Tinkoff 銀行加入俄羅斯數位金融事業，推動 DFA 市場繁榮

俄羅斯領先的金融機構 Tinkoff Bank 已獲得發行和交易數位金融資產 (DFA) 的許可證，加入該國新興 DFA 市場中越來越多的參與者。在此之前，央行於 2022 年批准了 DFA 登記冊，其中包括俄羅斯聯邦儲蓄銀行 (Sberbank)、阿爾法銀行 (Alfa-Bank) 和幾家新創公司。 DFA 包括數位證券、數位債券和代幣化房地產資產，預計將使資本市場准入民主化，並擴大消費者可用的金融工具範圍。

Tinkoff Bank Joins Russia's Digital Financial Asset Revolution, Fueling Market Expansion

Tinkoff 銀行加入俄羅斯數位金融資產革命，推動市場擴張

Tinkoff Bank, a behemoth in the Russian banking industry, has secured a coveted license to issue and distribute digital financial assets (DFAs) within the country's borders. This momentous approval follows the Central Bank's recognition of Tinkoff as an authorized DFA operator earlier in March. The bank's strategic move mirrors a similar initiative undertaken by its formidable competitor, Sberbank, which recently unveiled a DFA trading platform that may ultimately grant its clientele access to NFTs.

俄羅斯銀行業巨頭 Tinkoff 銀行已獲得令人垂涎的在俄羅斯境內發行和分銷數位金融資產 (DFA) 的許可證。繼 3 月初中央銀行承認 Tinkoff 為授權 DFA 運營商之後，獲得了這一重大批准。該銀行的策略性舉措反映了其強大競爭對手 Sberbank 採取的類似舉措，該銀行最近推出了 DFA 交易平台，最終可能會為其客戶提供 NFT 存取權。

The Central Bank's establishment of a DFA registry in February 2022 paved the way for the authorization of the Atomyze platform, a blockchain solution leveraging the Hyperledger Fabric protocol and backed by Norilsk Nickel, a Russian mining titan. Besides Sberbank and Atomyze, the Central Bank has extended its approval to the DFA aspirations of six IT startups and Alfa-Bank, another banking giant in Russia.

中央銀行於 2022 年 2 月建立的 DFA 登記處為 Atomyze 平台的授權鋪平了道路，Atomyze 平台是一個利用 Hyperledger Fabric 協議並由俄羅斯礦業巨頭 Norilsk Nickel 支持的區塊鏈解決方案。除了 Sberbank 和 Atomyze 之外，中央銀行還批准了六家 IT 新創公司和俄羅斯另一家銀行巨頭 Alfa-Bank 的 DFA 願望。

Tinkoff Bank, leveraging its existing investment in Atomyze, aims to capitalize on this partnership as it ventures into the DFA market. A representative of the bank expressed optimism about the vast potential inherent in the DFA market, emphasizing their plans to conduct experiments with these assets with the goal of developing innovative products. The bank firmly believes that DFAs will augment the spectrum of financial instruments available in the Russian market, democratizing access to capital markets for a broader consumer base.

Tinkoff Bank 旨在利用其對 Atomyze 的現有投資，在進入 DFA 市場時利用此合作夥伴關係。該銀行的一位代表對 DFA 市場固有的巨大潛力表示樂觀，並強調他們計劃利用這些資產進行實驗，以開發創新產品。該銀行堅信，DFA 將擴大俄羅斯市場上可用的金​​融工具範圍，為更廣泛的消費者群體提供進入資本市場的民主化。

The term DFA has taken on a multifaceted meaning in Russia. Once synonymous with cryptocurrencies like Bitcoin, it now encompasses blockchain-powered currencies such as digital securities, digital bonds, and tokenized real estate. Politicians have also employed the term to describe central bank digital currencies (CBDCs), including the digital ruble initiative. President Vladimir Putin has signed legislation permitting Russian companies to utilize DFAs as a payment method, signaling the government's endorsement of the domestic DFA market. The country's primary banking union has established a digital assets council, while senior lawmakers have voiced their support for the growth of the DFA market within Russia.

DFA 一詞在俄羅斯具有多種意義。它曾經是比特幣等加密貨幣的代名詞，現在涵蓋了區塊鏈驅動的貨幣，例如數位證券、數位債券和代幣化房地產。政客們也使用這個術語來描述央行數位貨幣（CBDC），包括數位盧布倡議。俄羅斯總統普丁簽署了允許俄羅斯公司使用 DFA 作為支付方式的立法，表明政府對國內 DFA 市場的認可。該國主要銀行業聯盟成立了數位資產委員會，而資深立法者也表示支持俄羅斯境內 DFA 市場的發展。

In a broader context, Tinkoff Bank's foray into the DFA market aligns with a prevalent trend within Russia's financial sector, where major banks and startups are harnessing blockchain technology to introduce novel digital financial products. The Central Bank's authorization of numerous DFA operators, including Tinkoff, Sberbank, and Alfa-Bank, underscores the increasing acceptance and regulatory framework for these assets. With the potential to democratize access to capital markets and broaden the range of financial instruments available to consumers, DFAs are poised to play a transformative role in shaping the future of the financial landscape in Russia.

從更廣泛的角度來看，Tinkoff 銀行進軍 DFA 市場符合俄羅斯金融領域的普遍趨勢，即各大銀行和新創公司正在利用區塊鏈技術推出新穎的數位金融產品。中央銀行對 Tinkoff、Sberbank 和 Alfa-Bank 等眾多 DFA 業者的授權，突顯了這些資產的接受度和監管框架不斷提高。 DFA 具有實現資本市場准入民主化和擴大消費者可用金融工具範圍的潛力，並有望在塑造俄羅斯金融格局的未來方面發揮變革性作用。

As more players enter the market and embark on innovative product development, the Russian DFA market is poised for further expansion and innovation in the years to come. Tinkoff Bank's entry into the fray adds further momentum to this burgeoning sector, signaling the potential for significant growth and transformation in the Russian financial realm.

隨著越來越多的參與者進入市場並開始創新產品開發，俄羅斯 DFA 市場預計將在未來幾年進一步擴張和創新。 Tinkoff 銀行的加入為這個新興產業增添了更多動力，標誌著俄羅斯金融領域顯著成長和轉型的潛力。