印度考慮禁止加密貨幣以支持自己的 CBDC

印度正在考慮禁止比特幣 BTC/USD 和以太坊 ETH/USD 等加密貨幣，轉而支持本國央行數位貨幣 (CBDC)

India is considering banning cryptocurrencies like Bitcoin (CRYPTO: BTC) and Ethereum (CRYPTO: ETH) in favor of its own central bank digital currency (CBDC), according to a report.

據一份報告稱，印度正在考慮禁止比特幣（CRYPTO：BTC）和以太幣（CRYPTO：ETH）等加密貨幣，轉而使用自己的央行數位貨幣（CBDC）。

The government is preparing a discussion paper on the future of crypto regulation in the country, and key regulatory institutions are advocating for the move, sources told Hindustan Times.

消息人士告訴《印度斯坦時報》，政府正在準備一份關於該國加密貨幣監管未來的討論文件，主要監管機構正在倡導此舉。

Consultations have strongly leaned toward prohibiting private cryptocurrencies, given the significant risks they pose, the officials said.

官員表示，考慮到私人加密貨幣帶來的巨大風險，諮詢強烈傾向於禁止私人加密貨幣。

Government officials believe the risks of cryptocurrencies, including stablecoins, outweigh their benefits.

政府官員認為，包括穩定幣在內的加密貨幣的風險大於其收益。

“CBDCs can do whatever cryptos do. In fact, CBDCs have more benefits than cryptos, minus the risks associated with private cryptocurrencies,” a government official, who spoke on condition of anonymity, told the publication.

「加密貨幣能做的任何事，CBDC 都能做。事實上，減去與私人加密貨幣相關的風險，CBDC 比加密貨幣有更多的好處，」一位不願透露姓名的政府官員告訴該出版物。

Officials raised further concerns about the instability of stablecoins, or cryptocurrencies typically pegged to fiat currencies, questioning their reliability despite their backing by tangible assets.

官員們對穩定幣或通常與法定貨幣掛鉤的加密貨幣的不穩定性提出了進一步的擔憂，質疑其可靠性，儘管它們有有形資產的支持。

A CBDC, called a "digital rupee" in India or commonly referred to as a "digital dollar" elsewhere, is a government-controlled blockchain token that works like a digital version of the state's fiat currency.

CBDC 在印度被稱為“數位盧比”，在其他地方通常被稱為“數位美元”，是一種政府控制的區塊鏈代幣，其工作原理類似於該國法定貨幣的數位版本。

Detractors say that CBDCs will increase government surveillance of citizens, and they have faced substantial criticism from crypto advocates around the world.

批評者表示，CBDC 將加強政府對公民的監控，並且它們面臨世界各地加密貨幣倡導者的嚴厲批評。

India has aligned itself with international standards on crypto regulation as a G20 member, adopting the IMF-FSB synthesis paper in September 2023.

作為 G20 成員，印度已與加密貨幣監管的國際標準保持一致，並於 2023 年 9 月採用了 IMF-FSB 綜合文件。

This global framework outlines a regulatory threshold, but allows individual nations to impose stricter measures if they choose, including a total ban.

這個全球框架概述了監管門檻，但允許個別國家選擇實施更嚴格的措施，包括全面禁止。

Despite the stance against decentralized cryptocurrencies, Indian regulators have shown enthusiasm over the potential of blockchain, including for tokenization of government securities, delivering end-use credit to vulnerable populations, and implementing targeted subsidies.

儘管反對去中心化加密貨幣，但印度監管機構對區塊鏈的潛力表現出了熱情，包括政府證券的代幣化、向弱勢群體提供最終用途信貸以及實施有針對性的補貼。

Reserve Bank of India (RBI) Governor Shaktikanta Das recently highlighted the potential of CBDCs at a conference in Bengaluru, specifically emphasizing their role in financial inclusion.

印度儲備銀行 (RBI) 行長 Shaktikanta Das 最近在班加羅爾舉行的一次會議上強調了 CBDC 的潛力，特別強調了它們在金融普惠性方面的作用。

“The programmability feature of CBDC could serve as a key enabler for financial inclusion by ensuring delivery of funds to the targeted user,” Das noted.

達斯指出：“CBDC 的可編程性功能可以透過確保向目標用戶交付資金，成為金融普惠的關鍵推動者。”

India’s CBDC, the digital rupee (e₹), has been in pilot testing since November 2022 in the wholesale market, with a retail pilot launching in December of the same year.

印度的 CBDC，即數位盧比 (eR)，自 2022 年 11 月以來一直在批發市場進行試點測試，並於同年 12 月啟動零售試點。

The retail pilot has now expanded to over 5 million users and includes 16 participating banks.

該零售試點現已擴大到超過 500 萬用戶，包括 16 家參與銀行。

The RBI has been analyzing the outcomes of these pilots to determine how to scale up the digital rupee's use, including potential cross-border applications.

印度儲備銀行一直在分析這些試點的結果，以確定如何擴大數位盧比的使用，包括潛在的跨境應用。

In August, the country's largest public sector bank State Bank of India (NYSE:SBI) launched a pilot program in the provinces of Odisha and Andhra Pradesh, using the CBDC to lend to tenant farmers for specific agricultural inputs.

8 月，印度最大的公共部門銀行印度國家銀行（NYSE：SBI）在奧裡薩邦和安得拉邦啟動了一項試點計劃，利用 CBDC 向佃農提供特定農業投入的貸款。

Officials see these projects as indicative of the broad possibilities for CBDCs in both domestic and international transactions, reinforcing the government’s preference for this system over private cryptocurrencies.

官員們認為這些項目顯示了 CBDC 在國內和國際交易中的廣泛可能性，強化了政府對該系統相對於私人加密貨幣的偏好。