俄羅斯制裁政策允許銀行在涉嫌詐欺活動的情況下暫時暫停數位盧布交易

該法規於 2025 年 2 月 23 日生效，旨在保護個人和組織免受潛在詐騙。

Russia is advancing its central bank digital currency (CBDC) endeavors with a new regulation. The Bank of Russia has sanctioned a policy permitting banks to temporarily suspend digital ruble transactions if fraudulent activity is suspected. This measure, effective February 23, 2025, aims to protect individuals and organizations from potential scams.

俄羅斯正在通過一項新法規來推進其央行數位貨幣（CBDC）的努力。俄羅斯央行已批准一項政策，允許銀行在懷疑有詐欺活動的情況下暫時中止數位盧布交易。該措施於 2025 年 2 月 23 日生效，旨在保護個人和組織免受潛在詐騙。

As per the regulation, banks can temporarily halt transactions for up to two days if they detect fraud indicators. The central bank has advised that when a suspicious transaction is identified, the bank will notify the customer. The customer then has 24 hours to either confirm or reject the transaction. If the customer does not respond, the digital rubles will remain in their digital wallet. These procedures align with measures already in place for conventional payment systems.

根據規定，如果銀行發現詐欺跡象，可以暫時停止交易最多兩天。央行表示，當發現可疑交易時，銀行會通知客戶。然後客戶有 24 小時的時間確認或拒絕交易。如果客戶沒有回應，數位盧布將保留在他們的數位錢包中。這些程序與傳統支付系統現有的措施一致。

Russia has been testing its CBDC since August 2023, with plans for full-scale implementation by mid-2025 if initial trials succeed. Governor Elvira Nabiullina has indicated that while the digital ruble is anticipated to be widely adopted, the transition may take several years. The central bank has reassured citizens that the digital ruble will complement, not replace, existing cash and non-cash rubles.

俄羅斯自 2023 年 8 月以來一直在測試其 CBDC，如果初步試驗成功，計劃在 2025 年中期全面實施。行長 Elvira Nabiullina 表示，雖然數位盧布預計將被廣泛採用，但過渡可能需要幾年時間。央行向公民保證，數位盧布將補充而不是取代現有的現金和非現金盧布。

As China continues to spearhead CBDC initiatives, Russia is closely monitoring their progress. Notably, China has begun paying some civil servants with its digital yuan to bolster its adoption.

隨著中國繼續帶頭開展 CBDC 舉措，俄羅斯正在密切關注其進展。值得注意的是，中國已開始用數位人民幣向一些公務員支付工資，以促進其採用。