- I-JPYC yethula i-stablecoin yase-Japan yokuqala eqashelwa ngokomthetho ene-yen, isekelwa u-1:1 ngamadiphozithi asebhange nama-JGB.
- Itholakala ku-Ethereum, i-Polygon ne-Avalanche ngokukhishwa nokuhlengwa nge-JPYC EX.
- Ilawulwa ngaphansi kohlaka olubuyekeziwe lwase-Japan; I-KYC isebenzisa i-ID Yenombolo Yami kazwelonke.
- Ukuhlanganiswa kwangaphambi kwesikhathi kuhlelwe i-Densan System, i-Asteria ne-HashPort, nama-megabanks ahlola ama-yen stablecoins awo.
Inkampani ye-fintech yaseJapan i-JPYC yethule i-JPYC, eyokuqala ezweni i-stablecoin eqashelwa ngokusemthethweni yen-pegged, iletha inguqulo egodliwe ngokugcwele, ye-on-chain yohlobo lwemali lwase-Japan ukuze ibe ngezezimali kakhulu. Uphawu luyagcina ukulingana okuqinile okungu-1:1 ne-JPY futhi yethula eduze kwephothali yokukhishwa neyokukhulula ebizwa ngokuthi i-JPYC EX.
Yakhelwe ukuthobelana kusukela osukwini lokuqala, iphrojekthi ihambisana nencwadi yomthetho yase-Japan yangemva kowezi-2023 kanye nokubhaliswa kwe-JPYC Umhlinzeki wesevisi wokudlulisa izimali nge-Ejensi Yezinsizakalo Zezezimali (FSA). Abasebenzisi baqedela i-KYC nge-ID Yenombolo Yami kazwelonke, futhi impahla iklanyelwe ukusebenza ngaphandle komthungo kuwo wonke ama-blockchain omphakathi ukuze kudluliswe ngokushesha, okonga imali.
Iyini i-JPYC nokuthi isebenza kanjani
Ithokheni ngayinye ye-JPYC ihloselwe ukusetshenziswa ngeyen eyodwa, ngokwenziwa kanye nokuhlengwa kuphathwa ngenkundla ye-JPYC EX. Amathokheni awagcini lapho kanye esesikhwameni somsebenzisi, agcina okhiye abayimfihlo nokulawula ezandleni zomphathi.
Kusukela ekuqaleni, i-JPYC isekela amanethiwekhi amaningi—okuhlanganisa i-Ethereum, iPolygon ne-Avalanche-ngakho ukudluliselwa kungahlala ngemizuzwana ngezinkokhelo zenethiwekhi ngokuvamile eziyingxenyana ye-yen, kuye ngezimo zeketango.
I-stablecoin's imodeli yokugcina iqondile: Ukuxhaswa okungu-100% ngediphozithi ye-yen yasekhaya namabhondi kahulumeni waseJapan (JGBs). I-JPYC ithi ngeke ikhokhise imali yokuthenga ekuqaleni; esikhundleni salokho, imali engenayo yokusebenza izovela kwinzalo ekhiqizwe izinkampani ze-JGB.
Ukugibela kulandela imizila ejwayelekile. Abasebenzisi baxhasa i-akhawunti yabo nge-EFT, qedela ukuhlola okusheshayo kokuthi Inombolo Yami ungubani, yamukela i-JPYC ekhelini le-wallet elibhalisiwe, futhi ingakwazi ukuphinda ibuyisele ku-akhawunti yasebhange lapho kudingeka.
Ngenxa yokuthi i-yen iguqulwa ngokukhululekile, i-yen stablecoin inayo izinzuzo ezicacile zokusetshenziswa komhlaba wonke, ku-on-chain uma kuqhathaniswa nezinye izinhlobo zemali zesifunda ezingaphansi kokulawulwa kwezimali okuqinile. Abahlanganyeli bemakethe sebevele babhekile i-liquidity ejulile ye-on-chain ye-USD/JPY ipheya, esinye seziphambano ze-FX ezidayiswa kakhulu emhlabeni.
Idizayini yokuthobela-yokuqala kanye nencwadi yomthetho yase-Japan
I-Japan ibuyekeze uhlaka lwayo lwe-stablecoins ngo-2023, idinga abakhiphi nabahlinzeki besevisi abahlobene ukuthi basebenze ngaphansi kwe Umthetho Wezinkonzo Zokukhokha kanye noMthetho Wamabhange. Indlela ye-JPYC ikhombisa leyo ncwadi yokudlala, okuhlanganisa ukubhaliswa, izilawuli ze-KYC/AML kanye nezivikelo zokubeka.
Indlela yokwenza iyagcizelela izinqolobane ezihlukanisiwe, ukukhishwa okusobala kanye nokuhlengwa, kanye nokucwaningwayo ngokuhambisana nokulindelwe kuzwelonke ekuvikeleni abatshalizimali. Amaqembu emboni afana ne-BCCC ne-JCBA asekela ukwabelana ngolwazi kubo bonke ababambiqhaza.
Ngokusebenza, i-JPYC ibhalansisa ukuvikelwa komsebenzisi nokuvuleka. Ukudluliswa okungekho emthethweni kwamathokheni kunciphisa umlingani kanye nengxenyekazi engozini, kuyilapho isendlalelo sokuthobela esizungeze ukukhishwa nokuhlengwa kusiza ukugcina izimali ezingekho emthethweni zingangeni ku-ecosystem.
Ukwamukelwa kwebhizinisi kanye nokuncintisana kwe-yen stablecoins
Ukuhamba kwebhizinisi kwasekuqaleni kuyathuthuka. Isihlanganisi sezinkokhelo I-Densan System ihlela ukwesekwa kokuthengisa kanye ne-e-commerce, inkampani yesofthiwe i-Asteria izokwengeza izici zomdabu zesuite yayo yokuhlanganisa idatha, futhi umhlinzeki we-wallet u-HashPort uhlose ukunika amandla ukuthengiselana kwe-JPYC.
Ngesikhathi esifanayo, amabhange amakhulu aseJapane—I-MUFG, SMBC kanye ne-Mizuho—bahlola i-yen stablecoin ehlanganyelwe ngenkundla ye-MUFG's Progmat yezinkokhelo zebhizinisi kanye nokukhokhelwa kwe-interbank. Nakuba zihlukene ne-JPYC, lezi zinyathelo zikhomba ukushintsha okubanzi okuya ebangeni lasebhange, imali eyithokheni.
Njengoba ukuhlanganiswa kwanda, abahwebi nabaphathi bezimali bangabona i-multi-stablecoin, indawo yemali eningi e-Asia, lapho imali ye-yen ihambisana nezimpahla ezikhonjwe ngedola njenge-USDT ne-USDC ngokugeleza kwemingcele kanye namapheya okuhweba ahlukaniselwe izindawo.
Okuhlosiwe, ezomnotho kanye nezimo zokusebenzisa ezingase zibe khona
I-JPYC Inc. izibekele umgomo wokuvelela: I-10 trillion yen esakazwa phakathi neminyaka emithathu. Imephu yomgwaqo ihlanganisa ukungeza amaketanga engeziwe kanye nokusebenzisana okumangalisayo kuzo zonke izinkokhelo, i-e-commerce, izimakethe ezinkulu kanye namathuluzi e-fintech.
Izimo ezisebenzisekayo zisukela ku imali ephumayo ebiza kancane kanye ne-B2B yokukhokhelana ku-on-chain FX, i-escrow ehlelekayo yezindawo zemakethe, kanye nokuphathwa komgcinimafa wesizukulwane esilandelayo sezinkampani ezisebenza kuzo zonke izindawo zesikhathi.
Emananini, inkampani isayina i Inqubomgomo yokuqala yokungakhokhisi yemisebenzi, exhaswe ngemali engenayo yenzalo evela ezigciniwe ze-JGB. Leyo modeli, uma igcinwa, ingenza i-JPYC ihehe ikakhulukazi ekukhokheleni imvamisa ephezulu kanye nama-microtransactions.
Vula imibuzo kanye nomugqa wesikhathi wokutholwa
I-Japan idumile ngokuqaphela ngokusungula izinkokhelo, kodwa isabelo se cashless transactions ibilokhu ikhuphuka eminyakeni yakamuva. I-stablecoin ethobelayo, esekelwe ku-yen ingase igudluze abathengi abaningi namabhizinisi ukuthi bahlole ukukhokhelwa kwe-on-chain.
Abenzi bezinqubomgomo bahlala beqaphile mayelana nemiphumela yesistimu. Abahlaziyi bayakuqaphela lokho ama-stablecoins angashintsha indima yediphozithi yasebhange esitakini sokukhokha, kanye nalokho okujwayelekile, ukusetshenziswa ezweni lonke cishe kuzokhula kancane kancane eminyakeni embalwa ezayo njengoba amabhange namabhizinisi beqhuba abashayeli bezindiza.
Ngesakhiwo esilawulwayo, ukufinyelela kwamaketanga amaningi kanye nenqubomgomo yokugodla ecacile, ukuqala kwe-JPYC kunikeza i-Japan ithuluzi elithembekile, eline-yen lokukhokhelana kwedijithali. Uma ukuhlanganiswa kwebhizinisi umhlaba kanye ne-liquidity kuyajula, iphrojekthi ingase ibambe iqhaza elibanzi lesimiso sezinto eziphilayo nesendalo esithobelayo sojantshi wenani elizinzile kulo lonke elase-Asia nangale kwayo.
