Объем недолларовых стейблкоинов вырос. На каком месте рублевые токены

cryptonews.ru2025-04-21 tarihinde yayınlandı2025-10-22 tarihinde güncellendi

С начала года рыночная стоимость стейблкоинов, привязанных к отличным от американского доллара активам, увеличилась в 2,5 раза

Совокупная капитализация стейблкоинов впервые в истории крипторынка превысила $307 млрд. При этом, наблюдается рост интереса к токенам, курс которых привязан к отличным от доллара США национальным валютам и другим активам. С начала 2025 года капитализация таких стейблкоинов выросла почти в 2,5 раза до отметки $1,2 млрд.

Стейблкоины — это криптовалютные токены, курс которых привязан к какому-либо активу, например к рублю, доллару, евро или золоту. В качестве обеспечения паритета с базовым активом компании используют ценные бумаги, национальные валюты либо другие традиционные или криптовалютные активы. Около 59% рынка в настоящий момент приходится на токены USDT от Tether, привязанные к курсу доллара.

По данным DefiLlama на октябрь 2025 года, в числе лидеров по выпущенным объемам среди недолларовых стейблкоинов входят: рублевый токен А7А5 (более $480 млн), привязанный к евро стейблкоин EURC от Circle ($265 млн) и OpenEden TBILL ($212 млн), обеспечивающий доступ к краткосрочным государственным ценным бумагам США. В общей сложности рейтинг включает около 300 токенов с фиксированным курсом, включая синтетические стейблкоины большинства DeFi-проектов.

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Рублевые стейблкоины

Список стабильных токенов на основе отличных от доллара национальных валют расширяется. Существуют активы на базе евро, юаня, казахстанского тенге, бразильского реала или турецкой лиры. Та же Circle (эмитент USDC) в 2025 году получила одобрение регулирующего органа Абу-Даби на запуск местного варианта стейблкоина, нацеливаясь на Ближний Восток. В ОАЭ также анонсировали привязанный к дирхаму стейблкоин под регулированием Центробанка.

Весной 2025 года на криптоконференции Blockchain Forum в Москве в рамках панельной сессии «Криптовалютная геополитика: как Россия и мир формируют тренд в сфере цифровых активов» обсуждали в том числе возможность запуска рублевого токена. К началу октября появился только один рублевый вариант на крипторынке — A7A5, эмитированный в Киргизии.

С практической точки зрения сценарии применения таких токенов могут включать трансграничную торговлю, где прямые расчеты между компаниями из разных юрисдикций могут проходить без долларовой конвертации, задержек SWIFT и высоких комиссий.

Например, поставщик из Казахстана получит оплату от партнера в Турции в стейблкоинах на основе евро или рубля за считанные минуты. С этой точки зрения A7A5 — пока что единственный работоспособный ликвидный рублевый вариант.

Его инфраструктура включает сервис StablePay с возможностью пополнения виртуальной карты Mastercard и оплаты товаров и услуг в странах с поддержкой Apple Pay и Google Pay. Разрабатывается интеграция с платежной системой «Мир» и выпуск карт для иностранных пользователей. Это потенциально расширит варианты расчетов с российскими контрагентами.

Также проект реализовал инструмент цифрового векселя: его можно использовать как в бумажной форме, так и в виде токенизированного актива, обеспеченного A7A5. Вексель может быть передан другому участнику или быстро обменян обратно на токены.

Ранее на этой неделе в Chainalysis заявили, что такие инструменты, как стейблкоин А7А5, способствовали росту оборота криптовалют между россиянами и другими странами. По оценкам аналитиков, это привело к тому, что по использованию криптовалют Россия обогнала все страны Европы, включая Великобританию и Германию.

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