การอภิปรายเกี่ยวกับนวัตกรรมการชำระเงินข้ามพรมแดนและอุปสรรคด้านกฎระเบียบ

Totally agree. The tech is there, but getting dozens of central banks and regulators on the same page for interoperability seems like a Herculean task.

Good point on the bottlenecks. I'd add that differing data privacy laws and AML/CFT requirements in each jurisdiction are also massive friction points for a truly seamless global system.

Project Dunbar was interesting, but I wonder if the focus on CBDCs as a core component of cross-border settlement might actually introduce new regulatory complexities rather than simplifying them.

Isn't it also about commercial interests? Established players have a vested interest in the current system, making true disruption harder even with the tech and regulatory will.

I'm optimistic. The pressure from consumers and businesses for faster, cheaper cross-border payments is immense. Regulators will eventually have to adapt or risk being bypassed by private solutions.