Questão 13 · Língua Inglesa: Interpretação de textos
Texto associado à questão
Text CB1A2
Currently, the Digital Euro has not been launched — though there are signs that a launch may be coming sooner rather than later. By October 2025, the ECB (European Central Bank) has indicated a second phase of the preparation for the Digital Euro. By then, the ECB will have prepared an outreach plan, procurement standards, and technology providers.
The Digital Euro has potential downsides, many of them echoed in the other launches of central bank digital currencies.
For example, the central bank will become a technology company focused on procurement with central points of failure.
This was a breeding ground for corruption for the bureaucrat fortunate enough to make these technical choices in China.
While the Digital Euro is slated to “coexist” with cash, this also comes when EU (European Union) nations are voting on ending end-to-end encryption (a critical digital privacy tool) and have started to restrict cash with limits being placed on how much you can spend in cash to accelerate its slow demise.
User privacy is said to be the ECB’s “chief concern” as it has been designing the central bank’s digital currency. Certainly, the ECB is aware of public perception that has negative surveillance, control, and privacy implications in mind. The ECB has been at pains to say that the Digital Euro will “coexist” with cash and that unlike the e-CNY (China’s central bank digital coin) it will not be tied to a “social credit” score or place limits on how money is spent.
A big part of the ECB’s drive towards the Digital Euro is to compete and pry Europeans away from Bitcoin, cryptocurrencies, and “stablecoins”.
Central bank digital currencies are a direct liability of the central bank. Since the central bank has the power to issue currency, this means that the central bank can essentially create “digital euros” if it wishes to. The architecture and data within a central bank digital currency are usually built completely by the central bank supported by private vendors of its choice. In China, the central bank has turned away from a distributed ledger technology to a centralized data store, in which the technical details are pretty scant. Hence, the central bank controls everything, and the system has no external access.
Internet: <www.forbes.com/sites> (adapted).
It is correct to conclude from the fourth paragraph of text CB1A2 that, in the implementation of the Digital Euro,
- A) social credit and ledger technology prevents privacy issues.
- B) the ECB will follow the Chinese model and its privacy policy.
- C) end-to-end cryptography will guarantee privacy.
- D) privacy is a direct liability of the central bank.
- E) the public is worried about possible adverse effects regarding privacy.
Marque a alternativa correta:
Gabarito: E
Gabarito definitivo divulgado pela banca Cebraspe (BANRISUL 2025).
Comentário
Gabarito: E.
O trecho afirma que a privacidade é a "chief concern" do BCE e que o banco sabe da "public perception that has negative surveillance, control, and privacy implications", isto é, da percepção pública de implicações negativas de vigilância, controle e privacidade. Logo, o público teme possíveis efeitos adversos sobre a privacidade.
Por que as outras estão erradas:
- A: o texto diz que o euro digital não será vinculado a um escore de "social credit", que é ligado à vigilância e ao controle; o crédito social não é apresentado como proteção da privacidade, e a tecnologia de registro distribuído é citada apenas em relação à China.
- B: o texto diz que, diferentemente do e-CNY chinês, o euro digital não terá "social credit" nem limites de gasto; o BCE se distancia do modelo chinês.
- C: a criptografia de ponta a ponta é citada como ferramenta crítica de privacidade cujo fim está sendo votado na União Europeia; o texto não afirma que ela garantirá a privacidade no euro digital.
- D: o texto diz que a moeda digital do banco central é uma "direct liability" (obrigação) do banco central; isso não faz da privacidade uma obrigação direta dele.
Dica: em questões de conclusão, escolha a alternativa que tem apoio expresso no trecho indicado.
Fundamentos: Texto CB1A2: "public perception that has negative surveillance, control, and privacy implications" · Preocupação pública com vigilância e privacidade como consequência inferida do texto
Comentário gerado pela Cravei IA a partir do enunciado e do gabarito definitivo divulgado pela banca, e conferido por uma verificação automática. A IA pode errar: o gabarito oficial sempre prevalece.
Fonte: prova Cebraspe BANRISUL 2025 (Diversos cargos), questão 13, com o gabarito definitivo da banca. Comentário: Equipe Cravei · como fazemos e revisamos.