印度計劃在未來五年內將大約二十個國家連接到其支付網絡

阿拉伯聯合大公國和印度（都是金磚國家）是最渴望將美元從其交易所中清除的國家之一。

India intends to integrate around twenty nations into its payment network over the next five years.

印度計劃在未來五年內將大約二十個國家納入其支付網路。

Asian De-dollarization

亞洲去美元化

The United Arab Emirates and India (both members of BRICS) are among the nations most eager to purge the dollar from their exchanges. In July 2023, Narendra Modi and Sheikh Mohamed bin Zayed Al Nahyan signed an agreement providing for the settlement of transactions in their respective currencies, the rupee and the dirham.

阿拉伯聯合大公國和印度（都是金磚國家）是最渴望將美元從其交易所中清除的國家之一。 2023 年 7 月，納倫德拉·莫迪和謝赫·穆罕默德·本·扎耶德·阿勒納哈揚簽署了一項協議，規定以各自的貨幣盧比和迪拉姆進行交易結算。

The two nations maintain very strong cultural and commercial relations. India is the UAE’s second-largest trading partner, and the UAE is India’s third-largest trading partner. Their bilateral trade stood at $84 billion in 2023, compared to $73 billion a year earlier.

兩國保持著非常牢固的文化和商業關係。印度是阿聯酋第二大貿易夥伴，阿聯酋是印度第三大貿易夥伴。 2023 年，兩國雙邊貿易額為 840 億美元，而一年前為 730 億美元。

The transaction mechanism is simple: UAE exporters are paid in Indian rupees (invoice denominated in rupees) and credited to their nostro account opened with a bank operating in India. Conversely, Indian exporters receive dirhams for their exports (invoices in dirhams).

交易機制很簡單：阿聯酋出口商以印度盧比付款（發票以盧比計價），並記入他們在印度營運的銀行開設的往來帳戶。相反，印度出口商的出口收入為迪拉姆（發票以迪拉姆為單位）。

Trading in local currencies aims not only to boost bilateral trade but also to develop a payment mechanism enabling the emergence of an INR/AED parity (forex). The goal is to reach volumes that would ensure good liquidity and thus low conversion fees.

以當地貨幣進行交易不僅旨在促進雙邊貿易，還旨在開發一種支付機制，以實現印度盧比/迪拉姆平價（外匯）的出現。目標是達到確保良好流動性和低轉換費用的交易量。

New Blow to the Petrodollar

對石油美元的新打擊

The first agreement was concluded between the Indian Oil Corporation (IOC) which pays in Indian rupees for oil produced in the UAE.

第一份協議是印度石油公司（IOC）之間簽訂的，該公司用印度盧比支付阿聯酋生產的石油。

Central banks of both countries are optimistic, but more work is needed to convince small and medium-sized enterprises.

兩國央行都持樂觀態度，但說服中小企業還需要做更多工作。

The Khaleej Times reports that transaction fees are currently around 2% on average. Fees remain very high for small businesses. The goal of both countries is to ensure that local currency payments “significantly reduce transaction costs”:

根據 Khaleej Times 報道，目前交易費用平均約 2%。對於小型企業來說，費用仍然很高。兩國的目標是確保本幣支付「大幅降低交易成本」：

“This local currency settlement system (LCSS) could make exports more competitive and more accessible to small players. Besides reducing transaction costs, this payment system offers quick settlement times.”

「這種本地貨幣結算系統（LCSS）可以使出口更具競爭力，並且更容易為小型企業所接受。除了降低交易成本外，該支付系統還提供快速的結算時間。

The Emirati newspaper adds:

阿聯酋報紙補充道：

“The rupee-dirham agreement is not a de-dollarization. It aims to reduce reliance on the dollar. The rupee-dirham agreement will protect bilateral trade from geopolitical risks […] and help both countries reduce their dependence and exposure to the reserve currency that is the dollar.”

「盧比兌迪拉姆協議並不是去美元化。其目的是減少對美元的依賴。盧比-迪拉姆協議將保護雙邊貿易免受地緣政治風險的影響[……]並幫助兩國減少對美元儲備貨幣的依賴和敞口。

Internationalization of the Rupee

盧比國際化

The Reserve Bank of India (RBI) plans to connect its instant payment system to 20 countries over the next five years.

印度儲備銀行 (RBI) 計劃在未來五年內將其即時支付系統連接到 20 個國家。

In its annual report, the RBI indicates that interconnection work will begin this year. The project will be led by the National Payments Corporation of India (NPCI) via the UPI (Unified Payments Interface) system.

印度儲備銀行在年度報告中表示，互連工作將於今年開始。該專案將由印度國家支付公司（NPCI）透過 UPI（統一支付介面）系統領導。

UPI is operational in France, Sri Lanka, Bhutan, Nepal, Singapore, Peru as well as in the United Arab Emirates.

UPI 在法國、斯里蘭卡、不丹、尼泊爾、新加坡、秘魯以及阿拉伯聯合大公國運作。

The NPCI plans to soon deploy its UPI system in about ten Asian countries. These include Malaysia, Thailand, Philippines, Vietnam, Singapore, Cambodia, South Korea, Japan, Taiwan, and Hong Kong.

NPCI 計劃很快在大約十個亞洲國家部署其 UPI 系統。這些國家包括馬來西亞、泰國、菲律賓、越南、新加坡、柬埔寨、韓國、日本、台灣和香港。

“Efforts are underway to internationalize the Indian rupee through the settlement of bilateral trade in local currency”, states the RBI report.

印度儲備銀行的報告指出，「正在努力透過以當地貨幣結算雙邊貿易來實現印度盧比的國際化」。

De-dollarization is not a myth. A myriad of solutions are currently being tested around the globe.

去美元化並不是神話。目前，全球各地正在測試無數的解決方案。

That said, Bitcoin remains far ahead of its time. It is an almost free international payment system and a store of value at the same time.

也就是說，比特幣仍然遠遠領先於時代。它是一個幾乎免費的國際支付系統，同時也是一種價值儲存手段。

Transferring the equivalent of 100 million rupees in Bitcoin costs $1. Conversely, 2% fees on 100 million give us 2 million rupees, or $24,000…

轉帳等值 1 億盧比的比特幣費用為 1 美元。相反，1 億美元的 2% 費用給我們 200 萬盧比，即 24,000 美元…

Don’t miss our article on de-dollarization: The Dollar Falters.

不要錯過我們關於去美元化的文章：美元動搖。

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透過我們的「閱讀賺錢」計畫最大化您的 Cointribune 體驗！您閱讀的每篇文章均可賺取積分並獲得獨家獎勵。立即註冊並開始累積福利。

Bitcoin, geopolitical, economic and energy journalist.

比特幣、地緣政治、經濟和能源記者。