{"id":17434,"date":"2022-10-28T02:41:45","date_gmt":"2022-10-28T00:41:45","guid":{"rendered":"http:\/\/www.infokuryr.cz\/n\/?p=17434"},"modified":"2022-10-28T02:41:45","modified_gmt":"2022-10-28T00:41:45","slug":"cbdc-rizika-souvisejici-se-zavedenim-centralizovane-digitalni-meny","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2022\/10\/28\/cbdc-rizika-souvisejici-se-zavedenim-centralizovane-digitalni-meny\/","title":{"rendered":"CBDC: Rizika souvisej\u00edc\u00ed se zaveden\u00edm centralizovan\u00e9 digit\u00e1ln\u00ed m\u011bny"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<section class=\"perex\">CBDC &#8211; digit\u00e1ln\u00ed m\u011bna centr\u00e1ln\u00ed banky. Je nezbytn\u00e9, aby ka\u017ed\u00fd \u010dlov\u011bk pochopil, co navrhovan\u00e9 zm\u011bny m\u011bnov\u00e9ho syst\u00e9mu znamenaj\u00ed. Tyto zm\u011bny, pokud budou povoleny, by mohly b\u00fdt nejni\u010div\u011bj\u0161\u00ed ud\u00e1lost\u00ed v na\u0161em \u017eivot\u011b a potenci\u00e1ln\u011b nejv\u011bt\u0161\u00edm omezen\u00edm svobody v modern\u00ed historii. Pozn\u00e1mka. Zpravodajsk\u00e9 klipy v tomto videu jsou dramatizac\u00ed (fiktivn\u00ed) s vyu\u017eit\u00edm here\u010dky.<\/p>\n<\/section>\n<section class=\"clanek-obsah\">\n<div class=\"karta\">\n<figure><div class='videoWrapper'>\r\n\t            <iframe src='https:\/\/rumble.com\/embed\/v1lrzx0\/?pub=4' frameborder='0' allowfullscreen><\/iframe>\r\n\t        <\/div><\/figure>\n<\/div>\n<h2>P\u0159epis videa<\/h2>\n<p><b>Vyprav\u011b\u010d<\/b>: Zpravodajsk\u00e9 klipy v tomto videu jsou dramatizac\u00ed s here\u010dkou.<\/p>\n<p><b>M\u00e9dia<\/b>\u00a0(fiktivn\u00ed p\u0159\u00edb\u011bh): Vl\u00e1da Spojen\u00e9ho kr\u00e1lovstv\u00ed brzy zavede z\u00e1sadn\u00ed zm\u011bny v tom, jak funguj\u00ed pen\u00edze. Zm\u011bny pl\u00e1nuj\u00ed banky po cel\u00e9m sv\u011bt\u011b, v\u010detn\u011b britsk\u00e9 centr\u00e1ln\u00ed banky Bank of England. Zm\u011bny se po zaveden\u00ed dotknou v\u0161ech.<\/p>\n<p><b>Vyprav\u011b\u010d<\/b>: \u010ceho se ty zm\u011bny t\u00fdkaj\u00ed? Podle navrhovan\u00fdch zm\u011bn u\u017e nebudete m\u00edt plnou kontrolu nad sv\u00fdmi v\u00fddaji. Vlastn\u011b se pl\u00e1nuje nahrazen\u00ed pen\u011bz n\u011b\u010d\u00edm z\u00e1sadn\u011b odli\u0161n\u00fdm. Necht\u011bj\u00ed odstranit jen hotovost ale pen\u00edze jako takov\u00e9. D\u00e1vejte pozor, proto\u017ee pokud tento pen\u011b\u017en\u00ed syst\u00e9m schv\u00e1l\u00ed, bude obt\u00ed\u017en\u00e9 jej zvr\u00e1tit a m\u016f\u017ee znamenat konec svobody.<\/p>\n<p>Abychom si mohli vysv\u011btlit zm\u011bny chystan\u00e9 do budoucna, vysv\u011btl\u00edme si, jak pen\u00edze funguj\u00ed dnes. Dejme tomu, \u017ee John chce koupit sv\u00e9 dce\u0159i d\u00e1rek v obchod\u011b Argos. Vybere si zbo\u017e\u00ed a zaplat\u00ed 50 liber svou kartou. \u0158ekli byste, \u017ee 50 liber je hned p\u0159evedeno z jeho \u00fa\u010dtu na \u00fa\u010det Argosu. Ale tak to nen\u00ed. Vytvo\u0159\u00ed se z\u00e1znam o dluhu 50 liber Johnovy banky bance Argosu.<\/p>\n<p>Na Johnov\u011b \u00fa\u010dtu se uk\u00e1\u017ee ode\u010dten\u00ed pen\u011bz, ale k p\u0159evodu v okam\u017eiku n\u00e1kupu nedojde. John\u016fv n\u00e1kup je jednou z asi 50 milion\u016f plateb, ke kter\u00fdm v Brit\u00e1nii denn\u011b dojde. A\u010dkoli \u00fa\u010dty ukazuj\u00ed, \u017ee pen\u00edze byly p\u0159evedeny, k pohybu financ\u00ed mezi bankami doch\u00e1z\u00ed jen jednou denn\u011b. Ka\u017ed\u00fdch 24 hodin se se\u010dtou v\u0161echny platby t\u0159\u00ed stovek britsk\u00fdch bank a ur\u010d\u00ed se, kolik kter\u00e1 banka dlu\u017e\u00ed ostatn\u00edm. Bank of England je centr\u00e1ln\u00ed banka, s n\u00ed\u017e jsou ostatn\u00ed banky propojeny, odvod\u00ed celkovou \u010d\u00e1stku, kterou ka\u017ed\u00e1 banka ten den dlu\u017e\u00ed a m\u00e1 dostat. Bank of England zprost\u0159edkuje v\u00fdm\u011bnu financ\u00ed mezi ostatn\u00edmi bankami.<\/p>\n<p>Bank of England nev\u00ed nic o Johnovi ani o 50 libr\u00e1ch, kter\u00e9 utratil. Jeho pen\u00edze jsou jen nepatrnou sou\u010d\u00e1st\u00ed obrovsk\u00e9ho p\u0159evodu financ\u00ed. Co John se sv\u00fdmi pen\u011bzi d\u011bl\u00e1, to vid\u00ed jen jeho banka. Centr\u00e1ln\u00ed banka nevid\u00ed, za co a kdy John utr\u00e1c\u00ed. A Johnova banka nesm\u00ed nikomu o jeho v\u00fddaj\u00edch nic sd\u011blovat. Existuje anonymita a soukrom\u00ed ohledn\u011b toho, za co John utr\u00e1c\u00ed sv\u00e9 pen\u00edze. Tud\u00ed\u017e vl\u00e1da ani \u00fast\u0159edn\u00ed org\u00e1n, jako je Bank of England, nem\u016f\u017ee Johna omezovat, kdy\u017e pou\u017e\u00edv\u00e1 svou kartu, proto\u017ee nem\u00e1 p\u0159ehled, co John se sv\u00fdmi pen\u011bzi d\u011bl\u00e1.<\/p>\n<p>Pokud by John zaplatil 50 librami v hotovosti, byl by n\u00e1kup zcela anonymn\u00ed. Ani jeho banka by nev\u011bd\u011bla, za co je utratil. Hotovostn\u00ed platby jsou anonymn\u00ed. A platby kartou jsou t\u00e9m\u011b\u0159 anonymn\u00ed, v\u00ed o nich pouze va\u0161e banka. Jak\u00fd je tedy ten nov\u00fd syst\u00e9m? Naz\u00fdv\u00e1 se digit\u00e1ln\u00ed m\u011bna centr\u00e1ln\u00ed banky neboli CBDC. N\u011bkdy se mu \u0159\u00edk\u00e1 chytr\u00e9 pen\u00edze. Funguje n\u00e1sledovn\u011b. Dejme tomu, \u017ee John chce op\u011bt sv\u00e9 dce\u0159i koupit d\u00e1rek v Argosu.<\/p>\n<p>V mobilu m\u00e1 apku pen\u011b\u017eenky s chytr\u00fdmi pen\u011bzi, ze kter\u00e9 zaplat\u00ed 50 liber. Apka komunikuje p\u0159\u00edmo s Bank of England a pen\u00edze jsou ihned p\u0159evedeny Argosu. K p\u0159evodu dojde v okam\u017eiku n\u00e1kupu a platba je zaznamen\u00e1na a schv\u00e1lena centralizovan\u00fdm syst\u00e9mem v centralizovan\u00e9m blockchainu. Blockchain je program, kter\u00fd zaznamen\u00e1v\u00e1 informace spolehliv\u011b a nelze je zm\u011bnit.<\/p>\n<p>Centralizovan\u00fd syst\u00e9m pracuje nep\u0159etr\u017eit\u011b a zpracuje stovky plateb za sekundu, jak prob\u00edhaj\u00ed v cel\u00e9 ekonomice a zpracuje n\u00e1kupy z milion\u016f digit\u00e1ln\u00edch pen\u011b\u017eenek. Zn\u00ed to skv\u011ble a je to rychlej\u0161\u00ed a jednodu\u0161\u0161\u00ed ne\u017e star\u00fd syst\u00e9m. Rozd\u00edl je v\u0161ak v tom, \u017ee platby prob\u00edhaj\u00ed na jednom m\u00edst\u011b v re\u00e1ln\u00e9m \u010dase. Tak\u017ee jeden syst\u00e9m v\u00ed o ka\u017ed\u00e9 digit\u00e1ln\u00ed platb\u011b v okam\u017eiku, kdy k n\u00ed dojde. Tento z\u00e1sadn\u00ed rozd\u00edl digit\u00e1ln\u00edho pen\u011b\u017en\u00edho syst\u00e9mu si mus\u00edme uv\u011bdomit.<\/p>\n<p>V\u0161echny platby jsou pr\u016fb\u011b\u017en\u011b centralizov\u00e1ny v re\u00e1ln\u00e9m \u010dase. Tv\u016frci nov\u00e9ho syst\u00e9mu dali jasn\u011b najevo, \u017ee cht\u011bj\u00ed pou\u017e\u00edvat um\u011blou inteligenci k blokov\u00e1n\u00ed ur\u010dit\u00fdch plateb z r\u016fzn\u00fdch d\u016fvod\u016f. Co to pro Johna znamen\u00e1? Pokud bude cht\u00edt vl\u00e1da na\u0159\u00eddit dal\u0161\u00ed lockdown, d\u00edky nov\u00e9mu syst\u00e9mu jim sta\u010d\u00ed jednoduch\u00e1 zm\u011bna. Johnova pen\u011b\u017eenka te\u010f bude fungovat jen v ur\u010dit\u00e9 vzd\u00e1lenosti od jeho domu. Argos je od jeho domu dv\u011b m\u00edle a on p\u016fjde dce\u0159i koupit d\u00e1rek.<\/p>\n<p>Pokus\u00ed se zaplatit apkou 50 liber, ale ta komunikuje p\u0159\u00edmo s Bank of England. A syst\u00e9m jeho platbu zam\u00edtne, proto\u017ee v\u00ed, \u017ee je John dv\u011b m\u00edle od sv\u00e9ho domova a jeho pen\u011b\u017eenka byla omezena na okruh jedn\u00e9 m\u00edle. John nem\u016f\u017ee nakupovat d\u00e1l od domu, jeho pen\u00edze jsou jinde nepou\u017eiteln\u00e9. Pro\u010d John nezaplat\u00ed hotov\u011b? To by \u0161lo, dokud hotovost existuje. Jak by tedy mohl b\u00fdt tento nov\u00fd syst\u00e9m zaveden?<\/p>\n<p><b>M\u00e9dia<\/b>: Premi\u00e9r svolal mimo\u0159\u00e1dn\u00e9 zased\u00e1n\u00ed, aby projednal prudk\u00fd propad britsk\u00e9 a sv\u011btov\u00e9 ekonomiky. Inflace se vymkla kontrole a vysok\u00e9 \u00farokov\u00e9 sazby zp\u016fsobuj\u00ed tis\u00edce exekuc\u00ed dom\u016f. V\u00fdb\u011bry z bankomat\u016f a na p\u0159ep\u00e1\u017ek\u00e1ch jsou zastaveny. Milion\u016fm lid\u00ed hroz\u00ed ztr\u00e1ta \u017eivotn\u00edch \u00faspor, \u0159ada bank vyhl\u00e1sila nesolventnost.<\/p>\n<p>Vl\u00e1da a Bank of England urychluj\u00ed zaveden\u00ed nov\u00e9 digit\u00e1ln\u00ed m\u011bny, kterou mohou v\u0161ichni klienti bank sm\u011bnit za sv\u00e9 st\u00e1vaj\u00edc\u00ed pen\u00edze, kter\u00e9 jsou nyn\u00ed v mnoha p\u0159\u00edpadech z jejich bankovn\u00edch \u00fa\u010dt\u016f nedobytn\u00e9. Vl\u00e1da tvrd\u00ed, \u017ee nov\u00e9 digit\u00e1ln\u00ed pen\u00edze pomohou ekonomice zotavit se z propadu a zachr\u00e1n\u00ed pen\u00edze z milion\u016f \u00fa\u010dt\u016f bank, kter\u00e9 jsou na pokraji bankrotu.<\/p>\n<p><b>John<\/b>: P\u00ed\u0161e to, \u017ee pen\u00edze z \u00fa\u010dtu jsou nedostupn\u00e9. Zmrazili n\u00e1m pen\u00edze.<\/p>\n<p><b>Man\u017eelka Johna<\/b>: Herdek, Johne, kolik m\u00e1me doma?<\/p>\n<p><b>John<\/b>: Jen posledn\u00edch 120 babek.<\/p>\n<p><b>Man\u017eelka Johna<\/b>: Nem\u016f\u017eu uv\u011b\u0159it, \u017ee n\u00e1m banka zmrazila prachy. M\u00e1me na tom \u00fa\u010dtu 25,000 liber, ale nem\u016f\u017eeme k nim.<\/p>\n<p><b>M\u00e9dia<\/b>: St\u00e1hn\u011bte si Central Bank CBDC pen\u011b\u017eenku a z\u00edskejte bonusov\u00e9 digit\u00e1ln\u00ed libry zdarma. Pokud si nyn\u00ed sm\u011bn\u00edte pen\u00edze z banky na digit\u00e1ln\u00ed m\u011bnu, na ka\u017ed\u00fd \u00fa\u010det z\u00edsk\u00e1te digit\u00e1ln\u00ed libry zdarma. Z digit\u00e1ln\u00ed pen\u011b\u017eenky m\u016f\u017eete utr\u00e1cet pomoc\u00ed aplikace v mobilu jako u karty. Bezplatnou aplikaci si st\u00e1hn\u011bte z webov\u00fdch str\u00e1nek britsk\u00e9 vl\u00e1dy nebo z App Storu.<\/p>\n<p><b>Man\u017eelka Johna<\/b>: Johne, mus\u00ed\u0161 si st\u00e1hnout tu digit\u00e1ln\u00ed \u0161rajtofli, jestli to p\u016fjde sm\u011bnit.<\/p>\n<p><b>John<\/b>: Jinak to nejde, brouku. F\u00edha, p\u0159evedlo se to a dalo n\u00e1m to n\u011bjak\u00fd pra\u0161ule nav\u00edc, ty vole.<\/p>\n<p><b>Man\u017eelka Johna<\/b>: Jak v\u00ed\u0161, \u017ee to fach\u00e1?<\/p>\n<p><b>John<\/b>: Fach\u00e1 to, brouku. V\u0161ichni to te\u010f d\u011blaj. Jdu to prubnout do Tesca. Fajn\u00e9 (funguje to)<\/p>\n<p><b>M\u00e9dia<\/b>: Z \u00fadaj\u016f vypl\u00fdv\u00e1, \u017ee za posledn\u00ed rok se pou\u017e\u00edv\u00e1n\u00ed hotovosti sn\u00ed\u017eilo na polovinu. Podle odborn\u00edk\u016f je to d\u00edky \u00fasp\u011bchu a pohodl\u00ed nov\u00fdch digit\u00e1ln\u00edch pen\u011bz CBDC. Vl\u00e1da ozn\u00e1mila, \u017ee b\u011bhem p\u0159\u00ed\u0161t\u00edch t\u0159\u00ed let bude ve\u0161ker\u00e1 hotovost zcela vy\u0159azena.<\/p>\n<p><b>John<\/b>: Placen\u00ed pap\u00edrovejma mi nechyb\u00ed. Komu by se cht\u011blo lovit po kaps\u00e1ch checht\u00e1ky? Te\u010f je to pohodi\u010dka.<\/p>\n<h2>O T\u0158I ROKY POZD\u011aJI<\/h2>\n<p><b>Man\u017eelka Johna<\/b>: Kde je ovlada\u010d, brouku?<\/p>\n<p><b>John<\/b>: Hele, co jsem na\u0161el. Vzpom\u00edn\u00e1\u0161 na n\u011b? (20 librov\u00e1 bankovka)<\/p>\n<p><b>Man\u017eelka Johna<\/b>: Co s n\u00ed?<\/p>\n<p><b>John<\/b>: Nem\u00e1m tucha.<\/p>\n<p><b>Man\u017eelka Johna<\/b>: Pro\u010d ji ned\u00e1\u0161 zar\u00e1movat?<\/p>\n<h2>Sc\u00e9n\u00e1\u0159 1<\/h2>\n<p><b>M\u00e9dia<\/b>: \u00dadaje z v\u00fdro\u010dn\u00ed konference o zm\u011bn\u00e1ch klimatu uk\u00e1zaly, \u017ee pouze drastick\u00e9 sn\u00ed\u017een\u00ed spot\u0159eby fosiln\u00edch paliv n\u00e1s ochr\u00e1n\u00ed p\u0159ed zm\u011bnami klimatu. Vl\u00e1da ozn\u00e1mila omezen\u00ed spot\u0159eby benzinu a nafty pro v\u0161echny osoby v Brit\u00e1nii. Bude vym\u00e1h\u00e1no pomoc\u00ed chytr\u00fdch pen\u011bz. Z ka\u017ed\u00e9 pen\u011b\u017eenky m\u016f\u017eete nakoupit 15 litr\u016f za t\u00fdden, dal\u0161\u00ed n\u00e1kup bude znemo\u017en\u011bn.<\/p>\n<p><b>John<\/b>: Ale hovno.<\/p>\n<h2>Sc\u00e9n\u00e1\u0159 2<\/h2>\n<p><b>M\u00e9dia<\/b>: Obavy z obezity a \u0161patn\u00e9ho zdravotn\u00edho stavu budou \u0159e\u0161eny pomoc\u00ed s\u00edt\u011b chytr\u00fdch pen\u011bz. Vl\u00e1da omez\u00ed po\u010det sladk\u00fdch potravin, kter\u00e9 m\u016f\u017eete m\u011bs\u00ed\u010dn\u011b nakoupit.<\/p>\n<p><b>John<\/b>: Co\u017ee?<\/p>\n<h2>Sc\u00e9n\u00e1\u0159 3<\/h2>\n<p><b>M\u00e9dia<\/b>: Podle odborn\u00edk\u016f je nov\u00e1 pandemie desetkr\u00e1t naka\u017eliv\u011bj\u0161\u00ed a smrteln\u011bj\u0161\u00ed ne\u017e koronavirus. A lze ji porazit jedin\u011b omezen\u00edm kontaktu s lidmi a pobytem doma. Digit\u00e1ln\u00ed pen\u011b\u017eenky budou proto fungovat jen jednu m\u00edli od trval\u00e9ho bydli\u0161t\u011b. N\u00e1kupn\u00ed \u010dasy budou rozlo\u017eeny, abyste nakoupili v rozmez\u00ed dvou hodin. N\u00e1kup bude omezen na nezbytn\u00e9 zbo\u017e\u00ed.<\/p>\n<p><b>John<\/b>: Prokristap\u00e1na.<\/p>\n<h2>Sc\u00e9n\u00e1\u0159 4<\/h2>\n<p><b>M\u00e9dia<\/b>: Vl\u00e1da chce v r\u00e1mci stimulace r\u016fstu ekonomiky zajistit, aby byly vyplacen\u00e9 d\u00e1vky vy\u010derp\u00e1ny v odpov\u00eddaj\u00edc\u00edm \u010dasov\u00e9m obdob\u00ed. Od 1. srpna mus\u00ed b\u00fdt v\u0161echny d\u00e1vky, v\u010detn\u011b nov\u00fdch soci\u00e1ln\u00edch kredit\u016f, utraceny do dvou m\u011bs\u00edc\u016f. Po dvou m\u011bs\u00edc\u00edch budou neutracen\u00e9 pen\u00edze z d\u00e1vek znehodnoceny.<\/p>\n<p><b>John<\/b>: Ty vago, dali na pen\u00edze dobu trvanlivosti.<\/p>\n<h2>Sc\u00e9n\u00e1\u0159 5<\/h2>\n<p><b>M\u00e9dia<\/b>: Proo\u010dkovanost proti pandemii je na 95 %. Neo\u010dkovan\u00ed budou m\u00edt na pen\u011b\u017eenky uvaleno omezen\u00ed. T\u011bchto 5 % bude m\u00edt v\u00fddaje \u010dasov\u011b omezen\u00e9 a v okruhu jedn\u00e9 m\u00edle od domova. N\u00e1kupy alkoholu, j\u00edzdenek a j\u00eddel v restaurac\u00edch nebudou neo\u010dkovan\u00fdm dostupn\u00e9. A jejich digit\u00e1ln\u00ed pen\u011b\u017eenky nebudou fungovat mimo Spojen\u00e9 kr\u00e1lovstv\u00ed.<\/p>\n<p><b>John<\/b>: No teda.<\/p>\n<h2>Sc\u00e9n\u00e1\u0159 6<\/h2>\n<p><b>M\u00e9dia<\/b>: Rostou obavy z lid\u00ed, kte\u0159\u00ed si p\u011bstuj\u00ed vlastn\u00ed potraviny mimo vl\u00e1dou schv\u00e1len\u00e9 spole\u010dnosti. Vl\u00e1da omez\u00ed n\u00e1kup osiva a zem\u011bd\u011blsk\u00fdch produkt\u016f pro neregistrovan\u00e9 zem\u011bd\u011blce.<\/p>\n<p><b>John<\/b>: Co to zkou\u0161ej?<\/p>\n<h2>Sc\u00e9n\u00e1\u0159 7<\/h2>\n<p><b>M\u00e9dia<\/b>: Vl\u00e1da chce sn\u00ed\u017eit konzumaci \u010derven\u00e9ho masa z ekologick\u00fdch a zdravotn\u00edch d\u016fvod\u016f. Digit\u00e1ln\u00ed pen\u011b\u017eenky budou moci nakoupit pouze osm unc\u00ed \u010derven\u00e9ho masa t\u00fddn\u011b.<\/p>\n<p><b>John<\/b>: Kolik to je?<\/p>\n<h2>Sc\u00e9n\u00e1\u0159 8<\/h2>\n<p><b>M\u00e9dia<\/b>: V z\u00e1jmu ochrany \u017eivotn\u00edho prost\u0159ed\u00ed vl\u00e1da zav\u00e1d\u00ed omezen\u00ed na n\u00e1kup n\u00e1sleduj\u00edc\u00edho zbo\u017e\u00ed: sprej\u016f, jednor\u00e1zov\u00fdch plast\u016f, uhl\u00ed, masa, \u010dokol\u00e1dy, ryb a k\u00e1vy.<\/p>\n<p><b>John<\/b>: A co cig\u00e1ra?<\/p>\n<h2>Sc\u00e9n\u00e1\u0159 9<\/h2>\n<p><b>M\u00e9dia<\/b>: V r\u00e1mci podpory dobr\u00e9ho chov\u00e1n\u00ed vl\u00e1da p\u0159isp\u011bje do va\u0161\u00ed pen\u011b\u017eenky, pokud nahl\u00e1s\u00edte poru\u0161ov\u00e1n\u00ed lockdownu nebo osoby s extremistick\u00fdmi n\u00e1zory. T\u011bmto extremist\u016fm bude uvaleno omezen\u00ed na jejich pen\u011b\u017eenku.<\/p>\n<p><b>John<\/b>: Co jsou extremistick\u00e9 n\u00e1zory?<\/p>\n<p><b>Vyprav\u011b\u010d<\/b>: Pokud se vzd\u00e1te sv\u00e9 hotovosti, vzd\u00e1te se svobody pro sebe a pro dal\u0161\u00ed generace. Nejde o pohodl\u00ed nov\u00fdch pen\u011bz. D\u016fle\u017eit\u00e1 je skute\u010dnost, \u017ee centralizovan\u00e1 spr\u00e1va chytr\u00fdch pen\u011bz m\u016f\u017ee b\u00fdt pou\u017eita k ovl\u00e1d\u00e1n\u00ed v\u0161ech aspekt\u016f va\u0161eho \u017eivota. Podporujte hotovost a odm\u00edtejte centr\u00e1ln\u011b \u0159\u00edzen\u00e9 chytr\u00e9 pen\u00edze. Nenab\u00edzej\u00ed v\u00e1m pen\u00edze ale syst\u00e9m soci\u00e1ln\u00ed kontroly. \u0160i\u0159te pros\u00edm tuto zpr\u00e1vu d\u00e1l.<\/p>\n<div class=\"podcarou\">\n<p>\u010cl\u00e1nek vy\u0161el 17.10.2022 na\u00a0<a href=\"https:\/\/otevrisvoumysl.cz\/\" target=\"_blank\" rel=\"external noopener\">Otev\u0159i svou mysl<\/a>. P\u0159eklad: David Form\u00e1nek<\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>CBDC &#8211; digit\u00e1ln\u00ed m\u011bna centr\u00e1ln\u00ed banky. Je nezbytn\u00e9, aby ka\u017ed\u00fd \u010dlov\u011bk pochopil, co navrhovan\u00e9 zm\u011bny&#8230;<\/p>\n","protected":false},"author":2,"featured_media":10490,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[1042,503,3677,916,889],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/17434"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=17434"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/17434\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/10490"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=17434"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=17434"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=17434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}