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ECB's Schnabel says central bank money 'should move to blockchain'

ECB Executive Board member Isabel Schnabel stated that central bank money "must move onto the blockchain." She argued that stablecoins lack the independent ability to scale liquidity during financial stress—a gap only a central bank can fill. Her proposed solution involves tokenization, which she says can make transactions faster, safer, and more programmable, but only if the safest asset (central bank money) is on the same "rails" as other tokenized assets. This marks a notable shift for the Eurosystem, which had previously viewed Distributed Ledger Technology (DLT) mainly as a tool for regulating stablecoins and crypto, not as infrastructure to adopt directly. The first step is Project Pontes, launching in September. It will initially synchronize the ECB’s existing TARGET services with private DLT platforms. Eventually, it aims to enable settlement finality on a Eurosystem-managed DLT platform with smart contract functionality and 24/7 operation. The long-term strategy is Project Appia, tasked with developing the architecture, standards, and legal framework for a genuine European tokenized asset market by 2028. Trials have already processed around €1.6 billion, and since March 2026, the ECB accepts DLT-based assets as collateral. While not directly impacting Bitcoin's price, these developments signal that a major G7 central bank is preparing to settle transactions on-chain, lending legitimacy to the underlying infrastructure of crypto markets. The ECB's move to avoid "disintermediation" by private tokenization shows that debates in central bank boardrooms are now aligning with discussions long followed in the crypto space.

cryptonews.ruHace 4 hora(s)

ECB's Schnabel says central bank money 'should move to blockchain'

cryptonews.ruHace 4 hora(s)

Russia’s Sber eyes USDT loans, questions digital ruble demand

Russia's largest bank, Sber, intends to expand its cryptocurrency-backed lending services to include Tether's USDt stablecoin and Ether as collateral, in addition to Bitcoin, following the enactment of a new Russian crypto law. The expansion is contingent upon approval from the Bank of Russia, which recently proposed these assets for regulated exchange trading. Concurrently, Sber has expressed skepticism regarding demand for Russia's central bank digital currency (CBDC), the digital ruble, noting a lack of clear interest from retail, corporate, or institutional clients ahead of its broader launch.

cointelegraphHace 10 hora(s)

Russia’s Sber eyes USDT loans, questions digital ruble demand

cointelegraphHace 10 hora(s)

iPhone Owners Will Not Be Able to Use the Digital Ruble - Vedomosti

iPhone users in Russia will face obstacles in using the digital ruble, the country's central bank's new digital currency, according to a report by Vedomosti. The Bank of Russia's website states iOS device owners can only use the digital ruble with an updated banking app containing the necessary features. However, banks cannot upload these updated apps to the App Store by the September 1st deadline. The main hurdles are sanctions and technical requirements. Apple blocks apps from sanctioned Russian banks. Furthermore, the Bank of Russia mandates that apps use Russian cryptographic standards, connect to specific central bank domains and APIs. Apple identifies these technical elements as markers of affiliation with the Russian state financial infrastructure, leading to app rejection. Certified solutions already exist for Android. Apple's review process scrutinizes not just code but also the build's origin—including developer accounts, cryptographic keys, and network requests—which can lead to blocks for apps or entire developer accounts. While "guerrilla apps" or clones sometimes appear, they are typically removed from the App Store within days or hours. For iPhone users, some banks offer web-based access to digital ruble functions as an alternative. However, major banks like VTB, RSHB, and "Russia" told Vedomosti the digital ruble is only available in their Android apps. Starting September 1st, 12 systemically important Russian banks, including Sberbank, VTB, and Alfa-Bank, are required to provide access to the digital ruble, which must be integrated as a wallet within their own banking applications, not a separate app. Also from September, all major Russian companies are mandated to begin accepting digital ruble payments, with telecom operators and marketplaces announcing the service's launch.

cryptonews.ruHace 2 días 09:41

iPhone Owners Will Not Be Able to Use the Digital Ruble - Vedomosti

cryptonews.ruHace 2 días 09:41

Russia Introduces Digital Ruble from September 1, But Maintains Ban on Cryptocurrency Payments

Russia will launch its central bank digital currency (CBDC), the digital ruble, on September 1. Major telecommunications companies (MTS, Rostelecom, Megafon) and major online retailers (Wildberries, Ozon) are preparing to accept it for payments. However, Russia maintains its ban on using cryptocurrencies like Bitcoin for direct payments, drawing a clear line between state-controlled digital money and private alternatives. A new law mandates a phased adoption: large retailers must accept the digital ruble by September 2026, with smaller businesses following by 2028. All systemically important Russian banks are required to support the currency from launch. The digital ruble will be fee-free for individuals, accessible via existing banking apps, with monthly top-up limits. This move is positioned as a way to advance state-backed digital currency in daily transactions while preventing the adoption of cryptocurrencies and stablecoins, which the central bank views as a threat to monetary sovereignty. Despite the official push, recent public opinion polls indicate significant hesitation among Russians, with a majority expressing reluctance to use the digital ruble or receive salaries in it.

cryptonews.ru08/26 11:46

Russia Introduces Digital Ruble from September 1, But Maintains Ban on Cryptocurrency Payments

cryptonews.ru08/26 11:46

India plans to issue first tokenized bonds using wholesale CBDC - Reuters

India plans to launch its first tokenized corporate bonds in September as part of a blockchain-based pilot using its central bank digital currency (CBDC) for settlements. State-run infrastructure financing firm REC Limited will issue bonds worth under 5 billion rupees ($57 million), initially available to a limited investor group at a fintech event in Mumbai. Investors will require two digital accounts: a CBDC wallet and a new "DEMAT 2.0" securities wallet employing distributed ledger technology to record ownership. The Reserve Bank of India and the Securities and Exchange Board of India are collaborating on the initiative. The bonds will have a three-month lock-in period, with exchanges expected to establish a secondary market by December.

cryptonews.ru08/25 14:41

India plans to issue first tokenized bonds using wholesale CBDC — Reuters

India is planning to launch its first tokenized corporate bonds in September as a pilot project, with settlements using the country's blockchain-based wholesale central bank digital currency (CBDC). State-controlled infrastructure finance company REC Limited plans to issue bonds worth less than 5 billion rupees ($57 million), as reported by Reuters. Initially, only a limited group of investors will participate in the pilot, which may be unveiled at a fintech event in Mumbai. Investors will use two digital wallets: one for the wholesale CBDC provided by a bank and a new DEMAT 2.0 securities wallet that will record bond ownership on a distributed ledger. The Reserve Bank of India (RBI) and the Securities and Exchange Board of India (SEBI) are jointly developing the initiative. The bonds will have a three-month initial lock-in period, and exchanges are expected to establish a secondary market by December.

cryptonews.ru08/25 12:25

Digital Ruble Payment for Communications to Begin in Russia

Major Russian telecom operators are preparing to accept payments in the digital ruble (CBDC). MTS will enable the option for all services integrated with its MTS Pay system, with no restrictions on goods or services. Rostelecom is developing its platform with a major bank, initially for one-time payments on its website, with plans to expand to customer accounts and recurring payments later. Megafon will also adopt it as an additional payment method. This follows recent announcements from major marketplaces Wildberries and Ozon, which will start accepting the digital ruble from September 1. From that date, major Russian businesses are legally required to process transactions in this third form of national currency. Applications of the 12 systemically important Russian banks must include a button to access digital ruble wallets. The Central Bank of Russia plans to set a monthly top-up limit of 300,000 rubles per bank for these wallets.

cryptonews.ru08/25 09:59

Digital Ruble Payment for Communications to Begin in Russia

cryptonews.ru08/25 09:59

ECB Defends Digital Euro Privacy Amid Global CBDC Controversy

The European Central Bank (ECB) is defending the privacy features of its proposed central bank digital currency (CBDC), the digital euro. In a recent interview, ECB Executive Board member Piero Cipollone stated that the digital euro would limit the amount of transaction information available to the central bank. The Eurosystem would not be able to identify users sending or receiving payments. Only the banks involved in transactions could identify users for purposes like anti-money laundering. For offline transactions, payment details would be visible only to the payer and payee. Despite these assurances, some lawmakers, privacy advocates, and the crypto community have warned that state-issued digital currencies could increase financial surveillance. The ECB also presented the digital euro as a tool for Europe's "payment sovereignty," aiming to reduce dependence on non-European payment service providers. A European Parliament committee advanced related legislation in June. The ECB suggests the digital euro could be launched as early as 2029, pending final approval and technical completion.

cryptonews.ru08/24 11:42

ECB Defends Digital Euro Privacy Amid Global CBDC Controversy

cryptonews.ru08/24 11:42

Wildberries and Ozon Begin Accepting Payment in Digital Rubles

Russian e-commerce giants Wildberries and Ozon are beginning to accept payment in digital rubles. Ozon will launch a test mode for the Central Bank Digital Currency (CBDC) from September alongside traditional payment methods, with plans to gradually roll it out to all customers. Wildberries stated it would operate in compliance with Bank of Russia regulations. From September 1st, applications of Russia's 12 systemically important banks, including Sberbank, T-Bank, VTB, and Alfa-Bank, must feature a button to open a digital ruble wallet, according to the central bank. The Bank of Russia will set a monthly top-up limit of 300,000 rubles for these wallets from non-cash accounts. By law, large retail networks with annual revenues exceeding 120 million rubles are required to accept digital ruble payments starting in September, with plans to later extend this obligation to smaller sellers. To promote adoption, the central bank has announced economic incentives, including rewarding commercial banks for salary payments made to employees in digital rubles starting January 1, 2027.

cryptonews.ru08/21 08:21

Wildberries and Ozon Begin Accepting Payment in Digital Rubles

cryptonews.ru08/21 08:21

"How to Avoid Unforeseen Circumstances": The Truth About the 300,000 Limit on the Digital Ruble

The Bank of Russia has confirmed a monthly limit of 300,000 rubles for replenishing digital ruble wallets from traditional bank accounts. Announced by Alla Bakina, head of the central bank's national payment system department, this cap is not new and was established during the pilot phase to manage liquidity risks between conventional and digital accounts, not to curb potential high demand. Key details from the article include: each Russian citizen will have a single digital wallet, accessible from September 1, 2026, via apps of participating banks; all systemically important banks and several others will offer the service; and acceptance will be mandatory only for large retail chains. Survey data suggests no immediate rush to adopt the digital ruble. While 46% of respondents are ready to use it, popular use cases focus on receiving state payments and paying taxes. Most Russians are against receiving salaries in the digital currency. Given this cautious public stance, the 300,000-ruble limit appears more as a precautionary measure than a response to actual demand. An interesting parallel is noted: Russian law sets the same 300,000-ruble threshold, but as an annual limit for non-qualified investors buying cryptocurrency, making that restriction significantly stricter.

cryptonews.ru08/20 08:56

"How to Avoid Unforeseen Circumstances": The Truth About the 300,000 Limit on the Digital Ruble

cryptonews.ru08/20 08:56

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