Јапан започиње експеримент Централне банке са дигиталном валутом

Japan’s central bank has started planning a central bank digital currency (CBDC) experiment with the country’s major financial players, according to a major newspaper report today. 

The Bank of Japan is working with three megabanks as well as regional banks in the Asian nation—and next year will trial a digital yen, Никкеи пријавио Среда. 

If all goes according to plan, the newspaper added, the BOJ may go ahead and release a CBDC in 2026. 

The BOJ’s experiment will explore how deposits and withdrawals can work with a digital yen, today’s report noted. 

A ЦБДЦ is a digital version of a state’s fiat currency—like the U.S. dollar or the euro—backed by a central bank. CBDCs are digital assets, but are different from the likes of Bitcoin, Ethereum, or Dogecoin. 

This is because Bitcoin and other cryptocurrencies are decentralized; their ledger of transactions is maintained and checked by a distributed network of validators. CBDCs, by contrast, are centralized: a central power—the government or central bank—controls them. Различите земље широм света су у различитим фазама истраживања и објављивања ЦБДЦ-а. 

China is well ahead of the game—some citizens are able to spend the digital yuan. The Bahamas, meanwhile, покренуо its own CBDC back in 2020. 

And just last week, major financial institutions in the U.S. најавила they were working with the Federal Reserve to test a digital currency platform.

But privacy advocates have изразио забринутост that CBDCs may allow the state to snoop on citizens’ spending.