Schemi di pagamento e valute virtuali (Payment schemes and virtual currencies)

Gianni Bonaiuti

Abstract


Il lavoro inquadra il possibile utilizzo delle monete digitali all’interno di sistemi di pagamento privati non regolamentati, fondati su registri decentralizzati, senza l’intervento di banche centrali o altri intermediari. Con riferimento all’esperienza del Bitcoin, si discute se possa essere una valida alternativa ai mezzi di scambio tradizionali, mettendo in evidenza alcuni aspetti critici dello schema che ne permette la circolazione. Il recente andamento di questa criptovaluta sembra legato più a motivi finanziari che non ad esigenze transattive, in contrasto con le finalità originarie.

The paper deals with digital currencies and their use in private, not regulated, payment systems. These are based on a decentralized ledger, free from central banks or other financial intermediaries. With regard to the Bitcoin, one wonders if it could be an alternative to the existing means of exchange, highlighting some critical aspects of its transfer scheme. Recent developments suggest that this cryptocurrency meets financial motives rather than payment needs, conflicting with its initial purposes.

JEL codes: E40, E42



Parole chiave


Bitcoin, Payment system, Cryptocurrencies

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DOI: https://doi.org/10.13133/2037-3651_72.288_6

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Reg. Tribunale di Roma n.377/2009 del 19/11/2009