Do VirtuelleWährungen like bitcoin eventually replace classic currencies? The Direktorindes International Monetary Fund (IMF), Christine Lagarde, climate for possible. At a conference of Bank of England in Londonsagte Lagarde that virtual currencies could replace national currencies over next 20 years.
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Thus, Seienvirtuelle currencies currently do not have alternative fürklassische currencies, because y are too “volatile, too risky, cumbersome” and underlying technologies are not mature. In long term, however, this could change: Crypto could become a separate unit of account with its own payment methods, according to Lagarde. “They allow direct transactions without ZentraleVerrechnungsstelle, without central banks,” said Lagarde, who has been IMF’s chief since 2011.
The IMF Direktorinzufolge could have just benefited countries with fluctuating currencies of undschwachen institutions by not aligning ir own currency with dollar exchange rate, but by Einervirtuellen currency unit. One day, crypto could be “easier and safer” than physical money units.
In long term Könntensie can also prove to be more stable. “The output could be gänzlichtransparent and controlled by a pre-defined glaubwürdigenRegel; From an algorithm that could controlled steadily, “said Lagarde. Even a “smart rule”, DieÄnderung macroeconomic circumstances, could be linked to Andie’s stability of such currencies.
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According to Lagarde, Esgerade has a need for new payment methods in countries where a decentralized “shared economy” exists. DieseWirtschaften based on direct payments between individuals. These would be carried out often and on or oftüber boundaries without großeGeldsummen flowing.
“Take four euros for Hinweiseeines gardeners from New Zealand or money for a ProfessionelleÜbersetzung of a Japanese poem […] These payments könnenheute be done with credit cards and e-money methods. ” However, fees are very high given small amounts, especially when y are foreign transfers. Crypto would be more practical for this.
The currently best known virtual currency is Bitcoin. He was founded 2008 by a man with pseudonym Satoshi Nakamoto. There are no notes or coins in bitcoin, only digital, encrypted data blocks that take a certain financial real worth. The bitcoin is considered to be particularly stable, because in foundation circulation quantity was fixed at an upper limit of 21 million.
Technological developments not Sleepy
Lagarde Verglichvirtuelle currencies with Internet and warned against not oversleeping technological developments. “Not too long ago, experts claimed that personal computers would not be enduring, and that tablets would only be considered expensive Kaffeetablettsgenutzt.” Therefore, it is not farsighted to reject virtual currency in advance, says Lagarde.
In your speech, “central Banking and Fintech – a brave new world?” Is overwritten, Lagarde raises question of how new FinanzielleTechnologien central Bank activities will be Generationverändern in next. In addition to Crypto, Lagarde calls Auchkünstliche intelligence and new models of financial mediation AlsHerausforderungen, which verändernwerden financial sector sustainably.
