阿聯酋將於2025年底介紹其數字迪拉姆。

這項倡議是該國努力使其金融體系現代化並加強其作為全球金融中心的地位的努力的一部分。

The UAE is set to introduce its Digital Dirham by the end of 2025, marking a significant milestone in the country's journey to modernize its financial system and strengthen its position as a global financial hub.

阿聯酋將在2025年底之前引入其數字迪拉姆，這標誌著該國在現代化其金融體係並加強其作為全球金融中心的地位的旅程中的一個重要里程碑。

As part of this initiative, the Central Bank of the UAE (CBUAE) has unveiled fresh symbols to represent both physical and digital dirham. These symbols, which are said to embody national values and future prospects, were introduced as part of the country's efforts to transition to a cashless society.

作為該計劃的一部分，阿聯酋中央銀行（CBUAE）揭開了新鮮符號，以代表物理和數字迪拉姆。這些符號據說體現了國家價值觀和未來前景，是該國努力過渡到無現金社會的努力的一部分。

The physical Dirham carries a symbol which is said to take inspiration from the ‘D’ letter and includes two horizontal lines to signify structural stability. Both symbols highlight the national flag of UAE. The digital dirham symbol, which is placed in a circle around the physical currency sign, includes the national flag colors while the design showcases both national pride and the country’s modern shift towards electronic payment systems.

物理迪拉姆（Dirham）帶有一個符號，據說可以從“ D”字母中獲得靈感，並包括兩條水平線以表示結構穩定性。這兩個符號突出了阿聯酋的國旗。數字迪拉姆符號圍繞物理貨幣標誌圍成一個圓圈，包括國旗顏色，而設計既展示了國家驕傲，又展示了該國對電子支付系統的現代轉變。

The digital currency projects have been a year in the making. In June 2024, the government launched its stablecoin regulatory framework, which specified rules for issuing dirham-stablecoin products. The establishment of stablecoin regulations encouraged Tether and other private sector companies to develop AED-backed token operations.

數字貨幣項目已經制定了一年。 2024年6月，政府啟動了其Stablecoin監管框架，該框架指定了發行Dirham-Stablecoin產品的規則。制定法規的製定鼓勵Tether和其他私營部門公司開發由AED支持的代幣運營。

However, the Digital Dirham CBDC (Central Bank Digital Currency) provides a superior solution compared to other methods. Private stablecoins lack the government support that the Digital Dirham enjoys through its backing by the UAE government, which provides increased security, regulatory control and stability to the monetary system.

但是，與其他方法相比，數字Dirham CBDC（中央銀行數字貨幣）提供了優越的解決方案。私人Stablecoins缺乏政府通過阿聯酋政府的支持來享有的政府支持，這為貨幣體系提供了更高的安全性，監管控制和穩定性。

The Digital Dirham also offers a unique advantage to its users through its ability to facilitate global transactions through its payment functionality. Saudi Arabia and the UAE partnership on the ‘Aber’ project saw them exploring the possibility of combining their CBDCs for cross-border transactions. The joint venture between the two countries focused on enhancing mutual financial operations and ensuring smoother international payment procedures.

Digital Dirham還通過其通過支付功能促進全球交易的能力為用戶提供了獨特的優勢。沙特阿拉伯和阿聯酋在“阿伯”項目上的合作夥伴關係使他們探索了將CBDC結合到跨境交易的可能性。兩國之間的合資企業致力於增強相互的金融業務並確保更順暢的國際付款程序。

The Digital Dirham functions as a blockchain-based safe digital payment system which retains the essential characteristics of the standard physical money of the country. It can function like regular cash at all payment facilities and the transition to digital functions smoothly as this system offers increased convenience for both business operators and their consumers.

數字迪拉姆（Digital Dirham）充當基於區塊鏈的安全數字支付系統，它保留了該國標準實體資金的基本特徵。它可以像普通現金一樣在所有付款機構中運作，並且由於該系統為業務運營商及其消費者提供了更大的便利性，因此在所有付款設施中都可以順利過渡到數字功能。

Through its digital Dirham wallet, the Central Bank (CBUAE) has provided an option for users to carry out multiple financial transactions securely. The digital payment system of the CBUAE supports retail transactions and wholesale payments, together with cross-border money transfer, withdrawal, redemption and recharge functions. The wallet offers users a seamless, international standards-compliant user experience, together with effortless functionality.

通過其數字迪拉姆錢包，中央銀行（CBUAE）為用戶提供了一個可以安全進行多項金融交易的選擇。 CBUAE的數字支付系統支持零售交易和批發付款，以及跨境匯款，提款，救贖和補給功能。該錢包為用戶提供了符合國際標準的用戶體驗，以及輕鬆的功能。

The private sector is also playing a role in the UAE’s digital finance revolution. In November 2024, Tether announced that it was launching dirham-pegged stablecoins on The Open Network (TON), which was created by Telegram as a blockchain. The blockchain project should attract further investments to enter the UAE blockchain market. Phoenix Group and Green Acorn Investments are working alongside Tether to provide these tokens with management services and issue them throughout the UAE territory.

私營部門還在阿聯酋的數字金融革命中發揮了作用。 2024年11月，Tether宣布將在Open Network（TON）上推出Dirham-Peggged Stablecoins，該網絡是由Telegram創建的。區塊鏈項目應吸引進一步的投資進入阿聯酋區塊鏈市場。 Phoenix Group和Green Acorn Investments正在與Tether一起工作，為這些代幣提供管理服務，並在整個阿聯酋地區發行。

This development is a significant step towards achieving a cashless economy. The initiative by CBUAE to launch Digital Dirham and the adoption of blockchain and central bank digital currency by the UAE aims to build financial security and transparency while boosting efficiency in the financial system. In addition, the initiative advances the role of the UAE as a premier omnidirectional digital finance and payment leader across borders.

這一發展是邁向實現無現金經濟的重要一步。 CBUAE啟動Digital Dirham的倡議以及阿聯酋採用區塊鍊和中央銀行數字貨幣旨在建立財務安全和透明度，同時提高金融系統的效率。此外，該倡議促進了阿聯酋作為跨境的全向數字融資和支付領導者的作用。

With its forward-thinking approach to digital payments, the UAE continues to be a leading force in financial development on the world stage. The Digital Dirham provides a secure, government-backed stablecoin alternative that brings both financial stability and innovative features to the market.

阿聯酋憑藉其具有前瞻性的數字支付方法，仍然是世界舞台上金融發展的主要力量。數字迪拉姆（Digital Dirham）提供了一種安全的，政府支持的穩定替代方案，可為市場帶來金融穩定和創新功能。