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Musamman tun bayan annobar coronavirus, 'yan adam sun kasance ana
turasu daga wata masifa zuwa wata, kuma 'yan

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siyasa da kafofin watsa labarai suna ci
gaba da sanya su cikin yanayin tashin hankali.

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A halin yanzu, ana cimma wannan, misali, ta hanyar rikicin
da ke ƙara tsananta da Rasha da kuma shirye-shiryen siyasa

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da na kafofin watsa labarai na al'umma don cikakken yaki.

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A lokaci guda, duk da haka, manyan girgizar da ci
gaban ban mamaki na faruwa a tsarin kuɗi, waɗanda

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manyan kafofin watsa labarai ke ci gaba da watsi da su.

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Sun yi girma sosai har, a cewar ƙwararren masanin harkokin kuɗi
da tattalin arziki Ernst Wolff, sun wuce tunaninmu mafi nisa.

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A ƙarƙashin jagorancin manyan masu iko na harkokin kuɗi na duniya,
kusan dukkan ƙasashen duniya suna aiki kan gabatar da sabon

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nau'in kuɗi – kuɗin bankin tsakiya na dijital, ko CBDC a taƙaice.

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Wannan sabon kudi ya sha bamban kwata-kwata da kudinmu na
yanzu, domin ba bankin kasuwanci ke fitar da shi da sarrafa

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shi ba, sai dai kai tsaye daga bankin tsakiya na kowace ƙasa.

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Ta hanyar nazarin dukkan mu'amalolin biyan kudi da
kowane mutum ya yi, bangaren kuɗi na ƙirƙirar ɗan ƙasa

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mai bayyananne wanda za a iya sa ido a kowane lokaci.

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Tunda ana iya shirya CBDCs, suna ba
da damar sarrafa mutane yadda ake so.

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Domin wannan manufa, za a iya, misali, ba su ranar
ƙarewa ko kuma a fitar da su don wani takamaiman dalili.

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Hakanan za a iya haɗa wannan da tsarin ƙimar zamantakewa da
aka kwaikwayi daga na kasar Sin domin tilasta wasu halaye.

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A taƙaice, gabatar da CBDC na nufin cewa
dukiyoyinmu za su zama abin wasa da masu iko ke

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sarrafawa daga nesa, kuma 'yancinmu na kuɗi zai ƙare.

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Idan shirye-shiryen ECB suka ci gaba, ana sa
ran wannan ci gaban zai fara a ranar 1 ga

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Nuwamba 2025 tare da gabatar da euro na dijital.

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Shi ya sa Ernst Wolff ke bayyana yaƙin Ukraine da kuma
ƙarfafa yaƙi ta siyasa da kafofin watsa labarai a matsayin, daga

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cikin sauran abubuwa, wata babbar dabara ta karkatar da hankali.

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Wannan yana ba masu tsara dabaru na duniya damar shirya wannan
muhimmin mataki ba tare da tsangwama ko a lura da shi ba, sannan

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su aiwatar da shi ba tare da samun ƙarfin adawa mai yawa ba.

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Da lokacin da jama'a suka gane abin da ya faru, zai yi makara.

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"Checkmate," wani zai ce.

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Saurari ɓangarori daga wata hira da Ernst Wolff a cikin wannan
podcast ɗin, inda ya yi ƙayatarwa wajen taƙaita

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haɗarin da CBDCs ke haifarwa kuma ya fallasa ba tare
da tausayawa ba masu sarrafa lamarin a bayan fage.

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Babban burin kuɗin dijital na bankin tsakiya shi ne mu
duka mu sami asusu guda ɗaya kawai, wato na bankin tsakiya.

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Ana sayar mana da duk wannan a matsayin sauƙaƙe, a
matsayin wata hanya ta hanzarta duk ayyukan kuɗi,

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amma tabbas akwai wani abu gaba ɗaya daban a bayansa.

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Sabon tsarin kudi zai kasance tsarin kudi
na matakai biyu na farko da ya taɓa wanzuwa.

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Don haka za a samu abin da ake kira CBDC na jumla.

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Za a yi mu'amala da wannan CBDC na jumla tsakanin
babban banki da manyan cibiyoyin kuɗi, wato asusun

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kariya, kamfanonin inshora, asusun fansho da sauransu.

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Sa'an nan za a samu CBDC na sayarwa.

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Retail kalma ce ta Turanci wadda ke nufin
kasuwancin sayar da kaya kai tsaye ga masu siya.

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Wannan CBDC zai shafi talakawan jama'a da kananan kamfanoni.

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Don haka shi ne tsarin matakai biyu na farko a tarihin kudi.

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Bugu da ƙari, za a iya tsara wannan kuɗi,
ma'ana za a iya yiwuwar haɗa shi da ranar ƙarewa.

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Wannan yana nufin cewa wannan kuɗi na
iya rasa ƙimarsa bayan wani lokaci.

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Don haka mun ga cewa akwai lotiri a China.

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Mutane da suka karɓi wannan jakar kuɗi ta
CBDCs an ƙara musu yuan kaɗan a wayoyinsu na

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hannu, waɗanda za su ƙare bayan kwanaki shida.

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Bayan kwanaki shida, wannan kudi ya ɓace, don
haka dole ne a kashe shi cikin kwanaki shida.

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Duk da haka, kudaden na iya kasancewa ƙarƙashin wasu sharuɗɗa:

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Misali, za a iya kashe shi don wani takamaiman manufa.

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Wannan yana nufin cewa za ka iya cewa za ka kashe
wani ɓangare na kuɗin a kan abinci, wani ɓangare

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a kan haya, sannan ragowar a kan nishadi, misali.

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Duk da haka, za a iya kashe kudin a cikin gida ma.

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Wannan yana nufin za a iya tanadar cewa,
domin ni, za a kashe shi ne kawai a cikin wani

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takamaiman nisan da ke kewaye da wurin zama.

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Kuma wannan abin sha'awa ne dangane da
biranen mintuna 15 da ake shirin gina su a ko'ina.

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Don haka, a cikin tsarin birni na mintuna 15, watakila za mu
iya kashe kudinmu ne kawai a cikin wannan birni na mintuna 15.

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Hakanan ana iya danganta shi da wani abu daban, wato
tsarin kimar zamantakewa bisa ga samfurin kasar Sin.

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Wannan yana nufin za a iya ba mu maki marasa kyau idan, misali,
ba mu biya haya a kan lokaci ba, idan mun ketare titi yayin

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da fitilar zirga-zirga ke ja, ko idan mun yi maganganu da ba
a so a siyasa. Sannan za a iya sanya mana maki marasa kyau.

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Kuma hakan na iya kaiwa ga cewa wata rana za mu gano cewa mun yi
tuƙi fiye da kima, mun yi tashi jirgi sau da yawa,

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cewa sawun carbon ɗinmu ya yi yawa, don haka ba za a
ba mu izinin tuƙi ko yin tafiya na wani lokaci ba.

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Waɗannan duk takunkumi ne da, tabbas, za a iya kakaba
mana daga cibiyar tsakiya, kuma ita ce bankin tsakiya!

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Yanzu, yana da muhimmanci a lura cewa mutane da yawa suna cewa:
Eh, babban bankin ƙasa cibiyar da ba ta da son

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rai ce, wadda a zahiri take nan ne kawai don
tabbatar da cewa tsarin kuɗi yana aiki yadda ya kamata.

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Abin baƙin ciki, wannan ra'ayi ma gaba ɗaya ba daidai ba ne.

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Da farko dai, babban bankin tsakiya mafi girma, wato
Federal Reserve na Amurka, yana hannun masu zaman kansu sosai.

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Yana mallakar masu bankunan manya 12,
bankunan yankin Federal Reserve 12.

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Don haka ba cibiyar gwamnati ba ce, ba ta taɓa
zama ba, kuma yanzu tana da alaƙa da gwamnati kaɗan.

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Shugaban Babban Bankin Tarayya ana nada shi ne
ta hannun Shugaban Kasa, amma sai bayan an

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gabatar da sunayen mutane 12 daga waɗannan bankuna.

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A zahiri, waɗannan bankuna sun kusan rinjayar gwamnati.

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Kuma akwai wani abu guda ɗaya da ya rage ka sani:

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Babban bankunan tsakiya na duniya, wato ECB, Federal Reserve,
Bankin Ingila, Bankin Kanada da sauransu, suna da babban mai ba

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da shawara tun bayan rikicin kuɗi na duniya, kuma
wannan babban mai ba da shawara ba kowa ba ne face

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kamfanin kuɗi mafi girma da ya taɓa wanzuwa, wato BlackRock.

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Kuma BlackRock, ikon BlackRock, yana dogara ne akan abubuwa biyu.

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Da farko dai, su ne manyan masu hannun
jari a kusan dukkan manyan kamfanonin duniya.

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Amma abin da ya fi muhimmanci, BlackRock na da AI,
wato basirar wucin gadi a fannin kudi, mai suna Aladdin.

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A shekarar 1988, Larry Fink, wanda ya kafa BlackRock, ba wai
kawai ya kafa kamfaninsa ba ne, har ma ya ƙaddamar da wannan

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tsarin kwamfuta na nazarin bayanan kuɗi, wanda ke adana
dukkan nau'ikan bayanan kuɗi sama da shekaru 40 yanzu kuma yana

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amfani da su wajen gudanar da kowane irin samfurin kwaikwayo.

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Dukkan manyan kamfanoni a duniya yanzu sun haɗu da wannan tsarin.

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Don haka duk wanda ke da kasuwanci mai darajar biliyan fam ba
zai iya yin ba tare da wannan tsarin nazarin bayanan kuɗi ba.

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Kuma tabbas, gaskiya ne cewa dukkan bankunan tsakiya – bankunan
tsakiya ba su da wani abu fiye da hukumomin gwamnati, kuma

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hukumomin gwamnati suna da jinkiri, suna kaskanci, galibi ba sa
bin saurin fasaha, kuma yanzu dukkansu suna dogaro da Aladdin.

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Wannan yana nufin cewa kawai ainihin diktato a bayan fage yanzu
shi ne BlackRock, domin BlackRock na iya motsa

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kowace kasuwa a duniya zuwa kowace irin hanya da yake so,
kuma ba shakka bankunan tsakiya dole ne su bi sahu.

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Shi ya sa yake haka – wannan sabon kudi ba zai kasance a hannun
bankunan tsakiya kadai ba, har ma zai sa mu duka mu kasance

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ƙarƙashin wata ƙungiya ta masu zaman kansu, wato BlackRock.

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… "Rawar da Dandalin Tattalin Arzikin Duniya ke
takawa dangane da CBDCs abin sha'awa ne sosai."

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A Kirsimeti na 2018, mun fuskanci mafi girman faduwar kasuwannin
hannun jari na duniya, kuma hakan ya faru ne

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saboda Babban Bankin Amurka (Federal Reserve)
ya rika ɗaga ƙimar ruwa a hankali kafin hakan.

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Don haka, a ƙarshen shekarar 2018, ya bayyana cewa
tsohon tsarin kuɗi, tsohon tsarin kuɗin ƙasa, yana ƙarewa

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kuma ba za a iya ci gaba da ɗaukar shi ba a dogon lokaci.

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Abin sha'awa, a watan Janairu 2019, Dandalin Tattalin
Arzikin Duniya ya taru a Davos kuma ya ƙaddamar da

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haɗin gwiwar ci gaban kuɗaɗen dijital na bankin tsakiya.

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Dukkan manyan bankunan tsakiya suna wakilci a cikin wannan haɗin
gwiwa, haka nan manyan kamfanonin

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blockchain, manyan cibiyoyin katin bashi, kuma tabbas
WEF, wadda ita ma ke da matsayi mai daraja.

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Yana da muhimmanci a lura cewa WEF ta shiga
kai tsaye wajen kaddamar da wannan ajanda.

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Kuma, tabbas, WEF ta yi wasu abubuwa daban a shekarar 2019 ma:

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An nada Larry Fink, shugaban BlackRock, a hukumar
daraktoci, inda yanzu yake zama tare da shugaban IMF, shugaban

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ECB da duk manyan sunaye daga manyan kamfanonin duniya.

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Sannan, a shekarar 2020, WEF ta kuma shirya Taron 201
– tare da Gidauniyar Bill & Melinda Gates da Jami'ar

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Johns Hopkins, inda aka yi atisayen annoba tun da wuri.

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Kuma ina ganin ba haɗari ba ne da
muka samu damar fuskantar duk wannan.

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Ina ganin duk wannan na nufin a ƙarshe za mu sami wannan sabon
kuɗin, domin a lokacin annoba an tilasta mana amfani da

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00:09:59,339 --> 00:10:06,142
waɗannan lambobin QR, kuma mun saba da ra'ayin cewa a
ƙarshe za a iya tantance mu duka ta hanyar bayanan biometrics.

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Gane fuska ta biometric ma wata
alama ce da ke da alaƙa da sabon kuɗi.

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Lokacin da muka samu sabuwar kuɗi, lokacin da duk muka riƙe jakar
kuɗi ɗaya kawai a wayoyin hannu, dole ne a iya gane mu. Ba zai

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yiwu ɗaya daga cikinmu ya ba wasu mutane biyar
wayarsa ba, ko kuma idan aka katse mu daga duk hanyoyin

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kuɗi, misali, mu koma amfani da wasu wayoyin hannu daban.

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00:10:30,573 --> 00:10:35,841
Gane mutum ta hanyar bayanan biometric don haka yana da
matuƙar muhimmanci, kuma Klaus Schwab a halin yanzu yana kan

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gaba a wannan fanni tare da Taron Tattalin Arzikin Duniya.

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... "Kuma ba za mu manta cewa China na taka
muhimmiyar rawa a Dandalin Tattalin Arzikin Duniya

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ba, amma kuma wajen gabatar da wannan sabon kudi."

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A halin yanzu akwai ayyuka da dama na ketare-ƙasa, kuma abin
sha'awa ne cewa China na halartar su, misali tare da Hong

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Kong, amma kuma tare da Hadaddiyar Daular Larabawa da Saudiyya.

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00:11:00,986 --> 00:11:06,336
Don haka China tana taka rawa iri ɗaya
da ta Yamma a cikin wannan dukkan ajanda.

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Wannan shiri ne na ketare da tsarin daban-daban, wani aiki ne da
zai kai mu duka cikin makoma mai matuƙar baƙin ciki, domin da

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zarar an gabatar da wannan sabon kuɗi, da zarar ya
fara aiki, hakkokin dimokuraɗiyarmu za su kasance

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cikin mummunan hali kuma 'yancinmu zai kusan ƙare.

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Amma akwai kuma labari mai kyau.

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Kuma an riga an gwada wannan sabon kudi.

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00:11:33,940 --> 00:11:37,440
An yi ƙoƙari na farko a wancan lokacin a Bahamas.

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00:11:37,440 --> 00:11:45,500
An gabatar da sand dollar da mummunan sakamako
sosai – ba a karɓe shi ba ta mafi yawan mutanen wurin.

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00:11:45,500 --> 00:11:50,447
Sa'an nan suka ci gaba – sa'an nan suka
aiwatar da shi a wasu tsibiran Caribbean.

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00:11:50,447 --> 00:11:53,720
Waɗannan ƙoƙarin ma sun kasance kusan ba su da muhimmanci.

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00:11:53,720 --> 00:11:57,405
Sa'an nan suka tafi Jamaica suka gabatar da JAM-DEX.

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Hakan ma bai kai ga samun ci gaba ba.

129
00:11:59,520 --> 00:12:07,294
Sa'an nan manyan shugabanni sun yi tunanin cewa ya kamata mu tura
wannan gaba da ƙarfi yanzu, sannan mu fara shiri a hankali

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00:12:07,294 --> 00:12:14,723
don aiwatar da shi a ƙasashen masana'antu ma, kuma suka
zaɓi ƙasar Afirka mafi girma da masana'antu, wato Najeriya.

131
00:12:14,723 --> 00:12:22,860
A Najeriya, an gabatar da eNaira a watan
Oktoba 2021, tare da matakan tsaro masu tsauri.

132
00:12:22,860 --> 00:12:30,993
An takaita cire kuɗi daga na'urorin ATM sosai, an cire wasu
takardun kuɗi daga zagayowar kuɗi, takardun kuɗi sun yi ƙaranci,

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kuma cire kuɗi daga bankuna ya yi tsada sosai – wato
ana biyan manyan kuɗaɗen cirewa – kuma bayan wani lokaci,

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an fara yin duk biyan gwamnati ne kawai da sabon kuɗi.

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00:12:42,240 --> 00:12:49,638
Kuma har zuwa yanzu, ba a samu damar sa sama da kashi
15% na 'yan ƙasa su girka jakar kuɗi a wayoyin salula ba.

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00:12:49,638 --> 00:12:58,894
Don haka kashi 85% na 'yan Najeriya sun ƙi karɓar wannan sabon
kuɗi har zuwa yanzu, wanda lallai babban gazawa ne kuma yana nuna

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cewa ba za ka iya tilasta wa mutane wannan kuɗi
ba, sai dai dole ne ka matsa lamba sosai wajen

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00:13:05,691 --> 00:13:10,368
tilastawa, har ka jefa mutane cikin mawuyacin hali.

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A ganina, duk abin da ke faruwa a yanzu – wato abin da ake
danganta wa sauyin yanayi, abin da ake danganta wa yaƙe-yaƙe,

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duk wannan tsoro da ƙirayen tsoro – yana aiki ne kawai don
sanya mutane su yi biyayya har ƙarshe su amince da wannan kuɗi.

141
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Kuma ina da ra'ayi a zuciyata game da yadda za a iya
gabatar mana da wannan sabon kudi a matsayin fa'ida ga mu duka.

142
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Ina ganin cewa, saboda muna fuskantar babbar guguwa ta rashin
aikin yi a halin yanzu sakamakon saurin ci gaban AI, wanda ke

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nufin cewa za a rasa ayyuka da yawa a watannin da ke tafe, ana
iya amfani da wannan rashin aikin yi kuma zai bayyana sosai nan

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da Nuwamba 2025, cewa za a yi amfani da wannan
rashin aikin yi ne don gabatar da tsarin samun kuɗin gida

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na kowa a matsayin kuɗin dijital na bankin tsakiya.

146
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To, lallai zai yiwu a ba kuɗin
bankin tsakiya na dijital hoto mai kyau.

147
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Misali, idan muna da mutane miliyan 4 ko 5
marasa aikin yi a Jamus, shin za mu iya cewa ana

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taimaka wa mutane yanzu da wannan sabon kudi?

149
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Kuma ina da tabbacin cewa waɗannan mutane za su riƙe
wannan ceto kuma za a fara ganin kuɗin a matsayin abin alheri.

150
00:14:24,860 --> 00:14:28,935
Wannan ita ce zato na yadda za a gabatar da kudin.

151
00:14:28,935 --> 00:14:37,580
Misalan da Ernst Wolff ya ambata, inda gabatar da CBDC ba
ta yi nasara kwata-kwata ba, suna da matuƙar ƙarfafawa.

152
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Suna nuna cewa mutane ba tare da tunani mai
zurfi ba ba sa yarda da kuma ƙin wannan sabon kuɗi.

153
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Duk da haka, wannan bai kamata ya sa
mu yin kwanciyar hankali na ƙarya ba.

154
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A cewar Ernst Wolff, a bayan gabatar da CBDC akwai dukkan tsarin
kuɗi na dijital, ciki har da manyan masu gudanar da dukiya kamar

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BlackRock da Vanguard, Taron Tattalin Arzikin Duniya
(WEF) da bankunan tsakiya na duniya, waɗanda ba su da wani

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abu ba face tsawaita hannun 'yan elitin kuɗi na duniya.

157
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Wannan sabon kuɗin dijital, haɗe da bayanan biometric da
rajistar dijital na kowane ɗan ƙasa a duniya, ba za a iya

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wucewa ba wajen kafa mulkin danniya na duniya da suka shirya.

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Sai ta hanyar sa ido ba tare da tangarda ba da kuma
sarrafa kowane ɗan adam ne za a iya kafa wannan mamayar duniya.

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Don haka a gare su, komai ne ko babu
komai – kamar yadda yake a gare mu.

161
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Shi ya sa kowa dole ne yanzu ya nuna juriya mai ƙarfi, domin
wannan kuɗin dijital na iya halaka duk abin da muke ƙauna.

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A ƙarshe, saurari kiran da Ernst Wolff tare da
ɗan kasuwa kuma ƙwararren masani kan

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ƙwayoyin ƙarfe masu daraja, Dominik Kettner, suka yi.

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"Yuro na dijital – takobin Damokles da ke rataye a kanmu duka.

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Wata makami ce da aka ɓoye a matsayin kayan ci
gaba, amma farashin da muke biya shi ne 'yancinmu!

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Kowane kobo da muke kashewa, kowane
mafarki da muke da shi, ya zama abin wasansu.

167
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Za su sarrafa rayuwarmu, su jagoranci
shawarwarinmu, har sai mun manta wanene mu a da!

168
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Kudadenka, ajiyarka – a hannunsu!

169
00:16:25,499 --> 00:16:29,655
Shawarar ku, burin ku – ba su da ma'ana!

170
00:16:29,655 --> 00:16:36,360
Rayuwarka, makomarka suna ƙarƙashin
ikon waɗanda ke jan igiyoyi a bayan fage!

171
00:16:36,360 --> 00:16:41,268
Shin wannan ne abin da kake so,
abin da kake son barin wa 'ya'yanka?

172
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Ba a makara ba tukuna.

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Har yanzu muna da zaɓi, har yanzu za mu iya
tantance makomarmu, amma lokaci na ƙarewa.

174
00:16:49,890 --> 00:16:58,388
Za ka tsaya ka kalli yadda suke mamaye duniyarka,
ko za ka tashi tsaye, ka yi yaƙi, ka kare 'yanci?

175
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Kai kaɗai ne ke da ikon canza tafarkin tarihi!

176
00:17:01,982 --> 00:17:07,488
Ku yi amfani da su yanzu domin kanku,
domin mu duka, domin ƙarni masu zuwa.

177
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Iko na mutum ɗaya na iya zama ƙanƙanta, amma
tare za mu iya motsa duwatsu mu kawo canji.

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Bari a nuna maka hanya, kada a sace maka mafarkinka!

179
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Karɓi wannan dama ka tsara makomarka bisa ra'ayoyinka.

180
00:17:24,620 --> 00:17:32,280
Ba zai kasance mai sauƙi ba kuma zai buƙaci
jarumta, amma babu wata alheri da ta fi 'yanci girma!

181
00:17:32,280 --> 00:17:35,388
Amma ta yaya za mu yi yaƙi don samun 'yanci?

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A ƙarshe, wasu ɗan tunani kan wannan:

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- Kudi na takarda 'yanci ne, domin ba kamar kowace irin biyan
kuɗi ba tare da takarda ba, amfani da shi gaba

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ɗaya ba a san wanda ke yi ba kuma ba za a iya
sa ido a kansa ko sarrafa shi cikin sauƙi ba.

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Saboda haka, yi amfani da kuɗi na hannu
gwargwadon iko kuma ka guji biyan kuɗi ta dijital.

186
00:17:54,835 --> 00:18:01,423
- Ana iya cimma nasarar gabatar da CBDC ne kawai idan an
yi rijistar kowane ɗan ƙasa ta dijital da ta bayometriki.

187
00:18:01,423 --> 00:18:05,806
Saboda haka, yana da muhimmanci a ɗauki mataki
ba kawai kan CBDC ba, har ma kan duk wani

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gabatar da ID na dijital da rikodin bayanan biometric.

189
00:18:10,116 --> 00:18:15,754
- Mummunan shirye-shirye na waɗanda ke jan igiyoyi a
bayan fage zai yi nasara ne kawai muddin suna ɓoye.

190
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Don haka, haskaka ita ce tsarin yau.

191
00:18:18,871 --> 00:18:24,557
Don Allah ku raba wannan shirin kuma ku
sanar da mutane game da hatsarin CBDCs.

192
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- Ana iya karya ƙwayar wuta guda ɗaya cikin
sauƙi, amma ba za a iya karya dukkan ƙwayoyin wuta ba!

193
00:18:30,109 --> 00:18:34,687
Don haka, gina hanyoyin sadarwa shine
dabarar da ta fi muhimmanci a wannan zamani.

194
00:18:34,687 --> 00:18:40,475
Don haka, kada ku yi yaƙi kai kaɗai, sai ku haɗu ku
ƙirƙiri hanyoyin sadarwa da mutanen da ke da tunani iri ɗaya.

195
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Kuma ana maraba da ku ku zama ɓangare na cibiyar
sadarwa ta duniya ta Kla.TV, wadda muke ginawa

196
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tare da duk mutanen da ke son gaskiya da adalci.

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Tare za mu iya motsa duwatsu!