{
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    "date": "2026-05-06T09:08:32",
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    "modified_gmt": "2026-05-06T03:55:35",
    "slug": "citi-exec-says-fragmented-crypto-systems-risk-repeating-old-banking-problems",
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    "link": "https:\/\/hbbgroup.net\/en_us\/citi-exec-says-fragmented-crypto-systems-risk-repeating-old-banking-problems\/",
    "title": {
        "rendered": "L\u00e3nh \u0111\u1ea1o c\u1ee7a Citigroup cho bi\u1ebft c\u00e1c h\u1ec7 th\u1ed1ng crypto ph\u00e2n m\u1ea3nh c\u00f3 nguy c\u01a1 l\u1eb7p l\u1ea1i nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u0169 c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng."
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        "rendered": "<div data-module-name=\"article-header\" data-module-version=\"1.0.0\" data-module-instance=\"default\">\n<p><strong>C\u00e1c n\u1ed7 l\u1ef1c ph\u00e1t tri\u1ec3n ti\u1ec1n tokenized \u0111ang \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u gi\u1edbi h\u1ea1n khi kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p y\u00eau c\u1ea7u h\u1ec7 th\u1ed1ng thanh to\u00e1n th\u1eddi gian th\u1ef1c c\u00f3 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng li\u1ec1n m\u1ea1ch gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng, theo Ryan Rugg c\u1ee7a Citigroup ph\u00e1t bi\u1ec3u t\u1ea1i Consensus Miami.<\/strong><\/p>\n<p>C\u1eadp nh\u1eadt ng\u00e0y 5 th\u00e1ng 5 n\u0103m 2026, 10:35 t\u1ed1i \u00b7 \u0110\u0103ng ng\u00e0y 5 th\u00e1ng 5 n\u0103m 2026, 9:23 t\u1ed1i \u00b7 th\u1eddi gian \u0111\u1ecdc 2 ph\u00fat<\/p>\n<p><a href=\"https:\/\/www.google.com\/preferences\/source?q=coindesk.com\" target=\"_blank\" rel=\"noopener\">Make preferred on <\/a><\/p>\n<\/div>\n<div data-module-name=\"article-body\" data-module-version=\"1.0.0\" data-module-instance=\"default\">\n<p>Miami Beach, Florida \u2014 Ti\u1ec1n tokenized s\u1ebd kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u00fang l\u1eddi h\u1ee9a c\u1ee7a m\u00ecnh n\u1ebfu v\u1eabn b\u1ecb c\u00f4 l\u1eadp trong t\u1eebng ng\u00e2n h\u00e0ng ri\u00eang l\u1ebb, theo Ryan Rugg \u2014 Gi\u00e1m \u0111\u1ed1c t\u00e0i s\u1ea3n s\u1ed1 m\u1ea3ng treasury v\u00e0 trade solutions c\u1ee7a Citigroup.<\/p>\n<p>Ph\u00e1t bi\u1ec3u t\u1ea1i Consensus Miami, Rugg cho bi\u1ebft c\u00e1c kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p l\u1edbn kh\u00f4ng t\u00ecm ki\u1ebfm gi\u1ea3i ph\u00e1p ch\u1ec9 d\u00e0nh ri\u00eang cho m\u1ed9t ng\u00e2n h\u00e0ng, m\u00e0 l\u00e0 nh\u1eefng h\u1ec7 th\u1ed1ng c\u00f3 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng li\u1ec1n m\u1ea1ch gi\u1eefa nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh.<br \/>\n\u201cKh\u00f4ng ai ch\u1ec9 mu\u1ed1n m\u1ed9t \u2018Citi token\u2019,\u201d b\u00e0 n\u00f3i. \u201cH\u1ecd mu\u1ed1n y\u1ebfu t\u1ed1 \u0111a ng\u00e2n h\u00e0ng.\u201d<\/p>\n<p>Nh\u1eadn \u0111\u1ecbnh n\u00e0y ph\u1ea3n \u00e1nh m\u1ed9t trong nh\u1eefng th\u00e1ch th\u1ee9c c\u1ed1t l\u00f5i trong qu\u00e1 tr\u00ecnh \u0111\u01b0a thanh to\u00e1n d\u1ef1a tr\u00ean blockchain v\u00e0o t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng. D\u00f9 c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 b\u1eaft \u0111\u1ea7u ph\u00e1t h\u00e0nh tokenized deposit v\u00e0 x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng n\u1ed9i b\u1ed9, ph\u1ea7n l\u1edbn c\u00e1c h\u1ec7 th\u1ed1ng \u0111\u00f3 v\u1eabn v\u1eadn h\u00e0nh trong nh\u1eefng m\u1ea1ng l\u01b0\u1edbi kh\u00e9p k\u00edn.<\/p>\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty to\u00e0n c\u1ea7u, c\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y l\u00e0 ch\u01b0a \u0111\u1ee7. Rugg cho bi\u1ebft kh\u00e1ch h\u00e0ng c\u1ee7a Citi th\u01b0\u1eddng qu\u1ea3n l\u00fd \u201ch\u00e0ng tr\u0103m, th\u1eadm ch\u00ed h\u00e0ng ngh\u00ecn t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng t\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng kh\u00e1c nhau tr\u00ean to\u00e0n c\u1ea7u\u201d, khi\u1ebfn vi\u1ec7c lu\u00e2n chuy\u1ec3n ti\u1ec1n cho b\u1ea3ng l\u01b0\u01a1ng, nh\u00e0 cung c\u1ea5p v\u00e0 \u0111\u1ea7u t\u01b0 tr\u1edf n\u00ean c\u1ef1c k\u1ef3 ph\u1ee9c t\u1ea1p.<\/p>\n<p>Nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y ng\u00e0y c\u00e0ng y\u00eau c\u1ea7u kh\u1ea3 n\u0103ng thanh to\u00e1n theo th\u1eddi gian th\u1ef1c. Trong m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t do Citi th\u1ef1c hi\u1ec7n v\u00e0i n\u0103m tr\u01b0\u1edbc, Rugg cho bi\u1ebft ph\u1ea3n h\u1ed3i \u201cg\u1ea7n nh\u01b0 \u0111\u1ed3ng thu\u1eadn tuy\u1ec7t \u0111\u1ed1i\u201d r\u1eb1ng thanh to\u00e1n nhanh h\u01a1n v\u00e0 ho\u1ea1t \u0111\u1ed9ng li\u00ean t\u1ee5c 24\/7 l\u00e0 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u.<\/p>\n<p>Blockchain mang l\u1ea1i m\u1ed9t h\u01b0\u1edbng gi\u1ea3i quy\u1ebft cho m\u1ee5c ti\u00eau \u0111\u00f3, nh\u01b0ng ch\u1ec9 khi c\u00e1c h\u1ec7 th\u1ed1ng c\u00f3 th\u1ec3 k\u1ebft n\u1ed1i v\u1edbi nhau. Citi hi\u1ec7n \u0111\u00e3 x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng tokenized ri\u00eang v\u00e0 li\u00ean k\u1ebft n\u00f3 v\u1edbi m\u1ea1ng l\u01b0\u1edbi ng\u00e2n h\u00e0ng r\u1ed9ng l\u1edbn h\u01a1n, bao g\u1ed3m h\u1ec7 th\u1ed1ng thanh to\u00e1n USD ho\u1ea1t \u0111\u1ed9ng 24\/7 v\u1edbi h\u01a1n 300 ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, Rugg nh\u1ea5n m\u1ea1nh r\u1eb1ng ch\u1ec9 n\u00e2ng c\u1ea5p n\u1ed9i b\u1ed9 th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7.<\/p>\n<p>\u201c\u0110\u00e2y ch\u1ec9 l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 b\u1ed5 sung trong b\u1ed9 c\u00f4ng c\u1ee5,\u201d b\u00e0 n\u00f3i, \u0111\u1ed3ng th\u1eddi cho r\u1eb1ng c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng c\u1ea7n hi\u1ec7n \u0111\u1ea1i h\u00f3a h\u1ea1 t\u1ea7ng truy\u1ec1n th\u1ed1ng v\u00e0 k\u1ebft n\u1ed1i ch\u00fang v\u1edbi h\u1ec7 th\u1ed1ng s\u1ed1.<\/p>\n<p>To\u00e0n ng\u00e0nh hi\u1ec7n \u0111ang \u0111\u1ed1i m\u1eb7t v\u1edbi t\u00ecnh tr\u1ea1ng ph\u00e2n m\u1ea3nh. Ng\u00e0y c\u00e0ng nhi\u1ec1u ng\u00e2n h\u00e0ng, c\u00f4ng ty fintech v\u00e0 d\u1ef1 \u00e1n crypto x\u00e2y d\u1ef1ng c\u00e1c m\u1ea1ng l\u01b0\u1edbi ri\u00eang bi\u1ec7t, th\u01b0\u1eddng s\u1eed d\u1ee5ng nh\u1eefng ti\u00eau chu\u1ea9n kh\u00e1c nhau. \u0110i\u1ec1u n\u00e0y c\u00f3 nguy c\u01a1 t\u00e1i t\u1ea1o ch\u00ednh nh\u1eefng s\u1ef1 k\u00e9m hi\u1ec7u qu\u1ea3 m\u00e0 blockchain \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd gi\u1ea3i quy\u1ebft.<\/p>\n<p>Rugg cho r\u1eb1ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng chung \u2014 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng \u201ccho ng\u00e0nh, b\u1edfi ch\u00ednh ng\u00e0nh\u201d \u2014 s\u1ebd l\u00e0 ch\u00eca kh\u00f3a \u0111\u1ec3 m\u1edf r\u1ed9ng t\u00e0i ch\u00ednh tokenized, \u0111\u1ed3ng th\u1eddi d\u1eabn ch\u1ee9ng c\u00e1c m\u00f4 h\u00ecnh nh\u01b0 m\u1ea1ng l\u01b0\u1edbi nh\u1eafn tin to\u00e0n c\u1ea7u c\u1ee7a SWIFT.<\/p>\n<p>Trong khi \u0111\u00f3, y\u1ebfu t\u1ed1 ph\u00e1p l\u00fd v\u1eabn l\u00e0 m\u1ed9t r\u00e0o c\u1ea3n l\u1edbn. C\u00e1c ng\u00e2n h\u00e0ng l\u1edbn c\u1ea7n c\u00f3 khung ph\u00e1p l\u00fd r\u00f5 r\u00e0ng tr\u01b0\u1edbc khi tri\u1ec3n khai s\u1ea3n ph\u1ea9m m\u1edbi.<br \/>\n\u201cN\u1ebfu \u0111i\u1ec1u \u0111\u00f3 ch\u01b0a \u0111\u01b0\u1ee3c cho ph\u00e9p 100%, ch\u00fang t\u00f4i s\u1ebd kh\u00f4ng l\u00e0m,\u201d Rugg n\u00f3i.<\/p>\n<h3>Tuy\u00ean b\u1ed1 v\u1ec1 AI<\/h3>\n<p>M\u1ed9t s\u1ed1 ph\u1ea7n c\u1ee7a b\u00e0i vi\u1ebft n\u00e0y \u0111\u01b0\u1ee3c t\u1ea1o v\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a c\u00e1c c\u00f4ng c\u1ee5 AI v\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ed9i ng\u0169 bi\u00ean t\u1eadp ki\u1ec3m duy\u1ec7t nh\u1eb1m \u0111\u1ea3m b\u1ea3o t\u00ednh ch\u00ednh x\u00e1c c\u0169ng nh\u01b0 tu\u00e2n th\u1ee7 c\u00e1c ti\u00eau chu\u1ea9n n\u1ed9i dung. \u0110\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin, vui l\u00f2ng xem \u0111\u1ea7y \u0111\u1ee7 Ch\u00ednh s\u00e1ch AI c\u1ee7a CoinDesk.<\/p>\n<\/div>\n<div data-module-name=\"read-next\" data-module-version=\"1.0.0\" data-module-instance=\"default\">\n<p>More For You<\/p>\n<div>\n<figure><img fetchpriority=\"high\" decoding=\"async\" src=\"http:\/\/www.coindesk.com\/_next\/image?url=https%3A%2F%2Fcdn.sanity.io%2Fimages%2Fs3y3vcno%2Fproduction%2Fa57323d92b3fa599df2ee442af800248477423c0-6000x3376.jpg%3Fauto%3Dformat&amp;w=3840&amp;q=75\" alt=\"Strategy Executive Chairman Michael Saylor standing. (Nikhilesh De\/CoinDesk))\" width=\"1920\" height=\"1080\" data-nimg=\"1\" \/><\/figure>\n<p>Michael Saylor \u0111\u1ec1 xu\u1ea5t s\u1eed d\u1ee5ng vi\u1ec7c b\u00e1n Bitcoin \u0111\u1ec3 h\u1ed7 tr\u1ee3 chi tr\u1ea3 c\u1ed5 t\u1ee9c, trong b\u1ed1i c\u1ea3nh Strategy b\u00e1o l\u1ed7 12,54 t\u1ef7 USD trong qu\u00fd 1.<\/p>\n<h3>Nh\u1eefng \u0111i\u1ec1u c\u1ea7n bi\u1ebft:<\/h3>\n<ul>\n<li>Strategy ghi nh\u1eadn kho\u1ea3n l\u1ed7 r\u00f2ng 12,54 t\u1ef7 USD trong qu\u00fd 1, \u0111\u1ed3ng th\u1eddi \u0111ang n\u1eafm gi\u1eef 818.334 BTC v\u1edbi m\u1ee9c gi\u00e1 mua trung b\u00ecnh 75.537 USD\/BTC. C\u00f4ng ty hi\u1ec7n c\u00f3 kho\u1ea3ng 18 th\u00e1ng kh\u1ea3 n\u0103ng \u0111\u1ea3m b\u1ea3o chi tr\u1ea3 c\u1ed5 t\u1ee9c tr\u01b0\u1edbc ngh\u0129a v\u1ee5 th\u01b0\u1eddng ni\u00ean tr\u1ecb gi\u00e1 1,5 t\u1ef7 USD.<\/li>\n<li>Ch\u1ee7 t\u1ecbch \u0111i\u1ec1u h\u00e0nh Michael Saylor cho bi\u1ebft vi\u1ec7c b\u00e1n Bitcoin \u0111\u1ec3 thanh to\u00e1n c\u1ed5 t\u1ee9c l\u00e0 m\u1ed9t ph\u01b0\u01a1ng \u00e1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u00e2n nh\u1eafc, \u0111\u1ed9ng th\u00e1i n\u00e0y g\u00f3p ph\u1ea7n khi\u1ebfn c\u1ed5 phi\u1ebfu gi\u1ea3m kho\u1ea3ng 4% trong phi\u00ean giao d\u1ecbch ngo\u00e0i gi\u1edd.<\/li>\n<\/ul>\n<p><a href=\"http:\/\/www.coindesk.com\/business\/2026\/05\/05\/michael-saylor-s-strategy-signals-potential-bitcoin-sale-to-fund-dividends-obligations\">Read full story<\/a><\/p>\n<p><em>(\u0110\u1ecdc chi ti\u1ebft t\u1ea1i \u0111\u00e2y)<\/em><\/p>\n<\/div>\n<\/div>",
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