현지 보도에 따르면 MUFG은행과 미쓰이스미토모은행이 기타 14개 은행과 함께 기존 암호화폐의 성장과 인기를 위협할 수 있는 새 암호화폐 개발을 통제할 프날리티인터내셔널(Fnality International)에 6300만달러(약 744억원)를 투자하기로 했다. UBS, 크레디트스위스, 스테이트스트리트 등도 투자에 참여했다.
일본 경제지인 ‘닛케이 아시안 리뷰’는 “런던에 설립될 프날리티는 투자 참여 은행들에 계좌를 개설하고, 유틸리티결제코인(USC, Utility Settlement Coin)란 새 암호화폐를 발행한다”면서 “USC는 명목화폐에 고정된 스테이블코인(stablecoin)처럼 운영된다”라고 말했다.
프날리티는 고객이 국제 송금을 요청하면 중앙은행에 돈을 보내주고, 돈을 받은 중앙은행은 USC를 발행해서 그것을 다시 수신자가 있는 나라 중앙은행에 보내어 현지 화폐로 교환해 외환시장의 변동성을 피해갈 수 있게 해준다.
‘닛케이 아시안 리뷰’는 “이 시스템이 처음에는 미국 달러, 유로, 파운드, 엔, 캐나다달러로 운영되고, 2020년에 가동할 것”이라고 덧붙였다.
은행들이 보증하기 때문에 USC는 현재 통용되고 있는 암호화폐가 자주 겪는 변동성 위험을 피할 수 있다. 다만 다른 암호화폐와 달리 사용자가 아닌 은행의 중앙집중화된 통제를 받으며 발행된다. 정부가 송금액을 제한하고, 송금 서비스에 수수료가 부과될 가능성도 있다.
샌프란시스코에 소재한 리플(Ripple)은 이미 이와 유사한 시스템을 갖춰놓고 있다. 금융분야에서 100곳이 넘는 파트너를 확보해놓은 리플은 국가 간 송금 분야에서 업계 선도적 위치를 점하고 있다. 프날리티의 설립은 국가가 통제하는 중앙은행들이 여전히 전 세계 자금 흐름을 철저히 통제하겠다는 것을 보여주는 신호로 볼 수도 있다.
반면에 암호화폐는 동료 간(P2P) 거래, 탈집중화, 그리고 이론상 ‘불가역적’(immutable)을 특징으로 한다는 점에서 은행 시스템과 완전히 구별된다. 최근 몇 년 동안 대표적 암호화폐인 비트코인의 인기가 높아진 이유도 은행이 아닌 본인이 직접 돈을 통제하길 원하는 사람이 많기 때문으로 볼 수 있다.
비트코인 옹호론자인 앤서니 폼플리아노(Anthony Pompliano) 모간크릭디지털에셋(Morgan Creek Digital Assets) 공동설립자 겸 파트너는 “은행들이 USC라는 자신들만의 비트코인을 만들려고 한다. 14개 은행이 6300만 달러를 투자해서 4년 동안 개발하겠다는데, 아무 소용없다. 그저 충격적일 뿐이다. 비트코인을 사고, 은행들을 떠나라!”라며 프날리티에 대해 시큰둥한 반응을 보였다. (루크 톰슨 기자)
Hi, Neat post. There’s a problem with your site in internet explorer, would check this… IE still is the market leader and a large portion of people will miss your fantastic writing due to this problem.
Great blog! Is your theme custom made or did you download it from somewhere? A theme like yours with a few simple tweeks would really make my blog shine. Please let me know where you got your theme. Thanks a lot
You actually make it seem so easy with your presentation but I to find this matter to be really something that I believe I might never understand. It kind of feels too complicated and very huge for me. I am taking a look forward to your next put up, I will try to get the cling of it!
We’re a group of volunteers and starting a new scheme in our community. Your site offered us with valuable info to work on. You’ve done an impressive activity and our entire group can be grateful to you.
A formidable share, I simply given this onto a colleague who was doing slightly evaluation on this. And he the truth is bought me breakfast because I found it for him.. smile. So let me reword that: Thnx for the treat! However yeah Thnkx for spending the time to discuss this, I really feel strongly about it and love studying more on this topic. If attainable, as you develop into experience, would you thoughts updating your blog with more details? It’s highly useful for me. Large thumb up for this blog submit!
This really answered my problem, thank you!
Good write-up, I am normal visitor of one¦s website, maintain up the excellent operate, and It is going to be a regular visitor for a lengthy time.
hello!,I like your writing so much! share we communicate more about your post on AOL? I require an expert on this area to solve my problem. May be that’s you! Looking forward to see you.
Keep working ,remarkable job!
Hey I am so grateful I found your blog, I really found you by error, while I was browsing on Aol for something else, Regardless I am here now and would just like to say cheers for a remarkable post and a all round entertaining blog (I also love the theme/design), I don’t have time to read through it all at the minute but I have bookmarked it and also added in your RSS feeds, so when I have time I will be back to read more, Please do keep up the great job.
I would like to convey my gratitude for your generosity in support of women who require guidance on in this niche. Your real dedication to passing the message all through had been quite advantageous and have frequently permitted somebody just like me to reach their dreams. This useful help and advice indicates a great deal a person like me and substantially more to my mates. Warm regards; from each one of us.
I love the efforts you have put in this, regards for all the great articles.
Appreciate it for helping out, fantastic info. “You must do the things you think you cannot do.” by Eleanor Roosevelt.
Thank you, I’ve just been searching for info approximately this topic for a long time and yours is the best I have found out till now. But, what in regards to the bottom line? Are you certain about the supply?
Excellent weblog right here! Also your website quite a bit up very fast! What host are you using? Can I am getting your associate link to your host? I want my web site loaded up as fast as yours lol
Hi, Neat post. There’s a problem with your site in internet explorer, would check this… IE still is the market leader and a huge portion of people will miss your magnificent writing due to this problem.
Thank you for the good writeup. It in fact used to be a leisure account it. Glance complex to far added agreeable from you! By the way, how can we be in contact?
I’m no longer certain where you’re getting your info, however great topic. I needs to spend a while learning more or working out more. Thank you for wonderful information I used to be looking for this info for my mission.
What¦s Taking place i am new to this, I stumbled upon this I have found It positively useful and it has aided me out loads. I am hoping to contribute & assist different customers like its helped me. Great job.
The next time I learn a weblog, I hope that it doesnt disappoint me as a lot as this one. I imply, I know it was my option to read, however I really thought youd have one thing attention-grabbing to say. All I hear is a bunch of whining about one thing that you could possibly fix for those who werent too busy searching for attention.