{"id":88354,"date":"2025-09-23T00:15:10","date_gmt":"2025-09-22T22:15:10","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=88354"},"modified":"2025-09-22T10:41:42","modified_gmt":"2025-09-22T08:41:42","slug":"depozitni-token-digitalni-klec-pro-vase-penize-svycarske-banky-oslavuji","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2025\/09\/23\/depozitni-token-digitalni-klec-pro-vase-penize-svycarske-banky-oslavuji\/","title":{"rendered":"Depozitn\u00ed token: Digit\u00e1ln\u00ed klec pro va\u0161e pen\u00edze \u2013 \u0161v\u00fdcarsk\u00e9 banky oslavuj\u00ed"},"content":{"rendered":"
<\/div>\n

Depozitn\u00ed token: Digit\u00e1ln\u00ed pokrok, nebo dal\u0161\u00ed krok do finan\u010dn\u00ed klece?<\/span><\/strong><\/p>\n

\u0160v\u00fdcarsk\u00e1\u00a0<\/span>bankovn\u00ed asociace (SBA) slav\u00ed miln\u00edk<\/span><\/a>\u00a0: \u00fasp\u011b\u0161n\u011b byla dokon\u010dena studie proveditelnosti tzv.\u00a0<\/span>depozitn\u00edho tokenu<\/span><\/em>\u00a0. Spolu s PostFinance, Sygnum Bank a UBS poprv\u00e9 testovali, jak lze bankovn\u00ed z\u016fstatky p\u0159ev\u00e1d\u011bt jako digit\u00e1ln\u00ed tokeny prost\u0159ednictv\u00edm ve\u0159ejn\u00e9ho blockchainu. V bankovn\u00edm \u017eargonu to zn\u00ed jako inovace, efektivita a bezpe\u010dnost \u2013 ale za t\u011bmito m\u00f3dn\u00edmi slovy se skr\u00fdv\u00e1 mnohem v\u00edc, ne\u017e odhaluj\u00ed leskl\u00e9 tiskov\u00e9 zpr\u00e1vy.<\/span><\/p>\n

Co je to vkladov\u00fd token?<\/span><\/h2>\n

Koncept je jednoduch\u00fd: M\u00edsto bankovek nebo tradi\u010dn\u00edch bankovn\u00edch \u00fa\u010dt\u016f se vyd\u00e1vaj\u00ed digit\u00e1ln\u00ed \u201evkladn\u00ed tokeny\u201c, kter\u00e9 se ukl\u00e1daj\u00ed p\u0159\u00edmo na blockchainu. To umo\u017e\u0148uje automatizaci a zpracov\u00e1n\u00ed plateb mezi bankami, z\u00e1kazn\u00edky nebo dokonce automaty v re\u00e1ln\u00e9m \u010dase.<\/span>
\nOfici\u00e1ln\u011b se to prod\u00e1v\u00e1 jako \u201ezlep\u0161en\u00ed efektivity\u201c \u2013 platby maj\u00ed b\u00fdt rychlej\u0161\u00ed, levn\u011bj\u0161\u00ed a bezprobl\u00e9mov\u011b integrovan\u00e9 do digit\u00e1ln\u00edch ekosyst\u00e9m\u016f.<\/span><\/p>\n

Nev\u00fdhoda: V\u00fdb\u011br hotovosti, \u00fapln\u00e1 sledovatelnost v hotovosti<\/span><\/h2>\n

I kdy\u017e to zn\u00ed ne\u0161kodn\u011b, n\u00e1sledky jsou explozivn\u00ed:<\/span><\/p>\n

    \n
  • Hotovost pod tlakem<\/span><\/strong>\u00a0: Ka\u017ed\u00e1 iniciativa pro digit\u00e1ln\u00ed bankovnictv\u00ed oslabuje roli hotovosti, i kdy\u017e se je politici a bank\u00e9\u0159i sna\u017e\u00ed ujistit. S ka\u017ed\u00fdm pilotn\u00edm projektem se bl\u00ed\u017e\u00ed konec anonymn\u00edch plateb.<\/span><\/li>\n
  • Kontrola m\u00edsto svobody<\/span><\/strong>\u00a0: Digit\u00e1ln\u00ed tokeny jsou programovateln\u00e9. To znamen\u00e1, \u017ee transakce by mohly b\u00fdt \u010dasov\u011b nebo prostorov\u011b omezeny, ur\u010dit\u00e9 v\u00fddaje by mohly b\u00fdt zak\u00e1z\u00e1ny nebo p\u0159\u00edmo zdan\u011bny. Kdo o tom rozhoduje? Ne z\u00e1kazn\u00edci, ale banky a regula\u010dn\u00ed org\u00e1ny.<\/span><\/li>\n
  • Kontrolka?<\/span><\/strong>\u00a0: Na blockchainu jsou pohyby sledovateln\u00e9. I kdy\u017e existuj\u00ed p\u0159\u00edstupov\u00e9 bari\u00e9ry, podstata z\u016fst\u00e1v\u00e1 stejn\u00e1: ka\u017ed\u00e1 platebn\u00ed transakce je digit\u00e1ln\u011b zaznamen\u00e1na a potenci\u00e1ln\u011b ov\u011b\u0159iteln\u00e1.<\/span><\/li>\n<\/ul>\n

    Dnes dobrovolnost \u2013 z\u00edtra donucen\u00ed<\/span><\/h2>\n

    O \u201evkladov\u00e9m tokenu\u201c se st\u00e1le diskutuje pouze jako o pilotn\u00edm projektu. Banky st\u00e1le zd\u016fraz\u0148uj\u00ed, \u017ee se jedn\u00e1 o technick\u00e9 testov\u00e1n\u00ed, nikoli o \u0161irok\u00e9 zaveden\u00ed. Historie digitalizace v\u0161ak ukazuje: co dnes za\u010d\u00edn\u00e1 jako voliteln\u00e1 mo\u017enost, se z\u00edtra st\u00e1v\u00e1 povinnost\u00ed. Kreditn\u00ed karty, online bankovnictv\u00ed, QR k\u00f3dy \u2013 to v\u0161e kdysi dobrovoln\u00e9, dnes t\u00e9m\u011b\u0159 nemo\u017en\u00e9 obej\u00edt. Pro\u010d by to m\u011blo b\u00fdt s digit\u00e1ln\u00edmi bankovn\u00edmi pen\u011bzi jinak?<\/span><\/p>\n

    Komu to vlastn\u011b prosp\u00edv\u00e1?<\/span><\/h2>\n

    Samotn\u00e9 banky prod\u00e1vaj\u00ed projekt jako slu\u017ebu pro z\u00e1kazn\u00edky. Ve skute\u010dnosti si tak upev\u0148uj\u00ed svou moc ve finan\u010dn\u00edm syst\u00e9mu. M\u00edsto toho, aby nez\u00e1visl\u00e9 kryptom\u011bny, jako je Bitcoin, vytv\u00e1\u0159ely v\u011bt\u0161\u00ed svobodu pro ob\u010dany, si banky buduj\u00ed vlastn\u00ed tokeny \u2013 regulovan\u00e9, kontrolovan\u00e9 a ovladateln\u00e9.<\/span>
    \nR\u00e9torika podobn\u00e1 WHO je tak\u00e9 zar\u00e1\u017eej\u00edc\u00ed: Stejn\u011b jako pandemie slou\u017eily jako z\u00e1minka pro nov\u00e9 kontroln\u00ed mechanismy, \u201edigit\u00e1ln\u00ed inovace\u201c by se mohly st\u00e1t ospravedln\u011bn\u00edm postupn\u00e9ho eroze ob\u010dansk\u00fdch pr\u00e1v ve finan\u010dn\u00edm sektoru.<\/span><\/p>\n

    Z\u00e1v\u011br: Od laboratorn\u00edho experimentu ke zm\u011bn\u011b syst\u00e9mu<\/span><\/h2>\n

    Depozitn\u00ed token je v\u00edc ne\u017e jen technick\u00fd experiment. Znamen\u00e1 za\u010d\u00e1tek nov\u00e9 \u00e9ry, v n\u00ed\u017e pen\u00edze ji\u017e nebudou neutr\u00e1ln\u00edm prost\u0159edkem sm\u011bny, ale digit\u00e1ln\u00ed p\u00e1kou kontroly.<\/span>
    \n\u0160v\u00fdcarsk\u00e9 banky sice slav\u00ed \u2013 ale pro ob\u010dany to znamen\u00e1 m\u00e9n\u011b svobody, m\u00e9n\u011b anonymity a v\u00edce z\u00e1vislosti.<\/span><\/p>\n

    Pilotn\u00ed projekt dnes. Povinn\u00fd z\u00edtra. A nakonec? Finan\u010dn\u00ed klec 2.0.<\/span><\/strong><\/p>\n

    \"\"<\/p>\n

    \"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

    Depozitn\u00ed token: Digit\u00e1ln\u00ed pokrok, nebo dal\u0161\u00ed krok do finan\u010dn\u00ed klece? \u0160v\u00fdcarsk\u00e1\u00a0bankovn\u00ed asociace (SBA) slav\u00ed miln\u00edk\u00a0:…<\/p>\n","protected":false},"author":2,"featured_media":88355,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[503,916,467,9795],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/88354"}],"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=88354"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/88354\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/88355"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=88354"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=88354"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=88354"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}