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banki tworzą pieniądze i co to oznacza dla Ciebie",{"tag":585,"attributes":586,"content":18},"meta",{"property":587,"content":583},"og:title",{"tag":585,"attributes":589,"content":18},{"name":590,"content":583},"twitter:title",{"tag":585,"attributes":592,"content":18},{"name":593,"content":594},"description","Dowiedz się, jak banki kreują pieniądz poprzez kredyty. Poznaj mechanizmy kreacji kapitału i dlaczego krypto to bezpieczniejsza alternatywa.",{"tag":585,"attributes":596,"content":18},{"property":597,"content":594},"og:description",{"tag":585,"attributes":599,"content":18},{"name":600,"content":594},"twitter:description",{"tag":585,"attributes":602,"content":18},{"property":603,"content":604},"og:image","https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1694801851-discover_geldunderspartes.jpg?auto=format&fit=max&w=1200",{"tag":585,"attributes":606,"content":18},{"property":607,"content":608},"og:image:width","1200",{"tag":585,"attributes":610,"content":18},{"property":611,"content":612},"og:image:height","800",{"tag":585,"attributes":614,"content":18},{"property":615,"content":616},"og:image:alt","Portrait of a thoughtful woman wearing a blue headband and beige blazer, sitting in warm sunlight",{"tag":585,"attributes":618,"content":18},{"name":619,"content":604},"twitter:image",{"tag":585,"attributes":621,"content":18},{"name":622,"content":616},"twitter:image:alt",{"tag":585,"attributes":624,"content":18},{"property":625,"content":46},"og:locale",{"tag":585,"attributes":627,"content":18},{"property":628,"content":579},"og:type",{"tag":585,"attributes":630,"content":18},{"property":631,"content":632},"og:site_name","https:\u002F\u002Fcryptonow.net",{"tag":585,"attributes":634,"content":18},{"property":635,"content":636},"article:modified_time","2026-09-07T12:33:46Z",{"tag":585,"attributes":638,"content":18},{"property":639,"content":50},"article:publisher",{"tag":585,"attributes":641,"content":18},{"name":642,"content":643},"twitter:card","summary","2023-07-11T15:54:00+02:00",{"_modelApiKey":646,"_allSlugLocales":647,"id":671,"title":672,"slug":668},"discover_category",[648,650,652,653,654,655,657,659,660,661,663,664,666,667,669],{"value":649,"locale":32},"money-and-our-society",{"value":651,"locale":41},"geld-im-wandel",{"value":651,"locale":42},{"value":651,"locale":35},{"value":649,"locale":43},{"value":656,"locale":33},"el-dinero-y-nuestra-sociedad",{"value":658,"locale":37},"argent-et-notre-societe",{"value":658,"locale":45},{"value":658,"locale":36},{"value":662,"locale":44},"denaro-e-la-nostra-societa",{"value":662,"locale":38},{"value":665,"locale":40},"geld-en-onze-samenleving",{"value":665,"locale":39},{"value":668,"locale":46},"pieniadze-i-nasze-spoleczenstwo",{"value":670,"locale":34},"o-dinheiro-e-a-nossa-sociedade","166647385","Pieniądze i nasze społeczeństwo","174096250","\u003Cp>Każdy bank komercyjny kreuje pieniądze poprzez udzielanie pożyczek, jednak w przypadku masowego wycofywania środków (bank run) wisi nad nim widmo natychmiastowego bankructwa. Czy kryptowaluty takie jak Bitcoin i Ethereum, dzięki swojemu zdecentralizowanemu charakterowi, mogą stanowić w pełni bezpieczną alternatywę wobec tradycyjnego systemu bankowego?\u003C\u002Fp>",[676],{"__typename":677,"id":678,"body":679},"BodyRecord","bM5svZb9SjaymAq2jUPPNA",{"value":680,"blocks":698,"links":781},{"schema":681,"document":682},"dast",{"type":683,"children":684},"root",[685,691,694,696],{"type":686,"children":687},"paragraph",[688],{"type":689,"value":690},"span","Większość z nas nosi przy sobie jedynie znikome ilości gotówki. Zdecydowaną większość środków trzymamy zdeponowaną w banku. Ufamy, że nasze pieniądze są tam całkowicie bezpieczne i możemy je w każdej chwili swobodnie wypłacić. Zakładamy również, że nasze oszczędności z biegiem czasu zachowają swoją wartość i za 10 czy 20 lat kupimy za nie dokładnie tyle samo dóbr co dzisiaj. Ta głęboka wiara w tradycyjny system bankowy i stabilność walut opiera się na latach doświadczeń oraz mocnym przekonaniu, że banki centralne i rządy prowadzą w pełni odpowiedzialną politykę pieniężną.",{"item":692,"type":693},"Wyc18jA1SNim8W8fjrSGsg","block",{"item":695,"type":693},"Ln39ttcjQM-nIW_bllXiBQ",{"item":697,"type":693},"FYwJ16UPT5mWIs3YZs6lkw",[699,713,756],{"__typename":700,"id":692,"anchorId":701,"link":702,"body":703},"AnchorRecord","Inflacja jako skutek zwiększania podaży pieniądza","Zwiększanie podaży pieniądza",{"value":704,"blocks":711,"links":712},{"schema":681,"document":705},{"type":683,"children":706},[707],{"type":686,"children":708},[709],{"type":689,"value":710},"Pragniemy, aby nasze pieniądze były bezpieczne i stabilne, jednak w obecnym systemie walutowym nikt nam tego nie zagwarantuje. Sama tylko inflacja sprawia, że nasze środki nieustannie tracą na wartości. Inflation can result from increased demand, supply fluctuations, or the unlimited expansion of the money supply. Banki centralne, takie jak Europejski Bank Centralny (EBC) czy amerykańska Rezerwa Federalna, same się do tego przyczyniają, masowo kreując gotówkę oraz pieniądz elektroniczny. Robią to poprzez udzielanie pożyczek bankom komercyjnym i potężny skup obligacji skarbowych. , dowiesz się więcej o inflacji.",[],[],{"__typename":700,"id":695,"anchorId":714,"link":715,"body":716},"Kreacja pieniądza kredytowego przez banki","Kreacja pieniądza kredytowego",{"value":717,"blocks":754,"links":755},{"schema":681,"document":718},{"type":683,"children":719},[720,724,728,732,736,742,746,750],{"type":686,"children":721},[722],{"type":689,"value":723},"Co ciekawe: nie tylko banki centralne zajmują się , ale również same banki komercyjne. Zjawisko to fachowo określa się mianem \"wewnętrznej\" kreacji pieniądza lub kreacji pieniądza bezgotówkowego (kredytowego). Przyjrzyjmy się bliżej współczesnemu systemowi bankowemu: być może zastanawiałeś się kiedyś, skąd banki biorą te wszystkie gigantyczne sumy na udzielanie pożyczek osobistych i firmowych. Większość ludzi błędnie zakłada, że kredyty te są finansowane bezpośrednio ze środków leżących na naszych kontach oszczędnościowych. That’s not the case. Banki przyznają kredyty w sposób niemal całkowicie niezależny od zdeponowanych w nich funduszy. W praktyce potrafią wyczarować te pieniądze z powietrza. Ten proces kreacji pieniądza bezgotówkowego, formalnie nadzorowany przez banki centralne – takie jak Europejski Bank Centralny (EBC), Szwajcarski Bank Narodowy (SNB) czy Rezerwę Federalną – stanowi absolutny fundament współczesnego systemu finansowego.",{"type":686,"children":725},[726],{"type":689,"value":727},"Przeanalizujmy to na konkretnym przykładzie:",{"type":686,"children":729},[730],{"type":689,"value":731},"Carla Credito potrzebuje 20 000 EUR na otwarcie własnego salonu fryzjerskiego. Jej bank bez problemu udziela jej takiego kredytu, jednak przyznana kwota wcale nie pochodzi z oszczędności innego klienta. Zamiast tego bank po prostu \"tworzy\" te 20 000 EUR całkowicie \"z powietrza\" i magicznie księguje je na koncie Carli. W bankowych księgach kwota 20 000 EUR ląduje po stronie pasywów jako zobowiązanie (w formie depozytu) wobec Carli Credito. Ponieważ w bankowości stosuje się zasadę podwójnego zapisu, ta sama kwota równolegle trafia po stronie aktywów jako należność (roszczenie z tytułu udzielonego kredytu) od Carli Credito. Wynika to z faktu, że Carla ma prawny obowiązek spłacenia tych 20 000 EUR. I dokładnie w taki sposób bank powołał do życia zupełnie nowy pieniądz – 20 000 EUR, które jeszcze przed chwilą nie istniało. Warto jednak dodać, że te dodatkowe środki ulegają bezpowrotnemu zniszczeniu w momencie, gdy Carla spłaca swój kredyt.",{"type":686,"children":733},[734],{"type":689,"value":735},"Mechanizm ten nazywamy \"pieniądzem bankowym\" (skrypturalnym). Choć kwota figuruje jedynie jako cyfrowy zapis na koncie, można nią płacić dokładnie tak samo jak żywą gotówką. Carla Credito uses it for her hairdressing business. W efekcie świeżo wykreowany pieniądz zaczyna krążyć w gospodarce i ostatecznie z powrotem trafia jako depozyty na konta innych osób. Poprzez ten niekończący się cykl pożyczania, wydawania i deponowania, ilość pieniądza w całym systemie bankowym nieustannie się pomnaża. Właśnie ten precyzyjnie nakręcany mechanizm nazywamy kreacją pieniądza kredytowego.",{"type":686,"children":737},[738],{"type":689,"marks":739,"value":741},[740],"strong","Ograniczenia w kreacji pieniądza",{"type":686,"children":743},[744],{"type":689,"value":745},"Tworząc nowy pieniądz, banki są do pewnego stopnia hamowane przez odgórne regulacje finansowe, takie jak choćby ścisłe wymogi dotyczące płynności. Oznacza to kwotę w gotówce, którą banki muszą stale utrzymywać, aby umożliwić klientom wypłacanie środków.",{"type":686,"children":747},[748],{"type":689,"value":749},"Ponadto banki mają obowiązek utrzymywać określony procent wartości udzielonych kredytów w formie rezerwy pieniężnej, tak zwanej \"rezerwy obowiązkowej\", na swoim rachunku w banku centralnym. W strefie euro stopa rezerwy obowiązkowej wynosi obecnie 1%. Oznacza to, że jeśli bank chce udzielić kredytu w wysokości 10 000 EUR, musi zdeponować 100 EUR jako rezerwę obowiązkową.",{"type":686,"children":751},[752],{"type":689,"value":753},"Bank centralny ma możliwość korygowania stopy rezerwy obowiązkowej w określonych granicach. Rezerwa obowiązkowa pełni w bankach komercyjnych funkcję bufora płynności, gwarantując klientom możliwość wypłaty środków. Bank centralny wykorzystuje to narzędzie do ograniczania kreacji pieniądza w sektorze banków prywatnych. W ten sposób może wpływać na ilość pieniędzy, którymi dysponują banki na akcję kredytową, co z kolei przekłada się na stopy procentowe i stabilność wartości waluty. System rezerwy obowiązkowej jest uregulowany prawnie, a w Unii Europejskiej określają go statut EBC oraz rozporządzenie Rady UE.",[],[],{"__typename":700,"id":697,"anchorId":757,"link":758,"body":759},"Czym jest \"run na bank\"?","Panika bankowa (run na bank)",{"value":760,"blocks":779,"links":780},{"schema":681,"document":761},{"type":683,"children":762},[763,767,771,775],{"type":686,"children":764},[765],{"type":689,"value":766},"Model kreacji pieniądza przez banki niesie ze sobą różne ryzyka i jest ściśle powiązany z koncepcją tworzenia pieniądza kredytowego. Banki udzielają kredytów, które częściowo nie mają pokrycia w depozytach, lecz są tworzone \"z niczego\". Zjawisko to, znane jako mnożnik kreacji pieniądza, opiera się na zasadzie rezerw obowiązkowych, które banki muszą utrzymywać w bankach centralnych. Istnieje jednak ryzyko paniki bankowej (runu na bank), podczas której duża liczba klientów jednocześnie próbuje wycofać swoje depozyty, co prowadzi do problemów z płynnością. W rezultacie bank może stać się niewypłacalny, co z kolei stwarza ryzyko utraty depozytów przez klientów.",{"type":686,"children":768},[769],{"type":689,"value":770},"Niedawny przykład masowego wycofywania środków miał miejsce w marcu 2023 roku w Stanach Zjednoczonych i dotknął Silicon Valley Bank oraz Silvergate Bank. Sytuacja ta przypominała wydarzenia z przeszłości, takie jak kryzys finansowy po 2007 roku, który doprowadził do runów na banki takie jak brytyjski Northern Rock Bank czy szwajcarski UBS. Historycznym przykładem jest fala upadłości banków po krachu na nowojorskiej giełdzie w 1929 roku, podczas której około 40% amerykańskich banków stało się niewypłacalnych.",{"type":686,"children":772},[773],{"type":689,"value":774},"Praktyka kreacji pieniądza przez banki budzi dziś wiele kontrowersji i jest przedmiotem ożywionych dyskusji. Krytycy twierdzą, że banki tworzą pieniądze głównie w okresach ożywienia gospodarczego, natomiast wstrzymują się od tego podczas kryzysów, co prowadzi do niedoboru środków na rynku. Takie zachowanie potęguje bańki spekulacyjne, kryzysy finansowe oraz inflację.",{"type":686,"children":776},[777],{"type":689,"value":778},"Nic więc dziwnego, że coraz częściej pojawiają się wezwania do objęcia ściślejszą kontrolą wzrostu podaży pieniądza. Niektórzy wręcz opowiadają się za alternatywnymi systemami finansowymi, które zapewnią depozytom większe bezpieczeństwo i stabilność. Aby skutecznie i trwale sprostać tym wyzwaniom, bada się różne alternatywne modele finansowe, kładące nacisk na zasady uczciwości, demokracji i decentralizacji — do tej grupy należą kryptowaluty, takie jak Bitcoin, Ethereum czy Solana. W przeciwieństwie do tradycyjnych walut kryptowaluty nie mogą zostać zdewaluowane przez banki centralne ani rządy. Ponadto kryptoaktywa nie mogą po prostu wyparować w przypadku kryzysu. W rezultacie nie dziwi fakt, że coraz więcej osób postrzega kryptowaluty jako potencjalne rozwiązanie problemu stabilnego i niezależnego systemu walutowego.",[],[],[],{"url":783,"width":784,"height":155,"alt":616,"mimeType":785,"responsiveImage":786},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1694801851-discover_geldunderspartes.jpg",2712,"image\u002Fjpeg",{"srcSet":787,"webpSrcSet":787,"sizes":788,"src":789,"width":790,"height":791,"aspectRatio":792,"alt":616,"title":793,"bgColor":794,"base64":795},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1694801851-discover_geldunderspartes.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.25&fit=crop&fm=webp&q=75&w=1200 300w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1694801851-discover_geldunderspartes.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.5&fit=crop&fm=webp&q=75&w=1200 600w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1694801851-discover_geldunderspartes.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.75&fit=crop&fm=webp&q=75&w=1200 900w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1694801851-discover_geldunderspartes.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&fit=crop&fm=webp&q=75&w=1200 1200w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1694801851-discover_geldunderspartes.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=1.5&fit=crop&fm=webp&q=75&w=1200 1800w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1694801851-discover_geldunderspartes.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=2&fit=crop&fm=webp&q=75&w=1200 2400w","(max-width: 1200px) 100vw, 1200px","https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1694801851-discover_geldunderspartes.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&fit=crop&fm=webp&q=75&w=1200",1200,800,1.5,"Woman with blue headband sitting in sunlight","#b4694e","data:image\u002Fjpeg;base64,\u002F9j\u002F4AAQSkZJRgABAQAAAQABAAD\u002F2wCEAAoHBwgHBgoICAgLChELDhgQDQ0VERUYDg0WFxMZGBYVFhUmHysjHR0oHRUWJDUlKC0vMjIyGSI4PTcwPCsxMi8BCgsLDgoJEhANHS8cFhwvLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vL\u002F\u002FAABEIABAAGAMBIgACEQEDEQH\u002FxAAYAAACAwAAAAAAAAAAAAAAAAAABAECBf\u002FEABwQAAEEAwEAAAAAAAAAAAAAAAEAAgMRBAUTEv\u002FEABUBAQEAAAAAAAAAAAAAAAAAAAUD\u002F8QAGBEAAwEBAAAAAAAAAAAAAAAAAAECEhH\u002F2gAMAwEAAhEDEQA\u002FAM1rz2AT3Uw0bUYOtfk5IAT+z0U8YbSOlMSqkU7yzMHlCZwtdNHCLQqcZLSP\u002F9k=","7 min","Oto jak powstaje pieniądz i jaki ma to wpływ na Twoje oszczędności.",[799,813,830],{"__typename":800,"_modelApiKey":579,"id":801,"slug":802,"title":803,"category":804,"image":806,"readTime":812},"ArticleRecord","175337659","kryptowaluty-wyjasnienie-prosto","Cryptocurrencies explained simply.",{"_modelApiKey":646,"slug":805},"wszechswiat-kryptowalut",{"url":807,"width":808,"height":809,"alt":810,"mimeType":811,"responsiveImage":18},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689226299-cryptonow_illustration_aid26_opener-904x603.svg",904,603,"Erklärung von Kryptowährungen auf einfache Weise.","image\u002Fsvg+xml","6 min",{"__typename":800,"_modelApiKey":579,"id":814,"slug":815,"title":816,"category":817,"image":818,"readTime":829},"173906456","jak-bitcoin-i-inne-kryptowaluty-rewolucjonizuja-system-finansowy","W jaki sposób Bitcoin odmienia świat finansów.",{"_modelApiKey":646,"slug":668},{"url":819,"width":784,"height":155,"alt":820,"mimeType":785,"responsiveImage":821},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg","A woman walking in front of a bank",{"srcSet":822,"webpSrcSet":822,"sizes":823,"src":824,"width":825,"height":826,"aspectRatio":792,"alt":820,"title":320,"bgColor":827,"base64":828},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.25&fit=crop&fm=webp&q=75&w=600 150w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.5&fit=crop&fm=webp&q=75&w=600 300w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.75&fit=crop&fm=webp&q=75&w=600 450w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&fit=crop&fm=webp&q=75&w=600 600w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=1.5&fit=crop&fm=webp&q=75&w=600 900w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=2&fit=crop&fm=webp&q=75&w=600 1200w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=3&fit=crop&fm=webp&q=75&w=600 1800w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=4&fit=crop&fm=webp&q=75&w=600 2400w","(max-width: 600px) 100vw, 600px","https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&fit=crop&fm=webp&q=75&w=600",600,400,"#cbaa77","data:image\u002Fjpeg;base64,\u002F9j\u002F4AAQSkZJRgABAQAAAQABAAD\u002F2wCEAAoHBwgHBgoICAgLFQoLDhgQFhUNDh0VFRUVFx8cGBYTFhUdHzcjGh0oHRUWJDUlKC0vMjIyGSI4PTcwPCsxMi8BCgsLDg0OHBAQFS8cFhwvLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vL\u002F\u002FAABEIABAAGAMBIgACEQEDEQH\u002FxAAXAAEBAQEAAAAAAAAAAAAAAAAFAAYE\u002F8QAHhAAAQQCAwEAAAAAAAAAAAAAAgABBQYEERIxQQP\u002FxAAWAQEBAQAAAAAAAAAAAAAAAAACAwH\u002FxAAWEQEBAQAAAAAAAAAAAAAAAAABAAL\u002F2gAMAwEAAhEDEQA\u002FAFoyRbHlT0bdIKMsBlfvoO\u002FVR8BJtNmxG\u002FS4IquZYXoyd\u002FVMcytfg5oFeOREykXjwua930xOpBc23\u002F\u002FZ","5 min",{"__typename":800,"_modelApiKey":579,"id":831,"slug":832,"title":833,"category":834,"image":835,"readTime":829},"174768914","te-10-krajow-najczesciej-uzywaja-bitcoina-w-2025","W tych 10 krajach Bitcoin i pozostałe kryptowaluty cieszą się największą popularnością.",{"_modelApiKey":646,"slug":668},{"url":836,"width":808,"height":809,"alt":837,"mimeType":811,"responsiveImage":18},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1759480813-cryptonow_illustration_aid11_opener_map-2025_904x603-2.svg","Bitcoin countries",[],{"blocks":840},[841],{"__typename":842,"id":843,"title":844,"media":845},"SectionDiscoverCategoryListRecord","PTNjME8xRgW0YMfRVpqPVw","All categories",{"url":846,"width":847,"height":848,"alt":849,"mimeType":785,"responsiveImage":850},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1705487929-image_mission.jpg",8151,5706,"Macro shot of a person's face with freckles, showing a closed eye and soft natural lighting highlighting skin texture",{"srcSet":851,"webpSrcSet":851,"sizes":852,"src":853,"width":791,"height":854,"aspectRatio":855,"alt":849,"title":856,"bgColor":857,"base64":858},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1705487929-image_mission.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.25&fit=crop&fm=webp&q=75&w=800 200w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1705487929-image_mission.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.5&fit=crop&fm=webp&q=75&w=800 400w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1705487929-image_mission.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.75&fit=crop&fm=webp&q=75&w=800 600w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1705487929-image_mission.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&fit=crop&fm=webp&q=75&w=800 800w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1705487929-image_mission.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=1.5&fit=crop&fm=webp&q=75&w=800 1200w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1705487929-image_mission.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=2&fit=crop&fm=webp&q=75&w=800 1600w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1705487929-image_mission.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=3&fit=crop&fm=webp&q=75&w=800 2400w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1705487929-image_mission.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=4&fit=crop&fm=webp&q=75&w=800 3200w","(max-width: 800px) 100vw, 800px","https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1705487929-image_mission.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&fit=crop&fm=webp&q=75&w=800",533,1.5009380863039399,"Close-up of a freckled face with closed eye","#865c3c","data:image\u002Fjpeg;base64,\u002F9j\u002F4AAQSkZJRgABAQAAAQABAAD\u002F2wCEAAoHBwgHBgoICAgLFgoXDhgNFg0KDhUSDQ0YFxYZGBYVIiEaHysjGh0oHRUWJDUlKC0vMjIyGSI4PTcwPC0xMi8BCgsLDg0OFQ0NFS8cFhwvLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vL\u002F\u002FAABEIABAAGAMBIgACEQEDEQH\u002FxAAXAAEAAwAAAAAAAAAAAAAAAAAGAAQF\u002F8QAHhAAAgICAgMAAAAAAAAAAAAAAQMABAIFEVETFEH\u002FxAAVAQEBAAAAAAAAAAAAAAAAAAAEAv\u002FEABcRAQEBAQAAAAAAAAAAAAAAAAACEgH\u002F2gAMAwEAAhEDEQA\u002FACLWY5WAIv0rPFW5B+QSpObLWMb62k31gB1DWXHGlrbjDbPEkrVFMr2CZJK8v\u002F\u002FZ",{"_allHelpTopicsMeta":860,"allDiscoverCategories":862},{"count":861},8,[863,868,873,876],{"_modelApiKey":646,"title":864,"slug":865,"icon":866,"publishTranslation":66},"Wskazówki dotyczące bezpieczeństwa","wskazowki-bezpieczenstwa",{"name":867},"lock-topics",{"_modelApiKey":646,"title":869,"slug":870,"icon":871,"publishTranslation":66},"Innowacja blockchain","innowacje-blockchain",{"name":872},"blockchain-topics",{"_modelApiKey":646,"title":672,"slug":668,"icon":874,"publishTranslation":66},{"name":875},"coins-topics",{"_modelApiKey":646,"title":877,"slug":805,"icon":878,"publishTranslation":66},"Wszechświat kryptowalut",{"name":879},"currency-btc-circle-topics",{"_allArticlesMeta":881,"allArticles":883},{"count":882},9,[884,896,905],{"_modelApiKey":579,"topStory":348,"level":885,"category":886,"summary":887,"id":888,"image":889,"title":894,"readTime":829,"slug":895,"publishTranslation":66},{"id":529,"title":530},{"_modelApiKey":646,"title":672,"slug":668},"\u003Cp>Zapraszamy w fascynującą podróż po kartach historii pieniądza! Dołącz do nas i prześledźmy razem ewolucję systemów płatniczych na przestrzeni tysiącleci. Poczynając od prymitywnego handlu wymiennego z czasów prehistorycznych, przez ustanowienie standardu złota, aż po pojawienie się pieniądza papierowego – idea pieniądza podlegała nieustannym przemianom i ciągłej ewolucji.\u003C\u002Fp>","201452894",{"url":890,"width":891,"height":892,"alt":893,"mimeType":811,"responsiveImage":18},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1691348562-cryptonow_illustration_aid1_opener-quick-guide_765x510.svg",765,510,"evolution of money","Jak narodził się pieniądz i co przyniesie jego przyszłość.","jak-powstal-nasz-system-monetarny-i-jego-przyszlosc",{"_modelApiKey":579,"topStory":348,"level":897,"category":898,"summary":899,"id":814,"image":900,"title":816,"readTime":829,"slug":815,"publishTranslation":66},{"id":529,"title":530},{"_modelApiKey":646,"title":672,"slug":668},"\u003Cp>W naszym scentralizowanym systemie finansowym rządy mogą emitować i kontrolować walutę euro za pośrednictwem Europejskiego Banku Centralnego (EBC). Jesteśmy zmuszeni ślepo ufać ich decyzjom. Nowe, cyfrowe kryptowaluty – takie jak Bitcoin czy Ethereum – mogą przetrzeć szlak ku znacznie sprawiedliwszemu i bardziej demokratycznemu systemowi finansowemu.\u003C\u002Fp>",{"url":819,"width":784,"height":155,"alt":820,"mimeType":785,"responsiveImage":901},{"srcSet":902,"webpSrcSet":902,"sizes":852,"src":903,"width":791,"height":854,"aspectRatio":855,"alt":820,"title":320,"bgColor":827,"base64":904},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.25&fit=crop&fm=webp&q=75&w=800 200w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.5&fit=crop&fm=webp&q=75&w=800 400w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=0.75&fit=crop&fm=webp&q=75&w=800 600w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&fit=crop&fm=webp&q=75&w=800 800w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=1.5&fit=crop&fm=webp&q=75&w=800 1200w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=2&fit=crop&fm=webp&q=75&w=800 1600w,https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&dpr=3&fit=crop&fm=webp&q=75&w=800 2400w","https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg?ar64=Mzoy&auto=compress&crop=focalpoint&fit=crop&fm=webp&q=75&w=800","data:image\u002Fjpeg;base64,\u002F9j\u002F4AAQSkZJRgABAQAAAQABAAD\u002F2wCEAAoHBwgHBgoICAgLCgoLDhgQFxUNDh0VDxUVFx8eGBYTFhUdHysjGh0oHRUWJDUlKC0vMjIyGSI4PTcwPCsxMi8BCgsLDg0OGhAQFS8cFhwvLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vL\u002F\u002FAABEIABAAGAMBIgACEQEDEQH\u002FxAAXAAEBAQEAAAAAAAAAAAAAAAAFAAYE\u002F8QAHhAAAQQCAwEAAAAAAAAAAAAAAgABBQYEERIxQQP\u002FxAAWAQEBAQAAAAAAAAAAAAAAAAACAwH\u002FxAAWEQEBAQAAAAAAAAAAAAAAAAABAAL\u002F2gAMAwEAAhEDEQA\u002FAFoyRbHlT0bdIKMsBlfvoO\u002FVR8BJtNmxG\u002FS4IquZYXoyd\u002FVMcytfg5oFeOREykXjwua930xOpBc23\u002F\u002FZ",{"_modelApiKey":579,"topStory":348,"level":906,"category":907,"summary":908,"id":909,"image":910,"title":914,"readTime":915,"slug":916,"publishTranslation":66},{"id":529,"title":530},{"_modelApiKey":646,"title":672,"slug":668},"\u003Cp>Zarówno kryptowaluty, jak i cyfrowy pieniądz banku centralnego są obecnie szeroko dyskutowanymi tematami w świecie finansów. Jednak wiele osób nie zdaje sobie sprawy, że te dwa pojęcia znacznie się od siebie różnią. W tym artykule omówimy kluczowe różnice między kryptowalutami a cyfrowym pieniądzem banku centralnego.\u003C\u002Fp>","174653422",{"url":911,"width":808,"height":912,"alt":913,"mimeType":811,"responsiveImage":18},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689137009-cryptonow_illustration_aid6_opener_904x603-36.svg",604,"central bank","Krypto a cyfrowe euro EBC.","8 min","kryptowaluty-vs-cyfrowa-waluta-banku-centralnego-cbdc-ecb",1789113488977]