BLOKCHEYN TEXNOLOGIYASI MOLIYA SOHASINI RIVOJLANTIRISH VA O’ZGARTIRISH ISTIQBOLLARI
Keywords:
Keywords: Blokcheyn, Moliya sektori, Moliyaviy texnologiyalar (fintex), Markazlashmagan moliya (DeFi), Aqlli shartnomalar, Xavfsizlik, Shaffoflik, Konsensus mexanizmlari, Ulushga asoslangan isbot (PoS), Ishga asoslangan isbot (PoW), Moliyaviy inklyuziya, Tokenlashtirish, Chegara orti to‘lovlari, Markaziy bank raqamli valyutasi (CBDC), Tartibga solish, Raqamli transformatsiyalar, QR-kod orqali onlayn to‘lovlar, HUMO tokeni, Kripto soliqqa oid siyosat.Abstract
Annotatsiya: Ushbu maqolada blokcheyn texnologiyasining asosiy tamoyillari, funksional imkoniyatlari va qo‘llanilish yo‘nalishlari, xususan O‘zbekistondagi rivojlanayotgan fintech ekotizimi kontekstida tahlil qilinadi. Tadqiqot jarayonida O‘zbekistonda olib borilgan ilmiy ishlanmalar hamda xalqaro izlanishlar asosida joriy etish usullari, empirik tajribaviy natijalar va dolzarb masalalarni, jumladan, kengaytirish hamda tartibga solish muammolarini ko‘rib chiqiladi.
Abstract: This article, employing the IMRAD structure, investigates blockchain technology’s transformative role in the finance sector, focusing on Uzbekistan’s evolving fintech ecosystem. It explores blockchain’s core principles—decentralization, immutability, and transparency—and their applications in payments, decentralized finance (DeFi), and trade finance. Through literature reviews and case studies, such as Uzsanoatqurilishbank’s blockchain pilots and the HUMO token initiative, the study highlights enhanced efficiency, security, and financial inclusion. The discussion examines opportunities for collaboration, including AI integration and regulatory advancements, while addressing challenges like scalability and cybersecurity. Uzbekistan’s potential as a Central Asian fintech hub is underscored through innovative projects and supportive policies.
