Cibiyar Manufofin Bitcoin (BPI) ta fitar da wata sabuwar shawara ta manufa ga Amurka da nufin kafa "ikon sarrafa kudin dawo." An buga shawara ranar Laraba, tana bayyana muhimman fannoni biyar na manufofi kuma tana bin Dokar GENIUS da aka kafa kwanan nan.
BPI ta bayar da hujjar cewa, kudaden dawo masu tsari na iya taimaka wa Amurka ta kula da kasuwannin dala na ketare, rage hadarin tsarin tattalin arziki, da kuma hamayya da shirye-shiryen kudin dijital na China. Cibiyar ta bayyana yadda bankunan ketare a halin yanzu ke samar da bashi mai darajar dala, cin riba daga tsaka-tsaki, da dogaro da Babban Bankin Amurka (Federal Reserve) a matsayin mai ba da tallafi a lokacin matsalolin kudi - wani tsari da BPI ke kallon rauni ga tattalin arzikin Amurka.
A karkashin Dokar GENIUS, wadda ta zama doka a watan Yuli na shekara ta 2025, masu fitar da kudaden dawo dole ne su rike kashi 100% na ajiyar kudi a cikin kayan aiki kamar takardun bashi na gwamnati (Treasury bills), dawo da bashi na gwamnati (Treasury repos), ko ajiyar kudi masu inshora, kuma an hana su ba da bashi a kan wadannan ajiyar kudi. BPI ta bayyana cewa, lokacin da hukumomin kasashen waje suka rike kudaden dawo masu bin ka'ida maimakon ajiyar kudin Eurodollar, takardun bashi na gwamnati masu dacewa za su ci gaba da kasancewa a cikin lissafin kudi na hukumomin da Amurka ta tsara, wanda ke iyakance ikon tsarin ketare na ninka bashi. Wannan yana sa ajiyar kudi ta kasance "a gida," yana rage abin da BPI ke kira bangaren rauni na waje na Matsalar Triffin.
BPI ta kuma danganta kudaden dawo da faffadan gasa a cikin kadarorin dijital, inda ta lura da ribar kudin yuan na dijital na China da tsarin biyan kuɗi na ketare na yau da kullun, da kuma tsarin MiCA na Turai don kudaden dawo masu darajar Yuro. BPI ta yi gargadin cewa, waɗannan ci gaban suna raunana tasirin Amurka akan "dogaro" na kuɗi inda kuɗi ke motsawa - wani muhimmin yanki don kiyaye rinjayen dala.
A martani, BPI ta ba da shawarar tsari mai sassa biyar don ciyar da ikon sarrafa kudin dawo:
1. **Ƙarfafa aiwatar da Dokar GENIUS** ta hanyar ƙirƙirar tsarin tallafi, kamar layukan dawo da bashi tare da manyan dillalai da samun dama zuwa Cibiyar Dawo da Bashi ta Babban Bankin Amurka (Federal Reserve Standing Repo Facility), don sanya kudaden dawo masu bin ka'ida su zama masu jan hankali fiye da madadin ketare.
2. **Inganta kudaden dawo a cikin sulhun kasuwancin ƙasashen waje** maimakon ajiyar kudin Eurodollar, da nufin dawo da buƙatar takardun bashi na gwamnati a cikin ƙasa da kuma kawar da mai ninka bashi na ketare.
3. **Gabatar da kuɗi da lada** don taimakawa kudaden dawo masu tsari su yi gasa da ajiyar kudin Eurodollar mai riba da kudin yuan na dijital na China, yayin bin haramcin riba na Dokar GENIUS.
4. **Magance haɗarin DeFi** ta hanyar aiwatar da ƙuntatawa a matakin kwangilar wayo da "wuraren matsewa" na tilastawa don hana ƙa'idodin da ba a tsara su ba daga yin kwafi na mai ninka Eurodollar akan hanyoyin sadarwar blockchain.
5. **Kiyaye ikon mallakar kuɗin waje** ta hanyar tallafawa tsarin kuɗi na gida tare da amfani da kudaden dawo.
Cibiyar ta tsara wannan a matsayin hanyar tabbatar da haɗin kai na kudin dawo yana inganta ci gaban tattalin arziki na gama-gari, ba tilastawar kuɗi ba. Ta yi imanin cewa za a iya cimma waɗannan manufofin ba tare da fitar da ƙarin bashi ga gwamnatocin ƙasashen waje ba ko faɗaɗa lissafin kuɗi na Babban Bankin Amurka.
Tambayoyin da ake yawan yi
Tabbas Ga jerin tambayoyin da ake yawan yi game da dabarun Cibiyar Manufofin Bitcoin don jagorancin kudin dawo na Amurka, wanda aka tsara don zama bayyananne kuma mai sauƙin isa
Tambayoyin Ma'anar Masu Farawa
1 Menene kudin dawo
Kudin dawo wani nau'in kudin crypto ne da aka tsara don samun kimar da ta tsaya tsayin daka kusan koyaushe ana danganta shi 1 zuwa 1 ga kudin gargajiya kamar dalar Amurka Wannan yana sa ya zama mai amfani don biyan kuɗi na dijital da canja wuri ba tare da matsanancin saurin canjin farashi da ake gani a cikin kadarori kamar Bitcoin ba
2 Menene Cibiyar Manufofin Bitcoin
Cibiyar Manufofin Bitcoin cibiyar bincike ce mai zaman kanta da ke mai da hankali kan bincike da bayar da shawarwari ga manufofin jama'a waɗanda ke tallafawa Bitcoin da kuma faɗaɗan yanayin kadarorin dijital a Amurka
3 Menene babbar manufar wannan dabarun
Babbar manufa ita ce Amurka ta zama jagorar duniya wajen haɓaka, tsarawa, da amfani da kudaden dawo, tare da tabbatar da cewa dolar ya ci gaba da zama babban kudin duniya a zamanin dijital
Tambayoyin Manufofi da Dabarun
4 Menene manyan fannoni biyar na manufofi da aka zayyana a cikin dabarun
Dabarun ta mayar da hankali kan
Tsarin Tsarin Tarayya Bayyananne Kafa tsarin doka guda ɗaya mai iya hasashe ga masu fitar da kudaden dawo
Tabbatar da Tsayayyen Ƙimar & Maido da Kudade Tilasta cewa kudaden dawo suna samun cikakken goyon baya ta hanyar amintattun kadarori masu ruɗi don masu riƙe su iya fansar su koyaushe don daloli
Haɓaka Haɗin kai Tabbatar da cewa kudaden dawo daban-daban da tsarin biyan kuɗi na iya aiki tare cikin sauƙi
Ƙarfafa Ƙirƙira Ƙirƙirar sandar yashi na tsari don gwada sababbin ra'ayoyi yayin kare masu amfani
Shiga cikin Ƙasashen Duniya Yin aiki tare da wasu ƙasashe don saita ƙa'idodin duniya waɗanda suka dace da muradun Amurka da tsaron kuɗi
5 Me yasa Amurka ke buƙatar jagoranci a cikin kudaden dawo Shin ba ta riga ta zama jagora ba
Duk da yake Amurka tana da kamfanoni masu ƙirƙira, rashin bayyanannun ƙa'idodin tarayya ya haifar da rashin tabbas Wasu ƙasashe suna tafiya da sauri tare da nasu ƙa'idodi da kudaden dijital Jagoranci yana nufin saita ma'auni na duniya wanda wasu ke bi, kare matsayin dolar da tasirin tattalin arzikin Amurka
6 Ta yaya wannan zai taimaka wa ɗan Amurka na yau da kullun
Zai iya haifar da saurin canja wurin kuɗi cikin gida da na ƙasashen waje mai rahusa, ingantaccen biyan kuɗi na dijital, ƙarin damar samun sabis na kuɗi, da haɓaka sabbin ƙa'idodin kuɗi masu dacewa da masu amfani da aka gina akan bayyanannun kudaden dawo masu tsari
Damuwa & Haɗari