Brian Brooks, shugaban Ofishin Amurka na Kwanturolan kudin, ya rubuta game da yiwuwar DeFi ya share hanya don bankuna masu tuka kansu. A matsayinsa na mashahuri kuma mai kyan gani a cikin al'ummar crypto, Brooks ya sake tallafawa shari'ar ƙaddamar da fasaha ta hanyar tattauna ingantattun ɓangarorin DeFi.
Brooks ya lura cewa ya kamata mutane su shirya wa bankunan tuki a nan gaba kamar yadda suka taba hango motoci masu tuka kansu a farkon shekarun 60.
Masana'antar kera motoci ta kawo wadannan motocin na gaba nan ba da dadewa ba kamar yadda akasari suke zato, musamman masu kula da doka da tsaro. Kamar wannan, motocin masu zaman kansu sun kawo sababbin haɗari waɗanda duniyar yau ba ta taɓa yin la'akari da su ba - ba tare da wata hukumar da ke kula da su ba.
A ra'ayin Brian Brooks, bangaren banki yana kan hanya daya. Uearfafa da ikon rarrabawar kuɗi (DeFi), fasaha mai toshe shinge yana da ikon kawo sauyi gabaɗaya yadda mutane na zamani suke ɗaukar kuɗi.
Ga shugaban na Babban mai kula da harkar banki a Amurka, aminci yana da mahimmanci ga kowane ma'aikatar kuɗi. Jami'ai, kamar su manyan hafsoshin haɗari da manyan shuwagabannin binciken kuɗi, galibi suna da alhakin wannan yanayin. Haka kuma, Brook's ya kara da cewa suna tsara banki ba bankuna ba.
DeFi yana kawo karkatarwa ga wannan tsari na gargajiya kamar yadda yake kawo fasahar toshewa. Ta kowane hali, gabaɗaya yana cire buƙatar hulɗar ɗan adam da yin sulhu. Masu haɓakawa na iya ƙirƙirar kansu kasuwannin kuɗi gaba ɗaya waɗanda ke amfani da ƙimar yau da kullun da kwamitin banki ya kafa.
Wasu daga cikin waɗannan masu sha'awar fasahar har ma suna ƙirƙirar musayar da ba ta dace ba wanda ke gudana ba tare da dillalai ba, jami'an lamuni, ko kwamitocin bashi. Shugaban OCC din ya bayyana cewa wadannan sabbin kamfanonin ba kanana bane, inda suke kiran su 'bankuna masu tuka kansu.'
Brian Brooks Ya Bada Shawarwarin Kyautattun Kuɗi don Sauyawa zuwa Bankunan Tuƙin Kai Kai
Tsarin ka'idojin DeFi kawo ƙalubale da fa'idodi ga mutum mai matsakaici, kamar motoci masu zaman kansu. Abubuwan da ke tabbatacce sune cewa masu amfani zasu iya samun mafi kyawun ƙimar amfani ta hanyar algorithms kuma su guji wariyar da masu karbar bashi suke gudanarwa.
Dukkanin tsarin na iya hana yaudarar cikin gida da cin hanci da rashawa ta hanyar rashin cibiyoyin kudi da mutane zasu gudanar dasu.
Koyaya, akwai haɗari kuma. Kasafin Kudi yana gabatar da haɗarin rashin kuɗi, mafi yawan dukiyar da ta fi dacewa, da kuma kulawa game da lamunin rance.
Kamar dai game da batun motoci masu tuka kansu, masu kula da gwamnatin tarayya na iya tsalle don cike gurbin. Ta yin hakan, sakamakon zai zama ƙirƙirar ƙa'idodi marasa daidaituwa waɗanda ke hana ci gaban kasuwar.
Daga qarshe, bayanin Brian Brook shine cewa yakamata masu kula da tarayya su qirqiro, tsayayye, kuma daidaitaccen tsari.
Yana bayar da shawarar a sake duba tsofaffin dokokin banki na karni na 20 wadanda suka hana cibiyoyin hada-hadar kudi wadanda ba na mutane ba su mallaki hakkoki iri daya da na bankuna. Kiran su 'tsoffin dokoki' yana goyan bayan aiwatar da ƙa'idodin zamani waɗanda DeFi zai iya aiki a cikin duniyar gaske.
Bugu da ƙari, Brooks yayi jayayya game da cikakken canjin kuɗin gado zuwa tsarin rarraba kuɗi. A gare shi, ya haifar da duniya ba tare da kurakurai da munanan halayen mutane ba. Musamman, ya ce:
Shin za mu iya samar da makoma inda za mu kawar da kuskure, mu daina nuna wariya, kuma mu samu damar kowa da kowa? Masu haskakawa kamar ni suna tunanin haka. Ta yaya banki a Amurka zai bambanta a yau idan masu mulki, masu banki, da masu tsara manufofin siyasa sun kasance masu ƙarfin gwiwa kamar masu kera motoci shekaru 10 da suka wuce? ” Inji Shugaban ofishin kwanturolan kudin Currency Brian Brooks
Sharhi (A'a)