美联储理事会：随着支付数字化私人货币和中央银行货币CBDCs更新（英文版）（12页）.pdf

1、For release on delivery 9:00 a.m. EDT May 24, 2021 Private Money and Central Bank Money as Payments Go Digital: an Update on CBDCs Remarks by Lael Brainard Member Board of Governors of the Federal Reserve System at the Consensus by CoinDesk 2021 Conference Washington, D.C. (via webcast) May 24, 2021

2、 Technology is driving dramatic change in the U.S. payments system, which is a vital infrastructure that touches everyone.1 The pandemic accelerated the migration to contactless transactions and highlighted the importance of access to safe, timely, and low-cost payments for all. With technology plat

3、forms introducing digital private money into the U.S. payments system, and foreign authorities exploring the potential for central bank digital currencies (CBDCs) in cross-border payments, the Federal Reserve is stepping up its research and public engagement on CBDCs. As Chair Powell discussed last

4、week, an important early step on public engagement is a plan to publish a discussion paper this summer to lay out the Federal Reserve Boards current thinking on digital payments, with a particular focus on the benefits and risks associated with CBDC in the U.S. context.2 Sharpening the Focus on CBDC

5、s Four developmentsthe growing role of digital private money, the migration to digital payments, plans for the use of foreign CBDCs in cross-border payments, and concerns about financial exclusionare sharpening the focus on CBDCs. First, some technology platforms are developing stablecoins for use i

6、n payments networks.3 A stablecoin is a type of digital asset whose value is tied in some way to traditional stores of value, such as government-issued, or fiat, currencies or gold. Stablecoins vary widely in the assets they are linked to, the ability of users to redeem the stablecoin claims for the