阿聯酋在Q4 2025啟動Digital Dirham CBDC

阿聯酋中央銀行宣布將於今年第四季度推出數字迪拉姆中央銀行數字貨幣（CBDC）。

The Central Bank of the UAE (CBUAE) is set to launch its own central bank digital currency (CBDC), known as the Digital Dirham, in the fourth quarter of 2025, according to a recent statement.

根據最近的一份聲明，阿聯酋中央銀行（CBUAE）將於2025年第四季度推出自己的中央銀行數字貨幣（CBDC），即Digital Dirham。

The bank stated its intention to launch the retail version of the CBDC, which will be recognized as legal tender, obligating individuals to accept it for payment. The CBUAE also plans to utilize the CBDC for wholesale and cross-border payment purposes.

該銀行表示打算推出CBDC的零售版本，該版本將被認為是法定貨幣，義務個人接受付款。 CBUAE還計劃將CBDC用於批發和跨境支付目的。

In conjunction with the launch, a Digital Dirham wallet will be made available to users. While other nations such as those in Europe are focusing on CBDC for everyday transactions, the CBUAE seems to be prioritizing financial use cases for the Digital Dirham.

結合發布會，將向用戶提供數字迪拉姆錢包。儘管其他國家（例如歐洲的國家）正在專注於日常交易的CBDC，但CBUAE似乎正在優先考慮數字迪拉姆的財務用例。

The CBDC, based on blockchain technology, will be distributed through banks, exchanges, finance companies, and fintechs. This method of distribution is said to be facilitating the fractionalization of financial assets, ultimately leading to "greater financial inclusion".

基於區塊鏈技術的CBDC將通過銀行，交易所，金融公司和金融科技分發。據說這種分配方法正在促進金融資產的分數化，最終導致“更大的金融包容性”。

Furthermore, programmability via smart contracts will aid in automating complex transactions and enabling atomic settlement.

此外，通過智能合約的可編程性將有助於使復雜交易自動化並實現原子解決方案。

The UAE has been a strong supporter of blockchain and cryptocurrency, with its two international financial centers, Dubai’s DIFC and Abu Dhabi’s ADGM, providing a favorable regulatory environment for these industries.

阿聯酋一直是區塊鍊和加密貨幣的堅定支持者，其兩個國際金融中心迪拜的DIFC和阿布扎比的ADGM為這些行業提供了有利的監管環境。

Earlier this year, state-linked firm MGX also made an investment in Binance, a cryptocurrency exchange.

今年早些時候，與州聯繫的公司MGX也對加密貨幣交易所的Binance進行了投資。

“It is anticipated that the Digital Dirham as a blockchain based platform with cutting edge capabilities shall substantially enhance financial stability, inclusion, resilience, and combatting financial crime,” said H.E. Khaled Mohamed Balama, Governor of the CBUAE.

CBUAE州長Khaled Khaled Khaled Khaled Khaled Khaled Haled Mohamed Balama說：“預計，數字迪拉姆（Digital Dirham）作為一個具有前沿功能的基於區塊鏈的平台將大大提高財務穩定，包容性，韌性和打擊金融犯罪。”

“It will further enable the development of innovative digital products, services, and new business models, while reducing cost and increasing access to international markets.”

“這將進一步能夠開發創新的數字產品，服務和新業務模式，同時降低成本並增加進入國際市場的機會。”