JPMorgan iraburira ko 'sisitemu ya banki ibangikanye' igaragara - kandi irashobora gushyira miriyari mu kubitsa mu kaga

Impamvu ubucuruzi bugomba kwitaho nonaha

Ntabwo ari impaka gusa kubashinzwe kuyobora n'abayobozi ba Wall Street. Niba ukora ubucuruzi - waba uri umwidegemvyo ucunga inyemezabuguzi, urunigi rwogutunganya ibicuruzwa ibihumbi, cyangwa ikigo cya serivisi gikoresha umushahara kubakozi mirongo itanu - ituze rya sisitemu ya banki igira ingaruka mubikorwa byawe. Isoko rikomeye ryinguzanyo risobanura kubona inguzanyo. Guhagarika inzira yo kwishyura bisobanura gutuza buhoro. Niba kandi stabilcoin wemeye nkuko ubwishyu butakaza urumogi, ufashe igihombo.

Ingaruka zifatika zigera kure. Abatunganya ubwishyu bagenda bahuza amahitamo ya stabilcoin. Ubucuruzi bwambukiranya imipaka bukoresha ibiceri kugira ngo wirengagize amafaranga yo kohereza insinga zihenze, ubusanzwe ikoresha $ 25-50 kuri buri gikorwa. Bamwe mubacuruzi naba rwiyemezamirimo barasaba kwishyurwa muri stabilcoine. Buri kimwe muri ibyo bice byerekana icyemezo: ni bangahe guhura n’ibikoresho by’imari bitemewe byemewe mu bucuruzi bwawe?

Iyi niyo mpamvu rwose kuba ufite guhuza ibikorwa mubikorwa byimari yawe kuruta mbere hose. Ubucuruzi bukoresha ibikoresho byacitsemo ibice - porogaramu imwe yo gutanga inyemezabuguzi, indi yo guhemba umushahara, urupapuro rwabigenewe rwo gukurikirana amafaranga - ntishobora gusuzuma mu buryo bworoshye ingaruka zose bahuye nazo. Amahuriro nka Mewayz ahuza inyemezabuguzi, ubwishyu, CRM, hamwe n’isesengura ry’imari mu kibaho kimwe biha ba nyir'ubucuruzi ubushobozi bwo kureba neza aho amafaranga atemba no gufata ibyemezo bisobanutse bijyanye n'inzira zo kwishyura n’ububanyi n’amabanki.

Vacuum Igenga nicyo gishobora kuzuza

Kongere imaze imyaka myinshi izenguruka amategeko ya stabilcoin nta kugwa. Itegeko risobanutse ryo kwishyura Stablecoins hamwe nibyifuzo bisa byanyuze muri komite ariko bihagarara inshuro nyinshi. Hagati aho, Umuryango w’ubumwe bw’ibihugu by’Uburayi wateye imbere n’amasoko yawo mu mabwiriza ya Crypto-Assets (MiCA), watangiye gukurikizwa mu 2024 kandi ashyiraho ibisabwa kugira ngo abike kandi ashyireho amategeko agenga ibicuruzwa bitanga ibicuruzwa bikorera mu Burayi.

Ikinyuranyo cyateganijwe muri Amerika gitera ibidukikije bidasanzwe. Ubucuruzi bwabanyamerika buhura namategeko yo murwego rwa leta nubuyobozi bwa leta budatwara imbaraga zamategeko. Bamwe mubatanze stabilcoin batangaza buri kwezi ibyemezo byububiko bwabo - Uruziga, nkurugero, rutangaza ko USDC ishyigikiye binyuze mu isuzuma ry’abandi bantu - ariko ibyo ni ugutanga ku bushake, ntabwo bisabwa n'amategeko. Hano nta kizamini gisanzwe gihari, nta byuma bisabwa byemewe, kandi nta buryo bwo gutondeka umuyaga uhuha niba uwabitanze ananiwe.

Kubucuruzi bukorera ku rwego mpuzamahanga, uku gucamo ibice kongeramo urundi rwego rugoye. Isosiyete ikoresha ibiceri byishyurwa byambukiranya imipaka kubatanga ibicuruzwa byu Burayi bizakenera kugendana ibisabwa na MiCA ndetse nuburyo bwose Amerika yaje kuvamo. Kuguma kuri gahunda mubidukikije byinshi bisaba sisitemu zishobora gukurikirana, gutondekanya, no gutanga raporo kubikorwa byubukungu neza - ubushobozi bugorana kubungabunga nkibipimo byibikorwa.

Ibyo Ubucuruzi Bwubwenge Bikora Gutegura

Ibigo bitekereza imbere ntibitegereje ko abagenzuzi babikemura. Barafata ingamba zifatika zo gucunga ibyago mugihe bakomeje gufungura inyungu zikoranabuhanga tekinoloji ishobora gutanga. Ingamba zifatika cyane zisangiye umugozi umwe: kugaragara, gutandukana, na disipuline ikora.

• • Gutandukanya umubano wamabanki: Kubungabunga konti mubigo byinshi byishingiwe na FDIC kugirango ubwishingizi bwubwishingizi bugabanuke kandi bigabanye ingaruka ziterwa.
  • Gushimangira raporo y’imari: Gushyira mu bikorwa sisitemu zitanga igihe nyacyo cyo kugaragara mu mwanya w’amafaranga kuri konti zose n’ibikoresho byose, aho gushingira ku bwiyunge bw’ukwezi kurangiye.
  • Gukurikirana iterambere ryigenga: Kugenera umuntu - yaba umujyanama wimbere, CFO, cyangwa umujyanama - gukurikirana amategeko ya stabilcoin no gusuzuma ingaruka zikorwa uko amategeko agenda ahinduka.

  Ibikoresho bihuza ibikorwa byimari muburyo bumwe bituma izi ngamba zikorwa cyane. Iyo inyemezabuguzi yawe, gukurikirana amafaranga, umushahara, hamwe nisesengura byose bigaburira muri sisitemu imwe - nkuko babikora muri OS ya 207-yubucuruzi ya Mewayz - kubona ibintu bidasanzwe no gucunga ibyago biba ikibazo cyo kugenzura ikibaho aho guhuza ibice bitanu bitandukanye.

  Amahirwe Yihishe Imbere Ihungabana

  Byaba ari amakosa gushiraho ibi byose nkiterabwoba. Stablecoins irahari kubera ko amabanki gakondo afite ibitagenda neza - igihe cyo gutuza gahoro, amafaranga menshi yambukiranya imipaka, amasaha make yo gukora, hamwe no gukuramo abantu bagera kuri miliyari 1.4 bakuze ku isi bakomeza kuba banki. Ikoranabuhanga ubwaryo rirashobora gukemura ibibazo nyabyo. Ikibazo ni ukubaka izamu mbere yuko sisitemu ikura nini cyane kugirango itabisubiramo.

  Ubucuruzi bwumva ingaruka zose n'amahirwe bizaba bihagaze neza. Umuntu wigenga i Lagos yakira ubwishyu kumukiriya i Londres abinyujije muri USDC akemura muminota mike aho kuba iminsi kandi akirinda amadorari 40 yishyurwa ryinsinga. Isosiyete ya SaaS yemera kwishura stabilcoin irashobora guha abakiriya guhinduka mugihe bagabanya ingaruka zo kwishyura. Izi ninyungu nyazo - ariko gusa niba ibikoresho byihishe bikomeje guhagarara neza kandi ubucuruzi bufite sisitemu zo gucunga imurikagurisha.

  Ibigo bitera imbere mugihe cyinzibacyuho mubisanzwe bifite ibigaragara neza mubikorwa. Bazi umubare wabo mugihe nyacyo. Bashobora kwerekana ibintu - bigenda bite iyo stabilcoin X itakaje urumogi, niba umufatanyabikorwa wa banki akomeje inguzanyo, niba amabwiriza mashya ahindura uburyo bwo kwishyura. Ubu bwoko bwihuta ntabwo buturuka kubikorwa byintwari kugiti cye; biva mu kugira ibikorwa remezo bikwiye mbere yuko ihungabana rigera.

  Aho Ibi Bituruka Hano

  Umuburo wa JPMorgan ntugomba kumvikana nkubuhanuzi bwo gusenyuka, ahubwo ni indorerezi. Sisitemu yimari iratandukana. Amabanki agengwa kuruhande rumwe, urusobe rwibinyabuzima bigenda byiyongera kuri serivise yimari ishingiye kuri stabilcoin kurundi ruhande. Byombi birashoboka ko bizabana imyaka, wenda burundu, imipaka hagati yabo igenda ihinduka uko amabwiriza, ikoranabuhanga, nimbaraga zamasoko bikorana.

  Kubafite ubucuruzi, gufata ibyemezo biroroshye: kubaka ibikorwa remezo biguha ibisobanuro utitaye ku cyerekezo sisitemu yimari igenda. Menya aho amafaranga yawe ari. Menya ibyishingiwe nibitari byo. Menya ibyo uhura na mugenzi wawe uwo ari we wese, yaba iyo banki, umutunganya ubwishyu, cyangwa uwatanze stabilcoin. Kandi ushore imari muri sisitemu - yaba Mewayz cyangwa urundi rubuga - ituma iyi visibilitike yikora aho kuba intoki.

  Sisitemu ya banki ibangikanye ntabwo ije. Bimaze hano. Ikibazo gusa nukumenya niba ubucuruzi bwawe bwashyizweho kugirango buyobore ufite ikizere cyangwa niba uzavumbura ingaruka mugihe bitinze kubicunga. Mu rwego rw’imari igabanyijemo kabiri, ubucuruzi bushyira hamwe ibikorwa byabwo, bugakomeza kugaragara neza mu bijyanye n’imari, kandi bugakomeza guhuza n'imiterere ni bwo buzaba buhagaze igihe umukungugu uzaba.

  Ibibazo bikunze kubazwa

  "sisitemu ya banki ibangikanye" JPMorgan iraburira ni iki?

  CFM ya JPMorgan, Jeremy Barnum, yashyize ahagaragara iterambere ryihuta ry’ibiceri - ibimenyetso bya digitale byinjira mu ifaranga rya fiat - nka sisitemu ya banki igaragara. Hamwe nisoko rya stabilcoin irenga miliyari 230 z'amadolari, ibi bikoresho bigenda bitanga ibintu bitanga inyungu byerekana ububiko bwa banki gakondo ariko bukorera hanze yubuyobozi bwashyizweho. Iri hinduka rishobora kwerekeza kuri trillioni yabikijwe kure ya banki zagenzuwe, bigatera impungenge zijyanye no guhungabana kwamafaranga no kurinda ababitsa.

  Nigute ibiceri bihamye bishobora gushyira kubitsa muri banki gakondo?

  Ibiceri bikurura ababitsa batanga umusaruro wapiganwa udafite amabwiriza agenga banki gakondo zitwara. Mugihe igishoro kinini cyinjira muri ibyo bikoresho bitagengwa na banki, banki zishobora guhura n’isohoka ryinshi ry’amafaranga, bikagabanya ubushobozi bw’inguzanyo kandi bigabanya umutekano w’imari wubatswe kuva Ihungabana rikomeye. Kubucuruzi bufite ububiko bwamafaranga menshi, gusobanukirwa aho kubitsa kwicara - nuburyo birinzwe - birahinduka icyemezo gikomeye cyamafaranga.

  Ni iki abashoramari bagomba gukora kugirango birinde ihungabana ry’amafaranga?

  Abashoramari bagomba gutandukanya ibikorwa remezo byimari kandi bagakomeza kugaragara neza hejuru yamafaranga, inyemezabuguzi, hamwe nuburyo bwo kwishyura. Ihuriro nka Mewayz ritanga OS yubucuruzi ya module 207 itangirira ku $ 19 / mo ihuza ibikorwa byimari, CRM, hamwe nogukora - guha ubucuruzi imbaraga zikenewe kugirango zihuze vuba nkuko imiterere ya banki ihinduka munsi yinzego gakondo.

  Abagenzuzi bazagira icyo bakora kugirango bakemure ingaruka ziterwa n’ibiceri?

  Igikorwa cyo kugenzura kirateganijwe cyane ariko gikomeza kutamenyekana mubipimo nigihe. Abadepite barimo impaka ku buryo bwatanga abashoramari ba stabilcoin kubigega bisa na banki nibisabwa. Kugeza igihe hashyizweho amabwiriza asobanutse, ubucuruzi buhura nidirishya ridashidikanywaho. Kugumya kumenyesha no gukoresha ibikoresho byubuyobozi bikomatanyije nka Mewayz bifasha kwemeza ko ibikorwa byawe bikomeza kugenda neza utitaye ku cyerekezo cyamasoko amaherezo afata.