# 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.

China Turns To Interest Rates To Kick-Start Digital Yuan Adoption

China will allow commercial banks to pay interest on digital yuan (e-CNY) wallet balances starting January 1, 2026, shifting the digital currency from a cash-like instrument to a deposit-like asset. The People’s Bank of China (PBOC) introduced the new framework, which brings e-CNY under deposit insurance protection and requires non-bank payment providers to hold full reserves. By November 2025, e-CNY recorded 3.48 billion transactions totaling ¥16.7 trillion ($2.37 trillion). The move may influence where consumers and businesses store funds, as interest-bearing e-CNY becomes more attractive. Banks may face higher operational costs but could benefit from reduced nonbank platform deposits. The policy also strengthens cross-border testing and regulatory oversight.

bitcoinist12/30 20:07

China Turns To Interest Rates To Kick-Start Digital Yuan Adoption

bitcoinist12/30 20:07

Central Bank Decides to Make Budget Payments in Digital Rubles Commission-Free for All

The Central Bank of Russia has decided to make all payments to the state budget using the digital ruble commission-free for both citizens and businesses. This policy, with zero fees for all transaction types, will be in effect from January 1, 2026, until the end of that year. Starting in 2027, certain transactions will incur fees. These include a 15-ruble fee for transfers between legal entities, a 0.3% commission (capped at 1,500 rubles) for transfers from individuals to legal entities (excluding utility bills, paid by the recipient), and a 0.2% fee (capped at 10 rubles) for individual utility payments (paid by the recipient). From September 1, 2026, the largest banks must provide all clients with the ability to open digital ruble wallets. Russians will also be able to receive their salaries in the digital currency. A mandatory rollout schedule was outlined: the 12 largest banks must support operations by September 2026, followed by companies with revenue over 120 million rubles. Smaller companies and all banks will be phased in through 2028. The article notes that Russia is one of the first countries to launch a national digital currency, which is designed for payments only and does not accrue interest. It contrasts this with China's digital yuan (e-CNY), which reportedly did not see high public demand initially. To boost adoption, China's regulator will allow commercial banks to pay interest on digital yuan holdings starting in 2026.

RBK-crypto12/30 11:59

Central Bank Decides to Make Budget Payments in Digital Rubles Commission-Free for All

RBK-crypto12/30 11:59

China to Pay Interest on Digital Yuan to Boost Adoption

China's central bank will allow interest payments on commercial bank holdings of the digital yuan (e-CNY) starting January 1, 2026, transforming it from "digital money" to a "digital deposit currency." This move aims to boost adoption by making e-CNY more attractive compared to non-interest-bearing payment options. Digital yuan holdings will receive deposit insurance protection and be subject to interest rates aligned with existing deposit pricing guidelines. Despite technical maturity, e-CNY adoption has been challenged by dominant mobile payment platforms like Alipay and WeChat Pay. Meanwhile, China is expanding the digital yuan's cross-border usage through international partnerships and has established an e-CNY International Operation Center in Shanghai. The government continues to prohibit cryptocurrency trading and mining while advancing its state-backed digital currency.

TheNewsCrypto12/29 13:28

China to Pay Interest on Digital Yuan to Boost Adoption

TheNewsCrypto12/29 13:28

China CBDC Digital Yuan To Enter New Era on Jan. 1 — Here’s What’s Changing

China's digital yuan (e-CNY) will undergo a major transformation starting January 1, 2026, transitioning from a pilot program to a fully operational central bank digital currency (CBDC). A key change is the shift from a "digital cash" model to an interest-bearing "digital deposit" system, making it the world's first CBDC to pay interest. This move, announced by the People's Bank of China (PBOC), aims to drive adoption by making the e-CNY more attractive for both retail and institutional use. The upgrade enhances the currency's infrastructure with improved security, reserve requirements, and integration into broader financial services like payroll and loans. With transaction volumes already exceeding $986 billion by mid-2024, the e-CNY is poised to strengthen China's leadership in digital currency and expand its role in domestic and global trade.

ccn.com12/29 09:42

China CBDC Digital Yuan To Enter New Era on Jan. 1 — Here’s What’s Changing

ccn.com12/29 09:42

Will the United States Use Encryption Technology to Resolve the 37 Trillion Dollar Debt Crisis?

The article explores the United States' potential use of cryptocurrency and stablecoins to manage its $37 trillion national debt, as suggested by a senior advisor to Russian President Putin. The core idea is that the U.S. could leverage its control over the global reserve currency to "export" inflation and effectively devalue its debt through digital asset systems, forcing other nations to bear the cost. This would not involve direct default but rather a strategic devaluation via monetary expansion, a historically common tactic. Stablecoins, backed by U.S. Treasury assets, could distribute this debt globally. As adoption grows, losses from dollar inflation would be shared by all stablecoin holders worldwide, not just U.S. citizens. This system offers the control of a central bank digital currency (CBDC) without the political baggage. However, trust remains a critical issue: stablecoin reserves cannot be fully independently audited, and the U.S. could unilaterally change rules, as it did when decoupling the dollar from gold in 1971. While a direct government move—like selling gold to buy Bitcoin, as proposed by MicroStrategy’s Michael Saylor—is unlikely, the U.S. may instead allow private companies to lead the adoption. Firms like MicroStrategy accumulating Bitcoin could serve as a backdoor for eventual state interest. The article concludes that some form of digital asset strategy to address the debt crisis is probable, though it may unfold gradually and discreetly.

比推12/25 14:48

Will the United States Use Encryption Technology to Resolve the 37 Trillion Dollar Debt Crisis?

比推12/25 14:48

Online vs. Offline CBDCs — The Privacy Battle Dividing the EU

The EU is divided over the design of its proposed digital euro, with a key conflict emerging between online and offline functionality. The Council of the EU supports a hybrid model that includes both online and offline capabilities. In contrast, privacy-focused members of the European Parliament advocate for an offline-only version, arguing it offers stronger, cash-like privacy by enabling peer-to-peer transactions without centralized tracking. They warn that an online system could allow excessive surveillance of consumer spending. The European Central Bank and European Commission favor the hybrid approach but face opposition from data protection authorities concerned about data minimization. With negotiations set for 2026, the outcome will determine the balance between privacy and functionality in the EU's digital currency.

ccn.com12/25 11:10

Online vs. Offline CBDCs — The Privacy Battle Dividing the EU

ccn.com12/25 11:10

Why Is America Embracing Crypto? The Answer May Lie in Its $37 Trillion Debt

The article explores the claim by a senior Russian advisor that the U.S. is planning to use cryptocurrencies and stablecoins to devalue its $37 trillion national debt by shifting it into a "crypto cloud," effectively forcing the burden onto the global economy. This strategy, while seemingly extreme, aligns with historical U.S. practices of debt dilution through inflation and monetary expansion. Stablecoins, backed by U.S. Treasury assets, could allow the U.S. to export inflation globally by distributing dollar-denominated debt to international holders. When the dollar inflates, the loss in purchasing power is shared by all stablecoin users, not just U.S. citizens. This system offers the control of a central bank digital currency (CBDC) without the political baggage. However, trust remains a critical issue: stablecoin reserves cannot be fully independently verified, and the U.S. could unilaterally change rules, as it did when decoupling the dollar from gold in 1971. While a direct government-led Bitcoin acquisition strategy (as suggested by figures like Michael Saylor) is unlikely, the U.S. may instead leverage private sector entities to accumulate crypto assets discreetly, later integrating them into national strategy. The article concludes that some form of crypto-assisted debt dilution is plausible, if not inevitable, given the scale of U.S. debt and its historical approach to monetary policy.

Odaily星球日报12/24 10:39

Why Is America Embracing Crypto? The Answer May Lie in Its $37 Trillion Debt

Odaily星球日报12/24 10:39

Ripple Chiseled a Crack in the Wall, but Swift Tore Down the Entire Wall

At the Sibos 2025 conference, Swift announced the integration of a blockchain-based shared ledger into its infrastructure, built on Consensys' Ethereum Layer-2 network Linea, to enable secure, real-time, and interoperable digital finance. This move, supported by major banks like JPMorgan and Citibank, aims to bridge traditional finance with tokenized assets using zk-EVM technology for faster, cheaper, and more transparent settlements. While Ripple pioneered blockchain-based cross-border payments with XRP Ledger and achieved significant legal and operational milestones—including court victories against the SEC and expansion into 40+ markets—its reach remains limited compared to Swift’s global network of over 11,000 institutions. Ripple’s model relies heavily on XRP as a bridge currency, whereas Swift’s asset-agnostic approach supports multiple currencies, stablecoins, and CBDCs, reducing dependency on any single asset. Swift’s adoption of blockchain signals a major shift in global finance, potentially freeing trillions in trapped capital and enabling 24/7 real-time settlement. This transition from legacy systems to mathematically verified transactions represents a convergence of TradFi and DeFi, positioning Swift to dominate the next era of value transfer.

marsbit12/23 03:27

Ripple Chiseled a Crack in the Wall, But Swift Tore Down the Entire Wall

At the Sibos 2025 conference, Swift announced a major evolution of its financial infrastructure by integrating a blockchain-based shared ledger to support tokenized assets and enable secure, real-time, and interoperable global transactions. The new system, built on Consensys' Ethereum Layer 2 network Linea, uses zk-EVM rollup technology to reduce costs and settlement times while meeting banking security standards. Over 30 major banks, including JPMorgan and Citibank, are participating in the pilot. The article reflects on Ripple’s long-standing effort to challenge traditional cross-border payments using XRP and RippleNet, which has seen adoption in retail and corporate remittances despite earlier regulatory challenges. However, Swift’s move represents a broader and more systemic shift. Unlike Ripple’s XRP-dependent model, Swift’s ledger is asset-agnostic, supporting CBDCs, stablecoins, and fiat currencies, and leverages its existing network of over 11,000 institutions. This transition marks a convergence of traditional and decentralized finance, enabling 24/7 settlement, reducing reliance on pre-funded accounts, and potentially freeing up trillions in trapped capital. By adopting a neutral, interoperable, and highly scalable blockchain framework, Swift is positioned to redefine global value transfer—moving from a legacy telegraphic model to a digitally-native, mathematically-verified system.

深潮12/23 02:52

EU council endorses offline and online versions of digital euro

The Council of the European Union has endorsed the European Central Bank’s design for a digital euro, supporting the simultaneous launch of both online and offline versions. A key feature is the offline digital euro, which aims to function like cash by allowing device-to-device transactions without internet connection and preventing user activity tracking. However, the system faces security challenges, such as vulnerability to relay attacks exploiting near-field communication (NFC). The European Data Protection Board has expressed concerns, noting that physical proximity—a core feature of cash—is difficult to enforce digitally. Both versions would store private keys in certified devices like smartphones or cards. ECB President Christine Lagarde emphasized that final approval depends on EU lawmakers.

cointelegraph12/22 22:50

EU council endorses offline and online versions of digital euro