Currently, in the absence of a CBDC, when making a payment between individuals or companies, funds must actually be transferred from one bank account to another. This is an electronic transfer in which funds must be transferred from one bank to another, involving several intermediaries in the process. This results in a system that is both costly, time-consuming and potentially risky, especially if one of the banks in the transaction goes bankrupt before settlement is completed.
CBDCB: No wire transfer of funds
On the other hand, a Central Bank Digital Currency (CBDC) that settles deposit-based transactions in the form of tokens would, in essence, be a form of "ultra-secure" money that would not need to be transferred between accounts. Instead, the two banks involved would maintain a common blockchain registry and finalize settlements in the central bank's digital currency. The account balances of both parties' accounts would be adjusted accordingly (the payer's balance would decrease, while the receiver's would increase). There would be no need to send or receive funds, resulting in more efficient, secure and economical transactions.
Entra en la nueva economia tokenizada
Token City es el puente definitivo hacia a la economía tokenizada (tEconomy), en la que las empresas tokenizadas (tEnterprises) crean sus mercados de cripto activos (tMarkets), abiertos a inversores globales (tCitizens).
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