ロシア銀行はデジタルルーブルの完全な立ち上げを目指しています 2024

ロシア中央銀行は、2 年後にデジタル ルーブルの包括的な導入を開始する予定です。, 金融政策の優先事項を詳述した論文によると、 2023 – 2025 限目. As the development of the state-issued digital currency continues, the monetary authority intends to gradually connect various financial institutions to the platform.

Russia’s Central Bank to Introduce Digital Ruble Currency in 2 年

The Central Bank of the Russian Federation (CBR) has recently published a draft document that sets out the main directions for its monetary policy in the next three years. の paper reveals that one of the key goals for the regulator will be the introduction of a digital version of the national fiat currency, ルーブル, and reads:

の 2024, the Bank of Russia will begin to gradually connect all credit institutions to the digital ruble platform and increase the number of available payment options and transactions using smart contracts.

While the full-scale implementation of the digital ruble will begin in two years’ time, some of its features, such as the offline mode, as well as the connecting of non-banking financial organizations and exchanges, are expected in 2025, the Russian crypto news outlet Bits.media reported, quoting the bank.

The phased approach towards introducing the central bank digital currency (CBDC) will allow market participants to adapt to the new conditions, the CBR emphasized. The bank also remarked that if needed, certain restrictions may be imposed like limiting the amount of digital rubles that can be held in a single wallet or fixing a maximum amount that can be transferred with each transaction.

Critics have warned that the CBDC can potentially threaten the stability of the banking system but the Bank of Russia does not expect a large-scale outflow of funds from bank deposits as traditional financial institutions attract capital by offering interest payments and bonus programs. For Russian banks, the digital ruble should serve as “an additional incentive to increase the attractiveness of bank accounts,” the CBR added.

Keeping money in bank accounts has certain advantages over storing cash in digital wallets as the former accrue income, the central bank elaborated. That’s why, the Bank of Russia does not intend to pay any interest on digital ruble holdings on its CBDC platform.

The latest timetable for the digital ruble comes after an earlier official statement which indicated that the CBR is accelerating the project’s schedule. In June, Deputy Governor Olga Skorobogatova announced that a roadmap for the full implementation of the new form of the national currency is expected by the end of 2023.

The CBR is also preparing to begin trials with real transactions and users in April next year, earlier than initially planned. In May, Skorobogatova admitted that financial 制裁 imposed by the West over Russia’s military invasion of Ukraine have played a role for the bank’s decision to speed up the development of the CBDC.

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Lubomir Tassev は、テクノロジーに精通した東ヨーロッパ出身のジャーナリストで、Hitchens の言葉が好きです。: 「作家であることは、私が何であるかです, 私がすることよりも。」暗号のほかに, ブロックチェーンとフィンテック, 国際政治と経済は、他の 2 つのインスピレーションの源です.

画像クレジット: シャッターストック, Pixabay, ウィキ・コモンズ