НБУ отложил запуск е-гривны из-за высокой стоимости проекта

cryptonews.ruPublished on 2025-10-16Last updated on 2025-10-17

Алексей Шабан заявил, что пилот е-гривны стоит дорого.
Кроме того, Нацбанк считает расходы во время войны неэтичными.
Поэтому запуск украинской CBDC в 2027 году остается под вопросом.

Национальный банк Украины (НБУ) сомневается в возможности внедрения цифровой гривны (е-гривны) в 2027 году. Причина — высокая стоимость проекта, которая, по словам регулятора, является сомнительной с этической точки зрения во время войны. Об этом сообщили в Интерфакс-Украина со ссылкой на заявление заместителя председателя НБУ Алексея Шабана во время выступления на Киевском международном экономическом форуме 2025.

«Мы рассматриваем цифровую гривну на законодательном уровне. Имеется в виду, что это законное платежное средство и просто цифровая форма национальной денежной единицы — гривны. Когда она будет внедрена, будет ли внедрена — открытый вопрос», — сказал Шабан.

По его словам, даже пилотная фаза запуска цифровой валюты центробанка (CBDC) потребует значительных инвестиций:

«Пилот — это штука дорогая, там ценники очень большие. Сейчас мы сделали шортлист поставщиков, с которыми хотели бы, когда будем готовы, работать».

НБУ продолжает разработку е-гривны, которая должна стать цифровой формой национальной валюты и законным платежным средством. Планируется, что пилотный проект позволит тестировать валюту не только внутри НБУ, но и в реальных условиях — для платежей, денежных переводов, госуслуг или социальных программ.

В то же время, как подчеркнул Шабан, тратить большие средства на исследования во время войны неэтично:

«Чеки очень высокие, и вопрос в том, этично ли во время войны тратить эти средства только на исследования. […] Мы движемся, но сказать, что 2027 год — год внедрения е-гривны, я не могу».

Первый эксперимент по применению е-гривны состоялся еще в 2018 году, когда НБУ выпустил е-гривны для внутреннего пользования сотрудниками регулятора.

Между тем на широкую общественность проект концепции е-гривны представили в ноябре 2022 года. Она должна выполнять все функции денег — быть доступной для граждан, бизнеса, государственных учреждений, банков и небанковских финансовых организаций, дополняя наличную и безналичную гривну.

Второй пилот планировали провести в 2024 году, но из-за смены приоритетов запуск перенесли на 2025 год.

В марте 2025 года НБУ подтвердил подготовку к пилотному проекту CBDC и ее тестирование. Тогда Шабан отметил, что регулятор готовит платформу, которая не будет хранить персональные данные пользователей, а информация будет защищена как банковская тайна.

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