Mazkur maqolada tijorat banklarida raqamli tokenlarni joriy etishning nazariy va amaliy asoslari, tokenlashtirilgan depozitlarning iqtisodiy mohiyati hamda ularning CBDC va stablecoinlardan farqli jihatlari tadqiq etilgan. Jahon amaliyotida tijorat banklari tomonidan tokenlashtirilgan depozitlar, tokenlashtirilgan qimmatli qog‘ozlar, raqamli obligatsiyalar va dasturlashtiriladigan to‘lov vositalaridan foydalanish tajribasi tahlil qilingan. Xususan, BIS tomonidan ilgari surilgan “unified ledger” konsepsiyasi, Project Agorá, Singapurdagi Project Guardian va DBS bankining Treasury Tokens loyihalari hamda J.P. Morgan tomonidan rivojlantirilayotgan JPM Coin deposit token tajribasi o‘rganilgan. Tadqiqotda tokenlashtirilgan depozitlarning asosiy afzalliklari sifatida hisob-kitoblarning tezlashishi, 24/7 rejimida ishlash, smart-kontraktlar orqali operatsiyalarni dasturlashtirish, DvP va PvP mexanizmlarini avtomatlashtirish, likvidlikni samarali boshqarish va operatsion xarajatlarni kamaytirish imkoniyatlari aniqlangan. Shu bilan birga, kiberxavfsizlik, huquqiy maqom, likvidlik, operatsion va texnologik risklar hamda pul-kredit siyosatiga ehtimoliy ta’sir kabi muammolar ko‘rib chiqilgan. Maqolada O‘zbekiston tijorat banklari, xususan, Agrobank uchun tokenlashtirilgan depozitlarni bosqichma-bosqich joriy etish modeli taklif etilgan.

This article examines the methodological possibilities of organizing 6th-grade Natural Science lessons based on a bilingual approach and Content and Language Integrated Learning (CLIL).

Мазкур мақолада Жиноят кодексининг (кейинги ўринларда ЖК деб юритилади) 270-моддасида назарда тутилган тақиқланган экинларни етиштириш жиноятини тергов қилишда исботланиши лозим бўлган ҳолатлар доираси криминалистика фани нуқтаи назаридан таҳлил қилинган

Families raising children with disabilities often face complex financial, educational, healthcare, employment, psychological and social challenges. Modern social protection policy increasingly recognizes that support should be directed not only to the child but also to the family as the main environment for development and inclusion

This study investigates the regulation of the structural properties of soil using composite additives based on water-soluble polyelectrolytes and an industrial wastewater-treatment residue referred to as “Bioshlam.” Poly (methacrylic acid) (PMAA) was synthesized by radical polymerization and chemically modified with amines of different hydrocarbon radical lengths to obtain compositionally different structure-forming materials