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美联储考虑推出新的即时支付系统,以针对美国加密货币的使用
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大家好,我是老李,关注我,了解更多
美联储将推出“FedNow”,这项服务将使企业,个人和机构能够立即发送付款,提供与加密货币和中央银行数字货币(CBDC)相同的服务。
根据周一的公告,该服务的技术测试阶段预计将于下个月开始,然后在2023年5月至7月期间向公众推出。
FedNow于2019年获得美联储批准,旨在通过取代现有的实时支付(RTP)网络来推进美国的现代支付,该网络由于地理和时间相关障碍而使支付变得轭辙。一旦服务上线,用户就可以在一天中的任何时间发送和接收即时付款,从而使他们能够更灵活地管理资金并进行时间敏感的付款。
“FedNow服务将改变整个经济中的日常支付方式,通过在任何一天的任何时间发送即时付款的能力,为家庭和企业带来可观的收益,并且资金立即可供收件人进行其他支付或有效管理现金流。美国联邦储备委员会副主席Lael Brainard说。
根据公告,对该服务的访问将通过美联储的“FedLine网络”提供,这是一种基于网络的解决方案,旨在有效,安全和可靠地促进电子支付。超过120家组织和银行已经在测试该项目的试点阶段。
然而,引入这项服务可能会阻碍CBDC的引入,而CBDC一直在工作,原因大致相同。上周,美联储理事米歇尔·W·鲍曼(Michelle W. Bowman)表示,他预计FedNow将解决有关CBDC需求的问题。然而,他建议,一旦银行对其设计原则,成本和收益感到满意,该银行也可以走CBDC路线,正如今年早些时候的一份讨论文件所述。美联储官员目前对其需求存在分歧,一些高级官员为FedNow担保。
一些人还表示,随着用户转向美联储储备支持的“更安全”的服务,该服务可能会进一步疏远加密创新,并颠覆私人加密货币在交易中的使用。
然而,一些行业专业人士认为,美联储可能要等待数年才能让企业和消费者完全接受FedNow,并指出这项服务是美国过时支付基础设施的姗姗来迟的升级。此外,这些服务的影响不太可能摧毁加密行业,因为该服务下的支付将在美国境内受到限制。
一个人的加密道路总是那样坎坷。
你需要加入一个由一群志同道合的人组成的队伍。
感谢观看,关注我,我们下期再见!
来源:金色财经 |
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