UDavid Edwards
I-Reserve Bank yase-Australia (i-RBA) iqalise isigaba sesibini senkqubo yemali yedijithali phantsi kweProjekthi ye-Acacia, ebonisa ukuguquka okuphawulekayo kwi-blockchain yelizwe kunye ne-tokenization ajenda.
Ityhilwe ngoLwesine, uvavanyo luhlola ukusetyenziswa kwee-stablecoins, iithokheni zediphozithi yebhanki, kunye ne-wholesale central bank digital currency (CBDC) kwiimarike zemali ezithengiswayo. Ngokubambisana neZiko loPhando lwezeMali lweDijithali, i-RBA iya kuvavanya iimeko ze-24 zokusetyenziswa-i-19 ebandakanya imali yangempela kunye nezihlanu ezicwangcisiweyo njengobungqina be-concept kunye ne-asethi efanisiweyo.
Abathathi-nxaxheba kulingo lweenyanga ezintandathu baquka iqela elahlukileyo labavelisi be-fintech kunye namaziko amakhulu emali e-Australia. Eli nyathelo liza kuvavanya izicelo ze-asethi yedijithali kuzo zonke iiklasi ze-asethi ezibandakanya ingeniso esisigxina, iimarike zabucala, ii-receivables zorhwebo, kunye neekhredithi zekhabhoni. Iza kuvavanya kwakhona iindlela ezintsha zokusebenzisa ii-akhawunti zebhanki ezingoovimba.
Phakathi kweebhanki zesizwe ezinkulu ezine, i-Commonwealth Bank (CBA), i-Australia kunye neQela leBhanki laseNew Zealand (ANZ), kunye ne-Westpac basayine. I-CBA isebenzisana neJPMorgan ukuvavanya iimali zedijithali kunye nezisombululo zokubambisana kwimarike ye-repo-isiseko sesiseko solawulo lwe-liquidity kunye nokuphunyezwa komgaqo-nkqubo wemali.
"Ngenxa yendima ebalulekileyo yemalike yerepo kuzinzo lwezemali, imele indawo efanelekileyo yokuhlola ukusebenza kakuhle okuqhutywa yi-blockchain," utshilo uSophie Gilder, uMlawuli oLawulayo weCBA yeBlockchain kunye neDigital Assets.
Ngeli xesha, i-ANZ iza kukhokelela kuvavanyo kwiimali ezihlawulwayo zorhwebo ukunyusa imali yomthengisi kunye nokuhamba kwemali. Ibhanki nayo iya kuphonononga ukusetyenziswa kwe-CBDC ethengisa yonke into ukuze ihlaliswe kwiimarike ezinengeniso esisigxina, ejolise ekunikezeni ubutyebi obungenamngcipheko.
Ukuguquguquka kokulawula kuye kwandiswa yiKomishoni yase-Australia yoKhuseleko kunye noTyalo-mali (i-ASIC), enike uncedo lwexeshana ukwenzela ukuba uvavanyo lwehlabathi lokwenene lwe-asethi yedijithali ngoku ngaphandle kwesakhelo esikhoyo somthetho.
"Sibona usetyenziso olusebenzayo lwetekhnoloji ye-asethi yedijithali kwiimarike zentengiso," utshilo uMkomishinala we-ASIC uKate O'Rourke. "Uncedo lolawulo lubalulekile ekuvavanyeni olu tshintsho ngokufanelekileyo ngelixa ujongana nemingcipheko evelayo."
Ukuma kokulawula okubanzi kwe-Australia kuyaqhubeka ukuvela. Ngo-Matshi, urhulumente waBasebenzi ucebise ukuzisa utshintshiselwano lwe-crypto phantsi kwemithetho ekhoyo yeenkonzo zezimali. Oku kulandela uthethwano loshishino olususela ngo-Agasti 2022. Urhulumente ukwasebenzisana neebhanki ezinkulu ukuvavanya kunye nokunciphisa iindlela zokurhoxisa iibhanki ezinefuthe kwicandelo le-crypto.
Iziphumo zolingelo lwangoku zimiselwe ukukhululwa kwi-Q1 2026 kwaye ziya kunceda ukubumba imaphu yelizwe yolawulo lwezemali yedijithali.
