阿联酋允许发行迪拉姆支持的稳定币

阿拉伯联合酋长国中央银行（CBUAE）董事会批准了一个新的稳定币监管和许可系统。

The Central Bank of the United Arab Emirates (CBUAE) has approved a new regulatory framework for stablecoins, Kokila Alagh, founder of KARM Legal Consultants, told local media outlet Unlock Blockchain on March 8.

KARM Legal Consultants 创始人 Kokila Alagh 于 3 月 8 日向当地媒体 Unlock Blockchain 表示，阿拉伯联合酋长国中央银行 (CBUAE) 已批准新的稳定币监管框架。

The new regulations, which were discussed during a meeting of the CBUAE board of directors in Abu Dhabi, cover the issuance, licensing, and supervision of dirham-backed payment tokens, Alagh said.

Alagh 表示，在阿布扎比举行的 CBUAE 董事会会议上讨论的新规定涵盖了迪拉姆支持的支付代币的发行、许可和监管。

According to the legal expert, the regulations stipulate that these tokens must be pegged to the UAE dirham and cannot be linked to other currencies, digital assets, or algorithms. Furthermore, only dirham-backed tokens will be permitted for acceptance by merchants and service providers.

该法律专家表示，法规规定这些代币必须与阿联酋迪拉姆挂钩，不能与其他货币、数字资产或算法挂钩。此外，只有迪拉姆支持的代币才允许被商家和服务提供商接受。

While specific details of the meeting were not disclosed, the topics included key projects under the Financial Infrastructure Transformation (FIT) program, the report noted.

报告指出，虽然会议的具体细节并未披露，但会议主题包括金融基础设施转型（FIT）计划下的关键项目。

On February 13, the CBUAE announced plans to issue a central bank digital currency (CBDC) as part of the FIT initiative, which aims to enhance the efficiency and resilience of the financial sector in the UAE.

2 月 13 日，CBUAE 宣布计划发行央行数字货币（CBDC），作为 FIT 计划的一部分，旨在提高阿联酋金融部门的效率和弹性。

The news follows the announcement by the Dubai Financial Services Authority (DFSA) this week of amendments to its cryptocurrency token regime to advance the regulatory framework for tokens within the special economic zone in the UAE.

此前，迪拜金融服务管理局（DFSA）本周宣布对其加密货币代币制度进行修订，以推进阿联酋经济特区内代币的监管框架。

The DFSA has revised its crypto token regime to incorporate changes proposed in Consultation Paper 153, which was published in January 2024. The amendments address key areas such as the regulation of funds investing in crypto tokens and the recognition process for these tokens.

DFSA 修订了其加密代币制度，纳入了 2024 年 1 月发布的第 153 号咨询文件中提出的变更。这些修订涉及关键领域，例如投资加密代币的基金的监管以及这些代币的认可流程。

Among the notable amendments are those pertaining to the ability of external and foreign funds to offer units in recognized crypto tokens. Previously, the DFSA prohibited fund activities involving crypto tokens. However, feedback from fund and asset managers during the consultation period highlighted the overly stringent nature of the existing regulations.

其中值得注意的修订包括与外部和外国基金提供认可加密代币单位的能力有关的修订。此前，DFSA 禁止涉及加密代币的基金活动。然而，基金和资产管理公司在咨询期间的反馈凸显了现行法规过于严格的性质。

In response, the amendments now permit external and foreign qualified investor funds to offer units in recognized crypto tokens, subject to certain conditions. Domestic qualified investor funds are also permitted to invest in unrecognized tokens, up to a maximum exposure of 10% of the fund’s gross asset value (GAV). Until now, the DFSA had recognized only five crypto tokens: Bitcoin (BTC), Ether (ETH), Litecoin (LTC), XRP (XRP), and Toncoin (TON).

作为回应，修正案现在允许外部和外国合格投资者基金在符合某些条件的情况下提供认可的加密代币单位。国内合格投资者基金还可以投资未认可的代币，最高投资额不得超过基金总资产价值（GAV）的10%。到目前为止，DFSA 仅认可五种加密代币：比特币 (BTC)、以太币 (ETH)、莱特币 (LTC)、XRP (XRP) 和 Toncoin (TON)。

Previously, the application fee for each token recognition was $10,000, an amount that many firms, especially those seeking recognition for multiple tokens, found to be excessively high. Taking this feedback into account, the DFSA has reduced the fee to $5,000 and introduced additional recognition criteria for stablecoins, which are crypto tokens pegged to fiat currencies.

此前，每个代币识别的申请费为 10,000 美元，许多公司，尤其是寻求多个代币识别的公司，发现这个金额过高。考虑到这一反馈，DFSA 将费用降低至 5,000 美元，并引入了稳定币（与法定货币挂钩的加密代币）的额外认可标准。

“These changes do not represent a more lenient regulatory stance by the DFSA,” the authority stated in the announcement. “Instead, they provide flexibility to recognize fiat-pegged crypto tokens issued in jurisdictions with comparable regulation.”

“这些变化并不代表 DFSA 采取更宽松的监管立场，”该机构在公告中表示。 “相反，它们提供了灵活性，可以识别在具有类似监管的司法管辖区发行的与法定挂钩的加密代币。”