CBDC

🟥 يناقش مجلس النواب الأمريكي خطة تهدف إلى منع الاحتياطي الفيدرالي من إصدار عملة رقمية اسمها (CBDC)

⚠️ خلال جلسة لـ لجنة القواعد طُرح اقتراح لـ حظر الـCBDC إلى النسخة النهائية من القانون، قبل إرساله إلى مجلس الشيوخ لمناقشته.

⌛ ماضي الخلاف:

🚫 محاولات مشابهة ظهرت سابقًا عندما حاول بعض النواب إدراج حظر مماثل لـ مشروع قانون العملات المستقرة لكن ذلك أدى إلى تأجيل التصويت عليه.
ورغم هذه العقبات، تمكن الكونغرس من تمرير عدة مشاريع مرتبطة بتنظيم السوق الرقمي.

📓 خطط مجلس الشيوخ:

💷 يعمل الجمهوريون في لجنة البنوك بمجلس الشيوخ على نسخة خاصة بهم من قانون هيكل السوق، تحت اسم قانون الابتكار المالي المسؤول.
حيث يتوقع ادراج القانون بحلول نهاية سبتمبر، لكن لم يُحدد موعد للتصويت بعد.
$BTC #CBDC

The Euro Central Bank (ECB) plans to make a decision on the progression of a Central Bank Digital Currency (CBDC) in the first months of October 2025. This decision is to be made during a council meeting concerning the digital euro. The preparation stage ECB started in November 2023. It is in the process of drafting the step to close this preparation stage. As such, ECB President Christine Lagarde is asking EU countries to focus on drafting legislation to support the creation of this digital currency. This step is highly likely to change the eurozone’s 20 countries’ economy drastically, as it plans to modernize the payments systems in place.
The digital euro project kicked off in October 2020, and combines a project's goals with a detailed report that says cash substitute must be efficient, accessible, and secure. These 'rules' serve the primary purpose of guiding the project in the subsequent phases. The 'test phases' of the project 'rules' serves to assess the structure of payment standards, stakeholder interfaces, application of novel ideas such as offline payments, and payment standards in the subsequent phases. These are all issue 'rules' that address the problem of financial privacy and digital financial stability. The focus 'tested' along with the payment standards, interfaces, and novelty leads to the conclusion of the purse-sized battery and cash outline purse theory. The offline payment systems and other secure region payment systems support the DNS with ease of connectivity and other lower connectivity region support.
Lagarde specifically refers to the major EU payment systems (TARGET 2 and RTP) when she mentions reliance on 3rd payment systems. The euro's ability to protect monetary sovereignty will be preserved as a direct result of the adoption of the digital euro. In her recent floor speech in the EU Parliament, she underlined the importance of digitalization, which will allow the system to orient itself to the euro and seamlessly integrate with the payment systems. If the optimistic scenario based on early 2026 approvals is realized, she sees 2028 as the launch year. The privacy concern while holding digital euro, mitigating the risk of automated monitoring and actionable every transaction is critical. The Michale proposed Krohne euro digitalization that was defense 's Nepal and the other 2023 server region programs lay the groundwork. The proposed the Digital Euro Regulation of the EU Commission is a fundamental document that MOUs the crucial pillars.
Japan’s Economic and Financial Policies Institute will likely discuss the ECB’s newly published report on central bank digital currencies in the digital euro zone at the ECB’s next round of consultations on the digital euro on September 29, 2023. The ECB is likely still waiting on the completion of technical developments, the endorsement or predecessors of the supporting legislation, and the conclusions of public consultations on the digital euro. The digital euro will make euro zone bank payments instant and nearly costless. The cash history of the euro still circulates and it is still the second most used currency in the world. The anticipation of central bank digital currencies, or CBDCs, is also skyrocketing and the ECB is positioning itself as the undisputed leader of the digital currency world.
The ECB’s public consultations and technical dialogues engaged with fintech companies, merchants, and citizens from 25 countries, and the ECB is likely still completing anti-money laundering and counter-terrorism financing measures. Cooperation with public consultations will confirm that the digital euro is created with respect to the needs of European citizens and businesses.
#digitaleuro #CBDC #EuropeanCentralBank

На блокчейне Ethereum зафиксирован новый исторический максимум — 166 млрд долларов в стейблкоинах. По данным The Block, лидером рынка остается Tether (USDT) с капитализацией 87,8 млрд долларов, на втором месте — USD Coin (USDC) с показателем 48 млрд долларов.

Почему это событие ключевое?
Стейблкоины стали неотъемлемой частью криптоэкономики. Это уже не просто «цифровой доллар», а инфраструктура, обеспечивающая ликвидность для торгов, DeFi-протоколов, NFT и токенизации реальных активов.
Рост предложения до $166 млрд говорит о трёх вещах:
Ethereum укрепляет позиции как глобальный расчетный слой.Спрос на доллар в цифровой форме растет, несмотря на жесткие регуляторные меры.Институциональные капиталы всё активнее заходят в криптоиндустрию через USDC и регулируемые токены.
USDT против USDC: битва за рынок
USDT (#Tether ) — более половины рынка, основное средство расчетов для трейдеров и международных операций. Несмотря на критику за прозрачность резервов, его популярность только растет.USDC (#Circle ) — выбор институциональных инвесторов и финтеха США. Более строгая регуляция и партнерства с банками делают его «чистым» вариантом для крупных игроков.
Что это значит для крипторынка?
Больше ликвидности в DeFi

Рост стейблкоинов открывает новые возможности для доходности на децентрализованных платформах.#Ethereum — альтернатива SWIFT

При таких объемах сеть фактически становится международной платежной системой нового поколения.Регуляторный вызов

США и ЕС вынуждены ускорить выпуск правил для стейблкоинов, иначе рынок будет контролироваться частными эмитентами. В перспективе возможна конкуренция с цифровыми валютами центральных банков (CBDC).
Прогноз
Мы стоим на пороге нового финансового стандарта. Стейблкоины на базе Ethereum уже начинают выполнять функции глобального доллара в цифровом виде.
Для рынка это означает:
Поддержку роста $BTC и $ETH за счет высокого уровня ликвидности.Ускорение интеграции криптовалют в международную торговлю и финтех.Конкуренцию между USDT и USDC, которая определит будущее распределение сил на рынке.
Как вы думаете, станут ли стейблкоины основой глобальных расчетов, или их вытеснят государственные #CBDC ?

Fraudsters in Russia have already found a new target — the digital ruble. Although its full rollout is not scheduled until September 2026, the first scams exploiting the central bank digital currency (CBDC) are already spreading. According to the Central Bank of Russia (CBR), citizens lost 6.3 billion rubles (nearly $75 million) in just the second quarter of this year.

Social engineering over hacking
Experts stress that the problem is not technological breaches but social engineering tricks. Scammers impersonate bank officials or tax workers, convince people to transfer funds to “safe accounts,” or lure them into fake apps and links.
“The main weapon is psychological pressure — phone calls, fake interfaces, or fraudulent exchanges,” explains Vladimir Chernov of Freedom Finance Global.
Common scam scenarios include:
Offering to convert regular rubles into digital rubles at a “special rate” before CBDC launchClaiming that transferring savings into a digital wallet is mandatoryFake calls from the Federal Tax Service (FNS), demanding victims pay fabricated fines exclusively in digital rubles
Banks obliged to reimburse victims
By law, Russian banks are required to compensate victims of fraud — but the actual mechanism to do so does not yet exist. Analysts estimate that an effective system for reimbursing stolen digital rubles will not be in place until 2027–2028.
“Tracking transactions won’t be difficult, but recovering funds from recipients may take months or years and require court rulings,” warns Alexey Lukatsky of Positive Technologies.
Still, the digital ruble platform gives the state vast control — every transaction is permanently recorded, and the Central Bank of Russia can blacklist suspicious accounts.

Political backdrop and regulation
According to Anatoly Aksakov, head of the State Duma’s financial markets committee, the digital ruble is meant to enhance transparency and security. Critics, however, argue that new legislation designed to curb fraud also undermines cryptocurrency use and trading.
The pilot program for the digital ruble began in 2023 with a limited group of participants. Full implementation was initially scheduled for 2025 but has now been delayed to September 1, 2026, with a phased rollout.

#russia , #CBDC , #CryptoFraud , #CyberSecurity , #blockchain

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