Primjena tehnologije raspodijeljenih glavnih knjiga u digitalnom novcu središnjih banaka

professional thesis

• Title (english): Application of distributed ledger technology in central bank digital currencies
• Author: Bojan Belušić
• Mentor: Ante Đerek (mentor)
• Committee member: Marin Golub (predsjednik povjerenstva)
• Committee member: Ante Đerek (član povjerenstva)
• Committee member: Marcel Maretić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Electrical Engineering and Computing; (Department of Electronics, Microelectronics, Computer and Intelligent Systems); Zagreb
• Defense date and country: 2022, Croatia
• Scientific / art field, discipline and subdiscipline: TECHNICAL SCIENCES; Computing

Abstract

Potreba izdavanja maloprodajnog digitalnog novca od strane središnjih banaka za građanstvo sve se češće spominje kao nužnost, ponajprije zbog financijske inkluzije i smanjenja korištenja gotovine u proteklih nekoliko godina. Osim toga, središnje banke razmatraju korištenje tehnologije raspodijeljenih glavnih knjiga zbog ubrzavanja veleprodajnog plaćanja i trgovanja imovinom te izbjegavanja korištenja pružatelja usluga u tu svrhu. S tim u vidu niz središnjih banaka u svijetu u posljednjih nekoliko godina pokrenuo je projekte i pilote za testiranje DLT sustava u svrhu izdavanja, trgovanja i plaćanja CDBC-om. Ovaj rad donosi načine provedbe i zaključke iz najznačajnijih te najbolje dokumentiranih istraživanja i pilota provedenih u tu svrhu. Nakon toga, rad ukratko prolazi kroz specifičnosti najčešće korištenih DLT platformi u navedenim istraživanjima i pilotima. Naposljetku se rad bavi sigurnosnim aspektima izdavanja CDBC-a na DLT platformi, uključujući tehnike za unaprjeđenje povjerljivosti te moguće ranjivosti i programske greške pametnih ugovora, te najboljim praksama koje bi trebalo slijediti kako bi se osigurala sigurnost takvih sustava.

Abstract (english)

The need for central banks to issue retail digital currency is increasingly mentioned as a necessity, primarily due to financial inclusion and reduced use of cash in the past few years. In addition, central banks are considering the use of distributed general ledger technology to accelerate wholesale payments and asset trading, and to avoid using third party providers for this purpose. A number of central banks around the world in recent years have launched projects and pilots to test DLT systems for the purpose of issuing, trading and paying with CDBC. This paper reviews implementations and conclusions from the most significant and best documented research and pilots conducted for this purpose. After that, the paper briefly goes through the specifics of the most commonly used DLT platforms in the mentioned research and pilots. Finally, the paper addresses the security aspects of issuing CDBC on DLT platform, including privacy enhancing techniques, possible vulnerabilities and bugs of smart contracts, and best practices that should be applied to ensure the security of such systems.

• Keywords: raspodijeljena glavna knjiga; kriptovalute; digitalni novac; središnja banka; lanac blokova; sigurnosna razmatranja; tehnike za unaprjeđenje povjerljivosti; veleprodajni CDBC; maloprodajni CDBC
• Keywords (english): Distributed Ledger Technology (DLT); cryptocurrency; digital currency; central bank; blockchain; security considerations; privacy enhancing techniques; wholesale CDBC; retail CDBC
• Language: croatian
• URN:NBN: urn:nbn:hr:168:624724
• Study programme: Title: Specialist study programme in information security; Study programme type: university; Study level: postgraduate specialist; Academic / professional title: Specijalist informacijske sigurnosti (Specijalist informacijske sigurnosti)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2022-03-31 07:42:01