{"id":65952,"date":"2026-09-23T10:20:23","date_gmt":"2026-09-23T10:20:23","guid":{"rendered":"https:\/\/crypto-globe.com\/?p=65952"},"modified":"2026-09-23T10:26:04","modified_gmt":"2026-09-23T10:26:04","slug":"ecb-zeli-spremeniti-pravila-mica-za-stabilne-kovance-obvezni-depoziti-v-bankah-po-njenem-mnenju-lahko-ustvarjajo-novo-tveganje","status":"publish","type":"post","link":"https:\/\/crypto-globe.com\/sl\/ecb-zeli-spremeniti-pravila-mica-za-stabilne-kovance-obvezni-depoziti-v-bankah-po-njenem-mnenju-lahko-ustvarjajo-novo-tveganje\/","title":{"rendered":"ECB \u017eeli spremeniti pravila MiCA za stabilne kovance. Obvezni depoziti v bankah po njenem mnenju lahko ustvarjajo novo tveganje."},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Evropska uredba o kriptoaktivi MiCA bi se na podro\u010dju stabilnih kovancev lahko do\u010dakala pomembne spremembe. Evropska centralna banka skupaj z nacionalnimi centralnimi bankami dr\u017eav Evropske unije priporo\u010da odpravo pravila, po katerem morajo izdajatelji stabilnih kovancev hraniti dolo\u010den del svojih rezerv kot depozite pri bankah. Ukrep je bil prvotno namenjen pove\u010danju varnosti digitalnih valut, vezanih na klasi\u010dne valute, vendar pa lahko po mnenju centralnih bank ustvarja novo tveganje za sam ban\u010dni sektor, je poro\u010dala\u00a0<a href=\"https:\/\/www.reuters.com\/business\/finance\/ecb-eu-central-banks-oppose-stablecoin-bank-deposit-rule-2026-09-22\/\" target=\"_blank\" rel=\"noopener\" title=\"\">agencija Reuters<\/a>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Razprava prihaja v \u010dasu, ko stabilni kovanci vse bolj izstopajo iz \u010disto kriptovalutnega okolja. Njihova globalna tr\u017ena kapitalizacija se giblje v stotinah milijard dolarjev, trgu pa \u0161e naprej dominirajo dolarjev vezani stabilni kovanci. Evropska centralna banka \u017ee dolgo \u010dasa <a href=\"https:\/\/www.ecb.europa.eu\/press\/key\/date\/2026\/html\/ecb.sp260601~38dffe5ec5.en.html\" target=\"_blank\" rel=\"noopener\" title=\"\">opozarja<\/a>, da ima nara\u0161\u010dajo\u010da vloga teh sredstev lahko posledice ne le za kriptovalutni sektor, ampak tudi za banke, monetarno politiko in finan\u010dno stabilnost.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vsebina \u010dlanka: <\/h2>\n\n\n<div class=\"wp-block-aioseo-table-of-contents\"><ul><li><a class=\"aioseo-toc-item\" href=\"#aioseo-mica-pozaduje-aby-cast-rezerv-stablecoinu-lezela-v-bankach-4\">MiCA po\u017eaduje, aby \u010d\u00e1st rezerv stablecoin\u016f le\u017eela v bank\u00e1ch<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-ecb-se-obava-nahlych-vyberu-miliard-z-bank-10\">ECB se ob\u00e1v\u00e1 n\u00e1hl\u00fdch v\u00fdb\u011br\u016f miliard z bank<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-misto-povinnych-bankovnich-vkladu-maji-prijit-rychle-dostupna-aktiva-15\">M\u00edsto povinn\u00fdch bankovn\u00edch vklad\u016f maj\u00ed p\u0159ij\u00edt rychle dostupn\u00e1 aktiva<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-ecb-zaroven-nechce-otevrit-evropsky-trh-bez-omezeni-20\">ECB z\u00e1rove\u0148 nechce otev\u0159\u00edt evropsk\u00fd trh bez omezen\u00ed<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-stablecoiny-jsou-predevsim-dolarovym-trhem-27\">Stablecoiny jsou p\u0159edev\u0161\u00edm dolarov\u00fdm trhem<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-zmena-mica-zatim-neni-schvalena-32\">Zm\u011bna MiCA zat\u00edm nen\u00ed schv\u00e1len\u00e1<\/a><\/li><\/ul><\/div>\n\n\n<h2 id=\"aioseo-mica-pozaduje-aby-cast-rezerv-stablecoinu-lezela-v-bankach-4\" class=\"wp-block-heading\">MiCA zahteva, da del rezerv stabilnih kovancev le\u017ei v bankah<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Stabilni kovanec se od kriptovalut, kot je bitcoin, razlikuje predvsem po tem, da njegova vrednost posku\u0161a posnemati dolo\u010deno osnovno sredstvo, najpogosteje ameri\u0161ki dolar ali evro. Da bi lahko izdajatelj odkupil \u017eetone na zahtevo uporabnikov, mora imeti zanje ustrezne rezerve.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evropska uredba&nbsp;Markets in Crypto-Assets, imenovana tudi MiCA, zato dolo\u010da razmeroma stroga pravila, kako se upravljajo te rezerve.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Po <a href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2023\/1114\/oj\/eng\" target=\"_blank\" rel=\"noopener\" title=\"\">trenutni zakonodaji<\/a> mora biti pri zadevnih stabilnih kovancih vsaj\u00a030 odstotkov ustreznih rezerv shranjenih kot depozit pri kreditnih institucijah. Pri pomembnih \u017eetonih lahko zahtevani dele\u017e dose\u017ee\u00a060 odstotkov. Preostale rezerve je mogo\u010de nalo\u017eiti na primer v varna in visoko likvidna finan\u010dna sredstva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na prvi pogled gre za konzervativen pristop. \u010ce ima izdajatelj del denarja shranjenega neposredno v banki, bi moral imeti dovolj sredstev za morebitne odkupov stabilnih kovancev. ECB pa opozarja, da ima ta sistem tudi drugo plat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">Ne spreglejte: <a href=\"https:\/\/crypto-globe.com\/sl\/mica-zares-spreminja-kriptotrg-nova-studija-kaze-prehod-od-usdt-k-usdc\/\" target=\"_blank\" rel=\"noopener\" title=\"\">MiCA dejansko za\u010denja spreminjati kriptotrg<\/a><\/h3>\n\n\n\n<h2 id=\"aioseo-ecb-se-obava-nahlych-vyberu-miliard-z-bank-10\" class=\"wp-block-heading\">ECB se boji nenadnih dvigov milijard iz bank<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Problem po mnenju centralnih bank le\u017ei predvsem v velikosti trga stabilnih kovancev. \u010ce bi pomemben izdajatelj hranil desetine milijard evrov v ban\u010dnih depozitih, bi to za banko pomenilo pomemben vir financiranja. Tak\u0161en denar pa ni enak obi\u010dajnim depozitom gospodinjstev ali podjetij. V primeru te\u017eav stabilnega kovanca bo morda izdajatelj moral rezerve zelo hitro dvigniti, da bi lahko zadovoljil zahteve imetnikov \u017eetonov.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ECB in nacionalne centralne banke zato opozarjajo, da bi obvezno shranjevanje velikega dela rezerv v bankah lahko postopoma nadomestilo stabilnej\u0161e maloprodajne depozite z manj stabilnim financiranjem, ki prihaja od izdajateljev stabilnih kovancev. \u010ce bi nato pri\u0161lo do mno\u017ei\u010dnega odliva denarja iz stabilnega kovanca, bi se problem lahko prenesel tudi v ban\u010dni sistem, izhaja iz informacij\u00a0<a href=\"https:\/\/www.reuters.com\/business\/finance\/ecb-eu-central-banks-oppose-stablecoin-bank-deposit-rule-2026-09-22\/\" target=\"_blank\" rel=\"noopener\" title=\"\">agencije Reuters<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pri tem ne gre zgolj za teoreti\u010dno tveganje. Dogodki iz leta 2023 so pokazali, da lahko povezava <a href=\"https:\/\/crypto-globe.com\/sl\/deutsche-bank-se-usmerja-h-kriptovalutam-strankam-zeli-hraniti-bitcoin-ethereum-in-stabilne-kovance\/\" target=\"_blank\" rel=\"noopener\" title=\"\">stabilnih kovancev<\/a> in tradicionalnih bank deluje v obe smeri. Stabilni kovanec\u00a0USD Coin (USDC)\u00a0je takrat kratkoro\u010dno izgubil tesno vezavo na dolar, potem ko je postalo znano, da je bil del rezerv podjetja Circle shranjen v bankrotirani Silicon Valley Bank. ECB ta primer uporablja kot primer tveganja, ki lahko nastane pri pretesni povezavi rezerv stabilnih kovancev z ban\u010dnim sistemom.\u00a0<a href=\"https:\/\/www.ecb.europa.eu\/press\/key\/date\/2026\/html\/ecb.sp260601~38dffe5ec5.en.html\" target=\"_blank\" rel=\"noopener\" title=\"\">V svoji analizi ECB hkrati opozarja<\/a>, da lahko obraten scenarij \u2013 naval na stabilni kovanec in posledi\u010dno hitro dvigovanje rezerv iz bank \u2013 \u0161iri te\u017eave v nasprotno smer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-ctete-take-millionero-recenze-novacci-i-zkuseni-obchodnici-si-prijdou-na-sve\">Preberite tudi: <a href=\"https:\/\/crypto-globe.com\/millionero-recenze-novacci-i-zkuseni-obchodnici-si-prijdou-na-sve\/\" target=\"_blank\" rel=\"noopener\" title=\"Millionero Recenze: Nov\u00e1\u010dci i zku\u0161en\u00ed obchodn\u00edci si p\u0159ijdou na sv\u00e9\">Millionero Recenzija: Tako za\u010detniki kot izku\u0161eni trgovci si pridejo na svoje<\/a><\/h3>\n\n\n\n<h2 id=\"aioseo-misto-povinnych-bankovnich-vkladu-maji-prijit-rychle-dostupna-aktiva-15\" class=\"wp-block-heading\">Namesto obveznih ban\u010dnih depozitov naj pridejo hitro dostopna sredstva<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Centralne banke zato predlagajo spremembo logike sedanjega sistema. Izdajateljem ne bi bilo treba imeti fiksno dolo\u010denega dela rezerv shranjenih neposredno v bankah. Uredba bi se namesto tega bolj osredoto\u010dila na dejansko&nbsp;likvidnost rezerv.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Del premo\u017eenja, ki krije stabilni kovanec, bi moral biti po predlogu nalo\u017een v sredstva, ki jih je mogo\u010de pretvoriti v gotovino v zelo kratkem \u010dasu. Predlog predvideva \u010dasovni okvir pribli\u017eno\u00a0enega do petih delovnih dni, pi\u0161e\u00a0<a href=\"https:\/\/www.reuters.com\/business\/finance\/ecb-eu-central-banks-oppose-stablecoin-bank-deposit-rule-2026-09-22\/\" target=\"_blank\" rel=\"noopener\" title=\"\">Reuters<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cilj torej ni enostavno oslabiti zahtev glede kritja stabilnih kovancev. Spremenil bi se bolj na\u010din, kako se ocenjuje njihova varnost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za izdajatelje bi to lahko pomenilo ve\u010djo pro\u017enost pri upravljanju milijardnih rezerv. Poleg ban\u010dnih depozitov bi lahko v ve\u010djem obsegu uporabljali na primer zelo kratkoro\u010dne in visoko likvidne finan\u010dne instrumente.<\/p>\n\n\n\n<h2 id=\"aioseo-ecb-zaroven-nechce-otevrit-evropsky-trh-bez-omezeni-20\" class=\"wp-block-heading\">ECB hkrati ne \u017eeli odpreti evropskega trga brez omejitev<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sprostitev enega pravila pa ne pomeni, da Evropska centralna banka spodbuja splo\u0161no omilitev regulacije stabilnih kovancev.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prav nasprotno. ECB \u017ee dolgo opozarja na tako imenovane&nbsp;\u201emodele ve\u010dkratnega izdajanja\u201c, pri katerih isti stabilni kovanec izda subjekt v Evropski uniji in hkrati podjetje zunaj EU.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za uporabnike so lahko oba \u017eetona prakti\u010dno zamenljiva. Del rezerv pa je lahko zunaj Evropske unije in ne podle\u017ee enakim pravilom kot sredstva evropskega izdajatelja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ECB se <a href=\"https:\/\/www.ecb.europa.eu\/press\/key\/date\/2026\/html\/ecb.sp260508~dd909fbed1.en.html\" target=\"_blank\" rel=\"noopener\" title=\"\">boji predvsem situacije<\/a>, ko bi pri\u0161lo do navala na stabilni kovanec. Imetniki \u017eetonov iz razli\u010dnih delov sveta bi se lahko posku\u0161ali unov\u010diti svoja sredstva prek evropskega izdajatelja, saj evropska pravila imetnikom zagotavljajo mo\u010dnej\u0161o za\u0161\u010dito. Rezerve, dejansko razpolo\u017eljive v EU, pa morda ne bodo zadostovale za vse zahteve.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Centralna banka zato zastopa stali\u0161\u010de, da so podobni \u010dezmejni modeli mo\u017eni le ob predpostavki dovolj mo\u010dnih pravil v drugih jurisdikcijah in jamstev, da bodo rezerve dejansko na voljo tam, kjer so v primeru krize potrebne.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/ECB-1024x683.jpeg\" alt=\"ECB MiCA\nVir fotografije: Adobe Stock\" class=\"wp-image-65933\" srcset=\"https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/ECB-1024x683.jpeg 1024w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/ECB-300x200-1.jpeg 300w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/ECB-768x512.jpeg 768w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/ECB-1536x1024.jpeg 1536w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/ECB-150x100.jpeg 150w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/ECB-324x216.jpeg 324w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/ECB-696x464.jpeg 696w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/ECB-1068x712.jpeg 1068w, https:\/\/crypto-globe.com\/wp-content\/uploads\/2026\/09\/ECB.jpeg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 id=\"aioseo-stablecoiny-jsou-predevsim-dolarovym-trhem-27\" class=\"wp-block-heading\">Stabilni kovanci so predvsem dolarski trg<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Evropska razprava ima \u0161e eno dimenzijo. \u010ceprav je MiCA ustvarila enega najbolj celovitih regulativnih okvirov za <a href=\"https:\/\/crypto-globe.com\/sl\/ali-bi-lahko-kvantni-racunalniki-nekoc-ukradli-vase-kriptovalute-ethereum-se-ze-pripravlja-na-dan-ko-danasnja-varnost-ne-bo-vec-zadostovala\/\" target=\"_blank\" rel=\"noopener\" title=\"\">kriptovalute<\/a> na svetu, na svetovnem trgu stabilnih kovancev \u0161e naprej prevladujejo \u017eetoni, vezani na ameri\u0161ki dolar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To za Evropo predstavlja \u0161ir\u0161e strate\u0161ko vpra\u0161anje. Stabilni kovanci se postopoma uporabljajo ne le pri trgovanju s kriptovalutami, temve\u010d tudi za denarna nakazila, poravnavo tokeniziranih sredstev ali druge finan\u010dne storitve blockchaina. ECB <a href=\"https:\/\/www.ecb.europa.eu\/pub\/pdf\/scpwps\/ecb.wp3199~ad552b59ec.en.pdf\" target=\"_blank\" rel=\"noopener\" title=\"\">opozarja<\/a>, da bi znatno \u0161irjenje tujih stabilnih kovancev lahko spremenilo strukturo ban\u010dnih depozitov in vplivalo tudi na na\u010din prenosa denarne politike v realno gospodarstvo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evropska centralna banka hkrati razvija lastno infrastrukturo za tokenizirane finance. Septembra je Eurosistem zagnal <a href=\"https:\/\/www.ecb.europa.eu\/press\/pr\/date\/2026\/html\/ecb.pr260921~e754847a7b.en.html\" target=\"_blank\" rel=\"noopener\" title=\"\">sistem Pontes<\/a>, ki omogo\u010da poravnavo veleprodajnih transakcij s tokeniziranimi sredstvi neposredno v denarju centralne banke.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"aioseo-mohlo-by-se-vam-libit-bitcoin-ceka-na-fed\">Morda vam bo v\u0161e\u010d: <a href=\"https:\/\/crypto-globe.com\/sl\/bitcoin-caka-da-fed-dvigne-ceno\/\" target=\"_blank\" rel=\"noopener\" title=\"\">Bitcoin \u010daka na Fed<\/a><\/h3>\n\n\n\n<h2 id=\"aioseo-zmena-mica-zatim-neni-schvalena-32\" class=\"wp-block-heading\">Sprememba MiCA \u0161e ni odobrena<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Za <a href=\"https:\/\/trader-magazine.com\/cs\/novinky\/akcie-v-usa-oslabily-investori-jsou-skeptictejsi-ohledne-rozhovoru-o-miru\/\" target=\"_blank\" rel=\"noopener\" title=\"\">vlagatelje<\/a> in uporabnike kriptovalut je pomembno, da sedanje stali\u0161\u010de ECB in evropskih centralnih bank ne pomeni takoj\u0161nje spremembe MiCA. Gre za priporo\u010dilo v okviru nadaljnjega pregleda evropskega regulativnega okvira in obstoje\u010da pravila ostajajo v veljavi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Razprava pa ka\u017ee, kako hitro se razvija pogled evropskih regulatorjev na stabilne kovance. Prvotna ideja je bila razmeroma preprosta \u2013 \u010dim ve\u010d rezerv ima izdajatelj v reguliranih evropskih bankah, tem varnej\u0161i naj bi bil stabilni kovanec. Centralne banke zdaj opozarjajo, da lahko ob dovolj velikem trgu isto pravilo ustvari novo povezavo med kriptovalutnim in ban\u010dnim sektorjem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evropska regulacija stabilnih kovancev se tako lahko premakne od enostavne zahteve po tem,&nbsp;kje morajo biti rezerve, k vpra\u0161anju,&nbsp;kako hitro so dejansko dostopne v primeru krize. Prav sposobnost izdajatelja, da obvladuje obse\u017ene odkupne posle \u017eetonov, ne da bi prenesel te\u017eave v ban\u010dni sistem, bo klju\u010dna za nadaljnjo obliko pravil.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Evropska uredba o kriptoaktivi MiCA bi se na podro\u010dju stabilnih kovancev lahko do\u010dakala pomembne spremembe. Evropska centralna banka skupaj z nacionalnimi centralnimi bankami dr\u017eav Evropske unije priporo\u010da odpravo pravila, po katerem morajo izdajatelji stabilnih kovancev hraniti dolo\u010den del svojih rezerv kot depozite pri bankah. Ukrep je bil prvotno namenjen pove\u010danju varnosti digitalnih valut, vezanih na [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":65940,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[15],"tags":[662,1423],"class_list":["post-65952","post","type-post","status-publish","format-standard","has-post-thumbnail","category-kryptomeny","tag-ecb","tag-stablecoiny"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Evropska uredba o kriptoaktivi MiCA bi se na podro\u010dju stabilnih kovancev lahko do\u010dakala pomembne spremembe. 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