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Proteja o seu poder de compra com educação financeira.",{"tag":579,"attributes":590,"content":18},{"property":591,"content":588},"og:description",{"tag":579,"attributes":593,"content":18},{"name":594,"content":588},"twitter:description",{"tag":579,"attributes":596,"content":18},{"property":597,"content":598},"og:image","https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1694801851-discover_geldunderspartes.jpg?auto=format&fit=max&w=1200",{"tag":579,"attributes":600,"content":18},{"property":601,"content":602},"og:image:width","1200",{"tag":579,"attributes":604,"content":18},{"property":605,"content":606},"og:image:height","800",{"tag":579,"attributes":608,"content":18},{"property":609,"content":610},"og:image:alt","Portrait of a thoughtful woman wearing a blue headband and beige blazer, sitting in warm sunlight",{"tag":579,"attributes":612,"content":18},{"name":613,"content":598},"twitter:image",{"tag":579,"attributes":615,"content":18},{"name":616,"content":610},"twitter:image:alt",{"tag":579,"attributes":618,"content":18},{"property":619,"content":34},"og:locale",{"tag":579,"attributes":621,"content":18},{"property":622,"content":573},"og:type",{"tag":579,"attributes":624,"content":18},{"property":625,"content":6},"og:site_name",{"tag":579,"attributes":627,"content":18},{"property":628,"content":629},"article:modified_time","2026-08-03T11:32:56Z",{"tag":579,"attributes":631,"content":18},{"property":632,"content":49},"article:publisher",{"tag":579,"attributes":634,"content":18},{"name":635,"content":636},"twitter:card","summary_large_image","2023-07-11T15:54:00+02:00",{"_modelApiKey":639,"_allSlugLocales":640,"id":662,"title":663,"slug":661},"discover_category",[641,643,645,646,647,648,650,652,653,654,656,657,659,660],{"value":642,"locale":32},"money-and-our-society",{"value":644,"locale":41},"geld-im-wandel",{"value":644,"locale":42},{"value":644,"locale":35},{"value":642,"locale":43},{"value":649,"locale":33},"el-dinero-y-nuestra-sociedad",{"value":651,"locale":37},"argent-et-notre-societe",{"value":651,"locale":45},{"value":651,"locale":36},{"value":655,"locale":44},"denaro-e-la-nostra-societa",{"value":655,"locale":38},{"value":658,"locale":40},"geld-en-onze-samenleving",{"value":658,"locale":39},{"value":661,"locale":34},"o-dinheiro-e-a-nossa-sociedade","166647385","Dinheiro e a nossa sociedade","174096250","\u003Cp>Todos os bancos comerciais podem criar dinheiro através de empréstimos, mas arriscam a falência no caso de uma corrida aos bancos. As criptomoedas como o Bitcoin e a Ethereum, com a sua natureza descentralizada, poderão oferecer uma alternativa segura aos sistemas bancários tradicionais?\u003C\u002Fp>",[667],{"__typename":668,"id":669,"body":670},"BodyRecord","XzYcrwmkQzWDWZ9D1Ih17w",{"value":671,"blocks":689,"links":772},{"schema":672,"document":673},"dast",{"type":674,"children":675},"root",[676,682,685,687],{"type":677,"children":678},"paragraph",[679],{"type":680,"value":681},"span","A maioria de nós transporta apenas uma pequena quantia de dinheiro em numerário. A maior parte do nosso dinheiro é mantida no banco. Confiamos que está seguro lá e que o podemos levantar a qualquer momento. Também assumimos que as nossas poupanças manterão o seu valor a longo prazo e que poderemos comprar tanto com elas daqui a 10 ou 20 anos como podemos hoje. Esta confiança no sistema bancário tradicional e na estabilidade da moeda baseia-se em anos de experiência e no pressuposto de que os bancos centrais e os governos gerem a política monetária de forma responsável.",{"item":683,"type":684},"Rj520_pHTkWZvtQvUV-HLA","block",{"item":686,"type":684},"StjMhBL9ROeJN3TTA5RawA",{"item":688,"type":684},"Orx9QZSaTBGGCwqL2Lf52Q",[690,704,747],{"__typename":691,"id":683,"anchorId":692,"link":693,"body":694},"AnchorRecord","Inflação através da expansão da oferta monetária","Expansão da oferta monetária",{"value":695,"blocks":702,"links":703},{"schema":672,"document":696},{"type":674,"children":697},[698],{"type":677,"children":699},[700],{"type":680,"value":701},"Desejamos segurança e estabilidade para o nosso dinheiro, mas estas não são garantidas no nosso sistema monetário. Só a inflação desvaloriza continuamente o nosso dinheiro. A inflação pode resultar do aumento da procura, de flutuações na oferta ou da expansão ilimitada da oferta monetária. Os bancos centrais, como o Banco Central Europeu (BCE) ou a Reserva Federal, contribuem para isto ao criar dinheiro em numerário e eletrónico. Fazem-no ao conceder empréstimos aos bancos e ao comprar obrigações do Estado. , pode ler mais sobre a inflação.",[],[],{"__typename":691,"id":686,"anchorId":705,"link":706,"body":707},"Criação de crédito bancário","Criação de crédito",{"value":708,"blocks":745,"links":746},{"schema":672,"document":709},{"type":674,"children":710},[711,715,719,723,727,733,737,741],{"type":677,"children":712},[713],{"type":680,"value":714},"O que muitos de nós não sabem: não é apenas o banco central que pratica , mas também os próprios bancos comerciais. Isto é conhecido como criação de dinheiro interna; ou criação de dinheiro de crédito. Vejamos mais de perto o sistema bancário atual: talvez já se tenha perguntado de onde vem todo o dinheiro que os bancos emprestam sob a forma de empréstimos pessoais ou empresariais. Muitas pessoas acreditam que estes empréstimos vêm dos depósitos que temos nas nossas contas bancárias. Não é esse o caso. Os bancos concedem empréstimos em grande medida independentemente dos depósitos. Essencialmente, criam este dinheiro do nada. Este fenómeno de criação de dinheiro de crédito, regulado por bancos centrais como o Banco Central Europeu (BCE), o Banco Nacional Suíço (BNS) ou a Reserva Federal, é um aspeto crucial do sistema financeiro moderno.",{"type":677,"children":716},[717],{"type":680,"value":718},"Vamos explicar isto com um exemplo concreto:",{"type":677,"children":720},[721],{"type":680,"value":722},"Carla Credito precisa de 20 000€ para o seu negócio de cabeleireiro. O banco dela concede-lhe este empréstimo, mas o montante não vem da conta bancária de outro cliente. Em vez disso, o banco cria os 20 000€ do nada e credita esse valor como saldo na conta de Carla Credito. Na sua contabilidade, o banco regista os 20 000€ no lado do passivo do balanço como um passivo (o depósito) perante Carla Credito. Como os bancos usam a contabilidade por partidas dobradas, o mesmo montante também é registado no lado do ativo como um crédito a receber (empréstimo a receber) sobre Carla Credito. Isto deve-se ao facto de Carla Credito ser obrigada a reembolsar os 20 000€. Desta forma, o banco criou novo dinheiro — 20 000€ que antes não existiam. No entanto, este dinheiro adicional é destruído quando Carla Credito reembolsa o empréstimo.",{"type":677,"children":724},[725],{"type":680,"value":726},"Isto é conhecido como dinheiro. O montante é registado, mas pode ser usado tal como dinheiro em numerário. Carla Credito usa-o para o seu negócio de cabeleireiro. Como resultado, o dinheiro circula na economia e pode voltar a ser depositado em contas bancárias. Através deste processo de conceder empréstimos, gastar e depositar, o dinheiro dentro do sistema bancário multiplica-se. Isto é conhecido como criação de dinheiro através do dinheiro de crédito.",{"type":677,"children":728},[729],{"type":680,"marks":730,"value":732},[731],"strong","Criação limitada de dinheiro",{"type":677,"children":734},[735],{"type":680,"value":736},"Ao criar dinheiro, os bancos estão parcialmente vinculados a regulamentos, como os requisitos de liquidez. Isto refere-se à quantidade de dinheiro em numerário que devem manter sempre disponível para permitir que os clientes levantem dinheiro.",{"type":677,"children":738},[739],{"type":680,"value":740},"Além disso, são obrigados a manter uma determinada percentagem dos montantes dos seus empréstimos como reserva monetária, chamada reserva mínima, na sua conta no banco central. Na Zona Euro, o rácio de reserva mínima está atualmente fixado em 1%. Isto significa que, se um banco quiser conceder um empréstimo de 10 000€, tem de depositar 100€ como reserva mínima.",{"type":677,"children":742},[743],{"type":680,"value":744},"O banco central tem a capacidade de ajustar o rácio de reserva mínima dentro de certos limites. A reserva mínima funciona como um amortecedor de liquidez para os bancos comerciais, para garantir os levantamentos dos clientes. Esta ferramenta é usada pelo banco central para limitar a criação de dinheiro no setor bancário privado. Ao fazê-lo, pode influenciar a quantidade de dinheiro disponível para os bancos concederem empréstimos, o que, por sua vez, afeta as taxas de juro e a estabilidade do valor da moeda. O sistema de reserva mínima é regulado por lei; na UE, através do estatuto do BCE e do regulamento do Conselho CE.",[],[],{"__typename":691,"id":688,"anchorId":748,"link":749,"body":750},"O que é uma \"corrida aos bancos\"?","Corrida aos bancos",{"value":751,"blocks":770,"links":771},{"schema":672,"document":752},{"type":674,"children":753},[754,758,762,766],{"type":677,"children":755},[756],{"type":680,"value":757},"O modelo de criação de dinheiro dos bancos acarreta vários riscos e está intimamente ligado ao conceito de criação de dinheiro de crédito. Os bancos concedem empréstimos que estão parcialmente sem cobertura por depósitos, sendo em vez disso criados. Este fenómeno, conhecido como multiplicador do crédito, baseia-se no princípio das reservas mínimas que os bancos devem manter nos bancos centrais. No entanto, existe o risco de uma corrida aos bancos, em que um grande número de clientes tenta simultaneamente levantar os seus depósitos, o que leva a problemas de liquidez. Como resultado, o banco pode tornar-se insolvente, o que pode levar os clientes a perder os seus depósitos.",{"type":677,"children":759},[760],{"type":680,"value":761},"Um exemplo recente de uma corrida aos bancos ocorreu em março de 2023 nos Estados Unidos, afetando o Silicon Valley Bank e o Silvergate Bank. Isto fez eco de acontecimentos passados, como a crise financeira após 2007, que levou a corridas aos bancos como o Northern Rock Bank do Reino Unido e o UBS da Suíça. Um exemplo histórico é a vaga de falências bancárias após o crash bolsista de Nova Iorque de 1929, durante a qual cerca de 40% dos bancos americanos se tornaram insolventes.",{"type":677,"children":763},[764],{"type":680,"value":765},"A prática de criação de dinheiro pelos bancos é hoje um tema de debate intenso. Os críticos argumentam que os bancos criam dinheiro predominantemente durante períodos de expansão económica, mas não o fazem durante as crises, o que resulta numa escassez de dinheiro. Este comportamento agrava bolhas, crises financeiras e inflação.",{"type":677,"children":767},[768],{"type":680,"value":769},"Sem surpresa, há um apelo crescente a um controlo mais rigoroso do crescimento da oferta monetária. Alguns defendem até sistemas financeiros alternativos que ofereçam maior segurança e estabilidade aos depósitos. Para enfrentar estes desafios de forma sustentável, estão a ser explorados vários modelos financeiros alternativos, com ênfase em princípios justos, democráticos e descentralizados — como as criptomoedas como o Bitcoin, a Ethereum ou a Solana. Ao contrário das moedas tradicionais, as criptomoedas não podem ser desvalorizadas pelos bancos centrais nem pelos governos. Além disso, os criptoativos não podem simplesmente desaparecer em caso de crise. Como resultado, não é surpreendente que cada vez mais pessoas vejam as criptomoedas como uma solução potencial para um sistema monetário estável e independente.",[],[],[],{"url":774,"width":775,"height":154,"alt":610,"mimeType":776,"responsiveImage":777},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1694801851-discover_geldunderspartes.jpg",2712,"image\u002Fjpeg",{"srcSet":778,"webpSrcSet":778,"sizes":779,"src":780,"width":781,"height":782,"aspectRatio":783,"alt":610,"title":18,"bgColor":784,"base64":785},"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,"#b4694e","data:image\u002Fjpeg;base64,\u002F9j\u002F4AAQSkZJRgABAQAAAQABAAD\u002F2wCEAAoHBwgHBgoICAgLChELDhgQDQ0VERUYDg0WFxMZGBYVFhUmHysjHR0oHRUWJDUlKC0vMjIyGSI4PTcwPCsxMi8BCgsLDgoJEhANHS8cFhwvLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vLy8vL\u002F\u002FAABEIABAAGAMBIgACEQEDEQH\u002FxAAYAAACAwAAAAAAAAAAAAAAAAAABAECBf\u002FEABwQAAEEAwEAAAAAAAAAAAAAAAEAAgMRBAUTEv\u002FEABUBAQEAAAAAAAAAAAAAAAAAAAUD\u002F8QAGBEAAwEBAAAAAAAAAAAAAAAAAAECEhH\u002F2gAMAwEAAhEDEQA\u002FAM1rz2AT3Uw0bUYOtfk5IAT+z0U8YbSOlMSqkU7yzMHlCZwtdNHCLQqcZLSP\u002F9k=","7 min.","É assim que o dinheiro é criado e o que isso significa para as suas poupanças.",[789,803,820],{"__typename":790,"_modelApiKey":573,"id":791,"slug":792,"title":793,"category":794,"image":796,"readTime":802},"ArticleRecord","175337659","criptomoedas-explicadas-de-forma-simples","Criptomoedas explicadas de forma simples.",{"_modelApiKey":639,"slug":795},"universo-criptomoedas",{"url":797,"width":798,"height":799,"alt":800,"mimeType":801,"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":790,"_modelApiKey":573,"id":804,"slug":805,"title":806,"category":807,"image":808,"readTime":819},"173906456","como-o-bitcoin-e-outras-criptomoedas-revolucionam-o-sistema-financeiro","Como o Bitcoin está a revolucionar as finanças.",{"_modelApiKey":639,"slug":661},{"url":809,"width":775,"height":154,"alt":810,"mimeType":776,"responsiveImage":811},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689083280-discover_gelfschopfung.jpg","A woman walking in front of a bank",{"srcSet":812,"webpSrcSet":812,"sizes":813,"src":814,"width":815,"height":816,"aspectRatio":783,"alt":810,"title":317,"bgColor":817,"base64":818},"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":790,"_modelApiKey":573,"id":821,"slug":822,"title":823,"category":824,"image":825,"readTime":819},"174768914","os-10-paises-que-mais-usam-bitcoin-em-2025","Estes 10 países são os que mais usam Bitcoin & Co.",{"_modelApiKey":639,"slug":661},{"url":826,"width":798,"height":799,"alt":827,"mimeType":801,"responsiveImage":18},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1759480813-cryptonow_illustration_aid11_opener_map-2025_904x603-2.svg","Bitcoin countries",[],{"blocks":830},[831],{"__typename":832,"id":833,"title":834,"media":835},"SectionDiscoverCategoryListRecord","PTNjME8xRgW0YMfRVpqPVw","All categories",{"url":836,"width":837,"height":838,"alt":839,"mimeType":776,"responsiveImage":840},"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":841,"webpSrcSet":841,"sizes":842,"src":843,"width":782,"height":844,"aspectRatio":845,"alt":839,"title":846,"bgColor":847,"base64":848},"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":850,"allDiscoverCategories":852},{"count":851},8,[853,858,863,866],{"_modelApiKey":639,"title":854,"slug":855,"icon":856,"publishTranslation":65},"Dicas de segurança","conselhos-de-seguranca",{"name":857},"lock-topics",{"_modelApiKey":639,"title":859,"slug":860,"icon":861,"publishTranslation":65},"Inovação em blockchain","inovacao-blockchain",{"name":862},"blockchain-topics",{"_modelApiKey":639,"title":663,"slug":661,"icon":864,"publishTranslation":65},{"name":865},"coins-topics",{"_modelApiKey":639,"title":867,"slug":795,"icon":868,"publishTranslation":65},"Universo das criptomoedas",{"name":869},"currency-btc-circle-topics",{"_allArticlesMeta":871,"allArticles":873},{"count":872},9,[874,886,895],{"_modelApiKey":573,"topStory":345,"level":875,"category":876,"summary":877,"id":878,"image":879,"title":884,"readTime":819,"slug":885,"publishTranslation":65},{"id":526,"title":527},{"_modelApiKey":639,"title":663,"slug":661},"\u003Cp>Bem-vindo a esta fascinante viagem pela história do dinheiro! Junte-se a nós para explorar a evolução do dinheiro ao longo dos milénios. Da troca direta primitiva dos primeiros seres humanos à introdução do padrão-ouro e ao aparecimento do papel-moeda, o conceito de dinheiro transformou-se e evoluiu continuamente.\u003C\u002Fp>","201452894",{"url":880,"width":881,"height":882,"alt":883,"mimeType":801,"responsiveImage":18},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1691348562-cryptonow_illustration_aid1_opener-quick-guide_765x510.svg",765,510,"evolution of money","Como o nosso dinheiro foi criado e qual é o seu futuro.","como-surgiu-o-nosso-sistema-monetario-e-o-seu-futuro",{"_modelApiKey":573,"topStory":345,"level":887,"category":888,"summary":889,"id":804,"image":890,"title":806,"readTime":819,"slug":805,"publishTranslation":65},{"id":526,"title":527},{"_modelApiKey":639,"title":663,"slug":661},"\u003Cp>No nosso sistema monetário centralizado, o governo pode criar e controlar euros através do Banco Central Europeu (BCE). Temos de confiar nas suas decisões. Novas criptomoedas digitais como Bitcoin, Ethereum e outras podem conduzir a um sistema monetário mais justo e mais democrático.\u003C\u002Fp>",{"url":809,"width":775,"height":154,"alt":810,"mimeType":776,"responsiveImage":891},{"srcSet":892,"webpSrcSet":892,"sizes":842,"src":893,"width":782,"height":844,"aspectRatio":845,"alt":810,"title":317,"bgColor":817,"base64":894},"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":573,"topStory":345,"level":896,"category":897,"summary":898,"id":899,"image":900,"title":904,"readTime":905,"slug":906,"publishTranslation":65},{"id":526,"title":527},{"_modelApiKey":639,"title":663,"slug":661},"\u003Cp>Tanto as criptomoedas como o dinheiro digital do banco central são atualmente temas amplamente debatidos no mundo financeiro. No entanto, o que muitas pessoas não sabem é que estes dois termos diferem significativamente entre si. Neste artigo, destacamos as principais diferenças entre as criptomoedas e o dinheiro digital do banco central.\u003C\u002Fp>","174653422",{"url":901,"width":798,"height":902,"alt":903,"mimeType":801,"responsiveImage":18},"https:\u002F\u002Fwww.datocms-assets.com\u002F166188\u002F1689137009-cryptonow_illustration_aid6_opener_904x603-36.svg",604,"central bank","Crypto vs. euro digital do BCE.","8 min.","criptomoedas-vs-moeda-digital-banco-central-cbdc-bce",1786030704686]