阿联酋在Q4 2025启动Digital Dirham CBDC

阿联酋中央银行宣布将于今年第四季度推出数字迪拉姆中央银行数字货币（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.

根据最近的一份声明，阿联酋中央银行（CBUAE）将于2025年第四季度推出自己的中央银行数字货币（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.

该银行表示打算推出CBDC的零售版本，该版本将被认为是法定货币，义务个人接受付款。 CBUAE还计划将CBDC用于批发和跨境支付目的。

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.

结合发布会，将向用户提供数字迪拉姆钱包。尽管其他国家（例如欧洲的国家）正在专注于日常交易的CBDC，但CBUAE似乎正在优先考虑数字迪拉姆的财务用例。

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".

基于区块链技术的CBDC将通过银行，交易所，金融公司和金融科技分发。据说这种分配方法正在促进金融资产的分数化，最终导致“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，通过智能合约的可编程性将有助于使复杂交易自动化并实现原子解决方案。

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.

阿联酋一直是区块链和加密货币的坚定支持者，其两个国际金融中心迪拜的DIFC和阿布扎比的ADGM为这些行业提供了有利的监管环境。

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

今年早些时候，与州联系的公司MGX也对加密货币交易所的Binance进行了投资。

“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州长Khaled Khaled Khaled Khaled Khaled Khaled Haled Mohamed Balama说：“预计，数字迪拉姆（Digital Dirham）作为一个具有前沿功能的基于区块链的平台将大大提高财务稳定，包容性，韧性和打击金融犯罪。”

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

“这将进一步能够开发创新的数字产品，服务和新业务模式，同时降低成本并增加进入国际市场的机会。”