Hm, so weit ich das verstehe sind stable coins und CBDC doch was ganz was anderes. Wie seriös ist Deine Quelle?
Grok sagt dazu folgendes:
"Yes, it’s theoretically possible for the U.S. to transform a USD-backed stablecoin into a fully-fledged Central Bank Digital Currency (CBDC), but it would involve significant technical, legal, and policy shifts. Let’s break it down.
A USD-backed stablecoin, like USDC or Tether (USDT), is a privately issued digital asset pegged to the U.S. dollar, typically backed by reserves of cash, cash equivalents, or other assets. These are decentralized to varying degrees, operate on blockchain networks, and are managed by companies (e.g., Circle for USDC). A CBDC, on the other hand, is a digital form of a country’s fiat currency issued and directly controlled by its central bank—in this case, the Federal Reserve. It’s centralized by design, backed by the full faith and credit of the government, and intended as legal tender.
Could one evolve into the other? Here’s how it might work:
Government Adoption or Partnership: The U.S. government could partner with an existing stablecoin issuer (say, Circle) to repurpose their infrastructure. The stablecoin’s reserves could be shifted under Federal Reserve oversight, and its issuance could be centralized, effectively turning it into a Fed-controlled digital dollar. This would leverage existing blockchain tech and user adoption.
Regulatory Overhaul: Stablecoins currently operate in a gray area of U.S. regulation. Congress could pass laws reclassifying a stablecoin as a CBDC, mandating that it be issued solely by the Fed, with private companies acting as tech providers rather than issuers. This would require aligning the stablecoin’s operations with monetary policy goals.
Technical Transition: The underlying blockchain (e.g., Ethereum for USDC) could be adapted or replaced with a Fed-controlled ledger. The stablecoin’s 1:1 peg would remain, but its management would shift from private audits to central bank authority, ensuring it’s fully integrated into the financial system.
However, there are hurdles:
Centralization Clash: Stablecoins thrive on decentralized appeal; a CBDC would likely prioritize control, alienating some users.
Political Will: The U.S. has been slow on CBDCs. The Fed’s exploring a digital dollar (e.g., Project Hamilton), but there’s no consensus—some lawmakers fear surveillance risks or disruption to banks.
Private Sector Pushback: Stablecoin issuers might resist losing autonomy, and competition (e.g., USDC vs. Tether) complicates picking a “winner” to convert.
In practice, the U.S. is more likely to build a CBDC from scratch than retrofit a stablecoin. A 2022 Fed report on CBDCs didn’t mention co-opting stablecoins, focusing instead on bespoke systems. Still, the idea’s not crazy—China’s digital yuan (e-CNY) built on existing tech, and stablecoins prove digital dollars can scale. It’s plausible, just not imminent."
Ja, Toby halte ich für seriös. An seinen Gedankengängen und Recherchen ist eigentlich immer was dran.
Interessanter Grok Kommentar " Was war dein genauer Prompt " ?
"Is it true that the US could turn a USD-backed stable coin into a full-fleshed CBDC?"
"Is it true that the US could turn a USD-backed stable coin into a full-fleshed CBDC?"
Meinen Rechtschreibfehler "fleshed" statt "fledged" hat er gleich korrigiert :)