{"id":502997,"date":"2022-02-07T17:44:53","date_gmt":"2022-02-07T16:44:53","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=502997"},"modified":"2022-02-07T17:44:53","modified_gmt":"2022-02-07T16:44:53","slug":"banka-e-shqiperise-studim-per-kriptomonedhat-qe-mund-te-kene-me-shume-mundesi-perdorimi","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2022\/02\/07\/banka-e-shqiperise-studim-per-kriptomonedhat-qe-mund-te-kene-me-shume-mundesi-perdorimi\/","title":{"rendered":"Banka e Shqip\u00ebris\u00eb studim p\u00ebr kriptomonedhat q\u00eb mund t\u00eb ken\u00eb m\u00eb shum\u00eb mund\u00ebsi p\u00ebrdorimi","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"<\/a><\/span><\/p>\n

Monedhat dixhitale dhe kriptomonedhat po fitojn\u00eb nj\u00eb pesh\u00eb n\u00eb rritje n\u00eb tregjet financiare dhe rrjedhimisht po t\u00ebrheqin edhe v\u00ebmendjen e institucioneve monetare.<\/span><\/p>\n

Disa studiues t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb kan\u00eb p\u00ebrgatitur nj\u00eb material k\u00ebrkimor lidhur me ndikimin e monedhave dixhitale n\u00eb ciklin dhe stabilitetin financiar. Materiali \u00ebsht\u00eb p\u00ebrgatitur nga z\u00ebvend\u00ebsguvernatorja e dyt\u00eb, Natasha Ahmetaj dhe specialist\u00ebt Bledar Hoda, Livia Nikolla dhe Arisa Saqe.<\/span><\/p>\n

N\u00eb studimin e tyre autor\u00ebt kan\u00eb krahasuar monedhat dixhitale t\u00eb tre kategorive t\u00eb ndryshme: kriptomonedhat dixhitale me \u00e7mim t\u00eb luhatsh\u00ebm, kriptomonedhat me \u00e7mim fiks ose stablecoins dhe paran\u00eb elektronike t\u00eb bankave qendrore. Krahasimi i tyre \u00ebsht\u00eb b\u00ebr\u00eb n\u00eb baz\u00eb t\u00eb kritereve bazike, si leht\u00ebsia e kryerjes s\u00eb transaksioneve, luhatshm\u00ebria e \u00e7mimit, mund\u00ebsia e d\u00ebshtimit t\u00eb tyre dhe leht\u00ebsia e aksesit t\u00eb secil\u00ebs forme t\u00eb paras\u00eb, p\u00ebr t\u00eb gjetur at\u00eb me p\u00ebrhapje t\u00eb gjer\u00eb n\u00eb publik.<\/span><\/p>\n

Mes dy alternativave t\u00eb monedhave dixhitale private, studimi vler\u00ebson se stablecoins kan\u00eb nj\u00eb perspektiv\u00eb p\u00ebr t\u00eb gjetur p\u00ebrdorim m\u00eb t\u00eb gjer\u00eb n\u00eb publik. Stablecoins jan\u00eb nj\u00eb klas\u00eb e ve\u00e7ant\u00eb e kriptomonedhave q\u00eb garantohen me asete fizike. N\u00eb thelb, ato jan\u00eb nj\u00eb p\u00ebrpjekje p\u00ebr t\u00eb shkrir\u00eb avantazhet e dy llojeve t\u00eb monedhave: privat\u00ebsin\u00eb dhe leht\u00ebsin\u00eb e transaksionit t\u00eb kriptomonedhave dhe q\u00ebndrueshm\u00ebrin\u00eb e sigurin\u00eb e monedhave tradicionale.<\/span><\/p>\n

Stablecoins mund t\u00eb lidhen me vler\u00ebn e tregut t\u00eb nj\u00eb monedhe zyrtare, si p\u00ebr shembull dollari, ose t\u00eb nj\u00eb aseti, si ari o metale t\u00eb tjera t\u00eb \u00e7muara. Nj\u00eb nd\u00ebr stablecoin m\u00eb t\u00eb njohura aktualisht \u00ebsht\u00eb Tether, q\u00eb \u00ebsht\u00eb e garantuar me rezerva dollari amerikan dhe q\u00eb ka nj\u00eb vler\u00eb tregu q\u00eb i p\u00ebrgjigjet af\u00ebrsisht vler\u00ebs s\u00eb nj\u00eb nj\u00ebsie t\u00eb dollarit amerikan.<\/span><\/p>\n

Kjo iu jep stablecoins stabilitetin p\u00ebr t\u00eb cilin ka nevoj\u00eb nj\u00eb valut\u00eb p\u00ebr t\u00eb sh\u00ebrbyer si mjet k\u00ebmbimi n\u00eb afatin e gjat\u00eb. N\u00ebse vlera e nj\u00eb monedha ka luhatje shum\u00eb t\u00eb m\u00ebdha, (si\u00e7 \u00ebsht\u00eb rasti i bitcoin apo kriptovalutave t\u00eb tjera), kjo e b\u00ebn at\u00eb pak t\u00eb preferueshme si mjet pagese, sepse subjektet q\u00eb kryejn\u00eb apo pranonjn\u00eb pagesa me t\u00eb do t\u00eb kishin nj\u00eb pasiguri t\u00eb lart\u00eb p\u00ebr vler\u00ebn e saj n\u00eb koh\u00eb.<\/span><\/p>\n

Stablecoins tentojn\u00eb ta shmangin k\u00ebt\u00eb dizavantazh t\u00eb kriptomonedhave t\u00eb tjera, por, ana tjet\u00ebr e medaljes \u00ebsht\u00eb se lidhja me nj\u00eb valut\u00eb tradicionale e b\u00ebn vler\u00ebn e tyre t\u00eb ndikueshme nga bankat qendrore, duke e p\u00ebrafruar me tiparet e nj\u00eb monedhe tradicionale.<\/span><\/p>\n

Megjith\u00eb avantazhet q\u00eb kan\u00eb kundrejt kriptomonedhave t\u00eb tjera, t\u00eb lidhura kryesisht me q\u00ebndrueshm\u00ebrin\u00eb e tyre, studimi i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb konkludon se edhe stablecoins mbartin rreziqe t\u00eb ngjashme me ato t\u00eb nj\u00eb tregu financiar tradicional t\u00eb parregulluar dhe nj\u00eb sfid\u00eb p\u00ebr autoritetet komb\u00ebtare. N\u00eb ve\u00e7anti, n\u00ebnvizohet se p\u00ebrhapja e nj\u00eb ekosistemi t\u00eb stablecoins mund t\u00eb sfidoj\u00eb nd\u00ebrmjet\u00ebsimin bankar e financiar n\u00eb tregjet tradicionale financiare, t\u00eb rrit\u00eb mund\u00ebsin\u00eb e panikut bankar dhe fenomenit t\u00eb t\u00ebrheqjes s\u00eb menj\u00ebhershme t\u00eb fondeve nga bankat, si dhe t\u00eb p\u00ebrshkall\u00ebzoj\u00eb transmetimin e goditjeve dhe cikleve financiare midis ekonomive t\u00eb ndryshme. N\u00eb p\u00ebrgjith\u00ebsi, rreziqet q\u00eb vijn\u00eb nga p\u00ebrdorimi m\u00eb i gjer\u00eb i produkteve dhe sh\u00ebrbimeve t\u00eb teknologjis\u00eb financiare (fintech) jan\u00eb gjithashtu nj\u00eb burim paq\u00ebndrueshm\u00ebrie p\u00ebr sistemin financiar, sidomos kur institucionet financiare ekspozojn\u00eb bilancet e tyre ndaj k\u00ebtyre produkteve.<\/span><\/p>\n

VINI RE:<\/span> Ky artikull \u00ebsht\u00eb pron\u00eb intelektuale e Monitor.al<\/a><\/span><\/span><\/strong><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Monedhat dixhitale dhe kriptomonedhat po fitojn\u00eb nj\u00eb pesh\u00eb n\u00eb rritje n\u00eb tregjet financiare dhe rrjedhimisht po t\u00ebrheqin edhe v\u00ebmendjen e institucioneve monetare. Disa studiues t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb kan\u00eb p\u00ebrgatitur nj\u00eb material k\u00ebrkimor lidhur me ndikimin e monedhave dixhitale n\u00eb ciklin dhe stabilitetin financiar. Materiali \u00ebsht\u00eb p\u00ebrgatitur nga z\u00ebvend\u00ebsguvernatorja e dyt\u00eb, Natasha Ahmetaj dhe specialist\u00ebt […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":502998,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-502997","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme","category-te-fundit"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/502997","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=502997"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/502997\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/502998"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=502997"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=502997"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=502997"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}