Kusintha kwa ma tokeni a katundu kukupita patsogolo pang'onopang'ono, koma mozama kwambiri, pamsika wazachuma wapadziko lonse lapansi. Njirayi imasintha ufulu wazachuma kuposa katundu weniweni, monga malo ogulitsa nyumba, ma bond, ndalama, ndi zobwezeredwa, kukhala zoyimira za digito zolembedwa pa blockchain. Kupatula luso laukadaulo, ma tokeni amaganiziranso momwe misika imaperekera, kulemba, kugulitsa, ndi kukhazikika kwa katundu.
Kodi kuyika chizindikiro cha chuma m'machitidwe ndi chiyani?
Kuyika chizindikiro cha katundu kumatanthauza kupanga chizindikiro cha digito chomwe chikuyimira umwini kapena ufulu wachuma wa katunduyo, ndikuchilembetsa mosasinthika mu zomangamanga zogawidwa za ledger zotchedwa DLT kapena blockchain. Komabe, chizindikiro cha katundu sichipanga chinthu chatsopano: chimayimira, mu mtundu wa digito komanso wokonzedwa, chinthu chomwe chilipo kale m'dziko lenileni.
Mwachidule, katundu wamtengo wapatali wa R$10 miliyoni akhoza kugawidwa m'ma tokeni 100 amtengo wapatali wa R$100 iliyonse, zomwe zimathandiza kuti amalonda omwe ali ndi ndalama zochepa athe kupeza msika wogulitsa nyumba. Choyamba, izi zimachotsa chimodzi mwa zopinga zakale kwambiri pamsika: kufunikira kwa ndalama zambiri kuti apeze katundu wamtengo wapatali.
Kodi ubwino waukulu ndi wotani poyerekeza ndi chitsanzo chachikhalidwe?
Njira yachikhalidwe yoperekera ndi kusungitsa zitetezo imaphatikizapo oyimira pakati angapo, nthawi ya D+1 kapena D+2, ndi njira zoyanjanitsira zomwezo. Ndi tokenization, malamulo a katundu amakonzedwa mwachindunji mu code, zomwe zimathandiza kuti pakhale mgwirizano pakati pa kutumiza ndi kulipira. Chifukwa chake, njirayi imachepetsa kukangana kwa ntchito, ndalama, ndi nthawi yogwirira ntchito.
| Maonekedwe | Chitsanzo chachikhalidwe | Chizindikiro |
|---|---|---|
| Kuthetsa | D+1 mpaka D+2 | Pafupifupi nthawi imodzi |
| Fracionamento | Zochepa | Zopyapyala kwambiri |
| Maola ogulitsa | Masiku a sabata ndi maola ogwira ntchito | Maola 24 patsiku, masiku 7 pa sabata |
| mkhalapakati | Multiplos | Yachepetsedwa ndi mapangano anzeru |
| Kutsata | Tsankho | Yosasinthika komanso yowonekera bwino |
Kuphatikiza apo, mapangano anzeru amapangitsa kuti kubweza kwa malonda kuchitike mwa kutseka pasadakhale katundu ndi zinthu zomwe zikukhudzidwa, kuchepetsa zolakwika pakugwira ntchito ndikuwonjezera magwiridwe antchito pazinthu zosavuta.
Kodi gawo lamakono la tokenization ku Brazil ndi liti?
Brazil ili ndi udindo wofunikira pa kayendetsedwe kameneka. Pulatifomu ya RWA Monitor inapeza ndalama zokwana R$6 biliyoni kudzera mu ma tokeni m'dzikolo, m'mapulojekiti okhudza gawo lazachuma, ulimi, ndi chisamaliro chaumoyo. Poyerekeza, ngongole zachikhalidwe zinapeza R$544,8 biliyoni mu 2025, malinga ndi ANBIMA. Komabe, kupita patsogolo kumeneku kukuwonetsa kale kuti pali njira yopangira zinthu.
CVM Resolution 88 yakhala njira yayikulu yoyendetsera ntchito zotumiza ma tokeni ku Brazil, pomwe Central Bank yapereka zigamulo zolamulira opereka chithandizo cha zinthu zenizeni. Komabe, pulojekiti ya Drex, yomwe ndi ya digito yaku Brazil, idawunikidwanso kwambiri kumapeto kwa chaka cha 2025, pomwe Central Bank idaganiza zosiya kugwiritsa ntchito nsanja ya blockchain yomwe imagwiritsidwa ntchito poyesa koyamba.
Ndi katundu uti womwe msika umagwiritsa ntchito kale ma tokeni nthawi zambiri?
Nkhani zogwiritsidwa ntchito kwambiri zimayang'ana kwambiri ndalama za nthawi yochepa, ma bond a boma, ngongole zachinsinsi, ndi zochitika zogulira zinthu. Mu gawo la malo ogulitsa nyumba, ma tokeni amapanga ma tokeni omwe amayimira ufulu wazachuma, monga kutenga nawo mbali pa lendi, ngakhale kuti salowa m'malo mwa kulembetsa katundu mwalamulo. Kuphatikiza apo, ndalama zolipirira, zolemba zaumwini, komanso ndalama zamtsogolo za othamanga ndi ojambula ndi zina mwa zitsanzo zoyesera zomwe zikupangidwa.
Kodi ndi mavuto ati omwe akulepheretsabe kuyika chizindikiro?
Ngakhale kuti zinthu zapita patsogolo, kusintha kwa ma tokeni kukukumana ndi mavuto enieni. Kutsimikizika kwa malamulo okhudza umwini wa katundu wogulitsidwa kumadzetsa mkangano wokhudza malamulo. Kugwirizana pakati pa nsanja zosiyanasiyana kukuwonetsa chopinga china chachikulu chaukadaulo. Komabe, vuto lalikulu kwambiri ndi malamulo: kufotokoza momwe olamulira amachitira ma tokeni omwe nthawi imodzi amasonyeza makhalidwe a zitetezo, ufulu wa ngongole, ndi kuyimira katundu.
Ndikofunikiranso kugogomezera kuti kubweza ndalama kwa woyika ndalama sikumaposa njira yachikhalidwe. Mu zoperekedwa zokonzedwa mkati mwa njira yachikhalidwe, kugwiritsa ntchito blockchain sikutsimikizira kubweza kwina, chifukwa mtengo ndi kapangidwe ka zoopsa zimakhalabe chimodzimodzi pomwe katundu amakhalabe kunja kwa blockchain.
Kuyika chizindikiro ngati zomangamanga, osati monga zongopeka.
Mfundo yaikulu yomwe imasiyanitsa ma tokenization ndi nkhani zongoganizira kwambiri za msika wa crypto ndi iyi: ikukhudza kukonzanso ntchito kwa ofesi yazachuma pamodzi ndi njira zatsopano zogawa. Cholinga sikupanga katundu watsopano, koma kupanga omwe alipo kukhala ogwira ntchito bwino, osavuta kupeza, komanso ogulitsidwa. Zolosera kuchokera kumakampani opereka upangiri padziko lonse lapansi zikusonyeza kuti msika wa katundu wa ma tokenized ukhoza kufika madola mabiliyoni ambiri pofika chaka cha 2030, ngakhale kuti ukuyimirabe gawo laling'ono la dongosolo lazachuma padziko lonse lapansi.
Nsanja yofunikira kwambiri kwa amalonda odalirika. Ebinex Imagwira ntchito ndi njira yowonekera bwino, Pix (njira yolipirira nthawi yomweyo yaku Brazil), komanso kubweza ndalama mwachangu. Tsegulani akaunti yanu, yambitsani KYC ndi 2FA, ndikupikisana mu mpikisano.
Kodi mwasangalala ndi zomwe zili mkati? Gawani ndi amalonda ena ndikutsatira kusanthula kwina pa [ulalo wopita ku tsamba lawebusayiti la kusanthula]. blog.ebinex.com
