{"id":8180,"date":"2025-03-31T15:01:44","date_gmt":"2025-03-31T13:01:44","guid":{"rendered":"https:\/\/www.v3ritas.sk\/?p=8180"},"modified":"2025-04-01T10:53:27","modified_gmt":"2025-04-01T08:53:27","slug":"cesta-k-bezhotovostnej-spolocnosti","status":"publish","type":"post","link":"https:\/\/www.v3ritas.sk\/index.php\/2025\/03\/31\/cesta-k-bezhotovostnej-spolocnosti\/","title":{"rendered":"Cesta k bezhotovostnej spolo\u010dnosti"},"content":{"rendered":"\n

Tento \u010dl\u00e1nok stru\u010dne predstavuje aktu\u00e1lny v\u00fdvoj digit\u00e1lnych mien centr\u00e1lnych b\u00e1nk a ich implement\u00e1ciu v praxi. \u010cl\u00e1nok m\u00e1 za cie\u013e poukazova\u0165 na fakty, vytvori\u0165 \u00favod do tejto problematiky a komentova\u0165 rizik\u00e1, ktor\u00e9 m\u00f4\u017eu predstavova\u0165 digit\u00e1lne meny v pr\u00edpade, \u017ee \u00faplne nahradia hotovos\u0165 vo finan\u010dnom syst\u00e9me sveta.<\/em>e predstavuje aktu\u00e1lny v\u00fdvoj digit\u00e1lnych mien centr\u00e1lnych b\u00e1nk a ich implement\u00e1ciu v praxi. \u010cl\u00e1nok m\u00e1 za cie\u013e poukazova\u0165 na fakty, vytvori\u0165 \u00favod do tejto problematiky a komentova\u0165 rizik\u00e1, ktor\u00e9 m\u00f4\u017eu predstavova\u0165 digit\u00e1lne meny v pr\u00edpade, \u017ee \u00faplne nahradia hotovos\u0165 vo finan\u010dnom syst\u00e9me sveta.<\/em><\/p>\n\n\n\n

<\/div>\n\n\n\n

\u010cO S\u00da CBDC?<\/strong><\/p>\n\n\n\n

\u010c\u00edm sa CBDC (Central bank digital currency<\/strong>) – digit\u00e1lna mena centr\u00e1lnej banky l\u00ed\u0161i od s\u00fa\u010dasn\u00fdch elektronick\u00fdch pe\u0148az\u00ed ktor\u00e9 m\u00e1me na \u00fa\u010dtoch? V praxi je hlavn\u00fd rozdiel tak\u00fd, \u017ee v s\u00fa\u010dasnosti m\u00e1 ka\u017ed\u00e1 centr\u00e1lna banka  (\u010falej CB) preh\u013ead o transakci\u00e1ch v\u010faka sprostredkovaniu t\u00fdchto inform\u00e1ci\u00ed od v\u0161etk\u00fdch b\u00e1nk, ktor\u00e9 v jej krajine operuj\u00fa. V pr\u00edpade CBDC by tieto peniaze boli priamo, bez medzi\u010dl\u00e1nku, pod CB, ktor\u00e1 by mala preh\u013ead o toku v\u0161etk\u00fdch pe\u0148az\u00ed v re\u017eime re\u00e1lneho \u010dasu<\/strong>. Rovnako tie\u017e CBDC nie je v\u00f4bec kryt\u00e1 fyzick\u00fdmi peniazmi (hotovos\u0165ou) ale s\u00fa to u\u017e iba \u201e\u010d\u00edsla\u201c. Treba podotkn\u00fa\u0165, \u017ee CBDC nie je kryptomena<\/strong>, s ktorou si ju mnoh\u00ed plet\u00fa. <\/p>\n\n\n\n

\u010eal\u0161ou podstatnou odli\u0161nos\u0165ou oproti s\u00fa\u010dasn\u00fdm peniazom je, \u017ee CBDC sa d\u00e1 programova\u0165<\/strong>. Existuj\u00fa \u00favahy, \u017ee by sa tieto peniaze dali nastavi\u0165 tak, \u017ee ak by sa do ur\u010ditej doby nepou\u017eili, tak expiruj\u00fa<\/strong>. T\u00fdmto by sa dalo docieli\u0165 to, \u017ee by sa vedela o\u017eivova\u0165 ekonomika a tok pe\u0148az\u00ed. \u00davahy s\u00fa aj o tzv. z\u00e1kladnom nepodmienenom pr\u00edjme<\/strong>, ktor\u00fd je navrhovan\u00fd a bol u\u017e aj testovan\u00fd ako jedno z potenci\u00e1lnych rie\u0161en\u00ed s\u00fa\u010dasn\u00fdch ekonomick\u00fdch v\u00fdziev t\u00fdm, \u017ee by ka\u017ed\u00fd ob\u010dan dost\u00e1val ur\u010dit\u00fd minim\u00e1lny pr\u00edjem od \u0161t\u00e1tu, v\u010faka ktor\u00e9mu by vedel pre\u017ei\u0165 aj v pr\u00edpade nezamestnanosti. My\u0161lienka je tak\u00e1, \u017ee tento nepodmienen\u00fd pr\u00edjem by sa dal nastavi\u0165 tak, aby ho recipient do mesiaca pou\u017eil<\/strong>.<\/p>\n\n\n\n

<\/div>\n\n\n\n

KDE SA CBDC VYV\u00cdJAJ\u00da? <\/strong><\/p>\n\n\n\n

Digit\u00e1lne meny sa vyv\u00edjaj\u00fa prakticky vo v\u0161etk\u00fdch centr\u00e1ch glob\u00e1lneho v\u00fdznamu<\/strong> ako Eur\u00f3pska \u00fania, \u010c\u00edna, Rusko, USA a mnoh\u00e9 in\u00e9. V podstate v\u0161ade je my\u0161lienka rovnak\u00e1 – novovzniknut\u00e1 digit\u00e1lna mena je zamenite\u013en\u00e1 jedna k jednej<\/strong> za menu, ktor\u00e1 sa d\u00e1 vybra\u0165 v hotovosti. Vo v\u0161etk\u00fdch vy\u0161\u0161ie uveden\u00fdch krajin\u00e1ch ot\u00e1zka \u201czru\u0161enia hotovosti\u201d zatia\u013e nie je ve\u013emi hor\u00facou t\u00e9mou, av\u0161ak v USA je t\u00e1to t\u00e9ma politicky ve\u013emi nepopul\u00e1rna<\/strong>, nako\u013eko je tam hotovos\u0165 st\u00e1le ve\u013emi pou\u017e\u00edvan\u00e1, hoci tento fakt sa tie\u017e men\u00ed – vi\u010f obr. \u010d. 2. <\/p>\n\n\n

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Obr. \u010d. 1: Logo rusk\u00e9ho digit\u00e1lneho rub\u013ea (zdroj: CBR<\/a>)<\/figcaption><\/figure>\n<\/div>\n\n\n

Slovenska sa t\u00e1to t\u00e9ma ako samostatnej krajiny tak net\u00fdka, nako\u013eko v\u0161etko bude z\u00e1visie\u0165 od politiky E\u00da a konkr\u00e9tne ECB<\/strong>, ke\u010f\u017ee pou\u017e\u00edvame euro. Av\u0161ak v roku 20XX bol prijat\u00fd \u00fastavn\u00fd z\u00e1kon o tzv. pr\u00e1ve na hotovos\u0165, \u010cl\u00e1nok 39a \u016estavy SR:<\/p>\n\n\n\n

    \n
  1. Vyd\u00e1vanie hotovosti ako z\u00e1konn\u00e9ho platidla sa zaru\u010duje.<\/em><\/li>\n\n\n\n
  2. Ka\u017ed\u00fd m\u00e1 pr\u00e1vo vykona\u0165 platbu za n\u00e1kup tovarov a poskytnutie slu\u017eieb v hotovosti z\u00e1konn\u00fdm platidlom, pri\u010dom prijatie takejto platby mo\u017eno odmietnu\u0165 len z primeran\u00fdch alebo v\u0161eobecne uplat\u0148ovan\u00fdch d\u00f4vodov. Pr\u00e1vo vykona\u0165 hotovostn\u00fa oper\u00e1ciu v banke alebo pobo\u010dke zahrani\u010dnej banky sa zaru\u010duje.<\/em><\/li>\n\n\n\n
  3. Z\u00e1kon ustanov\u00ed podmienky a obmedzenia pr\u00e1va pod\u013ea odseku 2.<\/em><\/li>\n<\/ol>\n\n\n\n

    Koment\u00e1tori tvrdia, \u017ee vraj z\u00e1kon pod\u013ea poslednej tretej \u010dasti \u00fastavn\u00e9ho z\u00e1kona umo\u017e\u0148uje toto pr\u00e1vo obch\u00e1dza\u0165<\/strong>, av\u0161ak nahradenie hotovosti digit\u00e1lnou menou by poru\u0161ilo duch tohoto z\u00e1kona, ktor\u00fd bol okrem in\u00e9ho pripraven\u00fd pr\u00e1ve kv\u00f4li obav\u00e1m z toho, \u017ee hotovos\u0165 m\u00f4\u017ee by\u0165 v bud\u00facnosti zru\u0161en\u00e1, resp. jej pou\u017e\u00edvanie by bolo st\u00e1le zlo\u017eitej\u0161ie a\u017e nemo\u017en\u00e9. <\/p>\n\n\n\n

    <\/div>\n\n\n\n

    \u010c\u00cdNA L\u00cdDER CBDC<\/strong><\/p>\n\n\n\n

    Najv\u00e4\u010d\u0161\u00edm l\u00eddrom vo v\u00fdvoji a implement\u00e1ci\u00ed digit\u00e1lnych mien je \u010c\u00edna. \u010c\u00ed\u0148ania s\u00fa do ve\u013ekej miery nau\u010den\u00ed fungova\u0165 bez hotovosti<\/strong> a na ve\u013ea miestach hotovos\u0165 u\u017e ani nie je prij\u00edman\u00e1. Pomocn\u00edkom pri implement\u00e1ci\u00ed tejto praxe je \u010d\u00ednska aplik\u00e1cia WeChat<\/strong>, ktor\u00e1 je pou\u017e\u00edvan\u00e1 prakticky na v\u0161etko, od komunik\u00e1cie medzi \u013eu\u010fmi a\u017e po n\u00e1kupy. V\u010faka tomuto syst\u00e9mu m\u00e1 v\u0161ak \u0161t\u00e1t preh\u013ead o celej kybernetickej aktivite<\/strong> u\u017e\u00edvate\u013eov WeChat-u. \u010c\u00edna u\u017e vyvinula digit\u00e1lny juan<\/strong> a za\u010d\u00edna sa aj jeho testovanie. \u010c\u00ed\u0148ania s\u00fa o krok vpred aj v tom, \u017ee na prij\u00edmanie platieb sa na r\u00f4znych miestach pou\u017e\u00edva aj skenovanie dlan\u00ed alebo identifik\u00e1cia tv\u00e1re cez videokameru<\/strong>. Tak\u00fdmto sp\u00f4sobom \u013eudia napr\u00edklad vch\u00e1dzaj\u00fa do metra bez toho aby prech\u00e1dzali nejak\u00fdmi truniketmi. Jednoducho prech\u00e1dzaj\u00fa vchodom a kamera im identifikuj\u00fac tv\u00e1re odr\u00e1tava peniaze za pou\u017eitie slu\u017eieb metra. <\/p>\n\n\n\n

    V \u010c\u00edne sa akt\u00edvne hovor\u00ed aj o mo\u017enosti nastavenia \u010dasov\u00e9ho limitu digit\u00e1lnych pe\u0148az\u00ed. \u010c\u00edna m\u00e1 v\u0161ak prax zalo\u017een\u00fa na tom, \u017ee podobn\u00e9 experimenty sk\u00fa\u0161a len v ur\u010dit\u00fdch oblastiach<\/strong> a ak sa preuk\u00e1\u017eu ako efekt\u00edvne, tak ich za\u010dn\u00fa implementova\u0165 celon\u00e1rodne. Aj z tohoto d\u00f4ovodu je potrebn\u00e9 sledova\u0165 ako sa t\u00e1to technol\u00f3gia vyv\u00edja a prejavuje v praxi, aby sme sa vedeli na \u010d\u00ednskych experimentoch pou\u010di\u0165<\/strong> aj my sami. <\/p>\n\n\n\n

    <\/div>\n\n\n\n

    CESTA K SVETOVEJ MENE<\/strong><\/p>\n\n\n\n

    Americk\u00e1 spolo\u010dnos\u0165 Ripple<\/strong> vyvinula a testuje svoju kryptomenu<\/strong> XRP<\/strong> s vyu\u017eit\u00edm na medzin\u00e1rodn\u00e9 bankov\u00e9 transakcie<\/strong>. V s\u00fa\u010dasnosti medzin\u00e1rodn\u00e9 transakcie v r\u00f4znych men\u00e1ch funguj\u00fa pribli\u017ene nasledovne – ak chceme posla\u0165 z n\u00e1\u0161ho eurov\u00e9ho \u00fa\u010dtu peniaze niekomu do USA na dol\u00e1rov\u00fd \u00fa\u010det, tak  na\u0161a banka k\u00fapi pod\u013ea nami zadanej \u010diastky dol\u00e1re, ktor\u00e9 po\u0161le do USA. Cel\u00fd tento proces trv\u00e1 aj nieko\u013eko dn\u00ed. Ripple testuje syst\u00e9m, kedy by v tomto pr\u00edpade na\u0161a banka zamenila na\u0161e eur\u00e1 za XRP, poslala XRP do USA, kde by si ho zamenili za dol\u00e1re. Cel\u00e1 t\u00e1to re\u0165az transakci\u00ed by trvala nieko\u013eko sek\u00fand<\/strong>. <\/p>\n\n\n\n

    XRP sa od kryptomien ako Bitcoin a podobne l\u00ed\u0161i t\u00fdm, \u017ee XRP je centralizovan\u00e1 v spolo\u010dnosti Ripple<\/strong>, teda Ripple m\u00e1 preh\u013ead o v\u0161etk\u00fdch transakci\u00e1ch XRP. Kryptomeny ako Bitcoin s\u00fa decentralizovan\u00e9<\/strong>, \u010di\u017ee  funguj\u00fa v nejakom \u201einternetovom \u00e9teri\u201c, a teda ich transakcie s\u00fa ve\u013emi \u0165a\u017eko sledovate\u013en\u00e9. <\/p>\n\n\n\n

    Spolo\u010dnos\u0165 Ripple m\u00e1 pod\u013ea v\u0161etk\u00e9ho bl\u00edzko k Trumpovej administrat\u00edve<\/strong>, nako\u013eko sa o XRP za\u010dalo v \u0161ir\u0161\u00edch finan\u010dn\u00fdch kruhoch hovori\u0165 a\u017e po zvolen\u00ed Donalda Trumpa, kedy aj cena XRP r\u00e1stla<\/strong>. Trump tie\u017e od za\u010diatku podporuje kryptomeny a pod\u013ea jeho ned\u00e1vneho vyhl\u00e1senia<\/a> jednou z hlavn\u00fdch kryptomien, ktor\u00e9 bude USA nakupova\u0165 v r\u00e1mci svojich rezerv<\/strong> je spom\u00ednan\u00e9 XRP. <\/p>\n\n\n\n

    V pr\u00edpade, \u017ee by sa pl\u00e1n spolo\u010dnosti Ripple podaril a medzin\u00e1rodn\u00fd bankov\u00fd syst\u00e9m by pre\u0161iel na medzin\u00e1rodn\u00e9 transakcie s XRP, tak by fakticky \u0161lo o centraliz\u00e1ciu svetov\u00e9ho bankov\u00e9ho syst\u00e9mu<\/strong>. Ned\u00e1 sa v\u0161ak vyl\u00fa\u010di\u0165, \u017ee by mohli vznikn\u00fa\u0165 viacer\u00e9 podobn\u00e9 platformy na medzin\u00e1rodn\u00e9 transakcie. V s\u00fa\u010dasnosti je vysoko nepravdepodobn\u00e9, \u017ee by Rusko a \u010c\u00edna s\u00fahlasili so zapojen\u00edm sa do syst\u00e9mu s centrom v USA. <\/p>\n\n\n\n

    <\/div>\n\n\n\n

    EVOL\u00daCIA PE\u0147AZ\u00cd<\/strong> <\/p>\n\n\n\n

    Prechod k bezhotovostn\u00e9mu syst\u00e9mu je nevyhnutn\u00fd, ot\u00e1zkou zost\u00e1va len \u010das jeho implement\u00e1cie. Ide o s\u00fa\u010dasn\u00fa prirodzen\u00fa evol\u00faciu pe\u0148az\u00ed<\/strong> za pomoci s\u00fa\u010dasn\u00fdch technol\u00f3gi\u00ed. Prakticky v\u0161etky spolo\u010dnosti, ktor\u00e9 technologicky prekonali dobu kamenn\u00fa pre\u0161li od v\u00fdmenn\u00e9ho obchodu k vyu\u017eitiu ur\u010dit\u00e9ho  platidla – najm\u00e4 zlat\u00e9 a strieborn\u00e9 mince<\/strong>. <\/p>\n\n\n\n

    Nesk\u00f4r pri\u0161li bankovky<\/strong>, ktor\u00e9 sl\u00fa\u017eili zo za\u010diatku ako v\u00fdmenn\u00e9 l\u00edstky <\/strong>za fyzick\u00e9 platidlo – najm\u00e4 cenn\u00e9 kovy (mince) ulo\u017een\u00e9 v bank\u00e1ch s cie\u013eom zjednodu\u0161enia procesu transportu platidla a samotn\u00e9ho platenia, kedy nebolo potrebn\u00e9 ma\u0165 pri sebe \u0165a\u017ek\u00e9 kovy ale papier, ktor\u00fd po predlo\u017een\u00ed garantoval odovzdanie pr\u00edslu\u0161n\u00e9ho mno\u017estva kovu za v\u00fdmenn\u00fd l\u00edstok<\/strong>. Po\u010das druhej svetovej vojny vznikol tzv. Brettonwoodsky syst\u00e9m<\/strong>, kedy sa stal americk\u00fd dol\u00e1r svetovou rezervnou menou<\/strong> t\u00fdm, \u017ee dol\u00e1r zostal jedinou menou krytou zlatom<\/strong> vymenite\u013enou pod\u013ea stanoven\u00e9ho kurzu novovzniknut\u00fdm Medzin\u00e1rodn\u00fdm menov\u00fdm fondom<\/strong>. V roku 1971 bolo krytie dol\u00e1ru zlatom zru\u0161en\u00e9<\/strong> a peniaze sa stali fakticky bezcenn\u00fdm papierom, ktor\u00fd m\u00e1 hodnotu len preto, lebo \u013eudia veria, \u017ee hodnotu m\u00e1, nako\u013eko ich garantom je \u0161t\u00e1t. <\/p>\n\n\n\n

    S implement\u00e1ciou digit\u00e1lnych technol\u00f3gi\u00ed pre\u0161lo bankovn\u00edctvo do kybernetickej sf\u00e9ry<\/strong>, kde s\u00fa re\u00e1lne peniaze veden\u00e9 pod \u010d\u00edslom v syst\u00e9me. Dnes u\u017e mnoho \u013eud\u00ed ani in\u00fd syst\u00e9m nepou\u017e\u00edva, vi\u010f obr. \u010d. 2, a s odchodom hotovosti by nemali \u017eiaden probl\u00e9m. Odstr\u00e1nenie hotovosti bude technicky rovnako jednoduch\u00fd prechod<\/strong> ako zru\u0161enie krytia zlatom hotovosti a peniazom zostane ich fikt\u00edvna hodnota op\u00e4\u0165 len v\u010faka viere \u013eud\u00ed, ktor\u00ed ju bud\u00fa pou\u017e\u00edva\u0165, podobne ako je to aj pri kryptomen\u00e1ch.<\/p>\n\n\n

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    Obr. \u010d. 2: Pou\u017eitie hotovosti dospel\u00fdmi ameri\u010danmi na n\u00e1kupy 2022 a 2015 (zdroj:     GALLUP<\/a>)<\/figcaption><\/figure>\n<\/div>\n\n\n
    <\/div>\n\n\n\n

    POTENCI\u00c1LNE HROZBY A AKO SA IM VYHN\u00da\u0164 <\/strong><\/p>\n\n\n\n

    V s\u00fa\u010dasnosti sa daj\u00fa sledovate\u013en\u00e9 digit\u00e1lne transakcie efekt\u00edvne obch\u00e1dza\u0165 po\u017e\u00edvan\u00edm hotovosti<\/strong> ale u\u017e p\u00e1r rokov aj kryptomenami<\/strong>. Vo ve\u013ek\u00fdch mno\u017estv\u00e1ch sa tak rob\u00ed z viacer\u00fdch d\u00f4vodov najm\u00e4 v\u0161ak kv\u00f4li da\u0148ov\u00fdm \u00fanikom<\/strong>, praniu pe\u0148az\u00ed<\/strong> ale aj z d\u00f4vodu financovania terorizmu<\/strong> a zlo\u010dinov<\/strong>. Mno\u017estvo \u201eoby\u010dajn\u00fdch\u201c \u013eud\u00ed v\u0161ak preferuje hotovos\u0165 z d\u00f4vodu, \u017ee s\u00fa na \u0148u proste zvyknut\u00ed<\/strong> alebo ned\u00f4veruj\u00fa bank\u00e1m<\/strong> a preferuj\u00fa rad\u0161ej mo\u017enos\u0165 ma\u0165 peniaze fyzicky doma. <\/p>\n\n\n\n

    Ke\u010f\u017ee hotovos\u0165 je pou\u017e\u00edvan\u00e1 na vy\u0161\u0161ie uveden\u00e9 nekal\u00e9 \u010dinnosti, tak mnoh\u00ed prechod na digit\u00e1lne meny pr\u00e1ve z t\u00fdchto d\u00f4vodov podporuj\u00fa<\/strong>. Je v\u0161ak my\u013en\u00e9 si myslie\u0165, \u017ee mocn\u00ed, ktor\u00ed vyu\u017e\u00edvaj\u00fa hotovos\u0165 pr\u00e1ve na vy\u0161\u0161ie uveden\u00e9 \u010dinnosti bud\u00fa lobova\u0165 za zachovanie hotovosti. Je tak preto, lebo t\u00ed u\u017e vedia obch\u00e1dza\u0165 ofici\u00e1lne transakcie pou\u017eit\u00edm kryptomien<\/strong> – najm\u00e4 Bitcoinu. T\u00e1to prax sa roz\u0161\u00edrila pri obch\u00e1dzan\u00ed protirusk\u00fdch sankci\u00ed, nako\u013eko decentralizovan\u00e9 kryptomeny umo\u017e\u0148uj\u00fa vykonov\u00e1va\u0165 absol\u00fatne anon\u00fdmne elektronick\u00e9 transakcie  mimo bankov\u00e9ho syst\u00e9mu (sledovanie je mo\u017en\u00e9 ale len so zapojen\u00edm enormn\u00e9ho \u00fasilia, preto sa v praxi sleduj\u00fa len ve\u013emi ve\u013ek\u00e9 presuny v objemoch mili\u00f3nov a\u017e miliard\u00e1ch eur). <\/p>\n\n\n\n

    Ak by v\u0161ak svetov\u00fd syst\u00e9m zru\u0161il hotovos\u0165 celoplo\u0161ne a vyu\u017e\u00edval jednu centralizovan\u00fa kryptomenu, tak by bolo teoreticky mo\u017en\u00e9 ma\u0165 absol\u00fatny preh\u013ead o na\u0161ich transakci\u00e1ch po celom svete z jedn\u00e9ho d\u00e1tov\u00e9ho centra<\/strong>. Hrozba bezhotovostnej spolo\u010dnsti je, \u017ee v pr\u00edpade, \u017ee by \u0161t\u00e1t nevedel \u013eud\u00ed k nie\u010domu prin\u00fati\u0165, tak by im mohol hrozi\u0165 zablokovan\u00edm ich pe\u0148az\u00ed<\/strong>, \u010domu by sa u\u017e vybran\u00edm hotovosti nedalo pred\u00eds\u0165. Ak by \u010dlovek odmietol nejak\u00e9 nariadenie, ktor\u00e9 by vzniklo na z\u00e1klade ur\u010ditej kr\u00edzovej situ\u00e1cie, tak by mohol by\u0165 z pe\u0148a\u017en\u00e9ho syst\u00e9mu jednoducho odpojen\u00fd<\/strong>. <\/p>\n\n\n\n

    Ke\u010f\u017ee zlo\u010dincom zru\u0161en\u00edm hotovosti nezabr\u00e1nime v pokra\u010dovan\u00ed v ich \u010dinnostiach<\/strong> a po\u0161koden\u00e9 by bolo len \u201eoby\u010dajn\u00fdm \u013eu\u010fom\u201d<\/strong>, tak je nevyhnutn\u00e9 aby sme si pr\u00e1vo na hotovos\u0165 chr\u00e1nili<\/strong> a pri ak\u00fdchko\u013evek n\u00e1znakoch mo\u017enosti jeho oslabenia proti tomu r\u00e1zne vyst\u00fapili. Ak by sme v\u0161ak tomu nedok\u00e1zali zabr\u00e1ni\u0165, tak je d\u00f4le\u017eit\u00e9, aby sa \u013eudia u\u010dili pou\u017e\u00edva\u0165 alternat\u00edvy digit\u00e1lneho bankov\u00e9ho syst\u00e9mu<\/strong> ako pou\u017eitie kryptomien <\/strong>alebo fyzick\u00fdch kovov<\/strong> ako zlato a striebro. Ke\u010f bud\u00fa ob\u010dania tomuto nau\u010den\u00ed, tak by mohli potenci\u00e1lne vedie\u0165 fungova\u0165 mimo bezhotovostn\u00e9ho syst\u00e9mu, ktor\u00fd bude technicky realizovate\u013en\u00fd u\u017e v horizonte najbli\u017e\u0161\u00edch rokov. <\/p>\n\n\n\n

    Zobrazi\u0165 \u010dl\u00e1nok v PDF<\/a>Stiahnu\u0165<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

    Tento \u010dl\u00e1nok stru\u010dne predstavuje aktu\u00e1lny v\u00fdvoj digit\u00e1lnych mien centr\u00e1lnych b\u00e1nk a ich implement\u00e1ciu v praxi. \u010cl\u00e1nok m\u00e1 za cie\u013e poukazova\u0165 na fakty, vytvori\u0165 \u00favod do tejto problematiky a komentova\u0165 rizik\u00e1, ktor\u00e9 m\u00f4\u017eu predstavova\u0165 digit\u00e1lne meny v pr\u00edpade, \u017ee \u00faplne nahradia hotovos\u0165 vo finan\u010dnom syst\u00e9me sveta.<\/p>\n","protected":false},"author":2,"featured_media":8186,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"give_campaign_id":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8180","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"\nCesta k bezhotovostnej spolo\u010dnosti - Veritas<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.v3ritas.sk\/index.php\/2025\/03\/31\/cesta-k-bezhotovostnej-spolocnosti\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cesta k bezhotovostnej spolo\u010dnosti - 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