Goma daga cikin manyan cibiyoyin kuɗi na Turai, ciki har da CaixaBankSun ɗauki matakin haɗin gwiwa don shiga cikin duniyar kuɗin dijital da aka tsara. Ta hanyar wani sabon kamfani mai suna QivalisKungiyar ta sanar da kaddamar da a Stablecoin farashin canji ya hau kan euro wanda aka shirya fara aiki na farko na rabin na biyu na 2026.
An haifi wannan shiri ne da nufin mamaye sararin samaniya wanda, a cewar masu tallata shi, Turai ta bar hannun wasu bangarori na uku: na stablecoins-mamaye dalaA cikin kasuwannin duniya inda akasarin waɗannan alamomin aka danganta su da dalar Amurka, wannan aikin yana da nufin ya zama mai girma. ka'idoji da ingantaccen kayan aikin biyan kuɗi na dijital gina daga cikin tsarin banki na Turai kanta.
Wanene ke bayan Qivalis kuma ta yaya aka tsara ƙungiyar?
An tsara aikin ta hanyar European Banking Consortium Stablecoin, haɗin gwiwar banki da ke haɗuwa tare CaixaBank da wasu manyan bankuna tara a yankin. Musamman, suna shiga. Banca Sella, BNP Paribas, Danske Bank, DekaBank, ING, KBC, Raiffeisen Bank International, SEB da UniCredit, dukkansu suna da gagarumin tasiri a kasuwannin Turai daban-daban.
Qivalis an kafa shi bisa hukuma azaman Kamfanin na Amsterdam (Netherlands), daga inda za ta sarrafa duka biyu samun izini da ake bukata da kuma tallan kasuwanci na gaba alama. A cewar manajojinsa, zaɓin wannan wurin ya kasance saboda yanayin tsarin sa da daidaitawa tare da Babban Bankin Netherlands, ikon da za su nemi lasisin yin aiki.
A wurin gabatarwa a hukumance a Amsterdam, shugabannin ƙungiyar sun dage cewa an tsara tsarin ya kasance bude don shigar da ƙarin ƙungiyoyiMa'aikatar kudi ta gayyato wasu bankunan Turai karara da su shiga wannan shiri, da nufin karfafa ka'idojin biyan kudin Euro. fasahar blockchain.
Aikin kuma yana nema don haɗa duniyoyi biyu daban-daban na al'adaBangarorin biyu suna kayyade tsarin banki da cryptocurrencies. A cikin 'yan watanni na farko tun lokacin da aka sanar da shi, an mayar da hankali kan gina ƙungiyar da kuma daidaita ra'ayi na ilimi tsakanin sassan hada-hadar kudi na gargajiya da kuma yanayin yanayin crypto, wanda aka yi la'akari da mahimmanci don samar da tsari mai mahimmanci a kan babban sikelin.
Jagoranci, gudanarwa, da kuma ƙwararrun tsari
Sabuwar kamfani za ta sami babban ƙungiyar gudanarwa tare da ƙwarewa mai yawa a cikin kasuwannin kuɗi da kadarorin dijital. Za a gudanar da aikin yau da kullun Jan-Oliver Sellwanda zai zama CEO. Sell yana da gogewa a matsayin babban manajan Coinbase a Jamusinda ya shiga cikin samun lasisin tsaro na farko na cryptocurrency wanda Hukumar Kula da Jama'a (BaFin) ta bayar, kuma ya rike mukamai na alhaki a dandamali kamar su. Binance da shirye-shiryen tallafin dijital kamar iFunded, ban da kusan shekaru ashirin a manyan mukamai a cikin Birnin London.
Shugaban Hukumar Kulawa ya ta'allaka ne da Howard DaviesDavies, sanannen mutum ne a cikin tsarin mulkin Burtaniya, shine shugaban farko na hukumar Hukumar Ba da Tallafin Kuɗi Tsakanin 1997 da 2003, ya ba da umarni London School of Economics tsakanin 2003 da 2011 kuma ya jagoranci Royal Bank of Scotland tsakanin 2015 zuwa 2020. Ya kuma taba zama mataimakin gwamnan jihar Bank of England da Shugaba na kungiyar kasuwanci CBI, wanda ya kawo aikin a ƙaƙƙarfan tsari da bugu na kulawa.
Tare da su, Floris Lugt Ya rike mukamin babban jami'in kudi na Qivalis. Daga wannan matsayi, ya bayyana cewa ƙungiyar tana da nufin ƙirƙirar a tsaka tsaki misali a fagen stablecoins a cikin Yuro, yana barin haɓaka ayyukan haɓaka mafi girma akan mahimman kayan aikin alama a hannun ƙungiyoyi masu shiga.
Shugabannin kungiyar sun jaddada cewa tsarin mulkin Qivalis ya samo asali ne daga tsarin da aka riga aka kafa a Amurka, kamar su tsabar kudi. USDT ko USDCamma ya dace da tsarin doka da takamaiman bukatun Tarayyar Turai. Manufar ita ce hada da sauri da sassaucin duniyar crypto tare da tsare-tsaren da aka saba da su a cikin tsarin banki.
Lasisi, jadawalin da bin ka'idojin MiCA
Tun lokacin da aka fara sanarwar a ƙarshen Satumba, sabon kamfanin ya mayar da hankali kan shirya aikace-aikacen lasisi a matsayin Cibiyar Kuɗi ta Lantarki (EMI) a gaban mai sarrafa Dutch. Kamar yadda Jan-Oliver Sell ya bayyana, manufar ita ce gabatar da wannan aikace-aikacen a cikin makonni masu zuwa, tare da tsammanin samun amincewar tsari a cikin kusan [lokacin da ya ɓace]. wata shida zuwa tara, ko da yaushe bisa ga kimantawa daga hukumomi.
Da zarar an kammala wannan tsari, Qivalis yana tsammanin samun abubuwan more rayuwa a wurin. jerin fasaha da fasaha Ana sa ran kwanciyar hankali na euro-pegged za a ƙaddamar a farkon rabin 2026. Saboda haka tsarin lokaci ya dogara ne akan buƙatun ka'idoji da haɓaka hanyoyin biyan kuɗi da yanayin sabis.
An daidaita ƙirar aikin daga farkon tare da Dokokin Kasuwancin Cryptoasset (MiCA) na Tarayyar Turai, wanda ya fara aiwatar da wani bangare a cikin watan Yuni 2024. Wannan tsarin tsarin, wani shiri na farko na duniya, yana ƙulla ƙaƙƙarfan buƙatu a kan masu ba da kwanciyar hankali game da kwanciyar hankali. ajiyayyu, nuna gaskiya da kariyar mai amfani.
Daga cikin wasu fannoni, MiCA na buƙatar kiyayewa cikakken ruwa tanadi wanda baya darajar alamun da aka bayar, don bayyana cikakken bayani kan abubuwan da ke tattare da kadarorin da ke goyan baya da kuma ba da garantin hakkin biya na masu riƙe a daidai ƙimar. Bugu da kari, masu bayarwa suna ƙarƙashin kulawa kai tsaye na hukumomin kuɗi na ƙasa da, a wasu lokuta, na ƙungiyoyin Turai.
Masu tallata Qivalis suna jayayya cewa wannan tsari da aka tsara, ba tare da zama cikas ba, shine jigon tsakiya don gina aminci tare da masu amfani da kuma jawo hankalin abokan ciniki guda ɗaya da kamfanoni masu sha'awar yin amfani da Euro na dijital a cikin ayyukansu na yau da kullum da ayyukan ciki.
Ta yaya stablecoin zai yi aiki kuma wace rawa Euro za ta taka?
Stablecoin wanda Qivalis zai fitar zai kasance cikakken kima zuwa Yuro akan rabo 1 zuwa 1Wannan yana nufin cewa kowane alamar da ke gudana dole ne a goyi bayansa da Yuro ɗaya a cikin tsabar kuɗi ko makamantan kadarori masu inganci da yawa. Wannan ƙirar tana da nufin rage haɓakawa da bambance irin wannan nau'in cryptocurrency daga wasu, ƙarin hasashen kuɗaɗen dijital.
A cewar wadanda ke da alhakin, za a kiyaye daidai da kudin guda ɗaya ta hanyar haɗin gwiwa ajiyar kuɗi da kadarorin kuɗi na mafi kyawun inganci da ƙimawanda ya cika ta hanyar kula da haɗarin haɗari da manyan matakan ruwa. Manufar ita ce masu riƙewa za su iya canza alamun ku zuwa Yuro a kowane lokaci, ba tare da wani abin mamaki ba a cikin farashin musayar.
A lokaci guda kuma, ƙungiyar ta jaddada cewa wannan aikin bai kamata ya ruɗe da aikin ba Yuro dijital ta Babban Bankin TuraiFloris Lugt ya nuna cewa, bisa ga bayanan da ake da su a yanzu, ƙirar ƙirar kuɗin dijital na gaba ba ya yin la'akari da hanyar haɗin kai tsaye zuwa fasahar blockchainSabili da haka, ba za a yi nufin amfani da shi ba a cikin biyan kuɗi na "kan-sarkar" kamar yadda aka tsara don Qivalis stablecoin.
Manufar ita ce wannan sabuwar alamar za ta yi aiki azaman a kayayyakin more rayuwa Layer don biyan kuɗi da ƙauyuka a cikin yanayin crypto da kuma kan hanyoyin sadarwa na blockchain, suna rayuwa tare da tsarin biyan kuɗi na al'ada da duk wani ci gaba na ci gaban dijital na hukuma a nan gaba. A cikin kalmomin masu tallata shi, zai kasance game da ƙara zaɓuɓɓuka a cikin sararin kuɗi ɗaya, maimakon ba da shawarar madadin babban bankin.
Gudanar da Qivalis kuma yana jaddada manufar «haifar da yanayin aminci»a kusa da stablecoin, don haka kamfanoni, cibiyoyin kuɗi da masu amfani da kowane mutum su fahimci wannan kayan aiki azaman haɓakar dabi'a na An riga an san bankin Turaiamma ya dace da sababbin fasaha.
Manufofin dabarun da kuma cin gashin kansa na kuɗaɗen Turai
Ɗayan mafi yawan saƙonnin masu tallata Qivalis shine buƙatun Ƙarfafa ikon cin gashin kai na kuɗi na Turai a cikin yanayin kasuwancin crypto. A yau, kasuwar stablecoin ta duniya, tana da ƙima 240.000 miliyan kudin Tarayyar TuraiAn mamaye kusan gaba ɗaya ta alamun da aka ambata zuwa dalar Amurka, tare da nauyi kusa 99% na jimlar.
Sabanin haka, Stablecoins masu darajar Yuro suna wakiltar a ƙaramin yanki na kasuwatare da babban kasuwa na kewaye 395 miliyan kudin Tarayyar TuraiWannan asymmetry, masu fafutuka suna jayayya, ba wai kawai tasirin tattalin arziki ba ne, har ma da geopolitical, ƙarfafa matsayin dala a matsayin kudin tunani har ma a fagen kudi na dijital.
Jan-Oliver Sell ya ayyana wannan lokacin a matsayin "maɓalli don cinikin dijital na Turai da haɓakar kuɗi"nace cewa aikin yana neman tabbatar da cewa Yuro ya kiyaye dacewa "a cikin shekarun dijital" kuma Turai tana da madadin mu kayyade idan aka kwatanta da manyan dollar stablecoins.
A nasa bangaren, Sir Howard Davies ya jaddada cewa, Tarayyar Turai ta riga ta samu wani abu ingantaccen tsari na kadarorin crypto Kuma yunƙurin kamar Qivalis suna wakiltar wata hanya ta zahiri don yin amfani da wannan tsarin ta yadda nahiyar za ta iya taka rawar da ta dace a nan gaba na kuɗin dijital. A ganinsa, game da daidaita dabi'u da fifikon Turai tare da juyin halitta na sababbin nau'ikan biyan kuɗi.
Wadanda ke kula da aikin suna ganin wannan a matsayin "babbar dama“domin yankin ya daina dogara kusan kawai kan hanyoyin da aka bayar daga wajen ikonsa kuma zai iya gina ababen more rayuwa na mallakar mallaka, masu haɗin gwiwa da kulawa don biyan kuɗin Yuro a cikin ci-gaba na yanayin dijital.
Shirye-shiryen aikace-aikacen, ƙarin ayyuka da rawar bankunan
Bayan ƙaddamar da sabuwar alama kawai, haɗin gwiwar banki na tunanin Qivalis a matsayin tushen tushen saitin sabis na kuɗi na dijitalDaga cikin aikace-aikacen da aka shirya akwai kusa-nan take biyan kuɗi na duniya da ƙananan farashi, samuwa a kowane lokaci na rana kuma tare da sulhu na ƙarshe a cikin Yuro.
Wani layin da aka ambata a matsayin fifiko shine liquidation na tokenized dukiyaWato, wakilcin blockchain na kayan aikin kuɗi na gargajiya, kayayyaki, ko wasu haƙƙoƙin tattalin arziki. Stablecoin zai yi aiki azaman barga tunani kadari don kammala waɗannan ayyukan tare da ƙarancin juzu'i da ƙarancin dogaro ga wasu kudade.
Aikin kuma ya buɗe har zuwa sararin samaniya na Ba a raba kudi (DeFi) da kasuwannin crypto gabaɗaya, inda za'a iya amfani da sigar tsabar kudin euro da ke goyan bayan bankunan gargajiya kadarorin jingina, hanyar biyan kuɗi, ko sashin asusu a fadin ɗimbin ladabi da dandamali.
Daga ra'ayin mai amfani na ƙarshe, ra'ayin shine cewa bankuna masu shiga, da waɗanda suka shiga nan gaba, za su ba da samfurori da mafita da aka gina akan Qivalis: walat ɗin dijital da aka haɗa cikin banki ta kan layiKayan aiki don biyan kuɗin kasuwanci-zuwa-kasuwanci, haɗin kai tare da tsarin lissafin kuɗi, ko mafita ga manyan kamfanoni da SME waɗanda suka riga sun yi aiki tare da kadarorin crypto.
Masu tallatawa sun yarda cewa, daga yau, Wasu 'yan ƙasa har yanzu suna kallon cryptocurrencies tare da tuhuma.Wannan shi ne ainihin dalilin da ya sa suke yin caca a kan sanannun cibiyoyin banki don ba da rancen alamar su da kayan aikin su ga wannan stablecoin, da niyyar sauƙaƙe fahimtarsa da karɓuwa a cikin rayuwar yau da kullum na Turawako a cikin biyan kuɗi na yau da kullun ko a cikin ayyuka masu rikitarwa.
An gabatar da ƙaddamar da Qivalis a matsayin ƙoƙari mai tsanani don rufe rata tsakanin banki na gargajiya da yanayin yanayin cryptoWannan zai bai wa Yuro kwanciyar hankali da kayyade kasancewarsa a duniyar dijital. Idan an cika ka'idojin ka'idoji da kuma sha'awar ƙarin ƙungiyoyi da masu amfani da su, wannan yunƙurin na iya nuna sauyi kan yadda ake biyan kuɗi a Turai da kuma rawar da Yuro ke takawa a cikin haɓakar sararin samaniya na kadarorin dijital.
