炎上まとめwiki - 利用者の投稿記録 [ja]

Fed Outlines Pros And Cons Of A US digital Dollar -- But Avoids Taking A Stand for Now

2025-07-04T04:47:33Z

BarryPinkham98: ページの作成:「id="article-body" class="row" section="article-body" data-component="trackCWV"> Get…」

id="article-body" class="row" section="article-body" data-component="trackCWV"> Getty Images was invented, at least in part, to circumvent governments and national currencies. In the , released in the wake of the 2008 financial crisis, Satoshi Nakamoto expressed a desire to create "a new electronic cash system" that was "completely decentralized with no server or central authority." But as gain in popularity, grabbing an increasing share of the global financial pie, governments have taken notice, and now many of them are exploring how to get a piece of the action. One possibility is what's known as a CBDC, or a central bank digital currency. On Thursday, the Federal Reserve took a major step forward towards taking CBDCs seriously in the US, releasing a that examines the potential benefits and risks of CBDCs. This so-called digital dollar would incorporate elements of decentralized cryptocurrencies, like bitcoin, but with a major difference: It's issued and regulated by the country's financial authority. And the US isn't alone. There are dozens of countries engaged in some stage of researching CBDCs, , managing director at the International Monetary Fund. But CBDCs are complex. They offer some potential benefits (providing financial resources to underbanked populations, for example) and potential drawbacks (including significant privacy concerns). For now, here's an introduction to some of the basics, as well as an overview of which countries are working on CBDCs and some clues about how a central bank digital currency might work in practice. What is a central bank digital currency? It's the virtual form of a fiat currency -- that is, government-issued money that isn't backed by other commodities like gold or silver. In short, a CBDC is just the digital form of a country's official currency. As nothing more than a computer code, these currencies could be stored on central ledgers within a country's national bank or on a distributed ledger the way private cryptocurrencies like are. What factors are driving interest in CBDCs? The rise of cryptocurrencies is serving as a wake-up call to national governments, which have long held a monopoly on currency issuance. Concerns over that monopoly being threatened appear to be what's driving interest in CBDCs, according to Gustav Peebles, a professor of anthropology and an expert in monetary history, theory and policy at The New School in New York City. "Currencies throughout history can either be issued by the public or by private entities, and what crypto has shown us or has delivered is a reignition of an age-old fight between private and public currency issuance," said Peebles. "Central bankers suddenly got blindsided; and so, a central bank digital currency is central bankers trying to hold on to their monopoly over currency issuance in the face of erosion of that monopoly." What has the Federal Reserve said about CBDCs? The Federal Reserve released a January 2022 report outlining the potential benefits and downsides of issuing a CBDC in the US. While the Fed didn't take a stance either for or against the issuance of CBDCs, it is asking for on more than 20 questions on the topic. People will have until May 20 of this year to participate in this stage of the Fed's CBDC research. Moreover, the report made clear that the Fed wouldn't move forward with CBDCs unless it received clear support from the executive branch as well as Congress. How would a digital dollar work in practice? Americans are using and carrying less cash nowadays, turning to card and electronic payments instead, with 40% of individuals reporting that they didn't use cash for in-person payments in April, according to a by the Federal Reserve System's Cash Product Office. Mobile payment services like , and are increasingly popular, with 64% of survey respondents saying they regularly use , according to a . But what if you didn't need to go through your bank or a third-party platform to pay or store your money? That's what the digital dollar would promise. CBDCs could bypass the traditional banking system by allowing money to flow directly between parties, just like exchanging cash or transferring funds electronically. Still, the logistics haven't yet been hammered out. One option is for the Federal Reserve to issue digital wallets to Americans, making money accessible through a smartphone app or debit card, according to Peebles. El Salvador did this in the fall by giving Salvadorans access to a when it as legal tender in the country. The money would essentially be in an account you'd have with the Federal Reserve or some entity such as a private bank that the Federal Reserve partners with. When you paid for something, the Federal Reserve would take money from your digital wallet and deposit it directly into the other party's digital wallet, bypassing the complex web of networks currently involved in electronic payments. As a plus, this would remove fees generally associated with such payments. US digital wallets could upend commercial banking Digital wallets issued by the Fed, though, would be a destabilizing form of CBDC. "It really messes with the general pyramidal structure of central banking as a concept, which has always been that central banks are not bankers to average citizens," according to Peebles. As a rule, central bankers oversee the banking system, whereas private banks interact with the consumer. Such a shift would be destabilizing, Peebles noted, because if the average person can make everyday payments through a Fed account, there's less reason to keep an account at a private bank. "That might push private banks away from what they've gradually morphed into today -- this deposit facility -- and send them back to their original task: just providing loans," Peebles said. Not only is it destabilizing, the Fed's report appears to throw shade on the idea that the Fed currently has the authority to create such accounts. Moreover, the Fed could be signaling that it's wary about expanding its current role to these proportions. "The Federal Reserve Act does not authorize direct Federal Reserve accounts for individuals, and such accounts would represent a significant expansion of the Federal Reserve's role in the financial system and the economy," the report said. A less destabilizing CBDC proposal wouldn't require a federal account but would involve a "cash card," that is, a card that customers of private banks could use at ATMs to load up on digital cash instead of paper money. "Just like paper money, if the holder lost that card or had their wallet stolen, the card would have value on it that anyone could use," Peebles said. CBDCs could help unbanked households As of 2020, 5% of US adults, or roughly 16 million individuals, were unbanked, meaning they rely on nonbank products and services for cash, according to the Federal Reserve's . Underbanked rates were higher among Black and Hispanic adults and those from historically excluded and low income groups. For those who have bank accounts, it's already possible to set up direct deposit with the government for federal money like tax refunds or stimulus payments. With a CBDC, the Federal Reserve could make such funds instantly available by depositing them into a digital wallet, regardless of whether the person had a bank account. Privacy concerns over CBDCs The primary concern over a government-issued digital dollar centers on privacy, particularly when it comes to the issuance of Federal Reserve accounts. The US government could track all citizens' purchases through an e-wallet, giving the Fed an account of everything we do and eliminating space for unsurveilled monetary exchange, according to Peebles. If the US government monitors everything you buy -- from milk at your local store to poker chips during your next casino trip -- there's potential for abuse. "All sorts of profiling could emerge out of that, and hackers might deem that database to be quite valuable, too," Peebles said. "So you could picture predatory marketing to the elderly, for example, if the data got out." One possible sticking point could be if people are using their Fed accounts to purchase illicit goods, such as cannabis. While states across the country have legalized cannabis for medical and recreational use, it's still illegal on a federal level. If someone purchased the substance from a dispensary using digital dollars, the government could theoretically decide to impose criminal sanctions for the transaction. Which countries are exploring CBDCs? About 110 countries are at some stage of CBDC development, . The Bahamas, and several countries in the eastern Caribbean through the Eastern Caribbean Currency Union (including Grenada, Antigua and Barbuda, Saint Lucia and St. Kitts and Nevis) have already issued CBDCs. The names of their e-currencies are the , and , respectively. China, which last year, is leading the "in-development" pack with the digital yuan, having trialed over $5 billion worth of transactions since June 2021. China has conducted various real-world pilot runs to test the "reliability of economic theories, the stability of systems and the controllability of risks," according to a by the People's Bank of China. These pilot runs included giving digital yuan to a random pool of applicants to be spent at designated offline locations or on the site of China's largest online retailer, JD.com. Instead of adopting its own digital coin or CBDC, El Salvador last year, meaning the established cryptocurrency must be accepted as a form of payment throughout the country. Soon after, Panama followed in El Salvador's footsteps and to make bitcoin legal tender. The US is now the next country entering the fold with the release of the Fed report, opening the gates for debate over the digital dollar. Get the CNET Now newsletter Spice up your small talk with the latest tech news, products and reviews. If you loved this post and you would want to receive more information about [https://bettop888.com/online-football แทงบอลออนไลน์] kindly visit the page. Delivered on weekdays.

利用者:BarryPinkham98

2025-07-04T04:46:42Z

BarryPinkham98:

I am Otilia from Middelburg. I am learning to play the Euphonium. Other hobbies are Woodworking. Check out my blog: [https://bettop888.com/online-football แทงบอลออนไลน์]

Tales Of The Walking Dead On-set Accident Being Investigated By OSHA

2025-06-17T21:42:02Z

BarryPinkham98:

An accident that allegedly took place Monday on the set of Tales Of The Walking Dead in Atlanta, Georgia is currently under investigation. A female crew member reportedly tumbled off the top deck of a riverboat being used for the shoot - the same one that doubles as as the casino boat on the show Ozark. The crew member is said to have plunged into Stone Mountain Lake, hitting a lower de Share this article Share The crew member, who is said to have recently had an operation, has not been publicly identified by OSHA, IATSE or the production company, nor has any information about her present condition been released. A US Labor Department spokesperson said: 'OSHA initiated an investigation into this incident, and therefore we are unable to share anything further at this time.' The vessel: A woman in the crew reportedly tumbled off the top deck of a riverboat being used for the shoot - the same one that doubles as the casino boat on Ozark (pictured) Location: The crew member is said to have plunged into Stone Mountain Lake (pictured), hitting a lower deck railing on her way down, according to Deadline Tales Of The Walking Dead is an upcoming anthology series spun off from the smash hit zombie show The Walking Dead. The alleged Tales Of T DM. If you have any thoughts pertaining to exactly where and how to use [https://bettop88.com/online-football แทงบอลออนไลน์], you can get hold of us at the web page. later('bundle', function() DM.has('external-source-links', 'externalLinkTracker'); );

Star Boss Denies apos;advocating apos; For Casino

2025-06-10T10:19:31Z

BarryPinkham98:

The boss of Star Entertainment's financial crime unit has been accused of acting as an advocate for the beleaguered gambling giant, at an inquiry examining its fitness to hold a Sydney casino licence. The NSW Independent Liquor & Gaming Authority inquiry into The Star Sydney has so far prompted the resignation of Star CEO Matt Bekier, and sparked calls for a similar inquiry into the ASX-listed company's two Queensland casinos. On Friday, evidence continued from Star general manager of financial crime and investigations Kevin Houlihan - a former police officer in charge of preventing financial crime inside the the gaming company's Sydney operations.. Mr Houlihan was quizzed over what he knew of internal 2015 concerns high roller Phillip Dong Fang Lee was taking gaming plaques home, "spat his dummy" at staff, used proxy players, and swiped his China Union Pay debit card "just to get cash". "Despite the fact that you were the investigations manager, the general manager of VIP credit and collections never made this concern known to you?' Ms Sharp asked. "I don't ever recall ... being made aware," Mr Houlihan said. Ms Sharp put to the witness: "Are you trying to be objective and truthful in your evidence to this review or are you acting as an advocate for Star Entertainment?" "I'm trying to respond ... as effectively and honestly as I can," he said. The inquiry was told Mr Lee turned over $2.27 billion at the casino from 2007 to 2021, losing a net $57 million, and withdrew almost $100 million via a CUP card. It was told the high roller as given a "medium risk" rating, but internal casino records did not reveal if his risk ratings were assessed or reviewed. Shown minutes from an internal casino meeting in 2015, Mr Houlihan conceded the phrase "KH to investigate" was a reference to him, but claimed the wrong words had been used and said he never launched an probe into the gambler. The inquiry has previously been told the casino allowed VIPs to use CUP cards to purchase gambling chips at the venue, despite knowing that was in breach of rules from China Union Pay, and then disguised the transactions as hotel charges. Casino management held personal concerns about the use of a CUP card by Mr Lee - a Chinese-born Australian property developer - being linked to potential money laundering, evidence has shown. Also on Friday, Mr Houlihan denied that he "consistently buried" bad news about Alvin Chau, the backer of Macau-based junket operator Suncity, which had an exclusive deal over controversial private gaming room Salon 95, inside The Star. The decision was made to stop Suncity's operations at The Star following the arrest of Mr Chau in November. Ms Sharp accused the witness of participating in creating a chain of documents that did not provide a fair view of the information he knew about Mr Chau's probity so that what would be available to auditors was an "anodyne" report. "No," Mr Houlihan replied. The witness was also queried by Adam Bell SC, who is helming the inquiry, about his attitude to dealing with patrons with Triad links in their past. "That's not a concern to you? If you have almost any concerns with regards to wherever along with the way to work with [https://bettop88.com/online-football แทงบอลออนไลน์], you possibly can call us from our web-site. " Mr Bell asked. "It's a consideration, it's not a concern," the witness said. The inquiry was sparked by reports accusing Star of enabling suspected money laundering, organised crime, fraud and foreign interference at its gaming facilities, including The Star Sydney.

利用者:BarryPinkham98

2025-06-10T10:18:19Z

BarryPinkham98: ページの作成:「I'm Barry (21) from L'ha?-Les-Roses, France. I'm learning Norwegian literature at a local university and I'm just about to graduate. I have a part time job in a th…」

I'm Barry (21) from L'ha?-Les-Roses, France. I'm learning Norwegian literature at a local university and I'm just about to graduate. I have a part time job in a the office. my web blog - [https://bettop88.com/online-football แทงบอลออนไลน์]