O BIS propõe uma arquitetura mista para CBDC de varejo

A Golden Finance report suggests that the Innovative and Digital Economy Consultative Group of the Banco de Pagamentos Internacionais (BIS) proposes the adoption of a hybrid architecture to build retail Moeda digital do Banco Central (CBDC), with the emission and governance being the responsibility of the Central Bank, while commercial banks provide consumer services. The report proposes the use of a modular approach for design, focusing on the Token model to achieve privacy protection, while also supporting the account-based model, with user identity information being kept in private intermediaries for privacy protection. Despite the proposed privacy protection measures, CBDC is still widely considered to be contradictory to the concept of DeFi, leading to concerns about systemic risks, privacy, and feasibility.