이스라엘 은행이 빠른 국내 결제를 위한 디지털 화폐 관련 컨설팅을 받은 자료인데 pdf 다운로드도 받을 수 있으니 참조 바랍니다.
보고서상 디지털 화폐는 당연히 그렇겠지만 비트코인 같은 변동성 심하고 탈중앙된 게 아닌 중앙화된 디지털 화폐입니다.
아직 중앙은행이 발행한 디지털 화폐는 존재하지 않지만, 중국은 이미 시험을 마치고 빠른 시일내 발행 예정이고, 러시아에서 발행을 검토중이라고 합니다.
지폐나 동전의 유통, 발행량이 갈수록 줄어들고 스마트폰을 이용한 소액 결제가 일반화된 상황에서 이런 검토, 발행은 여러 나라에서도 시행될 것이라 봅니다.
분명한 것은 중앙은행이 발행하고 보증하는 디지털 화폐가 나오면 기존 암호화폐는 불법화되거나, 불법은 아니더라도 상품으로만 가능하고 화폐 지불 기능은 불법화할 수도 있다는 것입니다.
당장 내년의 일이지 내후년의 일일지 모르지만 염두에 두고 봐야할 변화 중에 하나입니다.
기사 link:
https://www.ccn.com/israel-central-bank-considers-digital-currency-instant-payments/
pdf Download link:
http://www.boi.org.il/en/NewsAndPublications/PressReleases/Documents/Public%20Consultation%20on%20the%20Establishment%20of%20an%20Infrastructure.pdf
기사 내용
The Bank of Israel is reportedly considering issuing a digital currency to support a real-time nationwide payments system.
In its advent to research and foster a real-time payments system in the country, the Bank of Israel sees a central bank-issued digital currency as an option for an effective and reliable infrastructure for immediate payments. For context, the Bank of Israel published a public consultation paper [PDF] on November 15 that sought proposals for a payments infrastructure, either “centralized or distributed – that will support immediate payments in Israel.”
As Reuters reports, an anonymous Bank of Israel source has now confirmed the central bank is examining the possibility of issuing a blockchain-powered cryptocurrency for a faster payments infrastructure.
While a faster payments system, akin to the likes of the UK and Singapore (as cited by the BOI paper) is a possibility, “a central bank-issued digital currency is another form of an advanced payments system which currently does not exist,” the anonymous central bank official said.
According to the unnamed source, a digital currency issued by the central bank would be ‘centralized, safe and abide by money laundering rules’ unlike decentralized cryptocurrencies like bitcoin.
The source further added:
Central banks around the world are examining (the use of digital currencies) so we should as well.
A digital currency would also help the Israeli government reduce the amount of physical cash in circulation with an estimated 22% of the country’s national output currently in the black economy.
A number of central banks around the world are actively researching and exploring the issuance of cryptocurrencies. The most notable of these efforts sees China’s endeavor establish a digital currency research institute this year after an early successful trial, made public this year, revealed the People’s Bank of China issue its own digital currency over a blockchain. In September one PBoC researcher urged the central bank to issue a digital currency “as soon as possible”. Elsewhere, a meeting between Russian president Vladimir Putin and Moscow’s political elite in mid-October resulted in Putin calling for a state-issued cryptocurrency, tentatively dubbed the ‘cryptoruble.’
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