引入虚拟黄金来利用尼泊尔侨民的力量

当个人购买数字黄金代币时，该平台发行了由24克拉实物黄金支持的代币，无论是从自己的储备金还是用客户资金购买的，并牢固地存储在保险库中，消除了对个人存储和安全问题的需求。

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.

当个人购买数字黄金代币时，该平台发出的代币由24克拉物理黄金（由自己的储备金或用客户资金购买）牢固地存储在保险库中，消除了对个人存储和安全问题的需求。

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.

在数十年的政治不稳定中，根深蒂固的官僚繁文tape节，裙带关系，政治勾结和垄断的商业卡特尔使尼泊尔的经济越来越对投资者毫无吸引力。加上饱和且停滞不前的房地产市场几乎没有资本增值，几乎没有投资的动力。即使是感性的依恋也不会给这种高风险，低回报的机会辩护。

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.

即使在经济不确定性时期，黄金仍然是一种安全，普遍认可和值得信赖的商品。尽管投资者对替代资产的信心在通货膨胀或地缘政治不确定性期间往往会减少，但黄金的价值通常会欣赏，保留甚至增加购买力。但是，尽管有众所周知的收益，但获得和交易的实物黄金仍带来了某些实际挑战。这是虚拟黄金进来的地方，提供了一种现代而实用的方式来投资黄金而没有相关负担。

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.

投资实物黄金的最大问题之一是确保其纯度，而数字黄金消除了对真实性和质量的任何疑问。实体黄金通常会造成高生产成本，数字黄金投资者避免了这一成本。另一个主要优点是便利：虚拟金可以通过金融科技应用程序或数字钱包进行无麻烦的即时交易，从而提高了透明度。分数所有权是另一个关键功能，使投资者可以购买一定数量的代币，从而使大量投资者（包括资本有限的投资者）可以使用黄金投资。

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.

要了解购买数字黄金并不意味着投资无形资产是至关重要的。当个人购买数字黄金代币时，该平台发出的代币由24克拉物理黄金（由自己的储备金或用客户资金购买）牢固地存储在保险库中，消除了对个人存储和安全问题的需求。

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.

全球先例已经存在。汇丰银行（HSBC）等全球银行已经实施了黄金令牌系统，证明了该模型的可行性。实施针对尼泊尔独特背景的虚拟黄金系统将需要仔细的计划。战略性的第一步可能是针对侨民的试点计划，使他们能够直接以美元投资数字黄金。这样可以确保稳定的外币流入和保障尼泊尔的外汇储备。对于尼泊尔Rastra银行和银行业，Virtual Gold使用购买虚拟令牌的客户的资金获得了低风险的金融产品，同时通过交易费用，服务费和潜在的资本利益获得收入。由于投资风险是由投资者而不是机构承担的，因此这种方法可最大程度地减少机构风险敞口，并有助于维持尼泊尔资本市场的稳定性。随着侨民投资数字黄金，银行将从国际市场购买实物黄金，从而增加国家储备。反过来，这将增强尼泊尔承受外部冲击并产生积极的宏观经济结果的能力。

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.

通过虚拟黄金将尼泊尔及其全球侨民联系起来的最重要方面也许是重建长期信任的潜力。多年来，外籍投资者在尼泊尔面临有限且冒险的投资机会。安全，良好的调节和全球互连的数字投资产品将传达出强有力的声明，即尼泊尔致力于与散居其散居的互助合作伙伴关系。这超出了财务，并充当象征性的桥梁，恢复了侨民的信心，信任和积极的经济参与。至关重要的是，这种模式为无数尼泊尔投资者提供了未来的希望，因为金卡特尔的剥削垄断，过多的收费，欺骗性的体重扣除（“ jarti”）以及无法迅速而公平地清算资产。

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.

随着尼泊尔的银行业朝着数字化转型的发展，虚拟黄金的明确监管框架，政策和强大的网络安全协议对于确保平稳运营并最大程度地降低风险至关重要。金融科技公司必须与受信任的国际托管人紧密合作，以保护数字资产，简化交易并建立投资者的信心。由于商业银行努力部署过多的流动性和不良贷款平均约5％（实际上可能更高），尼泊尔·拉斯特拉银行（Nepal Rastra Bank）有及时的行动机会。将这些闲置银行储量的一部分转换为黄金持有量将增强财务稳定性，提高对外部冲击的弹性，并为规范的虚拟金交易框架铺平道路。

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.

在这种情况下，最近被任命为Bishow Nath Poudel博士为尼泊尔州长，这激发了该国经济缓慢的经济。尽管他令人印象深刻的学历是毫无疑问的，但他在政治上影响的任命可能会带来可能影响他决策的义务。只有时间才能说明他是否能够克服重大的政治挑战，并带领经济发展。

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

总之，通过安全，支持技术的黄金投资与侨民互动为尼泊尔提供了一个独特的机会，可以消除其参与国家发展的长期障碍。这项创新不仅仅是数字化黄金 - 它试图恢复信任，振兴经济，促进包容性的财务参与并将尼泊尔与其侨民重新连接。有明确的规定