白俄羅斯計劃在2026年底之前實施其中央銀行創建的數字貨幣

到2026年底，白俄羅斯計劃實施其中央銀行創建的數字貨幣，即數字盧布。白俄羅斯國家銀行和羅馬·戈洛夫琴科總理說，這是改革該國金融部門的重要一步。

By the third quarter of 2024, small-scale transactions will be pilot tested to check the system's reliability. These trials will be conducted with specific financial institutions to test for any technical issues that may arise.

到2024年第三季度，將對小規模的交易進行試點測試以檢查系統的可靠性。這些試驗將與特定的金融機構一起進行，以測試可能出現的任何技術問題。

The digital ruble's legal basis will be defined by mid-2025, the central bank expects. To ensure this step facilitates broad adoption and aligns with national financial regulations is crucial.

中央銀行預計，數字盧布的法律基礎將在2025年中期定義。為了確保這一步驟促進廣泛的採用並與國家金融法規保持一致至關重要。

The digital version of the Russian ruble will be fully operational in the second half of 2026, said Prime Minister Roman Golovchenko. The rollout is gradual to allow for thorough testing and public education prior to the transition.

總理羅馬·戈洛夫琴科（Roman Golovchenko）表示，俄羅斯盧布的數字版本將在2026年下半年全面運行。推出是逐漸的，可以在過渡之前進行徹底的測試和公共教育。

In addition to traditional bank accounts and cash, the digital ruble will also be available. However, it will be stable and trusted because it is issued and backed by the central bank. Unlike Bitcoin and other cryptocurrencies, the CBDC will be centralized and provide the government more control over monetary policy.

除傳統的銀行帳戶和現金外，數字盧布還將提供。但是，它將是穩定和值得信賴的，因為它是由中央銀行發行和支持的。與比特幣和其他加密貨幣不同，CBDC將集中，並為政府提供對貨幣政策的更多控制。

China and Sweden are not the only ones to develop their own CBDC projects, Belarus is following suit.

中國和瑞典並不是唯一開發自己的CBDC項目的人，白俄羅斯都遵循。

The officials explained that the digital ruble is designed to make payments more efficient, for instance, in cross-border transactions. It could help reduce reliance on intermediaries, which would decrease the cost for businesses and consumers.

官員們解釋說，數字盧布旨在使付款效率更高，例如，在跨境交易中。它可以幫助減少對中介的依賴，這將降低企業和消費者的成本。

The CBDC's ability to enhance transparency and reduce fraud risks will also be realized by real-time transaction tracking.

CBDC提高透明度和降低欺詐風險的能力也將通過實時交易跟踪來實現。

The central bank is also concerned with cybersecurity to ensure the digital ruble is protected from threats. Data integrity, privacy, and the privacy of users will be protected by robust encryption and blockchain-inspired technologies underlying the system.

中央銀行還關注網絡安全，以確保數字盧布受到保護。數據完整性，隱私和用戶的隱私將受到系統基礎的強大加密和區塊鏈啟發的技術的保護。

Small and medium-sized enterprises will get a lot from them. Settling payments will be easier with the digital ruble and the operational costs will also be reduced. That could be good for Belarus’s burgeoning tech sector.

中小型企業將從中得到很多。通過數字盧布，結算付款將更容易，並且運營成本也將降低。這可能對白俄羅斯迅速發展的科技領域有好處。

It is still about public adoption. The central bank will carry out awareness campaigns to raise awareness amongst citizens of the CBDC and its usage. The efforts will be made to target the urban and rural population at large.

這仍然是關於公眾採用的。中央銀行將開展宣傳運動，以提高CBDC公民的意識及其使用。將努力以整個城市和農村人口為目標。

The digital ruble will be available for use on a mobile app, a bank card and on online platforms and all users will be able to access it. Widespread acceptance requires this interoperability.

數字盧布將用於移動應用程序，銀行卡和在線平台上，所有用戶將能夠訪問它。廣泛接受需要這種互操作性。

At present, Belarus's financial institutions are in the process of shifting. The next banks are upgrading their infrastructure to support CBDC transactions, and future fintech companies are experimenting with innovations like smart contracts and programmable money.

目前，白俄羅斯的金融機構正在轉移。下一個銀行將升級其基礎設施以支持CBDC交易，未來的金融科技公司正在嘗試智能合約和可編程資金等創新。

The digital ruble can also strengthen Belarus's place in international trade at the same time. As a result, it may be a source of attraction for foreign investors and partners, in the first turn, in the Eurasian Economic Union as a safe and efficient means of payment.

數字盧布還可以同時增強白俄羅斯在國際貿易中的地位。結果，它可能是外國投資者和合作夥伴的吸引力，在第一回合中，在歐亞經濟聯盟中，它是一種安全有效的付款方式。

The central bank recognizes the complications that are involved in the technicalities and the skepticism that is held by the general population. To deal with these, it is conducting joint work with international experts and studying the experience of the successful CBDC models, including China's digital yuan.

中央銀行認識到一般人民所持有的技術和懷疑論所涉及的並發症。為了解決這些問題，它正在與國際專家進行聯合合作，並研究成功的CBDC模型的經驗，包括中國的數字元素。