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加密货币和法币可以共存,加拿大或推出国家加密资产

加拿大央行(BOC)高级副行长Carolyn Wilkins最近指出,目前人们对货币和加密资产的兴趣越来越大,但似乎很多人都不知道与货币及加密资产相关的私人和公共机构葫芦里到底卖什么药。

这些声明是在她关于DLT(分布式账本技术)的开放演讲中发表的,演讲的开头引用了一篇以加密货币为主题的报道。她的演讲是围绕着分布式账本技术目前正如何以及将来可能如何影响加拿大银行履行其职责而展开的。

这与加拿大央行作为一个具有社会意识的放贷机构以及货币政策制定者的角色相符。Carolyn甚至承诺有可能推出一项由加拿大央行作支撑的加密资产。

加密货币领域充满反讽

在她的演讲中,她把重点放在了一些她认为具有讽刺意味的观点上,这些观点在加密货币领域俯拾皆是。她表示,由于现有的矿池数量非常少,比特币挖矿实际上已经变得非常中心化。此外,比特币还改变了个人参与信任的需求,而不是完全消除信任。

Carolyn补充说,程序员拥有巨大的权力,但他们并没有时时肩负起拥有巨大权力所应承担的责任。她还强调,如果加密货币开发团队缺乏创造力,则往往会损害代币和加密货币。通过阐述这一点,她采用了一种旁敲侧击的学术方法试图解释通货膨胀和供给之间的关系。

根据她的理解,关于DLT技术的三个非常重要的方面陷入了一个三难选择的窘境。基于她的陈述,DLT不可能同时满足这三个方面:1)去中心化,2)效率,3)拥有正确的分类帐记录。

推出加拿大国家数字货币?

根据Carolyn 的说法,可以理解为加拿大银行正在或一直在试验使用模拟的银行间支付系统Jasper。它主要用于测试银行间支付系统、跨境支付、证券和现金贸易结算的区块链实现情况。

加拿大央行已经使用R3的Corda和以太坊区块链对该系统进行了测试。CryptoGlobe公布的一份报告表明,这些测试的结果并不像早先预期的那样具有颠覆性。

Carolyn对此的解释是,只要将区块链技术集成到加拿大央行的支付系统中,总会存在中心化的影子。使用该技术进行的任何支付都需要通过银行的账簿,因为银行已经建立了中心化的系统。

尽管在演讲中提出了各种各样的担忧,Carolyn仍然对分布式账本技术的未来充满了兴奋和乐观。她评论说,央行发行的加密资产仍将是一个非常大的社会问题。

Carolyn Wilkins, the Senior Deputy Governor of the (BOC) Bank of Canada recently proposed that individuals are feeling as though they were offered a raw deal by both private and public institutions. She made this proposal as she was explaining the increased interest in currencies and crypto-assets that is being demonstrated by many individuals.

The statements were made during her open-minded presentation on DLT (Distributed Ledger Technologies) which was prefaced by a quotation from a cover with a cryptocurrency theme. Her talk revolved around how distributed ledger technologies are currently affecting, and may in future affect how the Bank of Canada goes about discharging its duties.

This was in line with the BOC’s role of being a socially mindful lender as well as a monetary policy developer. Carolyn went as far as promising that there was a possibility of introducing an asset backed by the Central Bank of Canada.

Cryptocurrency Ironies

In her presentation, she focused on points which she viewed as ironies that are abounding in the cryptocurrency world. She stated that bitcoin mining has actually become very concentrated. This is due to the fact that there are very few mining pools in existence. In addition, bitcoin has also shifted the need for individuals to engage trust, as opposed to completely eliminating it.

Carolyn added that programmers possess immense power, although they do not always shoulder the responsibility that comes with having great power. She also highlighted the fact that lack of a money-creation faculty often tends to harm tokens and cryptocurrencies. By stating this, she was using the academic approach which seeks to explain the relationship between inflation and supply—one which is not always straightforward.

According to her understanding, a trilemma came into view pertaining to three very important aspects that are normally attributed to DLT technologies. Based on what she stated, it is not possible for a DLT to simultaneously satisfy all these three aspects: 1) decentralization, 2) Efficiency, and 3) possess correct ledger entries.

Introduction Of A Canadian Coin?

Based on what Wilkins said, it can be understood to mean that the Bank of Canada is, or has been experimenting using Jasper—this is a toy interbank payments systems. It is mainly used to test blockchain implementations for use in interbank payment systems, cross-border payments, securities, and in posting trade settlements of cash.

The central bank has tested the system using Corda from R3 as well as using Ethereum. A report released by CryptoGlobe indicate that the findings from these tests were not as revolutionary as earlier anticipated.

Wilkins expounded this by stating that as far as integrating blockchain technology into the Bank of Canada’s payment systems was concerned, there was always going to be a centralized side. Any payments being made using the technology will need to pass through the banks’ books as it already has centralized systems in place.

Despite the various concerns that were raised during her presentation, Carolyn remained excited and optimistic about what the future had in store for distributed ledger technologies. She commented by saying that a crypto-asset issued by a Central Bank would remain to be a very big social question.

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