引入虛擬黃金來利用尼泊爾僑民的力量

當個人購買數字黃金代幣時，該平台發行了由24克拉實物黃金支持的代幣，無論是從自己的儲備金還是用客戶資金購買的，並牢固地存儲在保險庫中，消除了對個人存儲和安全問題的需求。

When an individual purchases digital gold tokens, the platform issues tokens backed by 24-karat physical gold, either from their own reserves or purchased with customer funds, are securely stored in vaults, eliminating the need for personal storage and security concerns.

當個人購買數字黃金代幣時，該平台發出的代幣由24克拉物理黃金（由自己的儲備金或用客戶資金購買）牢固地存儲在保險庫中，消除了對個人存儲和安全問題的需求。

Over the decades of political instability, entrenched bureaucratic red tape, cronyism, political collusion, and monopolistic business cartels have made Nepal’s economy increasingly unappealing to investors. This is coupled with a saturated and stagnant real estate market offering little to no capital appreciation, rendering little incentive to invest. Even sentimental attachment no longer justifies such high-risk, low-return opportunities.

在數十年的政治不穩定中，根深蒂固的官僚繁文tape節，裙帶關係，政治勾結和壟斷的商業卡特爾使尼泊爾的經濟越來越對投資者毫無吸引力。加上飽和且停滯不前的房地產市場幾乎沒有資本增值，幾乎沒有投資的動力。即使是感性的依戀也不會給這種高風險，低迴報的機會辯護。

Even in times of economic uncertainty, gold remains a secure, universally recognized and trusted commodity. While investors’ confidence in alternative assets tends to dwindle during periods of inflation or geopolitical uncertainty, gold's value normally appreciates, retaining or even increasing purchasing power. However, despite its well-known benefits, acquiring and trading physical gold poses certain practical challenges. This is where virtual gold comes in, offering a modern and practical way to invest in gold without the associated burdens.

即使在經濟不確定性時期，黃金仍然是一種安全，普遍認可和值得信賴的商品。儘管投資者對替代資產的信心在通貨膨脹或地緣政治不確定性期間往往會減少，但黃金的價值通常會欣賞，保留甚至增加購買力。但是，儘管有眾所周知的收益，但獲得和交易的實物黃金仍帶來了某些實際挑戰。這是虛擬黃金進來的地方，提供了一種現代而實用的方式來投資黃金而沒有相關負擔。

One of the biggest concerns investing in physical gold is ensuring its purity, whereas digital gold eliminates any doubts about authenticity and quality. Physical gold often incurs high manufacturing costs, which digital gold investors avoid. Another major advantage is convenience: virtual gold enables hassle-free, instant transactions through fintech apps or digital wallets, enhancing transparency. Fractional ownership is another key feature, allowing investors to purchase a percentage of tokens with minimal amounts, thereby making gold investment accessible to a wide range of investors, including those with limited capital.

投資實物黃金的最大問題之一是確保其純度，而數字黃金消除了對真實性和質量的任何疑問。實體黃金通常會造成高生產成本，數字黃金投資者避免了這一成本。另一個主要優點是便利：虛擬金可以通過金融科技應用程序或數字錢包進行無麻煩的即時交易，從而提高了透明度。分數所有權是另一個關鍵功能，使投資者可以購買一定數量的代幣，從而使大量投資者（包括資本有限的投資者）可以使用黃金投資。

It's crucial to understand that buying digital gold doesn't mean investing in something intangible. When an individual purchases digital gold tokens, the platform issues tokens backed by 24-karat physical gold, either from their own reserves or purchased with customer funds, are securely stored in vaults, eliminating the need for personal storage and security concerns.

要了解購買數字黃金並不意味著投資無形資產是至關重要的。當個人購買數字黃金代幣時，該平台發出的代幣由24克拉物理黃金（由自己的儲備金或用客戶資金購買）牢固地存儲在保險庫中，消除了對個人存儲和安全問題的需求。

Global precedents already exist. Leading global banks like HSBC have implemented gold token systems, demonstrating the feasibility of this model. Implementing a virtual gold system tailored to Nepal’s unique context will require careful planning. A strategic first step could be a pilot program exclusively targeting the diaspora, enabling them to invest in digital gold directly in US dollars. This ensures a steady foreign currency inflow and safeguards Nepal’s forex reserves. For Nepal Rastra Bank and the banking sector, virtual gold presents a low-risk financial product as they acquire physical gold using funds from customers purchasing virtual tokens, while earning revenue through transaction fees, service charges, and potential capital gains. Since investment risks are borne by the investors, not the institutions, this approach minimizes institutional risk exposure and helps maintain the stability of Nepal’s capital market. As the diaspora invests in digital gold, banks would purchase physical gold from international markets, thereby increasing national reserves. This, in turn, would enhance Nepal’s ability to withstand external shocks and generate positive macroeconomic outcomes.

全球先例已經存在。匯豐銀行（HSBC）等全球銀行已經實施了黃金令牌系統，證明了該模型的可行性。實施針對尼泊爾獨特背景的虛擬黃金系統將需要仔細的計劃。戰略性的第一步可能是針對僑民的試點計劃，使他們能夠直接以美元投資數字黃金。這樣可以確保穩定的外幣流入和保障尼泊爾的外匯儲備。對於尼泊爾Rastra銀行和銀行業，Virtual Gold使用購買虛擬令牌的客戶的資金獲得了低風險的金融產品，同時通過交易費用，服務費和潛在的資本利益獲得收入。由於投資風險是由投資者而不是機構承擔的，因此這種方法可最大程度地減少機構風險敞口，並有助於維持尼泊爾資本市場的穩定性。隨著僑民投資數字黃金，銀行將從國際市場購買實物黃金，從而增加國家儲備。反過來，這將增強尼泊爾承受外部衝擊並產生積極的宏觀經濟結果的能力。

Perhaps the most significant aspect of connecting Nepal and its global diaspora through virtual gold is its potential to rebuild long-standing trust. For many years, expatriate investors faced limited and risky investment opportunities in Nepal. A secure, well-regulated, and globally interconnected digital investment product would convey a strong statement that Nepal is committed to engage its diaspora in mutually beneficial collaborative partnership. This extends beyond finance and serves as a symbolic bridge, restoring confidence, trust, and active economic participation of the diaspora. Crucially, this model holds future promise for countless Nepalese investors held back by exploitative monopolies of the gold cartel, excessive making charges, deceptive weight deductions (“jarti”), and the inability to liquidate assets swiftly and fairly.

通過虛擬黃金將尼泊爾及其全球僑民聯繫起來的最重要方面也許是重建長期信任的潛力。多年來，外籍投資者在尼泊爾面臨有限且冒險的投資機會。安全，良好的調節和全球互連的數字投資產品將傳達出強有力的聲明，即尼泊爾致力於與散居其散居的互助合作夥伴關係。這超出了財務，並充當象徵性的橋樑，恢復了僑民的信心，信任和積極的經濟參與。至關重要的是，這種模式為無數尼泊爾投資者提供了未來的希望，因為金卡特爾的剝削壟斷，過多的收費，欺騙性的體重扣除（“ jarti”）以及無法迅速而公平地清算資產。

As Nepal’s banking sector advances toward digital transformation, clear regulatory frameworks, policies, and robust cybersecurity protocols for virtual gold are essential to ensure smooth operations and minimize risks. Fintech companies must collaborate closely with trusted international custodians to safeguard digital assets, simplify transactions, and build investor confidence. With commercial banks struggling to deploy excess liquidity and non-performing loans averaging around 5 percent (and likely higher in reality), Nepal Rastra Bank has a timely opportunity to act. Converting a portion of these idle bank reserves into gold holdings would bolster financial stability, improve resilience to external shocks, and pave the way for a regulated virtual gold transaction framework.

隨著尼泊爾的銀行業朝著數字化轉型的發展，虛擬黃金的明確監管框架，政策和強大的網絡安全協議對於確保平穩運營並最大程度地降低風險至關重要。金融科技公司必須與受信任的國際託管人緊密合作，以保護數字資產，簡化交易並建立投資者的信心。由於商業銀行努力部署過多的流動性和不良貸款平均約5％（實際上可能更高），尼泊爾·拉斯特拉銀行（Nepal Rastra Bank）有及時的行動機會。將這些閒置銀行儲量的一部分轉換為黃金持有量將增強財務穩定性，提高對外部衝擊的彈性，並為規範的虛擬金交易框架鋪平道路。

In this context, the recent appointment of Dr. Bishow Nath Poudel as Governor of Nepal has sparked hope in the country’s slow-moving economy. While his impressive academic credentials are unquestionable, his politically influenced appointment may come with obligations that could affect his decision-making. Only time will tell if he can overcome the significant political challenges and lead the economy toward progress.

在這種情況下，最近被任命為Bishow Nath Poudel博士為尼泊爾州長，這激發了該國經濟緩慢的經濟。儘管他令人印象深刻的學歷是毫無疑問的，但他在政治上影響的任命可能會帶來可能影響他決策的義務。只有時間才能說明他是否能夠克服重大的政治挑戰，並帶領經濟發展。

In conclusion, engaging the diaspora through secure, tech-enabled gold investments offers Nepal a unique opportunity to dismantle long-standing barriers to their involvement in national development. This innovation goes beyond digitizing gold- It seeks to restore trust, revitalize the economy, foster inclusive financial participation, and reconnect Nepal with its diaspora. With clear regulations, committed

總之，通過安全，支持技術的黃金投資與僑民互動為尼泊爾提供了一個獨特的機會，可以消除其參與國家發展的長期障礙。這項創新不僅僅是數字化黃金 - 它試圖恢復信任，振興經濟，促進包容性的財務參與並將尼泊爾與其僑民重新連接。有明確的規定