ed, jako jsou vl\u00e1dou vydan\u00e9 identifika\u010dn\u00ed doklady nebo biometrick\u00e9 \u00fadaje, a mohou se li\u0161it v z\u00e1vislosti na sv\u00e9m provozn\u00edm modelu, spr\u00e1v\u011b a snadnosti pou\u017eit\u00ed. N\u00e1stroje pro ov\u011b\u0159ov\u00e1n\u00ed digit\u00e1ln\u00ed identity mohou b\u00fdt tak\u00e9 potenci\u00e1ln\u011b vyu\u017e\u00edv\u00e1ny regulovan\u00fdmi zprost\u0159edkovateli digit\u00e1ln\u00edch aktiv k podpo\u0159e onboardingu nebo decentralizovan\u00fdmi finan\u010dn\u00edmi (DeFi) chytr\u00fdmi smlouvami k automatick\u00e9mu ov\u011b\u0159en\u00ed p\u0159ihla\u0161ovac\u00edch \u00fadaj\u016f p\u0159ed proveden\u00edm transakce u\u017eivatele.\u201c<\/span><\/em><\/p>\n

Dva t\u00fddny po schv\u00e1len\u00ed z\u00e1kona GENIUS vydal B\u00edl\u00fd d\u016fm 166str\u00e1nkovou zpr\u00e1vu s n\u00e1zvem \u201ePos\u00edlen\u00ed americk\u00e9ho v\u016fd\u010d\u00edho postaven\u00ed v oblasti digit\u00e1ln\u00edch finan\u010dn\u00edch technologi\u00ed\u201c. Zpr\u00e1va, jej\u00edm\u017e autorem je pracovn\u00ed skupina slo\u017een\u00e1 ze z\u00e1stupc\u016f r\u016fzn\u00fdch ministerstev, podrobn\u011b popisuje pl\u00e1ny a doporu\u010den\u00ed administrativy pro budoucnost financ\u00ed a nasti\u0148uje, jak bude t\u011bchto c\u00edl\u016f dosa\u017eeno. Podle pracovn\u00ed skupiny dokument \u201epodporuje my\u0161lenku, \u017ee digit\u00e1ln\u00ed aktiva a technologie blockchainu mohou zp\u016fsobit revoluci nejen v americk\u00e9m finan\u010dn\u00edm syst\u00e9mu, ale tak\u00e9 ve vlastnictv\u00ed a spr\u00e1v\u011b v cel\u00e9 ekonomice\u201c.<\/span><\/em><\/p>\n

D\u00e1le jsme varovali, \u017ee p\u0159edpisy KYC a proti pran\u00ed \u0161pinav\u00fdch pen\u011bz (AML) z \u00e9ry z\u00e1kona Patriot Act budou \u201emodernizov\u00e1ny\u201c tak, aby zahrnovaly biometrick\u00e9 \u00fadaje, kter\u00e9 \u201eprok\u00e1\u017e\u00ed, \u017ee jste skute\u010dn\u00e1 osoba a skute\u010dn\u00fd dr\u017eitel \u00fa\u010dtu\u201c.<\/span><\/p>\n

St\u00e1le se na tento \u010dl\u00e1nek odvol\u00e1v\u00e1m, ale je velmi d\u016fle\u017eit\u00e9 zd\u016fraznit toto: Tony Blair jasn\u011b vysv\u011btlil, co je digit\u00e1ln\u00ed identifika\u010dn\u00ed \u010d\u00edslo:<\/span><\/p>\n

\u201eT\u00edmto d\u016fle\u017eit\u00fdm n\u00e1strojem je digit\u00e1ln\u00ed identita. Nen\u00ed to jen nov\u00e1 forma ov\u011b\u0159ov\u00e1n\u00ed identity, ale nov\u00fd syst\u00e9m pro spr\u00e1vu informac\u00ed, kter\u00e9 sd\u00edl\u00edme s \u00fa\u0159ady \u2013 syst\u00e9m p\u0159izp\u016fsoben\u00fd na\u0161emu sou\u010dasn\u00e9mu \u017eivotn\u00edmu stylu. Je to digit\u00e1ln\u00ed pen\u011b\u017eenka pro ka\u017ed\u00e9ho jednotlivce, kter\u00e1 mu poskytuje p\u0159\u00edstup k jeho dokument\u016fm (nap\u0159\u00edklad \u0159idi\u010dsk\u00e9mu pr\u016fkazu) a kontrolu nad jeho daty.\u201c<\/span><\/em><\/p>\n

\u201eNov\u00fd ekosyst\u00e9m je navr\u017een tak, aby lidem usnadnil \u017eivot a umo\u017enil jim pou\u017e\u00edvat svou digit\u00e1ln\u00ed identitu v mnoha r\u016fzn\u00fdch kontextech \u2013 nejen k p\u0159ihl\u00e1\u0161en\u00ed do vl\u00e1dn\u00edch slu\u017eeb, ale tak\u00e9 k p\u0159\u00edstupu ke komer\u010dn\u00edmu zbo\u017e\u00ed a slu\u017eb\u00e1m. Mohli by nap\u0159\u00edklad prok\u00e1zat \u0159idi\u010dsk\u00fd pr\u016fkaz p\u0159i pron\u00e1jmu auta nebo ov\u011b\u0159it sv\u016fj v\u011bk online. M\u011bl by b\u00fdt tak\u00e9 p\u0159\u00edstupn\u00fd v\u0161em, bez ohledu na to, zda vlastn\u00ed chytr\u00fd telefon.\u201c<\/span><\/em><\/p>\n

P\u0159esn\u011b tak se vyv\u00edjej\u00ed KYC a AML tady ve Spojen\u00fdch st\u00e1tech i po cel\u00e9m sv\u011bt\u011b\u2026<\/span><\/p>\n

To v\u0161e se rovn\u00e1 jak\u00e9musi \u201esoci\u00e1ln\u00edmu kreditn\u00edmu ratingu\u201c. Nev\u011b\u0159\u00edte mi? Pod\u00edvejte se na tento obr\u00e1zek,\u00a0kter\u00fd vytvo\u0159ila\u00a0<\/span>Banka pro mezin\u00e1rodn\u00ed platby (BIS) ve sv\u00e9 v\u00fdro\u010dn\u00ed zpr\u00e1v\u011b za rok 2025 :<\/span><\/a><\/strong><\/p>\n

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BIS\u00a0p\u00ed\u0161e\u00a0<\/span>:<\/span><\/em><\/strong><\/p>\n

P\u0159edpisy proti pran\u00ed \u0161pinav\u00fdch pen\u011bz (AML) v platebn\u00edch syst\u00e9mech si kladou za c\u00edl vy\u017eadovat, aby jednotliv\u00e9 finan\u010dn\u00ed instituce odhalovaly podez\u0159elou aktivitu a hl\u00e1sily ji \u00fa\u0159ad\u016fm.<\/span><\/em><\/strong>\u00a0Existuj\u00ed dva p\u0159\u00edstupy k vyu\u017eit\u00ed um\u011bl\u00e9 inteligence (AI) v boji proti pran\u00ed \u0161pinav\u00fdch pen\u011bz a finan\u010dn\u00ed kriminalit\u011b (obr\u00e1zek B1). Jedn\u00edm z nich je vyu\u017eit\u00ed metod strojov\u00e9ho u\u010den\u00ed (ML) k\u00a0<\/span><\/em>detekci vzorc\u016f v platebn\u00edch datech, a t\u00edm k identifikaci potenci\u00e1ln\u00edch p\u0159\u00edpad\u016f pran\u00ed \u0161pinav\u00fdch pen\u011bz<\/span><\/em><\/strong>\u00a0. Ve srovn\u00e1n\u00ed s metodami zalo\u017een\u00fdmi na pravidlech, kter\u00e9 se spol\u00e9haj\u00ed na \u00fazce definovan\u00e9 atributy plateb na \u00farovni transakce, se metody ML sna\u017e\u00ed \u201enaj\u00edt jehlu v kupce sena\u201c.\u00a0<\/span><\/em>N\u00e1stroje ML mohou vyu\u017e\u00edvat chov\u00e1n\u00ed \u00fa\u010dt\u016f a transakc\u00ed, informace o KYC (know your customer) a dal\u0161\u00ed informace identifikovan\u00e9 vy\u0161et\u0159ovateli k poskytov\u00e1n\u00ed ov\u011b\u0159iteln\u00fdch v\u00fdsledk\u016f detekce pro prevenci podvod\u016f, \u010d\u00edm\u017e se sni\u017euj\u00ed fale\u0161n\u011b pozitivn\u00ed v\u00fdsledky.<\/span><\/em><\/strong>\u00a0Metody ML mohou nav\u00edc \u010derpat ze vzorc\u016f plateb v cel\u00e9 s\u00edti. Pokud transakce prob\u00edh\u00e1 p\u0159es v\u00edce jurisdikc\u00ed, vy\u017eaduje detekce pran\u00ed \u0161pinav\u00fdch pen\u011bz pou\u017eit\u00ed dat z v\u00edce jurisdikc\u00ed. R\u00e1mce pro spr\u00e1vu dat v\u0161ak mohou omezit agregaci dat nap\u0159\u00ed\u010d jurisdikcemi. Kryptografick\u00e1 \u0159e\u0161en\u00ed \u010dasto nedostate\u010dn\u011b \u0159e\u0161\u00ed obavy o ochranu osobn\u00edch \u00fadaj\u016f.<\/span><\/em><\/p>\n

Druh\u00fd p\u0159\u00edstup zahrnuje vyu\u017eit\u00ed agent\u016f um\u011bl\u00e9 inteligence, kte\u0159\u00ed pom\u00e1haj\u00ed jednotliv\u00fdm finan\u010dn\u00edm instituc\u00edm \u0159\u00eddit jejich z\u00e1t\u011b\u017e v oblasti dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f. Nasazen\u00ed agent\u016f s um\u011blou inteligenc\u00ed nab\u00edz\u00ed slibn\u00e9 p\u0159\u00edle\u017eitosti k vyu\u017eit\u00ed jejich schopnosti ovl\u00e1dat po\u010d\u00edta\u010d podobn\u011b jako \u010dlov\u011bk. Tito agenti napodobuj\u00ed typick\u00e9 interakce \u010dlov\u011bka s po\u010d\u00edta\u010dem po\u0159izov\u00e1n\u00edm sn\u00edmk\u016f obrazovky a pou\u017e\u00edv\u00e1n\u00edm my\u0161i a kl\u00e1vesnice k prov\u00e1d\u011bn\u00ed rutinn\u00edch \u00fakol\u016f spojen\u00fdch s generov\u00e1n\u00edm hl\u00e1\u0161en\u00ed o podez\u0159el\u00e9 aktivit\u011b. Tito agenti s um\u011blou inteligenc\u00ed mohou prov\u00e1d\u011bt vy\u0161et\u0159ov\u00e1n\u00ed stejn\u00fdm zp\u016fsobem jako \u010dlov\u011bk, ani\u017e by bylo nutn\u00e9 prov\u00e1d\u011bt jak\u00e9koli \u00fapravy samotn\u00fdch \u00fakol\u016f. Sta\u010d\u00ed se nau\u010dit, jak by \u010dlov\u011bk postupoval. Tito agenti mohou zpo\u010d\u00e1tku fungovat jako kopiloti, autonomn\u011b plnit \u00fakoly a identifikovat oblasti, kde je nutn\u00fd lidsk\u00fd z\u00e1sah.<\/span><\/em><\/p>\n

Vid\u00edte to? Data KYC jsou agregov\u00e1na se v\u0161emi shrom\u00e1\u017ed\u011bn\u00fdmi daty a tokenizovan\u00fdmi aktivy, syst\u00e9m je analyzuje v datov\u00fdch centrech a pot\u00e9 je vyhodnocuje a audituje um\u011bl\u00e1 inteligence a dal\u0161\u00ed regul\u00e1to\u0159i. Na to jsme ji\u017e loni varovali, kdy\u017e BIS zve\u0159ejnila n\u00e1vrh na integraci \u201esk\u00f3re shody\u201c s AML do token\u016f na z\u00e1klad\u011b toho, jak jsou transakce zpracov\u00e1v\u00e1ny.<\/span><\/p>\n

K tomu v\u0161emu doch\u00e1z\u00ed a Trump je zvolen\u00fdm n\u00e1strojem, kter\u00fd n\u00e1s ve Spojen\u00fdch st\u00e1tech k t\u00e9to realit\u011b p\u0159ibl\u00ed\u017e\u00ed. Trump d\u011bl\u00e1 pro pos\u00edlen\u00ed Feder\u00e1ln\u00edho rezervn\u00edho syst\u00e9mu a centr\u00e1ln\u00edch bank v\u00edce ne\u017e jeho p\u0159edch\u016fdci \u2013 snad s v\u00fdjimkou Woodrowa Wilsona, kter\u00fd sehr\u00e1l kl\u00ed\u010dovou roli p\u0159i jeho vzniku v roce 1913.<\/span><\/p>\n

Nemysl\u00edm si, \u017ee je n\u00e1hoda, \u017ee Trump podepsal tyto v\u00fdkonn\u00e9 p\u0159\u00edkazy jen p\u00e1r dn\u00ed p\u0159ed ofici\u00e1ln\u00edm slo\u017een\u00edm p\u0159\u00edsahy Kevina Warshe jako nov\u00e9ho p\u0159edsedy Feder\u00e1ln\u00edho rezervn\u00edho syst\u00e9mu. Dnes se konal ceremoni\u00e1l pro Warshe \u2013 prvn\u00ed pro nov\u00e9ho p\u0159edsedu Fedu od Alana Greenspana v roce 1987.<\/span><\/p>\n

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