Skončí blockchain s komerčnými bankami, ako ich poznáme?

banka, blockchain

Blockchain as we know it has a huge potential not only in the field of finance. In essence, it can change the world, making it a decentralized place that is fair and provides equal opportunities for everyone. But is there a chance that it could replace today’s banks? How would that be possible and what would it look like?

Prečo je to dôležité

As you probably know, blockchain is the driving force for cryptocurrencies and digital currencies. With the growing popularity of digital currencies, banks are forced to respond in some way to the increased pressure. Thus, central banks began to work on their own digital currencies, called central bank digital currencies (CBDCs), which could work similarly to cryptocurrencies on a blockchain, but these would certainly not be decentralized in any way.

Čo môžete počuť

Many investors and entrepreneurs have also begun to move towards cryptocurrencies. For example, JP Morgan veteran Daniel Masters founded CoinShares after finishing his career as a commodity trader. Based upon the dynamics of this industry, he even tried to plan a business strategy for 3 years ahead. He also mentiones CBDCs as one of the main forces of the future. According to many investors, CBDCs are an important trend that is worth following closely.

Čo to môže znamenať

If fully deployed, CBDCs will have an impact on the entire financial world, including commercial banks. Today, central banks issue money and commercial banks negotiate with end users and offer products. The CBDCs would change this, commercial banks would no longer have the reason to exist, and the central bank itself would issue digital coins, which would be sent directly into your wallet. CBDCs could even use blockchain for that, but in a very limited form.

Čo môžete urobiť

Innovation brought by blockchain has far more potential than can be seen at a first glance. Blockchain could, in fact, perform all the actions performed by a bank with the CBDC, transparently, without an intermediary in the form of a bank or a banker. If you would like to learn more about digital currencies using blockchain, you can visit our Platon Trading Academy. There you will learn all about the functioning and potential that digitálne meny bring.

Zdroj: forbes.com

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