# Сопутствующие статьи по теме CBDC

Новостной центр HTX предлагает последние статьи и углубленный анализ по "CBDC", охватывающие рыночные тренды, новости проектов, развитие технологий и политику регулирования в криптоиндустрии.

Malaysia to Pilot Ringgit Stablecoins, Tokenised Deposits in 2026

Malaysia's central bank, Bank Negara Malaysia (BNM), will pilot three projects involving ringgit stablecoins and tokenized deposits in 2026 through its Digital Asset Innovation Hub (DAIH). The initiatives, focused on wholesale payments for domestic and cross-border transactions, are led by major financial institutions including Standard Chartered Bank Malaysia, Capital A, Maybank, and CIMB. BNM aims to assess implications for monetary and financial stability and clarify its policy on these digital assets by year-end. This move aligns with a broader Asian trend, with Hong Kong, Singapore, and Japan also advancing stablecoin frameworks and tokenization projects.

TheNewsCrypto02/11 12:23

Malaysia to Pilot Ringgit Stablecoins, Tokenised Deposits in 2026

TheNewsCrypto02/11 12:23

Ray Dalio Warns CBDCs Threaten Financial Privacy — Former Trump Adviser Claims Zcash Is the Fix

Ray Dalio warns that central bank digital currencies (CBDCs) will lead to a significant loss of financial privacy, as all transactions would be visible to authorities, enabling potential government overreach such as taxation, asset seizure, and sanctions. He expressed skepticism about CBDCs' attractiveness if they don't offer interest, suggesting people might prefer traditional savings vehicles. In response, former Trump adviser Thor Torrens proposed Zcash as a solution, highlighting its privacy features through shielded transactions using zero-knowledge cryptography. Despite internal challenges, Zcash developers continue to advocate for its use. Dalio also discussed broader concerns about the breakdown of the global monetary system, noting shifting capital flows and potential "capital wars" as countries grow wary of holding each other's debt, which some believe could drive interest in Bitcoin amid fiat uncertainty.

ccn.com02/11 11:26

Ray Dalio Warns CBDCs Threaten Financial Privacy — Former Trump Adviser Claims Zcash Is the Fix

ccn.com02/11 11:26

EU pushes digital euro as dollar-backed stablecoins dominate crypto payments

The European Parliament has approved the creation of a digital euro, a significant step in advancing the central bank digital currency (CBDC) project. With a vote of 429 in favor, the move aims to counter the overwhelming dominance of U.S. dollar-backed stablecoins, which account for over 90% of the global stablecoin market. The digital euro, issued by the European Central Bank, will function as legal tender and support both online and offline payments, enhancing accessibility and privacy. EU officials position the initiative as a strategic effort to reduce reliance on private, foreign-currency payment instruments and preserve monetary sovereignty. A final launch is anticipated around 2029.

ambcrypto02/10 18:08

EU pushes digital euro as dollar-backed stablecoins dominate crypto payments

ambcrypto02/10 18:08

Hong Kong Prepares To Grant Limited Batch Of Stablecoin Licenses In March – Report

Hong Kong's financial authorities, led by the Hong Kong Monetary Authority (HKMA), are preparing to issue the first limited batch of stablecoin issuer licenses in March. Chief Executive Eddie Yue confirmed that a "very small number" of licenses will be granted after the review process for applications nears completion. Over 30 companies, including Ant Group's overseas arm, have applied since the Stablecoins Ordinance was enacted in August, requiring any issuer of fiat-referenced stablecoins in Hong Kong to be licensed. The HKMA is focusing on use cases, risk management, AML measures, and asset backing. This move is part of Hong Kong's broader strategy to become a regulated global crypto hub, despite potential challenges from mainland China's strict stance against stablecoins.

bitcoinist02/03 12:05

Hong Kong Prepares To Grant Limited Batch Of Stablecoin Licenses In March – Report

bitcoinist02/03 12:05

The Era of Digital Cash Twins: Future Collaboration Prospects of National and Market Currencies

The future of money is not a binary choice between state-issued currency and private alternatives. Instead, a dual system is emerging where Central Bank Digital Currencies (CBDCs) and stablecoins coexist and collaborate. CBDCs, such as China’s e-CNY and the EU’s digital euro, are state-backed and prioritize monetary sovereignty, regulatory oversight, and public interest. Stablecoins, privately issued and blockchain-native, excel in cross-border payments and decentralized finance due to their speed and flexibility. Globally, CBDC deployment is advancing with varied approaches: The Bahamas’ "Sand Dollar" focuses on financial inclusion, China’s e-CNY has scaled rapidly, and the EU and UK emphasize privacy. Meanwhile, the U.S. is prioritizing stablecoin regulation over a digital dollar, while countries like India and Brazil are exploring programmable CBDCs for targeted policy implementation. Japan is taking a "wholesale-first" approach to upgrade financial infrastructure. Key initiatives like the BIS’s Agora project and Singapore’s Guardian Project are testing interoperability between CBDCs and stablecoins, aiming to prevent fragmentation in the digital monetary system. Rather than competing, state and market currencies are forming a collaborative framework—CBDCs providing stability and control, and stablecoins enabling innovation and global reach.

marsbit01/28 11:01

The Era of Digital Cash Twins: Future Collaboration Prospects of National and Market Currencies

marsbit01/28 11:01

RWA Weekly Report｜Commodity Assets Increase by 5%; US Enters a Period of Clear Crypto Asset Regulation (1.21-1.27)

RWA Weekly Report: Commodity Assets Up 5%; US Enters Period of Clearer Crypto Regulation (Jan 21-27) The total on-chain value of Real World Assets (RWA) grew by 3.51% to $23.23 billion. Commodity assets saw a significant 5% increase, reaching $4.2 billion. Key developments include the US advancing crypto market structure bills for clearer federal oversight, Hong Kong planning to issue stablecoin licenses in 2024, and Thailand's SEC announcing a strategic plan to introduce a regulatory framework for crypto ETFs. Major projects like Ondo Finance expanded their offerings, launching over 200 tokenized US stocks and ETFs on Solana. The debate on tokenization at Davos highlighted its potential for market efficiency and financial inclusion, alongside concerns about regulation and financial literacy.

marsbit01/27 11:16

RWA Weekly Report｜Commodity Assets Increase by 5%; US Enters a Period of Clear Crypto Asset Regulation (1.21-1.27)

marsbit01/27 11:16

What Ripple CEO Garlinghouse Said At WEF Davos 2026

Ripple CEO Brad Garlinghouse advocated for the pragmatic adoption of tokenization at the World Economic Forum 2026, highlighting stablecoins as the leading use case with transaction volumes growing from $19 trillion in 2024 to $33 trillion in 2025. He emphasized building bridges between traditional and decentralized finance rather than displacing existing systems, noting a significant positive shift in U.S. regulatory and political attitudes toward crypto. Garlinghouse stressed that tokenization must deliver real efficiency and transparency, not just novelty, and called for clear and practical regulations over theoretical perfection. He also addressed energy efficiency, noting the industry's move toward more sustainable blockchains, and reframed tokenization's value as democratizing investment access rather than encouraging speculation.

bitcoinist01/22 13:02

What Ripple CEO Garlinghouse Said At WEF Davos 2026

bitcoinist01/22 13:02

Policy Pilot First: Central Bank Explores Direct 'Money Distribution', Digital Yuan Users Already Benefiting

China's digital yuan (e-CNY) has entered a significant upgrade phase, transitioning from a non-interest-bearing digital cash (M0) to an interest-bearing asset classified as M1. As of January 1, 2026, users holding funds in verified tier 1-3 digital yuan wallets can earn interest at the current demand deposit rate of 0.05% per annum, paid quarterly. This move, a world-first for a central bank digital currency (CBDC), aims to boost user adoption by providing a tangible benefit for holding the digital currency, which had previously struggled to compete with established payment platforms like Alipay and WeChat Pay despite extensive pilot programs and government subsidies. A key structural change is the shift away from the 100% reserve requirement for commercial banks. Banks can now use a portion of the e-CNY deposits for lending and developing financial products, transforming the digital yuan from a cost center into a potential profit source and incentivizing them to promote it more actively. In contrast, non-bank payment institutions must still maintain 100% reserves. Beyond payments, the digital yuan is positioning itself as a programmable financial infrastructure. Its smart contract capability, though using a restricted Turing-complete design for security, enables complex applications like controlled fund disbursement for pre-paid services, family budgeting, and government subsidies. It also supports offline transactions via NFC. A major strategic focus is cross-border payment, exemplified by the mBridge project, which has already facilitated over $55 billion in transfers, 95% settled in e-CNY, positioning it as a key tool for renminbi internationalization.

比推01/21 05:20

Policy Pilot First: Central Bank Explores Direct 'Money Distribution', Digital Yuan Users Already Benefiting

比推01/21 05:20

While Wall Street Debates, Digital Yuan Starts 'Distributing Money' to Users First

China's digital yuan (e-CNY) has entered a new phase with its 2.0 upgrade, transitioning from a non-interest-bearing digital cash (M0) to an interest-bearing currency (M1). Users can now earn interest on balances in verified wallets at the current demand deposit rate (0.05% annually, paid quarterly), making it more competitive against existing payment tools like Alipay and WeChat Pay. This shift also allows commercial banks to use e-CNY deposits for lending and financial products, increasing their incentive to promote it. The upgrade enhances e-CNY’s functionality through programmable smart contracts, enabling use cases like controlled payments for pre-paid services, family budgeting, and government subsidies. It supports offline transactions via NFC and offers hardware wallets for broader accessibility. Additionally, e-CNY is expanding into cross-border payments, with significant adoption in projects like mBridge, where it facilitates efficient international settlements. Backed by state security and deposit insurance, e-CNY aims to become a foundational digital financial infrastructure beyond just a payment alternative.

marsbit01/21 02:18

While Wall Street Debates, Digital Yuan Starts 'Distributing Money' to Users First

marsbit01/21 02:18

Ripple Exec Pushes Central Banks To Back Regulated Stablecoins

Ripple's UK & Europe policy director, Matthew Osborne, urges central banks to embrace regulated stablecoins as a stabilizing force rather than treat them as a threat. He argues that with proper oversight and access to official infrastructure, stablecoins can complement the existing financial system, particularly in cross-border payments and multi-chain markets. Osborne cites their growing adoption, with market value exceeding $300 billion and transaction volumes surpassing Visa and Mastercard combined. He calls for central banks to extend safety net features, such as allowing issuers to hold reserves in central bank accounts and providing liquidity insurance, to reduce vulnerability to shocks. The choice, he concludes, is between resisting stablecoins and risking uncontrolled growth or integrating them into the regulated financial framework.

bitcoinist01/20 19:32

Ripple Exec Pushes Central Banks To Back Regulated Stablecoins