{"id":18788,"date":"2022-11-26T01:05:57","date_gmt":"2022-11-26T00:05:57","guid":{"rendered":"http:\/\/www.infokuryr.cz\/n\/?p=18788"},"modified":"2022-11-25T16:42:54","modified_gmt":"2022-11-25T15:42:54","slug":"co-je-digitalni-mena-centralni-banky-cbdc","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2022\/11\/26\/co-je-digitalni-mena-centralni-banky-cbdc\/","title":{"rendered":"Co je digit\u00e1ln\u00ed m\u011bna centr\u00e1ln\u00ed banky (CBDC)?"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<div class=\"elementor-element elementor-element-1fb4c2c elementor-widget elementor-widget-theme-post-content\" data-id=\"1fb4c2c\" data-element_type=\"widget\" data-widget_type=\"theme-post-content.default\">\n<div class=\"elementor-widget-container\">\n<p>Digit\u00e1ln\u00ed m\u011bny centr\u00e1ln\u00ed banky jsou digit\u00e1ln\u00ed tokeny, podobn\u00e9 kryptom\u011bn\u011b, vyd\u00e1van\u00e9 centr\u00e1ln\u00ed bankou.\u00a0Jsou spojeny s hodnotou fiat m\u011bny zem\u011b.<\/p>\n<p>Mnoho zem\u00ed je v procesu v\u00fdvoje CBDC a n\u011bkter\u00e9 je dokonce p\u0159ijaly.\u00a0Vzhledem k tomu, \u017ee tolik zem\u00ed hled\u00e1 zp\u016fsoby, jak p\u0159ej\u00edt na digit\u00e1ln\u00ed m\u011bny, je d\u016fle\u017eit\u00e9 porozum\u011bt tomu, co jsou a co pro spole\u010dnost znamenaj\u00ed.<\/p>\n<p><span style=\"font-size: 18pt;\"><strong>KL\u00cd\u010cOV\u00c9 PRVKY<\/strong><\/span><\/p>\n<ul>\n<li>Digit\u00e1ln\u00ed m\u011bna centr\u00e1ln\u00ed banky je digit\u00e1ln\u00ed forma fiat m\u011bny dan\u00e9 zem\u011b.<\/li>\n<\/ul>\n<ul>\n<li>CBDC je vyd\u00e1v\u00e1n a regulov\u00e1n m\u011bnov\u00fdm \u00fa\u0159adem zem\u011b nebo centr\u00e1ln\u00ed bankou.<\/li>\n<li>CBDC podporuj\u00ed finan\u010dn\u00ed za\u010dlen\u011bn\u00ed a zjednodu\u0161uj\u00ed prov\u00e1d\u011bn\u00ed m\u011bnov\u00fdch a fisk\u00e1ln\u00edch politik.<\/li>\n<li>Proto\u017ee se jedn\u00e1 o centralizovanou m\u011bnu, nemohou anonymizovat transakce jako n\u011bkter\u00e9 kryptom\u011bny.<\/li>\n<\/ul>\n<ul>\n<li>Mnoho zem\u00ed studuje, jak CBDC ovlivn\u00ed jejich ekonomiky, st\u00e1vaj\u00edc\u00ed finan\u010dn\u00ed s\u00edt\u011b a stabilitu.<\/li>\n<\/ul>\n<h4><span style=\"font-size: 18pt;\">Pochopen\u00ed digit\u00e1ln\u00edch m\u011bn centr\u00e1ln\u00ed banky (CBDC).<\/span><\/h4>\n<p>Fiat pen\u00edze jsou vl\u00e1dou vyd\u00e1van\u00e9 m\u011bny, kter\u00e9 nejsou kryty fyzick\u00fdm aktivem, jako je zlato nebo st\u0159\u00edbro.\u00a0Je pova\u017eov\u00e1n za typ z\u00e1konn\u00e9ho platidla, kter\u00e9 lze pou\u017e\u00edt k v\u00fdm\u011bn\u011b zbo\u017e\u00ed a slu\u017eeb.\u00a0Tradi\u010dn\u011b byly fiat pen\u00edze vyd\u00e1v\u00e1ny ve form\u011b bankovek a minc\u00ed, ale technologie umo\u017enila vl\u00e1d\u00e1m a finan\u010dn\u00edm instituc\u00edm doplnit fyzick\u00e9 fiat pen\u00edze modelem zalo\u017een\u00fdm na \u00fav\u011brech, kde jsou z\u016fstatky a transakce digit\u00e1ln\u011b zaznamen\u00e1v\u00e1ny.<\/p>\n<p>Fyzick\u00e9 pen\u00edze jsou st\u00e1le \u0161iroce vym\u011b\u0148ov\u00e1ny a p\u0159ij\u00edm\u00e1ny.\u00a0Jeho pou\u017e\u00edv\u00e1n\u00ed v\u0161ak v n\u011bkter\u00fdch vysp\u011bl\u00fdch zem\u00edch v\u00fdrazn\u011b pokleslo a tento trend se b\u011bhem pandemie COVID-19 zrychlil.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-1\">1<\/a><\/p>\n<p>Zaveden\u00ed a rozvoj kryptom\u011bn a technologie blockchain d\u00e1le zv\u00fd\u0161ily z\u00e1jem o bezhotovostn\u00ed spole\u010dnosti a digit\u00e1ln\u00ed m\u011bny.\u00a0Vl\u00e1dy a centr\u00e1ln\u00ed banky po cel\u00e9m sv\u011bt\u011b zkoumaj\u00ed mo\u017enost pou\u017eit\u00ed st\u00e1tem zabezpe\u010den\u00fdch digit\u00e1ln\u00edch m\u011bn.\u00a0Po spu\u0161t\u011bn\u00ed maj\u00ed tyto m\u011bny plnou d\u016fv\u011bru a podporu vl\u00e1dy, kter\u00e1 je vydala, stejn\u011b jako nekryt\u00e9 pen\u00edze.<\/p>\n<h4><span style=\"font-size: 18pt;\">C\u00edle digit\u00e1ln\u00edch m\u011bn centr\u00e1ln\u00ed banky<\/span><\/h4>\n<p>V USA a mnoha dal\u0161\u00edch zem\u00edch mnoho lid\u00ed nem\u00e1 p\u0159\u00edstup k finan\u010dn\u00edm slu\u017eb\u00e1m.\u00a0Jen v USA je 5 % dosp\u011bl\u00fdch bez bankovn\u00edho \u00fa\u010dtu.\u00a0Dal\u0161\u00edch 13 % dosp\u011bl\u00fdch v USA m\u00e1 bankovn\u00ed \u00fa\u010det, ale vyu\u017e\u00edv\u00e1 drah\u00e9 alternativn\u00ed slu\u017eby, jako jsou pen\u011b\u017en\u00ed pouk\u00e1zky, p\u016fj\u010dky p\u0159ed v\u00fdplatou a slu\u017eby propl\u00e1cen\u00ed \u0161ek\u016f.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-2\">2<\/a><\/p>\n<p>Hlavn\u00edm c\u00edlem CBDC je poskytovat soukrom\u00ed, p\u0159enositelnost, pohodl\u00ed, dostupnost a finan\u010dn\u00ed zabezpe\u010den\u00ed pro podniky a spot\u0159ebitele.\u00a0CBDC by tak\u00e9 mohly sn\u00ed\u017eit z\u00e1t\u011b\u017e souvisej\u00edc\u00ed s \u00fadr\u017ebou slo\u017eit\u00e9ho finan\u010dn\u00edho syst\u00e9mu, sn\u00ed\u017eit n\u00e1klady na p\u0159eshrani\u010dn\u00ed transakce a nab\u00eddnout levn\u011bj\u0161\u00ed mo\u017enosti t\u011bm, kte\u0159\u00ed v sou\u010dasnosti pou\u017e\u00edvaj\u00ed alternativn\u00ed metody p\u0159evodu pen\u011bz.<\/p>\n<pre class=\"wp-block-code\"><code><strong>Wichtig:<\/strong> Ein CBDC gibt der Zentralbank eines Landes auch die M\u00f6glichkeit, geldpolitische Ma\u00dfnahmen durchzuf\u00fchren, um f\u00fcr Stabilit\u00e4t zu sorgen, das Wachstum zu kontrollieren und die Inflation zu beeinflussen.<\/code><\/pre>\n<p>Digit\u00e1ln\u00ed m\u011bny centr\u00e1ln\u00edch bank by tak\u00e9 sn\u00ed\u017eily rizika pou\u017e\u00edv\u00e1n\u00ed digit\u00e1ln\u00edch m\u011bn v jejich sou\u010dasn\u00e9 podob\u011b.\u00a0Kryptom\u011bny jsou velmi volatiln\u00ed a jejich hodnota neust\u00e1le kol\u00eds\u00e1.\u00a0Tato volatilita by mohla zp\u016fsobit v\u00e1\u017en\u00fd finan\u010dn\u00ed stres mnoha dom\u00e1cnost\u00ed a ovlivnit celkovou stabilitu ekonomiky.\u00a0S podporou vl\u00e1dy a kontrolovan\u00e9 centr\u00e1ln\u00ed bankou by CBDC poskytovaly dom\u00e1cnostem, spot\u0159ebitel\u016fm a podnik\u016fm stabiln\u00ed prost\u0159edky pro sm\u011bnu digit\u00e1ln\u00edch m\u011bn.<\/p>\n<h3><span style=\"font-size: 18pt;\">Typy CBDC<\/span><\/h3>\n<p>Existuj\u00ed dva typy CBDC: velkoobchodn\u00ed a maloobchodn\u00ed.\u00a0Velkoobchodn\u00ed CBDC vyu\u017e\u00edvaj\u00ed p\u0159edev\u0161\u00edm finan\u010dn\u00ed instituce.\u00a0Maloobchodn\u00ed CBDC pou\u017e\u00edvaj\u00ed spot\u0159ebitel\u00e9 a podniky podobn\u011b jako fyzick\u00e9 formy hotovosti.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-3\">3<\/a><\/p>\n<h4><span style=\"font-size: 18pt;\">Velkoobchodn\u00ed CBDC<\/span><\/h4>\n<p>Velkoobchodn\u00ed CBDC jsou podobn\u00e9 dr\u017een\u00ed rezerv v centr\u00e1ln\u00ed bance.\u00a0Centr\u00e1ln\u00ed banka poskytuje instituci \u00fa\u010det, na kter\u00fd m\u016f\u017ee ukl\u00e1dat finan\u010dn\u00ed prost\u0159edky nebo zpracov\u00e1vat mezibankovn\u00ed p\u0159evody.\u00a0Centr\u00e1ln\u00ed banky pak mohou vyu\u017e\u00edvat n\u00e1stroje m\u011bnov\u00e9 politiky, jako jsou povinn\u00e9 minim\u00e1ln\u00ed rezervy nebo \u00faroky z dr\u017een\u00fdch rezerv, k ovlivn\u011bn\u00ed poskytov\u00e1n\u00ed \u00fav\u011br\u016f a stanoven\u00ed \u00farokov\u00fdch sazeb.<\/p>\n<h4><span style=\"font-size: 18pt;\">Maloobchodn\u00ed CBDC<\/span><\/h4>\n<p>Maloobchodn\u00ed CBDC jsou vl\u00e1dou podporovan\u00e9 digit\u00e1ln\u00ed m\u011bny pou\u017e\u00edvan\u00e9 spot\u0159ebiteli a podniky.\u00a0Maloobchodn\u00ed CBDC eliminuj\u00ed zprost\u0159edkovatelsk\u00e9 riziko \u2013 riziko, \u017ee soukrom\u00ed emitenti digit\u00e1ln\u00edch m\u011bn zkrachuj\u00ed a p\u0159ijdou o bohatstv\u00ed sv\u00fdch z\u00e1kazn\u00edk\u016f.<\/p>\n<p>Existuj\u00ed dva typy maloobchodn\u00edch CBDC.\u00a0Li\u0161\u00ed se t\u00edm, jak ka\u017ed\u00fd u\u017eivatel p\u0159istupuje ke sv\u00e9 m\u011bn\u011b a jak ji pou\u017e\u00edv\u00e1:<\/p>\n<ul>\n<li>Maloobchodn\u00ed CBDC zalo\u017een\u00e9 na tokenech jsou p\u0159\u00edstupn\u00e9 prost\u0159ednictv\u00edm soukrom\u00fdch\/ve\u0159ejn\u00fdch kl\u00ed\u010d\u016f.\u00a0Tato metoda ov\u011b\u0159ov\u00e1n\u00ed umo\u017e\u0148uje u\u017eivatel\u016fm prov\u00e1d\u011bt transakce anonymn\u011b.<\/li>\n<li>Maloobchodn\u00ed CBDC zalo\u017een\u00e9 na \u00fa\u010dtu vy\u017eaduj\u00ed pro p\u0159\u00edstup k \u00fa\u010dtu digit\u00e1ln\u00ed identifikaci.<\/li>\n<\/ul>\n<pre class=\"wp-block-code\"><code>Wichtig: Die beiden Arten von CBDCs, Gro\u00dfhandel und Einzelhandel, schlie\u00dfen sich nicht gegenseitig aus. Es ist m\u00f6glich, beide zu entwickeln und sie in der gleichen Wirtschaft zu betreiben.<\/code><\/pre>\n<h4><span style=\"font-size: 18pt;\">T\u00e9mata, kter\u00e1 \u0159e\u0161\u00ed a vytv\u00e1\u0159ej\u00ed CBDC<\/span><\/h4>\n<p>Feder\u00e1ln\u00ed rezervn\u00ed syst\u00e9m zve\u0159ejnil zpr\u00e1vu o tom, co pova\u017euje za kritick\u00e9 body, kter\u00e9 mus\u00ed CBDC splnit, a probl\u00e9my, kter\u00e9 je t\u0159eba vy\u0159e\u0161it, ne\u017e bude mo\u017en\u00e9 CBDC \u00fasp\u011b\u0161n\u011b navrhnout a implementovat.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-4\">4<\/a><\/p>\n<h4><span style=\"font-size: 18pt;\">Probl\u00e9my \u0159e\u0161en\u00e9 CBDC<\/span><\/h4>\n<ul>\n<li>Bez \u00fav\u011brov\u00e9ho a likviditn\u00edho rizika<\/li>\n<li>Zlep\u0161en\u00ed p\u0159eshrani\u010dn\u00edch plateb<\/li>\n<li>Podporuje mezin\u00e1rodn\u00ed roli dolaru<\/li>\n<li>Finan\u010dn\u00ed inkluze<\/li>\n<li>Roz\u0161i\u0159uje p\u0159\u00edstup \u0161irok\u00e9 ve\u0159ejnosti<\/li>\n<\/ul>\n<h4><span style=\"font-size: 18pt;\">Probl\u00e9my, kter\u00e9 je t\u0159eba \u0159e\u0161it<\/span><\/h4>\n<ul>\n<li>zm\u011bny ve finan\u010dn\u00ed struktu\u0159e<\/li>\n<li>stabilitu finan\u010dn\u00edho syst\u00e9mu<\/li>\n<li>vliv m\u011bnov\u00e9 politiky<\/li>\n<li>soukrom\u00ed a ochrany<\/li>\n<li>kybernetick\u00e1 bezpe\u010dnost<\/li>\n<\/ul>\n<h4><span style=\"font-size: 18pt;\">Jsou vysv\u011btleny probl\u00e9my adres CBDC<\/span><\/h4>\n<ul>\n<li>CBDC eliminuje riziko ud\u00e1lost\u00ed, jako je selh\u00e1n\u00ed bank nebo \u00fatok na t\u0159et\u00ed strany.\u00a0Jak\u00e9koli zbytkov\u00e9 riziko zb\u00fdvaj\u00edc\u00ed v syst\u00e9mu spo\u010d\u00edv\u00e1 na centr\u00e1ln\u00ed bance.<\/li>\n<li>Vysok\u00e9 n\u00e1klady na p\u0159eshrani\u010dn\u00ed transakce lze sn\u00ed\u017eit omezen\u00edm slo\u017eit\u00fdch distribu\u010dn\u00edch syst\u00e9m\u016f a zv\u00fd\u0161en\u00edm pr\u00e1vn\u00ed spolupr\u00e1ce mezi vl\u00e1dami.<\/li>\n<li>Dolar je st\u00e1le nejpou\u017e\u00edvan\u011bj\u0161\u00ed m\u011bnou na sv\u011bt\u011b.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-5\">5<\/a><\/li>\n<li>Americk\u00e9 CBDC by mohlo podpo\u0159it a udr\u017eet si sv\u00e9 dominantn\u00ed postaven\u00ed.<\/li>\n<li>Odpadaj\u00ed n\u00e1klady na zaveden\u00ed finan\u010dn\u00ed struktury v r\u00e1mci zem\u011b, kter\u00e1 by obyvatelstvu bez bankovn\u00edho \u00fa\u010dtu poskytla p\u0159\u00edstup k finan\u010dn\u00edm slu\u017eb\u00e1m.<\/li>\n<li>CBDC mohou poskytovat p\u0159\u00edm\u00e9 spojen\u00ed mezi spot\u0159ebiteli a centr\u00e1ln\u00edmi bankami, co\u017e eliminuje pot\u0159ebu drah\u00e9 infrastruktury.<\/li>\n<\/ul>\n<h4><span style=\"font-size: 18pt;\">Jsou vysv\u011btleny probl\u00e9my, kter\u00e9 CBDC zp\u016fsobuje<\/span><\/h4>\n<ul>\n<li>Finan\u010dn\u00ed struktura USA by se mohla drasticky zm\u011bnit.\u00a0Jak by zm\u011bna ovlivnila v\u00fddaje dom\u00e1cnost\u00ed, investice, bankovn\u00ed rezervy, \u00farokov\u00e9 sazby, sektor finan\u010dn\u00edch slu\u017eeb nebo ekonomiku, nen\u00ed zn\u00e1mo.<\/li>\n<li>Dopad, kter\u00fd by m\u011bl p\u0159echod na CBDC na stabilitu finan\u010dn\u00edho syst\u00e9mu, nen\u00ed zn\u00e1m.\u00a0Nap\u0159\u00edklad nemus\u00ed b\u00fdt dostatek likvidity centr\u00e1ln\u00ed banky k usnadn\u011bn\u00ed v\u00fdb\u011br\u016f b\u011bhem finan\u010dn\u00ed krize.<\/li>\n<li>Centr\u00e1ln\u00ed banky prov\u00e1d\u011bj\u00ed m\u011bnovou politiku s c\u00edlem ovlivnit inflaci, \u00farokov\u00e9 sazby, p\u016fj\u010dky a v\u00fddaje, co\u017e n\u00e1sledn\u011b ovliv\u0148uje m\u00edru zam\u011bstnanosti.\u00a0Centr\u00e1ln\u00ed banky se mus\u00ed ujistit, \u017ee maj\u00ed pot\u0159ebn\u00e9 n\u00e1stroje pro pozitivn\u00ed dopad na ekonomiku.<\/li>\n<li>Soukrom\u00ed je jedn\u00edm z kl\u00ed\u010dov\u00fdch hnac\u00edch motor\u016f kryptom\u011bn.\u00a0CBDC by vy\u017eadovaly p\u0159im\u011b\u0159enou \u00farove\u0148 regula\u010dn\u00edho z\u00e1sahu pro sledov\u00e1n\u00ed finan\u010dn\u00ed kriminality.\u00a0Monitorov\u00e1n\u00ed je tak\u00e9 d\u016fle\u017eit\u00e9, proto\u017ee podporuje \u00fasil\u00ed v boji proti pran\u00ed \u0161pinav\u00fdch pen\u011bz a financov\u00e1n\u00ed terorismu.<\/li>\n<li>Jak bylo p\u0159i n\u011bkolika p\u0159\u00edle\u017eitostech pozorov\u00e1no, kryptom\u011bny se staly c\u00edlem hacker\u016f a zlod\u011bj\u016f.\u00a0Digit\u00e1ln\u00ed m\u011bna vydan\u00e1 centr\u00e1ln\u00ed bankou by pravd\u011bpodobn\u011b p\u0159il\u00e1kala stejn\u00e9 mno\u017estv\u00ed zlod\u011bj\u016f, tak\u017ee by bylo t\u0159eba vynalo\u017eit zna\u010dn\u00e9 \u00fasil\u00ed, aby se zabr\u00e1nilo pr\u016fniku do syst\u00e9mu a kr\u00e1de\u017ei majetku a informac\u00ed.<\/li>\n<\/ul>\n<h4><span style=\"font-size: 18pt;\">CBDC vs. kryptom\u011bny<\/span><\/h4>\n<p>Ekosyst\u00e9my kryptom\u011bn nab\u00edzej\u00ed pohled do alternativn\u00edho m\u011bnov\u00e9ho syst\u00e9mu, kde podm\u00ednky ka\u017ed\u00e9 transakce neur\u010duj\u00ed \u017e\u00e1dn\u00e9 t\u011b\u017ekop\u00e1dn\u00e9 p\u0159edpisy.\u00a0Je obt\u00ed\u017en\u00e9 je duplikovat nebo pad\u011blat a jsou zaji\u0161t\u011bny konsensu\u00e1ln\u00edmi mechanismy, kter\u00e9 zabra\u0148uj\u00ed neopr\u00e1vn\u011bn\u00e9 manipulaci.\u00a0Digit\u00e1ln\u00ed m\u011bny centr\u00e1ln\u00ed banky jsou navr\u017eeny tak, aby byly podobn\u00e9 kryptom\u011bn\u00e1m, ale nemus\u00ed vy\u017eadovat technologii blockchain nebo mechanismy konsenzu.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-6\">6<\/a><\/p>\n<p>Tak\u00e9 kryptom\u011bny jsou neregulovan\u00e9 a decentralizovan\u00e9.\u00a0Jejich hodnota je ur\u010dena sentimentem investor\u016f, pou\u017e\u00edv\u00e1n\u00edm a z\u00e1jmem u\u017eivatel\u016f.\u00a0Jsou to nest\u00e1l\u00e1 aktiva, kter\u00e1 se v\u00edce hod\u00ed ke spekulac\u00edm, co\u017e z nich \u010din\u00ed nepravd\u011bpodobn\u00e9 kandid\u00e1ty pro pou\u017eit\u00ed ve finan\u010dn\u00edm syst\u00e9mu, kter\u00fd vy\u017eaduje stabilitu.\u00a0CBDC odr\u00e1\u017eej\u00ed hodnotu fiat m\u011bny a jsou navr\u017eeny pro stabilitu a bezpe\u010dnost.<\/p>\n<h4><span style=\"font-size: 18pt;\">P\u0159ehled digit\u00e1ln\u00edch m\u011bn centr\u00e1ln\u00ed banky<\/span><\/h4>\n<p>Mnoho centr\u00e1ln\u00edch bank prov\u00e1d\u00ed pilotn\u00ed programy a v\u00fdzkumn\u00e9 projekty, aby zjistily proveditelnost a pou\u017eitelnost CBDC v jejich ekonomice.\u00a0K b\u0159eznu 2022 p\u0159ijalo CBDC dev\u011bt zem\u00ed a \u00fazem\u00ed.<\/p>\n<ul>\n<li>Bahamy<\/li>\n<li>Antigua a Barbuda<\/li>\n<li>Svat\u00fd Kry\u0161tof a Nevis<\/li>\n<li>monsersk\u00e1 rada<\/li>\n<li>Dominika<\/li>\n<li>Svat\u00e1 Lucie<\/li>\n<li>Svat\u00fd Vincenc a Grenadiny<\/li>\n<li>Granada<\/li>\n<li>Nig\u00e9rie<\/li>\n<\/ul>\n<p>V sou\u010dasn\u00e9 dob\u011b prob\u00edhaj\u00ed iniciativy a projekty CBDC v dal\u0161\u00edch 80 zem\u00edch.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-7\">7<\/a><\/p>\n<p><span style=\"font-size: 18pt;\"><strong>Tady jsou n\u011bkter\u00e9 z nich:<\/strong><\/span><\/p>\n<ul>\n<li>V \u00fanoru 2022 centr\u00e1ln\u00ed banka Indie ozn\u00e1mila, \u017ee do konce roku 2023 spust\u00ed digit\u00e1ln\u00ed rupii.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-8\">8<\/a><\/li>\n<li>Jamajka razila svou prvn\u00ed v\u00e1rku CBDC v srpnu 2021.\u00a0O\u010dek\u00e1v\u00e1 se, \u017ee Bank of Jamaica spust\u00ed sv\u016fj CBDC v roce 2022.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-9\">9<\/a><\/li>\n<li>\u0160v\u00e9dsk\u00e1 Riksbank za\u010dala vyv\u00edjet elektronickou verzi koruny (naz\u00fdvanou e-krona) pot\u00e9, co zem\u011b zaznamenala pokles v pou\u017e\u00edv\u00e1n\u00ed hotovosti.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-10\">10<\/a><\/li>\n<li>Spojen\u00e9 st\u00e1ty zkoumaj\u00ed CBDC, aby zlep\u0161ily dom\u00e1c\u00ed platebn\u00ed syst\u00e9m, zv\u00fd\u0161ily efektivitu a sn\u00ed\u017eily n\u00e1klady.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-11\">11<\/a><\/li>\n<li>A v b\u0159eznu 2022 prezident Biden na\u0159\u00eddil feder\u00e1ln\u00edm agentur\u00e1m, aby posoudily infrastrukturu, kter\u00e1 by byla nutn\u00e1 k vyd\u00e1n\u00ed americk\u00e9ho CBDC.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-12\">12<\/a><\/li>\n<li>Bank of England (BoE) st\u00e1le zkoum\u00e1 integraci CBDC do sv\u00e9ho finan\u010dn\u00edho syst\u00e9mu.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-13\">13<\/a><\/li>\n<li>Bank of Canada (BOC) pokra\u010duje ve vy\u0161et\u0159ov\u00e1n\u00ed zaveden\u00ed CDBC.\u00a0<a href=\"https:\/\/checkmatenews.substack.com\/p\/was-ist-eine-digitale-zentralbankwahrung#footnote-14\">14<\/a><\/li>\n<\/ul>\n<h3><span style=\"font-size: 18pt;\">Je CBDC kryptom\u011bna?<\/span><\/h3>\n<p>P\u0159esto\u017ee my\u0161lenka digit\u00e1ln\u00edch m\u011bn centr\u00e1ln\u00ed banky poch\u00e1z\u00ed z kryptom\u011bn a technologie blockchain, CBDC nejsou kryptom\u011bny.\u00a0CBDC jsou \u0159\u00edzeny centr\u00e1ln\u00ed bankou, zat\u00edmco kryptom\u011bny jsou t\u00e9m\u011b\u0159 v\u017edy decentralizovan\u00e9, co\u017e znamen\u00e1, \u017ee je nem\u016f\u017ee regulovat jedin\u00fd org\u00e1n.<\/p>\n<h4><span style=\"font-size: 18pt;\">Co je to americk\u00e9 CBDC?<\/span><\/h4>\n<p>Od b\u0159ezna 2022 ji\u017e v USA nebude \u017e\u00e1dn\u00e9 CBDC.\u00a0Feder\u00e1ln\u00ed rezervn\u00ed syst\u00e9m a jeho pobo\u010dky v\u0161ak zkoumaj\u00ed CBDC a zp\u016fsoby, jak je implementovat do finan\u010dn\u00edho syst\u00e9mu USA, a prezident Biden na\u0159\u00eddil vyvinout n\u00e1rodn\u00ed strategii digit\u00e1ln\u00ed m\u011bny.<\/p>\n<h4><span style=\"font-size: 18pt;\">Jsou CBDC zalo\u017eeny na blockchainu?<\/span><\/h4>\n<p>CBDC mohou b\u00fdt zalo\u017eeny na blockchainu, ale tak\u00e9 nemus\u00ed.\u00a0Feder\u00e1ln\u00ed rezervn\u00ed banka v Bostonu a iniciativa Digital Currency Initiative of Michigan Institute of Technology ve sv\u00e9m v\u00fdzkumu zjistily, \u017ee distribuovan\u00e9 \u00fa\u010detn\u00ed knihy by mohly br\u00e1nit efektivit\u011b a \u0161k\u00e1lovatelnosti CBDC.<\/p>\n<\/div>\n<\/div>\n<div class=\"elementor-element elementor-element-8c57238 quelle dc-has-condition dc-condition-empty elementor-widget elementor-widget-heading\" data-id=\"8c57238\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n<div class=\"elementor-widget-container\">\n<h3 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-size: 8pt;\"><a href=\"https:\/\/www.investopedia.com\/terms\/c\/central-bank-digital-currency-cbdc.asp#citation-10\" target=\"_blank\" rel=\"nofollow noopener\">ZDROJ<\/a><\/span><\/h3>\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Digit\u00e1ln\u00ed m\u011bny centr\u00e1ln\u00ed banky jsou digit\u00e1ln\u00ed tokeny, podobn\u00e9 kryptom\u011bn\u011b, vyd\u00e1van\u00e9 centr\u00e1ln\u00ed bankou.\u00a0Jsou spojeny s hodnotou&#8230;<\/p>\n","protected":false},"author":2,"featured_media":18789,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[503,3677,916,133],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/18788"}],"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=18788"}],"version-history":[{"count":1,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/18788\/revisions"}],"predecessor-version":[{"id":18790,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/18788\/revisions\/18790"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/18789"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=18788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=18788"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=18788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}