论文标题
说明性行业架构，以减轻中央银行数字货币和商业银行资金的潜在分裂
Illustrative Industry Architecture to Mitigate Potential Fragmentation across a Central Bank Digital Currency and Commercial Bank Money
论文作者
论文摘要
中央银行正在通过进行研究，概念证明和飞行员来积极探索中央银行数字货币（CBDC）。但是，采用CBDC可能会冒着分裂支付市场和零售存款的风险。在本文中，我们旨在通过提出一种说明性的行业体系结构来为这种分裂风险提供缓解，从而将CBDC和商业银行的资金置于类似的基础上。我们介绍了生态系统的概念，该概念提供了一个通用的可编程性层，该层与商业银行和中央银行的帐户系统相连。我们专注于潜在的英国CBDC，包括使用开放银行应用程序编程界面与商业银行与商业银行接口的行业生态系统。
Central banks are actively exploring central bank digital currencies (CBDCs) by conducting research, proofs of concept and pilots. However, adoption of a CBDC can risk fragmenting both payments markets and retail deposits. In this paper, we aim to provide a mitigation to this fragmentation risk by presenting an illustrative industry architecture that places CBDCs and commercial bank money on a similar footing. We introduce the concept of ecosystems providing a common programmability layer that interfaces with the account systems at both commercial banks and the central bank. We focus on a potential UK CBDC, including industry ecosystems interfacing with commercial banks using Open Banking application programming interfaces.
