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)
I am extremely inspired together with your writing talents and also with the structure in your weblog. Is that this a paid topic or did you customize it your self? Either way stay up the nice quality writing, it’s rare to look a nice blog like this one these days..
This actually answered my drawback, thanks!
Usually I don’t read post on blogs, but I would like to say that this write-up very forced me to check out and do it!
You made some decent points there. I looked on the internet for the subject and found most persons will approve with your site.
Outstanding post, you have pointed out some good points, I besides believe this s a very excellent website.
Its fantastic as your other posts : D, thanks for posting.
In the grand design of things you actually get an A for hard work. Exactly where you actually confused me ended up being in all the specifics. As it is said, the devil is in the details… And that couldn’t be much more correct here. Having said that, allow me say to you precisely what did do the job. The authoring is pretty powerful and this is possibly the reason why I am making an effort in order to comment. I do not make it a regular habit of doing that. Second, despite the fact that I can certainly see a leaps in reasoning you make, I am not necessarily certain of how you seem to unite your ideas which inturn produce the conclusion. For now I will, no doubt yield to your point but hope in the foreseeable future you connect the facts better.
You could certainly see your enthusiasm within the paintings you write. The world hopes for even more passionate writers like you who aren’t afraid to mention how they believe. All the time follow your heart.
I enjoy your piece of work, thanks for all the interesting articles.
I’m very happy to read this. This is the kind of manual that needs to be given and not the accidental misinformation that’s at the other blogs. Appreciate your sharing this best doc.
hey there and thank you for your info – I’ve definitely picked up anything new from right here. I did however expertise several technical issues using this website, since I experienced to reload the website a lot of times previous to I could get it to load correctly. I had been wondering if your web host is OK? Not that I am complaining, but sluggish loading instances times will sometimes affect your placement in google and can damage your quality score if ads and marketing with Adwords. Anyway I’m adding this RSS to my e-mail and can look out for much more of your respective fascinating content. Make sure you update this again soon..
Thanks a lot for the blog post. Cool.
I don’t normally comment but I gotta admit regards for the post on this perfect one : D.
Hello! I’ve been following your website for a while now and finally got the courage to go ahead and give you a shout out from Atascocita Tx! Just wanted to say keep up the excellent job!
Good – I should certainly pronounce, impressed with your site. I had no trouble navigating through all tabs as well as related information ended up being truly easy to do to access. I recently found what I hoped for before you know it at all. Quite unusual. Is likely to appreciate it for those who add forums or something, site theme . a tones way for your customer to communicate. Nice task..
. . . . .
Hello! I just would like to give a huge thumbs up for the great info you have here on this post. I will be coming back to your blog for more soon.
Wohh exactly what I was looking for, appreciate it for putting up.
Hello there! I know this is kinda off topic nevertheless I’d figured I’d ask. Would you be interested in trading links or maybe guest writing a blog article or vice-versa? My blog covers a lot of the same topics as yours and I feel we could greatly benefit from each other. If you happen to be interested feel free to shoot me an email. I look forward to hearing from you! Terrific blog by the way!
We’re a group of volunteers and opening a new scheme in our community. Your web site offered us with valuable info to work on. You have done an impressive job and our entire community will be thankful to you.