Decoding Digital Assets: Distinguishing the Dream from the Dystopia in Stablecoins, Tokenized Deposits, and Central Bank Digital Currencies
Schumacher, Leon V.
- 出版商: Palgrave MacMillan
- 出版日期: 2024-07-06
- 售價: $2,370
- 貴賓價: 9.5 折 $2,252
- 語言: 英文
- 頁數: 378
- 裝訂: Hardcover - also called cloth, retail trade, or trade
- ISBN: 3031546008
- ISBN-13: 9783031546006
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商品描述
Central bank digital currency (CBDC) is on the horizon, with more than 130 central banks globally considering such projects. But is this beneficial for citizens and the financial system? This book offers a comprehensive guide on the intricate subjects of CBDCs, stablecoins, and tokenized deposits. Authored by an industry expert who has actively participated in the development of CBDC solutions, this book demystifies the complexities of CBDC and digital assets, presenting both the opportunities and challenges with practical examples and real-world contexts.
The book covers the history of money and the background of cryptography and technology architectures that are shaping the future of payments. It presents the risks and opportunities that these digital assets and CBDCs mean for our society. It discusses how CBDCs and stablecoins can potentially stabilize digital payment systems, offers opportunities for immediate settlements, and facilitate efficient cross-border payments. However, it also notes the significant challenges, including legal and regulatory complexities, social impacts, privacy concerns, security threats, and the risk of mass-surveillance. The book explores the different characteristics of digital assets, the options available for each characteristic (like privacy, sovereignty, ...) and provides detailed knowledge to judge the merits of the solutions proposed by private and public players.A must-read for anyone looking to understand the rapidly evolving world of digital currencies, this book encourages critical thinking about the opportunities and challenges presented by CBDCs and other digital assets and prompts readers to consider the vital aspects of privacy, security, and governance in an increasingly complex digital financial landscape.商品描述(中文翻譯)
中央銀行數位貨幣（CBDC）即將來臨，全球已有超過130個中央銀行考慮此類專案。但這對公民和金融系統是否有益呢？本書提供了一個全面的指南，探討CBDC、穩定幣和代幣化存款等複雜主題。作者是一位在CBDC解決方案開發中積極參與的行業專家，本書揭示了CBDC和數位資產的複雜性，並以實際範例和現實情境呈現機會與挑戰。
本書涵蓋了貨幣的歷史以及塑造未來支付的密碼學和技術架構的背景。它探討了這些數位資產和CBDC對我們社會所帶來的風險和機會。書中討論了CBDC和穩定幣如何有潛力穩定數位支付系統，提供即時結算的機會，並促進高效的跨境支付。然而，它也指出了重大挑戰，包括法律和監管的複雜性、社會影響、隱私問題、安全威脅以及大規模監控的風險。本書探討了數位資產的不同特徵、每個特徵可用的選項（如隱私、主權等），並提供詳細知識以評估私營和公共部門所提出解決方案的優缺點。
這本書是任何希望了解快速演變的數位貨幣世界的必讀之作，鼓勵讀者對CBDC和其他數位資產所帶來的機會與挑戰進行批判性思考，並促使讀者考慮在日益複雜的數位金融環境中，隱私、安全和治理等重要方面。
作者簡介
Leon V. Schumacher is a seasoned technology leader and entrepreneur. He holds a master's in electrical engineering with a specialization in communications technology from the Swiss Federal Institute of Technology (ETH Zurich), a master's in management from HEC Paris, and a post-MBA from the Kellogg School of Business at Northwestern University. Schumacher is a veteran in the global corporate sector, having served as Group Chief Information Officer for Novartis and ArcelorMittal and founded multiple tech start-ups related to cybersecurity, privacy, and digital assets.
作者簡介(中文翻譯)
Leon V. Schumacher 是一位經驗豐富的科技領導者和企業家。他擁有瑞士聯邦理工學院（ETH Zurich）電機工程碩士學位，專攻通訊技術，以及巴黎高等商業學院（HEC Paris）的管理碩士學位，並在西北大學凱洛格商學院獲得MBA後的進修學位。Schumacher 在全球企業界擁有豐富的經驗，曾擔任諾華（Novartis）和阿賽洛米塔爾（ArcelorMittal）的集團首席資訊官，並創立了多家與網路安全、隱私和數位資產相關的科技新創公司。
