白俄罗斯计划在2026年底之前实施其中央银行创建的数字货币

到2026年底，白俄罗斯计划实施其中央银行创建的数字货币，即数字卢布。白俄罗斯国家银行和罗马·戈洛夫琴科总理说，这是改革该国金融部门的重要一步。

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，将对小规模的交易进行试点测试以检查系统的可靠性。这些试验将与特定的金融机构一起进行，以测试可能出现的任何技术问题。

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.

中央银行预计，数字卢布的法律基础将在2025年中期定义。为了确保这一步骤促进广泛的采用并与国家金融法规保持一致至关重要。

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.

总理罗马·戈洛夫琴科（Roman Golovchenko）表示，俄罗斯卢布的数字版本将在2026年下半年全面运行。推出是逐渐的，可以在过渡之前进行彻底的测试和公共教育。

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.

除传统的银行帐户和现金外，数字卢布还将提供。但是，它将是稳定和值得信赖的，因为它是由中央银行发行和支持的。与比特币和其他加密货币不同，CBDC将集中，并为政府提供对货币政策的更多控制。

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

中国和瑞典并不是唯一开发自己的CBDC项目的人，白俄罗斯都遵循。

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.

官员们解释说，数字卢布旨在使付款效率更高，例如，在跨境交易中。它可以帮助减少对中介的依赖，这将降低企业和消费者的成本。

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诈风险的能力也将通过实时交易跟踪来实现。

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.

中央银行还关注网络安全，以确保数字卢布受到保护。数据完整性，隐私和用户的隐私将受到系统基础的强大加密和区块链启发的技术的保护。

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.

中小型企业将从中得到很多。通过数字卢布，结算付款将更容易，并且运营成本也将降低。这可能对白俄罗斯迅速发展的科技领域有好处。

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.

这仍然是关于公众采用的。中央银行将开展宣传运动，以提高CBDC公民的意识及其使用。将努力以整个城市和农村人口为目标。

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.

数字卢布将用于移动应用程序，银行卡和在线平台上，所有用户将能够访问它。广泛接受需要这种互操作性。

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，白俄罗斯的金融机构正在转移。下一个银行将升级其基础设施以支持CBDC交易，未来的金融科技公司正在尝试智能合约和可编程资金等创新。

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.

数字卢布还可以同时增强白俄罗斯在国际贸易中的地位。结果，它可能是外国投资者和合作伙伴的吸引力，在第一回合中，在欧亚经济联盟中，它是一种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.

中央银行认识到一般人民所持有的技术和怀疑论所涉及的并发症。为了解决这些问题，它正在与国际专家进行联合合作，并研究成功的CBDC模型的经验，包括中国的数字元素。