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Dieses System macht Überweisungen blitzschnell

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Bisher können Überweisungen teilweise tagelang dauern. Das wollen die Banken ändern. Sie basteln an einem neuen Geld, das in Sekunden den Eigentümer wechselt. Doch das System hat ein Imageproblem.

Kaum hat Tim Wan die 1000 kanadischen Dollar in Calgary losgeschickt, freut sich Frank Boberach in Frankfurt am Main schon über 667 Euro auf seinem Konto. Der Geldtransfer über den Atlantik, eine Strecke von 7500 Kilometer, dauert gerade einmal acht Sekunden. Normalerweise vergehen heute drei bis vier Tage, ehe ein solcher Betrag von einem Kontinent auf den anderen und über Währungsgrenzen hinweg verschickt und dem Geschäftspartner gutgeschrieben ist.

Was Wan, ein Manager der kanadischen ATB Bank, und Boberach von der deutschen Reisebank Ende Juni auf einer Fachtagung vorführten, könnte schon bald Standard im internationalen Zahlungsverkehr sein. Selbst kleine Beträge könnten so schnell wie eine E-Mail rund um den Erdball zirkulieren – und noch dazu günstiger als heute.


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Sketchy English translation coming up thanks to Google. It doesn't specifically mention Ripple, but obviously... Ripple. 


This system makes transfers quickly

To date transfers can take some days. The need to change the banks. They tinker with a new money that changes ownership in seconds. But the system has an image problem.

K aum Tim Wan sent the Canadian dollar in 1000 in Calgary, would be Frank Boberach in Frankfurt for over 667 Euro on his account. The transfer of money across the Atlantic, a distance of 7500 KM, just take only eight seconds. Normally now pass three or four days before such an amount from one continent to the other and currency limits sent away and the business partner has been credited.

What Wan, a manager of the Canadian Bank ATB, and Boberach were demonstrating by the German ReiseBank end of June at a conference, could soon be standard in international payments. Even small amounts could circulate as soon as an email around the globe - and even less expensively than today.

It is just one of many future projects that are currently being pursued by the financial sector. Only in the last week made a group of major international banks, including the German bank , publicly, that it is working on a completely new currency. Banks do not need the digital money to be credited to their customers, but rather to make the settlement of securities transactions among themselves, stocks and bonds , simplify. Faster and cheaper are the two key words here.

A digital Haushaltsbuch

Many are already talking about a revolution of monetary transactions. The technology, which will lead to this upheaval, called Block Chain . Put simply, it involves a digital household book in which each has at any time insight. All transactions will be listed there, stored in blocks and strung together like a chain. The special feature is that the information is not stored on a central computer, but at the same time at different locations. This should make life difficult for fraudsters. Those who wanted to manipulate a transaction, the data chain would change simultaneously on all connected computers.

For example, stored in the block chain that person A has paid an amount to person B, then person A the money will not send again to Person C. Same thing with securities transactions: Any purchase or sale is recorded in the network and matched on each individual machine. So do any operator at any time to whom the shares or bonds belong.

The advantage of the idea: When is unequivocally clear to whom a good part of the time at which even strangers can do business with each other, without having to be afraid to be drawn from the opposite side across the table. At the end of banks and stock exchanges will become superfluous as middlemen. All could save the cost and time for financial services - from entrepreneurs to private investors.

But still there are concerns. Our top priority is the issue of security. As convincing as the block chain and its built-in control function in the theory is so bad is the reputation of the few existing practical application: Bitcoin . The most famous of all encrypted currencies based on block chain. A few weeks ago hackers could steal Bitcoins worth more than 50 million euros.

It is also questionable how far the supervisory bodies can make friends with the new technology. Finally, the market participants are initially anonymous, the identity is obscured by a code. That made Bitcoin so popular with criminals. They could handle their weapons and drug stores silently.

Other applications

In addition to the issue of security, the second unknown is the computer capacity. It is unclear whether the block chain not eventually is simply too long. Although space today costs almost nothing, but to every day millions of securities transactions to register on dozens of computers simultaneously and to check it needs a lot of power. And if at the end there is still a time advantage, is also open. To its critics point out that even with the conventional technique soon transfers within seconds be done.

Perhaps you will still remember in a few years because block chain was first tested in the crypto currency Bitcoin - and in the financial sector. The technology could then but be relevant elsewhere. So countries like Georgia and Honduras have discovered the block chain for the development of its land register. On one hand, should in real estate and land nobody can cheat, switch to the other side of the owners not by the minute, so that the data volumes remain manageable.

Another exciting area of application is the global trade in goods. Today lots of paperwork and time is necessary if, for example, a medium-sized Swabian does business with an unknown merchant in India. The trader must prove that he has enough money and can pay the order. Thus, the medium-sized then gets his money, this must prove again that the goods is on the way. All this information could be deposited in a block chain. Built algorithms could also ensure that the money only flows when the goods have actually arrived in India. By this in turn also have an interest banks. It would greatly simplify the trade finance.

Even more futuristic visions can be found in the special edition of the "world" of 1 September and on our Special for "World of Tomorrow" .


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