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为何央行数字货币将摧毁虚拟货币

发自纽约——世界各国央行的行长们都已开始讨论中央银行数字货币(Central Bank Digital Currencies)的概念,如今甚至连国际货币基金组织及其总裁克里斯蒂娜·拉加德也在公开谈论这一理念的利弊。

此样的对话早该进行了。现金的使用日渐稀少,甚至在瑞典和中国等国近乎消失了。与此同时,数字支付系统——欧美的PayPal,Venmo等系统;中国的支付宝和微信;肯尼亚的M-Pesa;印度的Paytm——都能提供原本归属于传统商业银行的有吸引力的替代服务。

大多数这些金融科技创新仍然与传统银行对接,没有一个依赖于加密货币区块链。同样,如果央行数字货币得以发布,它们也将与这些过度炒作的区块链技术无关。

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