Direito à privacidade no desenho do real digital: um estudo sobre o papel do Banco Central do Brasil no ecossistema do seu projeto de retail CBDC
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Tipo
TCC
Data de publicação
2022-12
Periódico
Citações (Scopus)
Autores
Cunha, Pedro Henrique Marquês da
Orientador
Lorencini, Bruno César
Título da Revista
ISSN da Revista
Título de Volume
Membros da banca
Programa
Resumo
Diante da digitalização dos meios de pagamento e do sistema financeiro como um todo, se
observa que as autoridades monetárias do mundo estudam novas tecnologias para serem
implementadas, dentre as quais estão as centrais bank digital currency, um instrumento
nativamente digital denominado na unidade de moeda nacional, que é um passivo (liability) direto
do Banco Central que o emite. A adoção dessa nova tecnologia enseja questionamentos sobre a
privacidade dos usurários, visto que, além de possibilitar novas funcionalidades e caraterísticas a
Moeda ao que tange a possibilidade de o Banco Central emissor conseguir programar regras de
uso para esse “dinheiro digital”, também seria um sistema de pagamento controlado por um ente
estatal que acumularia dado sensíveis de sua população, como comportamentos de consumo que
podem revelar detalhes íntimos de cada individuo. Nesse cenário, o Banco Central do Brasil,
também se prepara para o lançamento de sua própria centrais bank digital currency, o Real Digital,
de modo que suscita diversas questões sobre como o ordenamento jurídico brasileiro pode proteger
o Direto à privacidade diante de um eventual abuso dos entes estatais, além de entendermos qual
será o papel do Banco Central do Brasil na arquiteta do Real Digital e quais características e
funcionalidade a centrais bank digital currency brasileira vai possuir.
Faced with the means of payment digitalization process and also the financial system as a whole, it is observed that the monetary authorities of the world are studying new technologies to be implemented, among which are the central bank digital currency, a natively digital payment instrument denominated in the unit of national currency, which is a direct liability of the Central Bank that issues it. The adoption of this new technology raises questions about the privacy of usurers, since, in addition to enabling new features and characteristics to the currency, regarding the Central Bank possibility of being able to program rules for the use of this “digital money”, it would also be a payment system controlled by a state entity that would accumulate sensitive data from its population, such as consumption behaviors that can reveal intimate details of each individual. In this scenario, the Central Bank of Brazil is also preparing to launch its own central bank digital currency, the Real Digital, raising several doubts about how the Brazilian legal system can protect the right to privacy in the face of state entities possible abuses, in addition to understanding what the role of the Central Bank of Brazil will be in the architect of Real Digital and what characteristics and functionality the Brazilian digital currency central bank will have.
Faced with the means of payment digitalization process and also the financial system as a whole, it is observed that the monetary authorities of the world are studying new technologies to be implemented, among which are the central bank digital currency, a natively digital payment instrument denominated in the unit of national currency, which is a direct liability of the Central Bank that issues it. The adoption of this new technology raises questions about the privacy of usurers, since, in addition to enabling new features and characteristics to the currency, regarding the Central Bank possibility of being able to program rules for the use of this “digital money”, it would also be a payment system controlled by a state entity that would accumulate sensitive data from its population, such as consumption behaviors that can reveal intimate details of each individual. In this scenario, the Central Bank of Brazil is also preparing to launch its own central bank digital currency, the Real Digital, raising several doubts about how the Brazilian legal system can protect the right to privacy in the face of state entities possible abuses, in addition to understanding what the role of the Central Bank of Brazil will be in the architect of Real Digital and what characteristics and functionality the Brazilian digital currency central bank will have.
Descrição
Palavras-chave
privacidade , banco central do Brasil , central bank digital currencies , privacy , central bank of Brazil