印度可能禁止私人加密货币引发担忧

India is considering banning private cryptocurrencies, such as Bitcoin, in a bid to bolster the adoption of its central bank digital currency (CBDC), the digital rupee, according to a report.

据一份报告称，印度正在考虑禁止比特币等私人加密货币，以促进其央行数字货币（CBDC）——数字卢比的采用。

While regulators are said to be arguing that the move is being considered due to the risks associated with private crypto, CoinDCX CEO Sumit Gupta argues that crypto and CBDCs can serve different purposes and work together to strengthen the financial system.

据称，监管机构认为考虑此举是因为与私人加密货币相关的风险，但 CoinDCX 首席执行官 Sumit Gupta 认为，加密货币和 CBDC 可以服务于不同的目的，并共同加强金融体系。

India’s Potential Private Crypto Ban Raises Eyebrows

印度潜在的私人加密货币禁令引起关注

As reported by the Hindustan Times, India may be setting out to ban private cryptocurrency in the near future.

据《印度斯坦时报》报道，印度可能会在不久的将来禁止私人加密货币。

The decision is said to have been made by regulators despite the benefits of CBDCs, with the regulator allegedly opting for the decision due to the risks that come with private crypto.

据称，尽管 CBDC 有好处，监管机构还是做出了这一决定，据称监管机构选择这一决定是因为私人加密货币存在风险。

Importantly, the country's CBDC, the digital rupee, has been in pilot since November 2022, and is seeing increasing adoption in both the wholesale and retail sectors. As noted by an anonymous source cited in the report, the CBDC is capable of offering benefits that are similar to those of private cryptocurrencies, such as Bitcoin. However, it is said to do so while offering better security and without the common drawbacks.

重要的是，该国的 CBDC（数字卢比）自 2022 年 11 月以来一直在试点，并且在批发和零售领域的采用越来越多。正如报告中引用的匿名消息人士指出的那样，CBDC 能够提供与比特币等私人加密货币类似的好处。然而，据说这样做同时提供了更好的安全性并且没有常见的缺点。

CBDC Adoption Booms as Security Benefits Highlighted

安全优势凸显，CBDC 采用蓬勃发展

Furthermore, the government is said to have consulted with industry experts on the matter, with the experts agreeing that CBDCs can help to drive financial inclusion, which in turn makes it easier to provide targeted assistance to disadvantaged groups, according to Coingape.

此外，据称政府已就此事咨询了行业专家，专家们一致认为 CBDC 有助于推动金融包容性，从而更容易为弱势群体提供有针对性的援助。

According to Reserve Bank of India (RBI) Governor Shaktikanta Das, the programmability of CBDCs could revolutionize the distribution of targeted subsidies. Additionally, other areas where CBDCs can be utilized include targeted lending, government securities, and more, all of which stand to benefit from the technology employed by CBDCs. It is worth noting that the RBI Governor has previously highlighted the risks of cryptocurrency and is a known proponent of CBDCs.

印度储备银行 (RBI) 行长 Shaktikanta Das 表示，CBDC 的可编程性可能会彻底改变定向补贴的分配。此外，可以利用 CBDC 的其他领域包括定向贷款、政府证券等，所有这些领域都将从 CBDC 所采用的技术中受益。值得注意的是，印度央行行长此前曾强调过加密货币的风险，并且是众所周知的 CBDC 支持者。

Final Crypto Ban Decision Yet to Be Made as Consultations Continue

随着磋商的继续，最终的加密货币禁令决定尚未做出

However, the crypto ban is yet to be fully decided upon, with the government currently seeking advice from experts and the results of the ongoing CBDC pilots.

然而，加密货币禁令尚未完全决定，政府目前正在寻求专家的建议以及正在进行的 CBDC 试点的结果。

The decision is also impacted by the G20's decision to adopt the IMF-FSB synthesis document, which recommends that governments crack down on crypto, even proposing outright bans if deemed necessary.

这一决定还受到 G20 决定采用 IMF-FSB 综合文件的影响，该文件建议各国政府打击加密货币，甚至在认为必要时提出彻底禁令。

CoinDCX CEO Calls for Crypto, CBDC Coexistence

CoinDCX 首席执行官呼吁加密货币与 CBDC 共存

Several comparisons have been made between CBDCs and private cryptocurrencies, and CoinDCX CEO Sumit Gupta recently commented on the matter.

人们对 CBDC 和私有加密货币进行了多次比较，CoinDCX 首席执行官 Sumit Gupta 最近对此事发表了评论。

Reacting to the Hindustan Times report, he took issue with the suggestion that CBDCs could eventually render Bitcoin and other crypto redundant.

针对《印度斯坦时报》的报道，他对 CBDC 最终可能使比特币和其他加密货币变得多余的建议提出异议。

Instead, he highlighted that the two digital assets serve different functions but can work well together. Whereas CBDCs focus on specific government-driven roles, such as financial inclusion, crypto offers additional benefits, such as decentralization, wider market access, and innovation, said Gupta.

相反，他强调这两种数字资产具有不同的功能，但可以很好地协同工作。古普塔表示，虽然 CBDC 专注于政府驱动的特定角色，例如金融包容性，但加密货币提供了额外的好处，例如去中心化、更广泛的市场准入和创新。

At the same time, he urged Indian authorities to move away from viewing the two technologies with jealousy, and instead consider how they can complement each other to strengthen the country's financial sector.

与此同时，他敦促印度当局不要以嫉妒的眼光看待这两种技术，而是考虑如何使它们相辅相成，以加强该国的金融部门。

Moreover, the CoinDCX CEO stressed the importance of continuing dialogue in order to build a strong financial ecosystem that leverages both crypto and CBDCs.

此外，CoinDCX 首席执行官强调了持续对话的重要性，以建立一个利用加密货币和 CBDC 的强大金融生态系统。