Viewing profile — danialtz

impressive! is this the same category to CopilotKit? CPK is a AGUI proxy for similar topics, but here seems to be more emphasis on linked components?

it is already super expensive if you want to get an actual work done using their max model. On a midsize project, it cost ca. €200 for my vibe coding tests to get something reasona…

It’s been a surprisingly emotional stretch in Germany these past few weeks. Between drastic shifting U.S. politics, the rising cost of living in our major cities, and recent isolat…

thank you for the post. The recommendation engine becoming generic and main page of pushed content were also the reason I moved away from Spotify Family to Apple Music family - add…

Amen. One does need a decentralized ledger for CBDC, high performance databases are quite acceptable, as there is no problem of lack of trust in a permissined model (no systematic …

You have a point here, but sadly most of the current state of art in CBDC research avoids storing accounts at Central Banks due to the obvious risk of disintermediating banking sys…

This is actually one of the main USPs to have payment at public layer. Even USA is pushing for an open API and SDKs, one day maybe an open source protocol.

The idea here is about security of money: the money stored in the CB ledger does not lose i ts contractual value in difficult times, as it is garanteed by the central bank. Compare…

Great point. The control of privacy should be in the protocol and not in the hands of the authorities, if there is going to be a trust built around it. Otherwise, we have what is t…

The CBDCs started with a great idea: to share the stability and security banks enjoy today with all citizen and retail sector in digital format, as public layer similar to internet…

Right on point distinction. There are various models: - almost all CBDC designs are transparent (monitored and stored), since they sit on the ledger and has to be auditable by a th…

The mandate is not discsussed yet but could come. CBs are running many pilots since they don‘t know also whether CBDC would work for their incentive, since it has to be accepted by…

> Important note: central bank digital currencies are not crypto currrencies. They are not block chains. They are not decentralized. They are not permissionless. I cannot find a re…

Privacy is ranked the second after security in a recent survey from ECB, so it is a known demand and design criteria for both sides. CBDC will co-exist with cash for years to come.…

The benefits are not that obvious and visible in a European country. In general, there are benefits and drawbacks: - efficiency: well, despite having a fast transaction time the ma…

Indeed, financial stability and crisis models are the transformation studies several central banks and also stablecoins like Celo undertake to understand how introduction a new mon…

Well, perhaps CBDC folks have learned a lot from Bitcoin and other cryptocurrencies, mostly on scaling and security, so literally not a database but abstract-wise a ledger like cry…

Accounts at central banks is only one model of CBDC, called Direct CBDC, which is to my knowledge much less preferred way than a hybrid apparoach (like what’s there today), for sev…

There are different types of CBDCs with various focus areas, e.g. wholesale CBDC (banking innovation, similar to what you mentioned) and Retail CBDC. The CBDC model that is gaining…

I'd be also curious to see which space (if anything left) Visa would be moving on the retail side. They have already filed a patent which could be an additional indicator [1]. In g…

you're right if one assumes a linear growth, but the reality is that it has an exponential growth. See https://www.youtube.com/watch?v=Kas0tIxDvrg for a short intro.

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