2023年4月27日

美國——英語分享這篇文章分享這篇文章紐約,4月27日,2023年中央銀行正麵臨著從正在進行的辯論——應該零售和批發CBDC支付清算和結算是分開的嗎?的口令和CBDC應該賬戶嗎?普通公民的區別並不重要用戶。他們主要關心的是有一個簡單,安全,和全方位的解決方案,使他們很容易轉移價值和經濟化,不管他們的訪問銀行或移動/互聯網連接。通過橋接批發和零售CBDC,一個豐富的數據格式可以實現,消除今天在支付係統存在的差異。因此,各類CBDC和non-CBDCs之間的互操作性是很容易的,有一個無縫的發行層包括批發和零售,賬戶和口令CBDCs轉換,確保即時、安全,真正的包容、順暢的跨境和跨資產支付。過渡性賬戶和令牌CBDCs無縫批發轉為零售和retail-to-wholesale支付結束正在進行的辯論,流利已經開發了一個突破性的解決方案能夠彌合令牌和帳戶CBDCs,稱為Aureum核心。“滿足零售市場的需求,央行傾向於一個帳戶ledger-based CBDC模型來消除基於符號係統的局限性,同時探索使用“橋”將批發令牌與零售賬戶支付部署在區塊鏈,“說流利。基於符號的平台不是專門為所謂的零售CBDC雖然有很多零售CBDC解決方案進行了在過去的幾年裏,沒有一個基於符號的方法已經能夠完全解決與可靠地提供安全相關的挑戰和局限性和連續雙離線交易零售用戶,同時避免雙重支出問題明確表示,基於平台並不是專門為所謂的零售CBDC(瑞典項目第2階段e-krona)。流利的解決方案提供了一個橋梁,批發牌CBDCs可以通過部署一個無縫的集成轉換橋賬戶零售CBDC啟用; 24/7/365 online and offline capability (when both payee and payer are offline without an internet/mobile connection) consecutive transactions (both online and offline) no double spending issues Offline functionality is mandatory for intermediaries that will distribute CBDC According to the digital euro progress report published by the European Central Bank on 24 April 2023, the provision of offline payments as a core service will be mandatory for intermediaries that distribute CBDC. Fluency Aureum is currently the only CBDC technology that is able to facilitate dual offline (when both payee and payer are offline without an internet/mobile connection) consecutive payments without the fear of double spending issues that a token CBDC presents due to its account ledger-stored nature. Inga Mullins, CEO at Fluency, said: "Specifically for CBDCs, our solution offers central banks and those within the financial ecosystem a straightforward means of connecting their internal networks with all other payment systems across the globe via a single issuance layer, thereby ensuring swift and seamless domestic and cross-border transactions. Adopting an innovative DLT-stored account-based CBDC such as Aureum eliminates the most critical security risks within a token-based solution while enabling a single issuance layer to provide a smooth and instant wholesale token exchange to retail account-based CBDC. We believe our account ledger-based CBDC solution can offer a seamless CBDC transaction flow between wholesale and retail on a highly scalable model". Press Contacts: