Opinion of central banks on whether blockchain has a future in payments after 2023

Central banks across the world were skeptical in 2023 on whether blockchain has a future part to play in the global payments industry. This is according to a survey held that year that asked representatives from central banks in both developed and emerging countries on whether they thought blockchain would be used in future payments systems.  The vast majority of survey respondents were unsure. Likely, this is because the penetration of cryptocurrency within payments traffic of individual countries was very low in 2023. Roughly one out of four respondents still believed it would make a future impact, though. 15 percent of the respondents imagined domestic use cases for blockchain payments, against 13 percent who pictured cross-border solutions. CBDC, or central bank digital currencies, spring to mind here, but the CBDC penetration rate was also relatively low as of 2023.

在全球支付行业中，2023年世界各国的中央银行对区块链是否能在未来扮演一部分角色持怀疑态度。这一观点基于当年进行的一项调查，该调查询问了来自发达国家及新兴国家中央银行的代表，他们是否认为区块链将在未来的支付系统中得到应用。调查的大多数受访者对此表示不确定。这很可能是因为，在2023年，加密货币在各国支付流量中的渗透率非常低。尽管如此，大约四分之一的受访者仍然相信区块链将在未来产生重大影响。15%的受访者设想了区块链支付在国内的应用场景，而13%的人则描绘了跨境解决方案。中央银行数字货币（CBDC）的概念也随之浮现，但截至2023年，CBDC的渗透率同样相对较低。