Paul Brody, hogaamiyaha caalamiga ah ee blockchain-ka ee EY iyo qoraaga wada jirka ah ee buugga 2023 ee *Ethereum for Business*, ayaa ka wada hadlay saameynta beddelka leh ee blockchain-ka ku leeyahay maaliyadda iyo doorka shirkadaha gudaha Global Finance. Maanta, macaamilada blockchain-ku waxay inta badan ku lug leeyihiin lacagaha deggan—cryptocurrencies la xiriira hantida deggan sida doolarka Mareykanka—ka ma ahan bitcoin. Bisha hore, deegaanka Ethereum ayaa farsameeyay $2 trillion oo ah lacagaha deggan ee lacag-bixinada, intabadan dolar. Lacagaha deggan waxay si gaar ah loo jecel yahay suuqyada koraya ee u nugul sicir bararka, halkaas oo dalabka doolarka Mareykanka uu si weyn u sii jiray. Waxay fududeyneysaa lacag celinta ku saabsan xuduudaha oo ku dhow inay noqoto mid degdeg ah, kharash yar leh, iyada oo aan la baahneyn nidaamyo dhaqameed oo gaabis ah oo qaali ah. Brody wuxuu adkeystaa baahida loo qabo lacagaha deggan ee si habsami leh loo xakameeyo oo ay taageerto hanti dhab ah, isagoo iska indha tiraya dhiirrigelinta mugdiga ah ee lacagaha digital-ka ee Bangiga Dhexe (CBDCs), kuwaas oo la kulmay caqabado ku yimaada ujeeddooyin aan caddeyn. Maamulayaasha maaliyadda (CFOs) iyo maareeyayaasha lacagaha ayaa wajahay su’aalo muhiim ah oo ku saabsan sidii loo dhexgelin lahaa lacagaha deggan iyo blockchain-ka hababka lacag-bixinta, maamulidda kaydka, iyo otomaatiga heshiisyada—hawlo ay shirkado badan hadda ka liitaan. Sida ugu weyn ee lacagaha deggan uga faa’iideystaan waa lacagta laga helo khidmadaha macaamilka iyo danaha lagu kasbado kaydka, laakiin heerarka hooseeya iyo tartanka culus ayaa cadaadis ku haya faa’iidada. Bangiyada, tiknoolajiyada blockchain-ka waxay u horseedi kartaa in doorkooda ku lug leh farsamaynta macaamilka—khidmadaha kaararka credit-ka iyo wareejinta lacagaha, oo ah kuwo sareysa marka loo eego kharashka sareeya ee lacagaha deggan.

Si kastaba ha ahaatee, bangiyada maxalliga ah ee diiradda saaraya maaliyadda shirkadaha ayaa laga yaabaa inay dareemaan saameyn yar. Bangiyada ilaalinta hantida sida BNY Mellon iyo JPMorgan ayaa taagan meel dhexe: In kasta oo blockchain-ku ay caqabad ku tahay, khibraddooda maareynta hantida ayaa u sahlaysa inay awood u yeeshaan in tokenization-ka, taas oo siineysa fursado kobaca. Brody wuxuu xusayaa awoodda heshiisyada caqliga leh ee lagu dhijité karin dhammaan noocyada hantida iyo heshiisyada, in kastoo ay hadda jirto xaddidaad ku saabsan qibrada gaarka ah ee blockchain-yada. Blockchain-yada gaarka ah ma hubinayaan sirta dhex maraysa ka qaybgalayaasha, taas oo ka duwan filashooyinka dhaqameed. Horumarrada la xiriira sirta internet-ka ee hore ayaa hadda wax ka qabta arrintan. Wuxuu saadaaliyay in dhammaan bangiyada ay qaadan doonaan nooc ka mid ah adeegyada tiknoolajiyada diyarinta qaybta ah (DLT), iyagoo ballaarinaya adeegyada loo heli karo lacagaha cryptos iyo hababka cusub ee lacag-bixinta. Marka la weydiiyey app-ka “dilaaqa” blockchain-ka, Brody wuxuu tilmaamay lacagaha deggan inay yihiin sababta ugu weyn ee keenta in si weyn loo qaato on-chain, iyadoo sidoo kale la filayo inay soo baxaan noocyo tartan ah oo leh dhibaatooyin iyo faa’iidooyin badan. Ugu danbeyntii, Brody wuxuu arkaa blockchain-ka inay tahay awood asaasi ah oo dib u habeynaysa maaliyadda caalamka oo kaliya ma ahan, balse dhammaan ganacsiga. Waxay ballan qaaday inay mideyso lacagta, heshiisyada, iyo alaabada—oo taariikh ahaan lagu maareeyay nidaamyo kala duwan—iyadoo fududeyneysa hababka qaali ah sida bixinta biilasha oo si degdeg ah oo otomaatig ah loo dhameystiro. 10 ilaa 15 sano gudahood, qaab-dhismeedka dambe ee ku salaysan blockchain-ka ayaa noqon doona qayb caalami ah oo qarsoon oo ku dhex jirta hawlaha ganacsiga, si weyn u bedelaysa waxtarka adduunka oo dhan.