{"id":5977,"date":"2026-01-08T15:08:17","date_gmt":"2026-01-08T15:08:17","guid":{"rendered":"https:\/\/dizainoarkliukas.lt\/?p=5977"},"modified":"2026-01-08T15:08:17","modified_gmt":"2026-01-08T15:08:17","slug":"skaitmeniniai-finansai-2026-m-taps-pagrindines-infrastrukturos-sluoksniu-moodys","status":"publish","type":"post","link":"https:\/\/dizainoarkliukas.lt\/?p=5977","title":{"rendered":"Skaitmeniniai finansai 2026 m. taps \u201epagrindin\u0117s infrastrukt\u016bros sluoksniu\u201c: \u201eMoody&#39;s\u201c"},"content":{"rendered":"<p><\/p>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\" style=\"position:relative;overflow:visible;font-size:1.2em;line-height:1.58\">\n<div class=\"pt-8 pb-10 border-t border-b border-decryptGridline \">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/dizainoarkliukas.lt\/?p=5977\/#Trumpai_tariant\" >Trumpai tariant<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/dizainoarkliukas.lt\/?p=5977\/#Reguliavimo_suskaidymas\" >Reguliavimo suskaidymas<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/dizainoarkliukas.lt\/?p=5977\/#Dienos_apzvalga_Naujienlaiskis\" >Dienos ap\u017evalga Naujienlai\u0161kis<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h4 class=\"sc-b2a202e4-4 bNRGqr gg-dark:text-white\" color=\"#333\"><span class=\"ez-toc-section\" id=\"Trumpai_tariant\"><\/span>Trumpai tariant<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul>\n<li class=\"font-meta-serif-pro font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">\u201eMoody&#39;s 2026 Digital Finance Outlook\u201c ataskaitoje padaryta i\u0161vada, kad \u201eblockchain\u201c technologija \u0161iais metais gali b\u016bti \u201epagrindinis infrastrukt\u016bros sluoksnis\u201c finans\u0173 pramonei.<\/li>\n<li class=\"font-meta-serif-pro font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Reiting\u0173 agent\u016bra pabr\u0117\u017eia, kad skaitmeninio turto technologija leis u\u017etikrinti didesn\u012f s\u0105veikum\u0105 ir efektyvum\u0105.<\/li>\n<li class=\"font-meta-serif-pro font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Bendrov\u0117s analitikai taip pat persp\u0117ja, kad gali prireikti suderinti reguliavim\u0105, kad \u012fvedimas i\u0161plist\u0173 visame pasaulyje.<\/li>\n<\/ul>\n<\/div>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Remiantis nauja reiting\u0173 agent\u016bros \u201eMoody&#39;s\u201c ataskaita, 2026 m. technologija, kuria grind\u017eiamas skaitmeninis turtas, taps \u201epagrindiniu infrastrukt\u016bros sluoksniu\u201c finansini\u0173 paslaug\u0173 pramonei.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Ra\u0161ydamas savo 2026 m. skaitmenin\u0117je finans\u0173 perspektyvoje, Moody&#39;s prognozuoja, kad tai <span class=\"sc-5475d909-4 fBeAzA\">blockchain<\/span>\u0160iais metais technologijos tur\u0117s vis didesn\u012f poveik\u012f tradicini\u0173 finansini\u0173 \u012fmoni\u0173 kapitalo paskirstymui ir rinkos operacijoms.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">T\u0105 patvirtindamas <span class=\"sc-5475d909-4 fBeAzA\">stabilios monetos<\/span> 2025 m. ataskaitoje pabr\u0117\u017eiamos tik\u0117tinos skaitmeninio turto raidos ir naudojimo tendencijos \u0161iais metais.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Tai apima blok\u0173 grandini\u0173 ir kit\u0173 nauj\u0173 technologij\u0173 naudojim\u0105, siekiant puosel\u0117ti \u201eviening\u0105 skaitmenin\u0119 ekosistem\u0105\u201c, kurioje anks\u010diau skirtingi sektoriai, tokie kaip pereinamasis finansavimas, privatus kreditas ir besiformuojan\u010dios rinkos, taps labiau integruoti.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">\u201eSkaitmenin\u0117se finans\u0173 platformose dabar yra \u017eenkliniai JAV i\u017edo fondai ir strukt\u016briniai kredito produktai\u201c, \u2013 sakoma ataskaitoje. \u201eAteinan\u010diais metais naujosios technologijos naudojimas dar labiau padid\u0117s ir i\u0161ry\u0161kins efektyvumo padid\u0117jim\u0105, nors i\u0161lieka veiklos, reguliavimo ir kibernetin\u0117s rizikos.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Ataskaitoje taip pat prognozuojamas vis didesnis \u017eeton\u0173 i\u0161leidimo ir programuojamo atsiskaitymo naudojimas, siekiant padidinti efektyvum\u0105, padedant finans\u0173 \u012fstaigoms paspartinti likvidumo apyvart\u0105 (turt\u0105 paversti grynaisiais), taip pat suma\u017einti derinimo darb\u0105 ir kitas i\u0161laidas.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Bendraautorius Cristiano Ventricelli, \u201eMoody&#39;s\u201c vyresnysis skaitmeninio turto analitikas, pakartoja, kad besivystan\u010dios technologijos, pvz. <span class=\"link\">stabilios monetos<\/span>tokenizavimas ir <span class=\"link\">blok\u0173 grandin\u0117s<\/span> ketina \u201esujungti\u201c finans\u0173 sritis, kurios ka\u017ekada buvo atskiros.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">\u201eKelios institucijos ketina priimti stabilias monetas tarptautiniams mok\u0117jimams ir likvidumo valdymui, taip padedant sujungti skaitmenin\u012f ir tradicin\u012f finansavim\u0105\u201c, \u2013 sak\u0117 jis. <i>I\u0161\u0161ifruoti<\/i>. \u201eTuo tarpu turto \u017eenklinimas vis labiau populiar\u0117ja, tod\u0117l turt\u0105 i\u0161leisti ir juo prekiauti tampa lengviau ir ekonomi\u0161kiau, o rinkose, kurios anks\u010diau buvo sunkiai pasiekiamos, atsiveria nauj\u0173 galimybi\u0173.<\/p>\n<p><iframe loading=\"lazy\" style=\"border:0\" src=\"https:\/\/myriad.markets\/embed\/market\/stablecoin-market-cap-to-pass-360b-before-february\" width=\"100%\" height=\"415px\"><!(CDATA(<span data-mce-type=\"bookmark\" style=\"display:inline-block;width:0px;overflow:hidden;line-height:0\" class=\"mce_SELRES_start\">\ufeff<\/span>))><\/iframe><\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Apskritai, Ventricelli teig\u0117, kad \u201eblockchain\u201c technologija jau supaprastina tradicinius finansinius procesus, o tai paskatins daugiau finans\u0173 \u012fstaig\u0173 ir paslaug\u0173 \u012fmoni\u0173 diegti savo sprendimus.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Jis prognozavo: \u201e\u0160ioms naujov\u0117ms br\u0119stant, rinkos vis labiau konkuruos d\u0117l savo infrastrukt\u016bros sluoksni\u0173 stiprumo ir brandumo, kurie yra ne tik saug\u016bs ir veiksmingi, bet ir labai s\u0105veik\u016bs, leid\u017eiantys skland\u017eiai integruotis su esamomis finans\u0173 sistemomis ir suma\u017einti atotr\u016bk\u012f tarp sen\u0173 ir nauj\u0173 finans\u0173 modeli\u0173.<\/p>\n<h2 class=\"sc-b2a202e4-2 bmropA gg-dark:text-white scene:font-itc-avant-garde-gothic-pro scene:font-light\" style=\"margin-top:2em;text-align:left;padding-bottom:16px;margin-bottom:16px;border-bottom:1px solid #dfe2e4\" color=\"#333\"><span class=\"ez-toc-section\" id=\"Reguliavimo_suskaidymas\"><\/span>Reguliavimo suskaidymas<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Nors ataskaitoje teigiama, kad skaitmeniniai finansai \u012f\u017eeng\u0117 \u012f \u201enauj\u0105 etap\u0105\u201c, kai \u012f\u017eengiame \u012f 2026 m., Ventricelli taip pat pripa\u017e\u012fsta, kad pa\u017eang\u0105 gali sul\u0117tinti keli pagrindiniai i\u0161\u0161\u016bkiai.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">\u201eVienas did\u017eiausi\u0173 dalyk\u0173 yra tai, kad n\u0117ra suderint\u0173 taisykli\u0173 visose \u0161alyse, o tai lemia susiskaid\u017eiusi\u0105 infrastrukt\u016br\u0105 ir ver\u010dia institucijas atsargiai diegti naujus skaitmeninius produktus dideliu mastu\u201c, \u2013 ai\u0161kino jis.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Nors kai kurios sritys, ypa\u010d ES, kuriai taikomas MiCA reglamentas, suderino reguliavim\u0105, d\u0117l susiskaidymo kitur ma\u017eesn\u0117 tikimyb\u0117, kad skirtingos sistemos gal\u0117s veikti kartu.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">O Ventricelli atveju tai padidina veiklos rizik\u0105 ir daro skaitmenin\u012f turt\u0105 ma\u017eiau likvid\u017ei\u0105, o jis priduria, kad did\u0117jantis pritaikymas gali bent jau trumpuoju laikotarpiu padidinti kibernetini\u0173 atak\u0173 rizik\u0105.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Beveik nekyla abejoni\u0173, kad blok\u0173 grandin\u0117mis pagr\u012fst\u0173 technologij\u0173 finansinis pritaikymas vis labiau auga, kaip rodo naujausi ETF parai\u0161kos ir pristatymai, pavyzd\u017eiui, \u201eCoinShares\u201c metin\u0117 ataskaita atskleid\u017eia, kad skaitmeniniai fondai pernai pritrauk\u0117 daugiau nei 47 mlrd. USD investicij\u0173.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Ta\u010diau norint, kad tokios tendencijos t\u0119st\u0173si ir pl\u0117st\u0173si, Moody&#39;s teigia, kad reikalinga stipri infrastrukt\u016bra ir platus dalyvavimas.<\/p>\n<p class=\"font-meta-serif-pro scene:font-noto-sans scene:text-base scene:md:text-lg font-normal text-lg md:text-xl md:leading-9 tracking-px text-body gg-dark:text-neutral-100\">Ventricelli sak\u0117: \u201eBe ai\u0161kaus tarpvalstybinio bendradarbiavimo ir reguliavimo ai\u0161kumo \u0161ie prana\u0161umai gali b\u016bti nevisi\u0161kai realizuoti, o bendras skaitmenini\u0173 finans\u0173 augimas gali b\u016bti ribotas.<\/p>\n<div class=\"my-4 border-b border-decryptGridline\">\n<div class=\"text-start p-8 md:py-12 md:px-12 max-w-prose relative\"><span class=\"border-t-4 border-l-4 w-4 h-4 md:border-t-(6px) md:border-l-(6px) md:w-6 md:h-6 border-decryptPurple dark:border-decryptNeon gg-dark:border-cc-pink-2 absolute top-4 left-4 md:top-6 md:left-6\"\/><span class=\"border-t-4 border-l-4 w-4 h-4 md:border-t-(6px) md:border-l-(6px) md:w-6 md:h-6 border-decryptPurple dark:border-decryptNeon gg-dark:border-cc-pink-2 absolute rotate-180 bottom-4 right-4 md:bottom-6 md:right-6\"\/><\/p>\n<h3 class=\"font-akzidenz-grotesk font-bold text-xl md:text-3xl md:text-center gg-dark:text-white\"><span class=\"ez-toc-section\" id=\"Dienos_apzvalga_Naujienlaiskis\"><\/span>Dienos ap\u017evalga<!-- --> Naujienlai\u0161kis<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Prad\u0117kite kiekvien\u0105 dien\u0105 nuo populiariausi\u0173 naujien\u0173 dabar ir originali\u0173 funkcij\u0173, tinklalaid\u0117s, vaizdo \u012fra\u0161\u0173 ir kt.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/decrypt.co\/353978\/digital-finance-will-evolve-into-foundational-infrastructure-layer-in-2026-moodys\"> Nuoroda \u012f informacijos \u0161altin\u012f <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trumpai tariant \u201eMoody&#39;s 2026 Digital Finance Outlook\u201c ataskaitoje padaryta i\u0161vada, kad \u201eblockchain\u201c technologija \u0161iais metais gali b\u016bti \u201epagrindinis infrastrukt\u016bros sluoksnis\u201c&hellip;<\/p>\n","protected":false},"author":1,"featured_media":5978,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[278],"tags":[1695,8349,8583,1504,6130,8582,191],"class_list":["post-5977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-web3","tag-finansai","tag-infrastrukturos","tag-moody39s","tag-pagrindines","tag-skaitmeniniai","tag-sluoksniu","tag-taps"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - 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