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发行以太坊稳定币,这家巴西国有银行想干嘛?

本周一巴西国家开发银行宣布,将于2019年1月推出代币“BNDES”,该代币在以太坊区块链上运行,并与巴西货币雷亚尔1:1挂钩。该银行在整个2018年一直在试用该稳定币,现在正在将其用于对文化机构的免税捐款。

深陷腐败丑闻

巴西国家开发银行是该国的一家国有银行,全称为巴西国家经济社会发展银行。在这个项目的开发过程中,以太坊开发工作室ConsenSys将是巴西国家开发银行的咨询对象之一。尽管ConsenSys不会对其参与发表评论,但它完全符合其创始人Joe Lubin本月早些时候在内部声明中发布的优先事项,即ConsenSys将重点关注在架构和代币设计方面的区块链咨询。

作为试点项目,该行将向电影发行公司Ancine发行价值为几百美元的代币BNDES,用于在当地创作和推广剧本、电影等作品。

此前,巴西比特币洗钱案等一系列腐败丑闻爆发引发了人们对其放贷行为的质疑,这次试点项目的是希望通过BNDES区块链的公开数据重塑人们对该国有银行的信任。

此次试点将使用“国家法人登记号”(CNPJ)的电子身份证明文件(ID证书),所有巴西的公司均须有这个号码。

BNDES系统开发经理Vanessa Almeida表示:

“我们可以通过智能合约执行规则,只有与这个电影公司的合作伙伴才可以接收和使用这个稳定币。我们在巴西有一种ID证书,通过它我们可以提前知道可以发送代币的地址。”

这个项目是在以太坊基金会开发人员Alex Van De Sande的帮助下开发的,目的是让电影制作人与非营利组织Ancine建立联系,以便Ancine能够实时收集和分享他们的财务记录。接受者只能通过银行兑换与当地货币雷亚尔挂钩的稳定币。

试点项目的交易数据也可以用来开发未来的应用场景。Vanessa Almeida说,这些信息可以为公共政策的制定指明方向,这样他们将对这个经济领域有更多的了解。

探索新的应用场景

退一步说,到目前为止,加密货币交易商一直是稳定币的主要用户,他们通过稳定币在自己的交易账户中存储价值,这些价值形式可以在不通过银行的情况下立即兑换成其他加密货币。

Coinbase、Gemini和Paxos等交易所今年都上线了与法币挂钩的加密货币。相比之下,这家巴西国有银行展示了稳定币在资金管理方面另一个应用场景。

巴西区块链教育学院创始人Rosine Kadamani对此表示,这一试点项目可能会在该国产生连锁反应。

因为由政府运营的巴西国家开发银行管理着从教育领域到道路、大坝等基础设施建设的项目资金。Rosine Kadamani说:

“不幸的是,巴西以腐败闻名,人们对公共资金的使用存在很多疑问。稳定币BNDES如果运作良好,还会产生其它影响。”

事实上,BNDES区块链计划的技术负责人表示,该行将重新评估这一试点项目的结果,并考虑将其扩展到其他接受公共资金的组织。他说道:

“我们的设想是将其用于巴西的其他机构或整个政府体系。”

A state-owned bank in Brazil is about to issue a crypto token designed to maintain parity with the national currency.

Revealed exclusively to CoinDesk, the Brazilian National Social Development Bank will launch a pilot in January 2019 for the BNDES token, which runs on the ethereum blockchain and is backed 1-for-1 by Brazilian real. The bank has been experimenting with the stablecoin throughout 2018 and will now use it for tax-deductible contributions to cultural institutions.

ConsenSys, the ethereum design studio, will be among the companies consulting the bank during this process. Although the Brooklyn, N..Y.-based conglomerate of startups wouldn’t comment on this Brazilian project beyond confirming its involvement, it falls squarely in line with priorities listed in an internal statement issued by its founder Joe Lubin earlier this month, stating the company will renew its focus on being a blockchain advisory specializing in architecture and token design.

For the pilot, the bank will issue several hundred dollars worth of BNDES to the National Film Agency, a film distribution company called Ancine for short, to create and promote scripts and movie productions in Brazil.

Since the bank has a history of corruption scandals involving misallocated funds and alleged bribes, the pilot creators hope public BNDES blockchain data will help bolster trust in state-owned banks.

The trial will use the National Registry of Taxpayers’ (Cadastro Nacional da Pessoa Jurídica, or CNPJ) electronic identification certificates, which are already widely used by Brazilian companies as official registration documents

“We can enforce rules using smart contracts. The company that receives the money can only spend it with companies that are working within the [film] sector,” Vanessa Almeida, a BNDES systems development manager, told CoinDesk.

Regarding the CPNJ identifiers, she added:

“We have a kind of ID in Brazil that has a certificate to send a token to the company, the company has to sign with this certificate…we will know in advance to which address you can send the tokens.”

This project was developed, with help from Ethereum Foundation developer Alex Van De Sande, to allow filmmakers associated the nonprofit Ancine to collect and share their financial records in real-time. Recipients will only be able to redeem the stablecoin through the bank for local currency.

All that transaction data may be leveraged to develop and inform future use cases as well. “This information can help guide public policies,” said Almeida. “They will have a better map of this sector of the economy.”

Beyond trading

Stepping back, cryptocurrency traders have been the leading stablecoins users so far, storing value in their exchange accounts that can be instantly swapped for other cryptocurrencies without dealing with banks.

Exchange companies like Paxos, Gemini, and Coinbase, all added fiat-pegged cryptocurrencies in 2018. In contrast, this Brazilian pilot shows a use case for fiat-pegged crypto beyond speculative markets.

Rosine Kadamani, founder of the the educational Blockchain Academy in Brazil, told CoinDesk this pilot could have ripple effects across the country.

That’s because the government-run development bank manages funding for projects ranging from educational initiatives to building infrastructure like roads and dams.

“Because unfortunately, Brazil is very well-known for corruption, there’s a lot of questioning about the use of public funds,” Kadamani said. “They start with a stablecoin that is basically an accounting control, because everything goes back to the bank. But in the future, if it works well, there are other implications.”

Indeed, Gladstone Moises Arantes, Jr., technical lead of the BNDES blockchain initiative, told CoinDesk the bank will reevaluate the results of this pilot and consider expanding it to other organizations that receive public funding.

He told CoinDesk:

“The concept we have could be used for other institutions in Brazil or the government as a whole.”

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