{"id":3378,"date":"2022-05-11T04:40:00","date_gmt":"2022-05-11T11:40:00","guid":{"rendered":"https:\/\/bitcoinwisdom.com\/?p=3378"},"modified":"2022-05-11T04:42:00","modified_gmt":"2022-05-11T11:42:00","slug":"sand-dollar-cbdc-could-foster-financial-inclusion-in-the-bahamas","status":"publish","type":"post","link":"https:\/\/bitcoinwisdom.com\/tr\/sand-dollar-cbdc-could-foster-financial-inclusion-in-the-bahamas\/","title":{"rendered":"Kum Dolar\u0131 CBDC Bahamalar&#039;da &#039;Finansal Kat\u0131l\u0131m\u0131 Destekleyebilir&#039;"},"content":{"rendered":"<p>Kum Dolar\u0131, Bahamalar taraf\u0131ndan geli\u015ftirilen bir merkez bankas\u0131 dijital para birimidir (CBDC). IMF, yeni bir rapora g\u00f6re Karayip \u00fclkesinde \u201cfinansal kat\u0131l\u0131m ve \u00f6deme sistemi esnekli\u011fini te\u015fvik etme\u201d potansiyeline sahip oldu\u011funa inan\u0131yor.&nbsp;<a href=\"https:\/\/www.imf.org\/en\/Publications\/CR\/Issues\/2022\/05\/06\/The-Bahamas-2022-Article-IV-Consultation-Press-Release-Staff-Report-and-Statement-by-the-517631\" rel=\"noreferrer noopener nofollow\" target=\"_blank\">bildiri<\/a>.<\/p>\n\n\n\n<p>Uluslararas\u0131 Para Fonu&#039;nun (IMF) Fintech Note serisi, Sand Dollar hakk\u0131nda giri\u015fimin avantaj ve dezavantajlar\u0131n\u0131 vurgulayan yeni bir ka\u011f\u0131t yay\u0131nlad\u0131.<\/p>\n\n\n\n<p>Rapora g\u00f6re, Kum Dolar\u0131 Bahamalar&#039;\u0131n 2025 y\u0131l\u0131na kadar \u201cnakitsiz bir toplum\u201d olma hedefine ula\u015fmas\u0131na yard\u0131mc\u0131 olabilir. Para birimi ayr\u0131ca havale maliyetlerini d\u00fc\u015f\u00fcrmeye ve finansal kat\u0131l\u0131m\u0131 art\u0131rmaya yard\u0131mc\u0131 olabilir.<\/p>\n\n\n\n<p>Ancak IMF, Kum Dolar\u0131&#039;n\u0131n baz\u0131 olumsuz sonu\u00e7lar\u0131 olabilece\u011fi konusunda da uyar\u0131yor. Bunlar, kara para aklama ve ter\u00f6r\u00fcn finansman\u0131 olas\u0131l\u0131\u011f\u0131n\u0131n yan\u0131 s\u0131ra para politikas\u0131ndaki zorluklar\u0131 i\u00e7erir.<\/p>\n\n\n\n<p>CBDC&#039;leri ara\u015ft\u0131ran tek \u00fclke Bahamalar de\u011fil. \u00c7in Halk Bankas\u0131&#039;n\u0131n yuan\u0131n dijital versiyonunu piyasaya s\u00fcrmeye yak\u0131n oldu\u011fu ve \u0130sve\u00e7 ve Bahamalar gibi di\u011fer \u00fclkelerin de benzer projeler \u00fczerinde \u00e7al\u0131\u015ft\u0131\u011f\u0131 bildiriliyor.<\/p>\n\n\n\n<p>CBDC&#039;nin Karayipler \u00fclkesinde benimsenmesini h\u0131zland\u0131rmak i\u00e7in IMF, Bahamalar Merkez Bankas\u0131&#039;n\u0131n e\u011fitim kampanyalar\u0131 yoluyla dijital para birimini tan\u0131tmas\u0131n\u0131 \u00f6nerdi. Para otoritesi ayr\u0131ca, Kum Dolar\u0131&#039;n\u0131 vergi veya fatura \u00f6demek gibi ba\u015fka ama\u00e7lar i\u00e7in kullanman\u0131n fizibilitesini de de\u011ferlendirmelidir.<\/p>\n\n\n\n<p>Buna ek olarak rapor, CBDC daha fazla kullan\u0131c\u0131ya aktar\u0131l\u0131rken merkez bankas\u0131n\u0131n siber g\u00fcvenlik ve di\u011fer alanlarda \u201cfinansal b\u00fct\u00fcnl\u00fc\u011f\u00fc korumak\u201d i\u00e7in kendi kapasitesini g\u00fc\u00e7lendirmesi gerekti\u011fini s\u00f6yledi.<\/p>\n\n\n\n<p>D\u00fczenlemeler a\u00e7\u0131s\u0131ndan rapor, IMF&#039;nin Bahamalar&#039;\u0131n dijital varl\u0131klar i\u00e7in daha geni\u015f anlamda &quot;sa\u011flam bir denetim ve d\u00fczenleyici \u00e7er\u00e7eve&quot; geli\u015ftirmesini &quot;\u00f6nemli&quot; olarak g\u00f6rd\u00fc\u011f\u00fcn\u00fc belirtti.<\/p>\n\n\n\n<p>Sand Dollar ba\u015flang\u0131\u00e7ta Ekim 2020&#039;de piyasaya s\u00fcr\u00fclecekti ancak pandemi nedeniyle ertelendi. O s\u0131rada Maliye Bakan\u0131 Peter Turnquest, dijital para biriminin Bahamalar i\u00e7in \u201cen d\u00f6n\u00fc\u015f\u00fcmsel projelerden biri\u201d olaca\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n\n\n\n<p>Mali eri\u015fim s\u00f6z konusu oldu\u011funda, IMF raporu Kum Dolar\u0131n\u0131n \u201c\u00f6nemli bir etkisi\u201d olabilece\u011fini belirtiyor. Cep telefonu tabanl\u0131 sistem, banka hesab\u0131 olmayan kullan\u0131c\u0131lar\u0131n de\u011fer depolamas\u0131na ve \u00f6deme yapmas\u0131na izin verecek. Ayr\u0131ca sistem, yurtd\u0131\u015f\u0131nda ya\u015fayan ve her y\u0131l \u00fclkeye yakla\u015f\u0131k $3 milyar havale yapan Bahamal\u0131lar i\u00e7in ge\u00e7erli olacakt\u0131r.<\/p>\n\n\n\n<p>Bahamalar \u0130cra Direkt\u00f6r\u00fc Philip Jennings, merkez bankas\u0131n\u0131n Sand Dollar&#039;\u0131 &quot;\u00f6deme sistemlerinin modernizasyonu ve esnekli\u011finin yan\u0131 s\u0131ra finansal kat\u0131l\u0131m i\u00e7in \u00f6nemli bir ara\u00e7&quot; olarak g\u00f6rd\u00fc\u011f\u00fcn\u00fc s\u00f6yledi.<\/p>\n\n\n\n<p>IMF ekibi, Sand Dollar&#039;\u0131n kendi CBDC&#039;lerini ba\u015flatmak isteyen di\u011fer \u00fclkeler i\u00e7in bir model olabilece\u011fine inan\u0131yor. Raporda, &quot;Bahamalar\u0131n deneyimi, CBDC yay\u0131nlamay\u0131 d\u00fc\u015f\u00fcnen di\u011fer \u00fclkeler i\u00e7in de\u011ferli dersler sa\u011flayabilir&quot; dedi.<\/p>\n\n\n\n<p>Proje hen\u00fcz erken a\u015famalar\u0131nda olsa da, Bahama merkez bankas\u0131 Kum Dolar\u0131&#039;n\u0131n eri\u015fimini geni\u015fletme planlar\u0131 \u00fczerinde \u00e7al\u0131\u015f\u0131yor. \u00d6zellikle, sistemi k\u00fc\u00e7\u00fck i\u015fletmeler ve t\u00fcccarlar i\u00e7in kullan\u0131labilir hale getirmenin yollar\u0131n\u0131 ara\u015ft\u0131r\u0131yor.<\/p>","protected":false},"excerpt":{"rendered":"<p>Kum Dolar\u0131, Bahamalar taraf\u0131ndan geli\u015ftirilen bir merkez bankas\u0131 dijital para birimidir (CBDC). IMF, yeni bir rapora g\u00f6re Karayip \u00fclkesinde \u201cfinansal kat\u0131l\u0131m ve \u00f6deme sistemi esnekli\u011fini te\u015fvik etme\u201d potansiyeline sahip oldu\u011funa inan\u0131yor. Uluslararas\u0131 Para Fonu&#039;nun (IMF) Fintech Note serisi, Kum Dolar\u0131 hakk\u0131nda yeni bir makale yay\u0131nlad\u0131 ve [\u2026]<\/p>","protected":false},"author":8,"featured_media":3379,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","_uag_custom_page_level_css":"","footnotes":""},"categories":[191,12],"tags":[172,340],"class_list":["post-3378","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-talk","category-news","tag-crypto","tag-sand-dollar"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/bitcoinwisdom.com\/wp-content\/uploads\/2022\/05\/sngimllezb8.jpg",1600,1200,false],"thumbnail":["https:\/\/bitcoinwisdom.com\/wp-content\/uploads\/2022\/05\/sngimllezb8-500x330.jpg",500,330,true],"medium":["https:\/\/bitcoinwisdom.com\/wp-content\/uploads\/2022\/05\/sngimllezb8-300x225.jpg",300,225,true],"medium_large":["https:\/\/bitcoinwisdom.com\/wp-content\/uploads\/2022\/05\/sngimllezb8-768x576.jpg",640,480,true],"large":["https:\/\/bitcoinwisdom.com\/wp-content\/uploads\/2022\/05\/sngimllezb8-1024x768.jpg",640,480,true],"1536x1536":["https:\/\/bitcoinwisdom.com\/wp-content\/uploads\/2022\/05\/sngimllezb8-1536x1152.jpg",1536,1152,true],"2048x2048":["https:\/\/bitcoinwisdom.com\/wp-content\/uploads\/2022\/05\/sngimllezb8.jpg",1600,1200,false],"trp-custom-language-flag":["https:\/\/bitcoinwisdom.com\/wp-content\/uploads\/2022\/05\/sngimllezb8.jpg",16,12,false]},"uagb_author_info":{"display_name":"Martin K","author_link":"https:\/\/bitcoinwisdom.com\/tr\/author\/martin\/"},"uagb_comment_info":0,"uagb_excerpt":"The Sand Dollar is a central bank digital currency (CBDC) developed by&nbsp;the Bahamas. The IMF believes that it has the potential to \u201cfoster financial inclusion and payment system resilience\u201d in the Caribbean nation according to a new&nbsp;report. The International Monetary Fund\u2019s (IMF)&nbsp;Fintech Note series has released a new paper on the Sand Dollar, highlighting the&hellip;","_links":{"self":[{"href":"https:\/\/bitcoinwisdom.com\/tr\/wp-json\/wp\/v2\/posts\/3378","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bitcoinwisdom.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bitcoinwisdom.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bitcoinwisdom.com\/tr\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/bitcoinwisdom.com\/tr\/wp-json\/wp\/v2\/comments?post=3378"}],"version-history":[{"count":0,"href":"https:\/\/bitcoinwisdom.com\/tr\/wp-json\/wp\/v2\/posts\/3378\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bitcoinwisdom.com\/tr\/wp-json\/wp\/v2\/media\/3379"}],"wp:attachment":[{"href":"https:\/\/bitcoinwisdom.com\/tr\/wp-json\/wp\/v2\/media?parent=3378"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bitcoinwisdom.com\/tr\/wp-json\/wp\/v2\/categories?post=3378"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bitcoinwisdom.com\/tr\/wp-json\/wp\/v2\/tags?post=3378"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}