为什么 Fantom CBDC 可以改变游戏规则

After the success of stablecoins, more and more banks are developing their native Central Bank Digital Currency (哥伦比亚广播公司) 解决方案. Fantom CBDC is a solution to upgrade the existing banking infrastructure.

In Jan 2021, the Bank of International Settlements (至) surveyed 65 different central banks representing around 91% of the global economy. And guess what, 56 那些 65 central banks were either researching or developing and testing CBDC solutions.

What CBDCs Are and What Makes Fantom CBDC Unique

Central Bank-issued Digital Currency or CBDC, as the name suggests, is a digital currency controlled and issued by central banks. We already have paper-coin currencies and blockchain-based stablecoins. So why do we need CBDCs?

Cryptocurrencies and stablecoins have several benefits over fiat cash, including faster transactions, 分权化, robust security, 以及更多. Governments across the globe want to offer digital currencies with benefits similar to cryptocurrencies while maintaining their control to ensure consumer protection and financial stability.

This is where CBDC comes into the picture. 简而言之, CBDCs are the best of both worlds – they provide the benefits of blockchain while providing consumer protection. 最重要的是, users don’t need to transition to the crypto network. CBDCs are integrated into the existing banking infrastructure.

Everything You Need To Know About Fantom CBDC

Fantom CBDC is extremely fast, bank-level secure, has near-zero transaction costs, and most importantly, can handle high transaction volume. 此外, Fantom routes transactions based on client preferences.

This implies Fantom can route transactions through a public chain or a private network of secure nodes. As for their CBDC model, Fantom has a hybrid approach that the Bank of England validates. In this hybrid model, Fantom offers both – retail and wholesale CBDC solutions.

On the wholesale side, commercial banks open direct accounts with national banks. Whereas on the retail side, commercial banks act as an intermediary between customers, other banks, and the Central Bank. Thanks to this, Fantom avoids the disintermediation of commercial banks, providing a win-win solution for all stakeholders – customers, commercial banks, and the Central bank.

简而言之, Fantom’s hybrid CBDC model preserves the needed banking infrastructures while enhancing them with blockchain technology. Fantom CBDC stands apart as it provides additional benefits on top of the standard advantages of a CBDC solution.

Advantages of Fantom CBDC For Retail – Individuals and Small Businesses

  1. Lower transaction costs: Fantom has near-zero transaction fees. 是, it charges only a fraction of a cent per transaction. Such lower transaction costs and the elimination of go-betweens allow banks to implement microfinance services such as microloans and microcredit at lower costs that would otherwise be too expensive.
  2. Immediate Transaction Settlement: Fantom settles transactions in real-time and provides services 24/7.
  3. Contactless Payments And Financial Inclusion: Fantom CBDCs can be accessed using mobile wallets, enabling contactless payments. Mobile wallet functionality further allows banks to provide financial services to the unbanked.
  4. In-built Tax And VAT policies: Tax and VAT policies can be written in code on the Fantom blockchain. Merchants no longer need to worry about manual administrative work as Fantom automates taxes and VAT deductions.

Advantages of Fantom CBDC For Wholesale Level – Banks And Large Enterprises

  1. Interbank Payments Are Settled Quickly: With Fantom CBDC, settlements and clearance are collapsed into a single process, allowing banks to settle transactions swiftly.
  2. Rapid Distribution of Stimulus Packages: Unlike existing methods, Fantom CBDC allows governments to easily and rapidly helicopter drop (pushing a significant amount of new currency units into circulation) or provide stimulus payments.
  3. Combats Money Laundering And Terror Financing: Every Fantom CBDC unit can be easily traced, supporting Anti-Money Laundering (反洗钱) and Combating the Financing of Terrorism (CFT) 法律.
  4. Promotes Economic Sovereignty And Protects Privacy: The Fantom CBDC system includes digital ID, limiting foreign currencies’ use over national currency, promoting economic sovereignty, and privacy protection.

The Bottom Line

Fantom CBDC stands apart from other CBDC solutions thanks to its hybrid model and the outstanding technological capabilities of the underlying network. It provides benefits to both the consumers as well as the banks. From processing transactions quickly to rapidly distributing stimulus packages, Fantom CBDC enables them all.

After Fantom successfully presented its CBDC solutions to the Stanford Digital Currency Global Initiative in March 2021, Fantom CBDC is now in the implementation phase. More precisely, Fantom network has finalized an implementation plan for rolling out their CBDC solutions to central banks across the world. To keep up with Fantom’s latest announcements, follow their blog and Twitter handle.

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