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来源类型 | kurzum |
The currency of the future? | |
其他题名 | An evaluation of Facebook’s Libra |
Jason Chumtong | |
发表日期 | 2020-01-13 |
出版年 | 2020 |
概述 | The perception of crypto currencies as a shady payment method for criminal businesses appears to fade away. At least this is what Facebook must be speculating on. Last summer the social media company announced the development of a cryptocurrency, set to release in 2020. Its name is Libra and considering the 2 billion active Facebook users, Libra could transform Facebook into a serious actor within the international finance sector overnight. |
摘要 | What it is and what it doesFacebook describes Libra as an addition to national currencies.(1) Similar to PayPal, users can send the currency like text messages via their smartphones or computers to other users all over the world without transaction fees and within seconds. In order to pay with Libra a digital wallet is required. It is currently under development by Facebook’s subsidiary company Calibra.(2) The wallet serves as a tool to manage one’s deposit and execute transactions, similar to a bank account. It is planned to release as a standalone application as well as an additional service implemented into the mobile versions of the Facebook Messenger and WhatsApp. The currency exchange between national currencies and Libra is possible through the digital wallet or with prepaid cards. With the latter, the business model of Libra aims at integrating customers without a Facebook profile and people who do not have a bank account. Libra is thought to gradually develop itself into a global payment infrastructure that specifically targets regions where financially weak populations have difficult access to financial services.(3) By attracting the people, who are systematically excluded from the financial sector Facebook attacks the established banking system. Although the registration for Calibra requires the user’s personal identity card, transactions with Libra are anonymous and users can have multiple addresses without any link to their own identity. This lack of transparency may be attractive to some individuals, but institutionally it bares many potential risks.
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主题 | Europäische und Internationale Politik ; Wissenschaft, Forschung und Technologie ; Digitalisierung |
URL | https://www.kas.de/en/kurzum/detail/-/content/the-currency-of-the-future |
来源智库 | Konrad Adenauer Foundation (Germany) |
资源类型 | 智库出版物 |
条目标识符 | http://119.78.100.153/handle/2XGU8XDN/453757 |
推荐引用方式 GB/T 7714 | Jason Chumtong. The currency of the future?. 2020. |
条目包含的文件 | ||||||
文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
No58 Libra.png(32KB) | 智库出版物 | 限制开放 | CC BY-NC-SA | ![]() 浏览 | ||
No58 Libra.pdf(231KB) | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 |
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