Tinkoff 银行加入俄罗斯数字金融事业，推动 DFA 市场繁荣

俄罗斯领先的金融机构 Tinkoff Bank 已获得发行和交易数字金融资产 (DFA) 的许可证，加入该国新兴 DFA 市场中越来越多的参与者。在此之前，央行于 2022 年批准了 DFA 登记册，其中包括俄罗斯联邦储蓄银行 (Sberbank)、阿尔法银行 (Alfa-Bank) 和几家初创公司。 DFA 包括数字证券、数字债券和代币化房地产资产，预计将使资本市场准入民主化，并扩大消费者可用的金融工具范围。

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

Tinkoff 银行加入俄罗斯数字金融资产革命，推动市场扩张

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.

俄罗斯银行业巨头 Tinkoff 银行已获得令人垂涎的在俄罗斯境内发行和分销数字金融资产 (DFA) 的许可证。继 3 月初中央银行承认 Tinkoff 为授权 DFA 运营商之后，获得了这一重大批准。该银行的战略举措反映了其强大竞争对手 Sberbank 采取的类似举措，该银行最近推出了 DFA 交易平台，最终可能会为其客户提供 NFT 访问权限。

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.

中央银行于 2022 年 2 月建立的 DFA 登记处为 Atomyze 平台的授权铺平了道路，Atomyze 平台是一个利用 Hyperledger Fabric 协议并得到俄罗斯矿业巨头 Norilsk Nickel 支持的区块链解决方案。除了 Sberbank 和 Atomyze 之外，中央银行还批准了六家 IT 初创公司和俄罗斯另一家银行巨头 Alfa-Bank 的 DFA 愿望。

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 旨在利用其对 Atomyze 的现有投资，在进军 DFA 市场时利用这一合作伙伴关系。该银行的一位代表对 DFA 市场固有的巨大潜力表示乐观，并强调他们计划利用这些资产进行实验，以开发创新产品。该银行坚信，DFA 将扩大俄罗斯市场上可用的金​​融工具范围，为更广泛的消费者群体提供进入资本市场的民主化。

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 一词在俄罗斯具有多种含义。它曾经是比特币等加密货币的代名词，现在涵盖了区块链驱动的货币，例如数字证券、数字债券和代币化房地产。政客们还使用这个术语来描述央行数字货币（CBDC），包括数字卢布倡议。俄罗斯总统弗拉基米尔·普京签署了允许俄罗斯公司使用 DFA 作为支付方式的立法，表明政府对国内 DFA 市场的认可。该国主要银行业联盟成立了数字资产委员会，而高级立法者也表示支持俄罗斯境内 DFA 市场的发展。

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.

从更广泛的角度来看，Tinkoff 银行进军 DFA 市场符合俄罗斯金融领域的普遍趋势，即各大银行和初创公司正在利用区块链技术推出新颖的数字金融产品。中央银行对 Tinkoff、Sberbank 和 Alfa-Bank 等众多 DFA 运营商的授权，突显了这些资产的接受度和监管框架不断提高。 DFA 具有实现资本市场准入民主化和扩大消费者可用金融工具范围的潜力，有望在塑造俄罗斯金融格局的未来方面发挥变革性作用。

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.

随着越来越多的参与者进入市场并开始创新产品开发，俄罗斯 DFA 市场有望在未来几年进一步扩张和创新。 Tinkoff 银行的加入为这一新兴行业增添了更多动力，标志着俄罗斯金融领域显着增长和转型的潜力。