# 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.

RAKBANK Wins Approval for AED Stablecoin as UAE’s Digital Dirham Skips 2025 Launch

RAKBANK has received in-principle approval from the Central Bank of the UAE (CBUAE) to issue an AED-backed stablecoin for digital payments. The stablecoin will be fully backed by UAE dirham reserves held in regulated accounts, with transparency ensured through independent audits and smart contracts. This approval allows RAKBANK to advance in the digital assets space, following its earlier integration of crypto trading services. Meanwhile, the UAE’s central bank digital currency (CBDC), the Digital Dirham, has been delayed past its planned 2025 launch. The CBUAE reportedly suspended testing due to concerns over privacy, cybersecurity, and potential disruptions to the banking system. This delay has created an opportunity for private institutions like RAKBANK to lead innovation in regulated stablecoins. RAKBANK’s move is part of a broader trend of UAE banks launching compliant stablecoins, following similar approvals for Zand Bank and AED Stablecoin LLC. The UAE appears to be prioritizing private-sector digital currency solutions while its CBDC remains under development.

ccn.com01/07 10:13

RAKBANK Wins Approval for AED Stablecoin as UAE’s Digital Dirham Skips 2025 Launch

ccn.com01/07 10:13

RWA Weekly Report｜Non-US Government Debt Rises by 18.8%; Yield-Bearing Stablecoins Generate Over $250 Million in Returns in 2025 (12.30-1.6)

RWA Weekly Report: Non-US Government Debt Surges 18.8%; Yield-Bearing Stablecoins Generate Over $250M in Returns (Dec 30 - Jan 6) The on-chain total value of Real World Assets (RWA) continued its upward trend, increasing by 2.83% to $19.59 billion. The broader RWA market saw a slight contraction, falling 0.26% to $401.53 billion. User activity grew significantly, with the number of asset holders rising 3.82% to 604,909. Stablecoin holders also increased by 2.54% to 217.94 million, though the total stablecoin market cap dipped slightly by 0.2%. In terms of asset structure, US Treasuries remained dominant at $8.7 billion. A notable standout was non-US government debt, which surged 18.8% to $772.1 million. Public equity also grew by 7.6% to $775.4 million. In contrast, private credit was the only sector to see a significant decline, decreasing by $200 million to $2.3 billion. Key developments included Ethereum stablecoin transfer volume exceeding $8 trillion in Q4, a new record. Yield-bearing stablecoins generated over $250 million in returns in 2025, with sUSDe, BUIDL, and sUSDS being major contributors. Tether invested in the cross-border QR code payment platform SQRIL. Standard Chartered and Ant International launched a commercial blockchain-based tokenized deposit solution in Hong Kong and Singapore. The report also highlighted growing institutional engagement, with PwC increasing its focus on crypto and BlackRock noting that stablecoins are becoming a bridge between traditional finance and digital liquidity, potentially challenging government control over fiat currencies. Despite predictions of a potential "crypto winter" in 2026 by some analysts, the underlying trends of institutionalization and on-chain transformation, particularly in RWA tokenization, are expected to continue advancing.

Odaily星球日报01/06 09:59

RWA Weekly Report｜Non-US Government Debt Rises by 18.8%; Yield-Bearing Stablecoins Generate Over $250 Million in Returns in 2025 (12.30-1.6)

Odaily星球日报01/06 09:59

After a 600% Surge, Can Zcash Really Challenge BTC?

This article critically examines the narrative that Zcash (ZEC), after a 600% price surge, could challenge Bitcoin (BTC) as a form of money. The author, drawing from a personal background valuing financial sovereignty and privacy, acknowledges the importance of privacy coins like ZEC, which uses zk-SNARKs to enable shielded, untraceable transactions. However, the central argument is that ZEC functions primarily as a privacy tool or "tunnel" for obfuscating funds before users exit to BTC, stablecoins, or fiat, rather than as a long-term store of value. The author asserts that Bitcoin's monetary status is unshakable due to its first-mover advantage, immense network effects, and its establishment as a dominant Schelling point for value storage. This creates a "winner-takes-all" dynamic in monetary competition, leaving no room for a "second money." Data shows ZEC's recent price surge is driven by a supply squeeze from coins moving into shielded pools, not by organic adoption as money. Furthermore, tools like chain analysis can still de-anonymize a significant portion of ZEC transactions. The conclusion is that while privacy is a crucial and growing necessity, ZEC is a utility for transactions, not money. Investors should not confuse its speculative narrative with Bitcoin's entrenched monetary premium, which is based on a fundamentally different value proposition.

比推01/05 19:44

After a 600% Surge, Can Zcash Really Challenge BTC?

比推01/05 19:44

Does The Digital Euro Use XRP? Here’s What We Know

Crypto pundit SMQKE has suggested a potential connection between the proposed digital euro and XRP Ledger (XRPL), noting that the DLT pilot program for the CBDC may use XRPL-based technology from Axiology. However, the European Central Bank has not confirmed if the digital euro will launch on any public blockchain, including XRPL. The XRP Ledger already hosts several stablecoins, including Ripple's RLUSD and EURØP, which could boost XRP adoption. Meanwhile, conflicting views exist on whether banks are accumulating XRP or simply using Ripple's payment solutions for cross-border transactions. XRP's price was up 3% to $2.13 at the time of writing.

bitcoinist01/05 19:06

Does The Digital Euro Use XRP? Here’s What We Know

bitcoinist01/05 19:06

RWA Weekly: Digital Yuan Wallets Implement Interest on Balances, Ondo's Tokenized Silver Product Surges Over 155% in Market Cap in 30 Days

RWA Weekly: Digital Yuan Wallets to Earn Interest, Ondo's Tokenized Silver Surges Over 155% This weekly report covers December 27, 2025, to January 2, 2026. The on-chain RWA market cap grew steadily to $19.21 billion, with holders nearing 600,000, though growth suggests potential demand constraints. Stablecoin market cap slightly declined to $2.97 trillion, but monthly transfer volume surged 13.77%, indicating an "efficiency-driven" phase. RWA protocol TVL has surpassed DEXes to become the fifth-largest DeFi category. In China, the PBOC announced plans to enhance the digital yuan management system, with six major state-owned banks introducing interest payments (0.05% annual rate) on balances in verified digital yuan wallets starting January 1, 2026, advancing its function toward M1. Cross-border adoption accelerated, with Bank of China completing the first QR code payment between China and Laos. Globally, the US FASB plans to study whether stablecoins can be classified as cash equivalents in 2026. India's central bank urged prioritizing CBDCs over private stablecoins due to financial stability concerns. Notable project developments include BlackRock's tokenized money market fund BUIDL distributing over $100 million in dividends, and Ondo's tokenized silver product (SLVon) surging over 155% in market cap to nearly $18 million. Commodity tokenization expanded with platforms like MSX listing copper, uranium, and oil tokens. The report highlights growing interest in tokenized commodities amid rising gold and silver prices, and discusses stablecoins' evolution toward programmable money and AI-driven "agent finance," emphasizing transparency and global reach as key advantages over traditional finance.

marsbit01/02 05:05

RWA Weekly: Digital Yuan Wallets Implement Interest on Balances, Ondo's Tokenized Silver Product Surges Over 155% in Market Cap in 30 Days

marsbit01/02 05:05

Crypto’s Original Promise At Risk As US Lawmaker Flags Growing Financial Surveillance

U.S. Representative Warren Davidson warns that proposed legislation, particularly the GENIUS Act (S.1582), threatens the foundational principles of cryptocurrency—permissionless and private transactions. He argues the bill, which establishes a federal framework for stablecoin issuance, could enable a government-controlled financial system resembling a wholesale central bank digital currency (CBDC). Davidson and other critics fear the implementation of an account-based model tied to digital identity would allow extensive transaction monitoring and control, undermining financial privacy and freedom. The debate in Congress centers on balancing regulatory clarity and consumer protection with the risks of increased financial surveillance and centralized power. The outcome will significantly impact crypto policy, attracting attention from various stakeholders including banks, tech firms, and privacy advocates.

bitcoinist01/01 14:32

Crypto’s Original Promise At Risk As US Lawmaker Flags Growing Financial Surveillance

bitcoinist01/01 14:32

US Banks’ Push To Ban Stablecoin Rewards Could Hand Global Advantage To China, Execs Warn

Crypto industry leaders warn that U.S. banks' efforts to ban interest payments on stablecoins could undermine the competitiveness of the U.S. dollar and hand a strategic advantage to global rivals like China. This follows China's announcement that it will pay interest on its Digital Yuan (e-CNY) starting in 2026, granting it similar status to bank deposits. Coinbase’s Chief Policy Officer, Faryar Shirzad, cautioned that such a prohibition could weaken the impact of the recently passed GENIUS Act, which aims to solidify the dominance of U.S. dollar stablecoins. Other executives, including Coinbase CEO Brian Armstrong and Variant CLO Jake Chervinsky, echoed that this is not just a regulatory issue but a matter of national security, arguing that limiting stablecoin rewards could diminish the global role of the dollar and strengthen China's position in the digital currency landscape.

bitcoinist01/01 11:34

US Banks’ Push To Ban Stablecoin Rewards Could Hand Global Advantage To China, Execs Warn

bitcoinist01/01 11:34

Stablecoin Usage Surged In 2025 as Coinbase Exec Warns US Ban May Grant China Advantage

Stablecoin usage surged significantly in 2025, driving growth in crypto payments and on-chain trading despite a cooling market, according to industry data. Bitget Wallet reported a 232% year-over-year increase in monthly swap trading volume and a 291% rise in perpetual futures volume. Wallets evolved beyond trading tools to support everyday spending and asset management, with crypto card spending growing sixfold since July. Stablecoin-based yield products also gained traction, with subscriptions nearing $200 million per quarter. Amid this growth, U.S. regulatory debates over dollar-pegged tokens drew warnings from Coinbase’s chief policy officer, Faryar Shirzad. He cautioned that restricting rewards on U.S. stablecoins could hand China a strategic advantage, especially after the People’s Bank of China announced plans to pay interest on the digital yuan. Meanwhile, South Korea delayed its stablecoin regulations until 2026, and JPMorgan reportedly froze accounts of two stablecoin startups over compliance issues.

ccn.com01/01 08:52

Stablecoin Usage Surged In 2025 as Coinbase Exec Warns US Ban May Grant China Advantage

ccn.com01/01 08:52

What Impact Does Interest-Bearing Digital Yuan Have on Hong Kong's Digital Finance?

China's digital yuan (e-CNY) has entered a new phase with the introduction of interest-bearing wallets starting January 2026, transitioning from a "digital cash" to a "digital deposit currency" model. This makes it the world’s first CBDC to pay interest to general users, fundamentally changing its legal nature from a central bank liability to a commercial bank liability, while still backed by sovereign credit. This innovation addresses a core challenge faced by global CBDC initiatives: avoiding financial disintermediation while promoting adoption. By allowing commercial banks to manage and profit from e-CNY deposits, China has turned a potential competitor into a integrated part of the banking system, creating sustainable incentives for adoption and enabling new monetary policy tools. For Hong Kong, interest-bearing e-CNY is transformative development. It enhances the city’s role as an offshore RMB hub by encouraging longer-term retention of digital yuan within its financial system, especially through platforms like mBridge. It also strengthens Hong Kong’s digital asset ecosystem by providing a high-credit settlement option for tokenized assets, enables new fintech innovations around programmable money, and complements—rather than competes with—Hong Kong’s own wholesale-focused digital Hong Kong dollar strategy. Together, these advances support Hong Kong’s ambition to become an international digital asset center.

marsbit01/01 08:12

What Impact Does Interest-Bearing Digital Yuan Have on Hong Kong's Digital Finance?

marsbit01/01 08:12

Pakistan’s Crypto Push Could Make It A Global Leader By 2030, CZ Claims

According to Binance founder Changpeng "CZ" Zhao, Pakistan has the potential to become a leading global crypto hub by 2030 if it maintains its current pace of regulatory development and adoption. CZ made these remarks during a discussion with Bilal bin Saqib, head of the Pakistan Crypto Council. The country has established the Pakistan Virtual Assets Regulatory Authority (PVARA), which has issued preliminary approvals to global exchanges like Binance and HTX to operate locally. Pakistan is also drafting a Virtual Assets Act and forming a Crypto Council to ensure market credibility. Key initiatives include potential tokenization of up to $2 billion in sovereign assets, plans for a national stablecoin, and a central bank digital currency (CBDC) pilot. With an estimated 15–20 million crypto users and interest in using excess electricity for Bitcoin mining, Pakistan is positioning itself for significant growth, though some regulatory measures still require parliamentary approval to become permanent.

bitcoinist12/31 17:08

Pakistan’s Crypto Push Could Make It A Global Leader By 2030, CZ Claims

bitcoinist12/31 17:08

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