印度计划在未来五年内将大约二十个国家连接到其支付网络

阿拉伯联合酋长国和印度（均为金砖国家）是最渴望将美元从其交易所中清除的国家之一。

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

印度计划在未来五年内将大约二十个国家纳入其支付网络。

Asian De-dollarization

亚洲去美元化

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.

阿拉伯联合酋长国和印度（均为金砖国家）是最渴望将美元从其交易所中清除的国家之一。 2023 年 7 月，纳伦德拉·莫迪和谢赫·穆罕默德·本·扎耶德·阿勒纳哈扬签署了一项协议，规定以各自的货币卢比和迪拉姆进行交易结算。

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.

两国保持着非常牢固的文化和商业关系。印度是阿联酋第二大贸易伙伴，阿联酋是印度第三大贸易伙伴。 2023 年，两国双边贸易额为 840 亿美元，而一年前为 730 亿美元。

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).

交易机制很简单：阿联酋出口商以印度卢比付款（发票以卢比计价），并记入他们在印度运营的银行开设的往来账户。相反，印度出口商的出口收入为迪拉姆（发票以迪拉姆为单位）。

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.

以当地货币进行交易不仅旨在促进双边贸易，还旨在开发一种支付机制，以实现印度卢比/迪拉姆平价（外汇）的出现。目标是达到确保良好流动性和低转换费用的交易量。

New Blow to the Petrodollar

对石油美元的新打击

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

第一份协议是印度石油公司（IOC）之间签订的，该公司用印度卢比支付阿联酋生产的石油。

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

两国央行都持乐观态度，但说服中小企业还需要做更多工作。

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”:

据 Khaleej Times 报道，目前交易费用平均约为 2%。对于小企业来说，费用仍然很高。两国的目标是确保本币支付“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.”

“这种本地货币结算系统（LCSS）可以使出口更具竞争力，并且更容易为小企业所接受。除了降低交易成本外，该支付系统还提供快速的结算时间。”

The Emirati newspaper adds:

阿联酋报纸补充道：

“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.”

“卢比兑迪拉姆协议并不是去美元化。其目的是减少对美元的依赖。卢比-迪拉姆协议将保护双边贸易免受地缘政治风险的影响[……]并帮助两国减少对美元储备货币的依赖和敞口。”

Internationalization of the Rupee

卢比国际化

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

印度储备银行 (RBI) 计划在未来五年内将其即时支付系统连接到 20 个国家。

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.

印度储备银行在其年度报告中表示，互连工作将于今年开始。该项目将由印度国家支付公司（NPCI）通过 UPI（统一支付接口）系统领导。

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

UPI 在法国、斯里兰卡、不丹、尼泊尔、新加坡、秘鲁以及阿拉伯联合酋长国运营。

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 计划很快在大约十个亚洲国家部署其 UPI 系统。这些国家包括马来西亚、泰国、菲律宾、越南、新加坡、柬埔寨、韩国、日本、台湾和香港。

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

印度储备银行的报告指出，“正在努力通过以当地货币结算双边贸易来实现印度卢比的国际化”。

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

去美元化并不是神话。目前，全球各地正在测试无数的解决方案。

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.

也就是说，比特币仍然远远领先于时代。它是一个几乎免费的国际支付系统，同时也是一种价值储存手段。

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…

转账等值 1 亿卢比的比特币费用为 1 美元。相反，1 亿美元的 2% 费用给我们 200 万卢比，即 24,000 美元……

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

不要错过我们关于去美元化的文章：美元动摇。

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通过我们的“阅读赚钱”计划最大化您的 Cointribune 体验！您阅读的每篇文章均可赚取积分并获得独家奖励。立即注册并开始累积福利。

Bitcoin, geopolitical, economic and energy journalist.

比特币、地缘政治、经济和能源记者。