阿联酋将于2025年底介绍其数字迪拉姆。

这项倡议是该国努力使其金融体系现代化并加强其作为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.

阿联酋将在2025年底之前引入其数字迪拉姆，这标志着该国在现代化其金融体系并加强其作为全球金融中心的地位的旅程中的一个重要里程碑。

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.

作为该计划的一部分，阿联酋中央银行（CBUAE）揭开了新鲜符号，以代表物理和数字迪拉姆。这些符号据说体现了国家价值观和未来前景，是该国努力过渡到无现金社会的努力的一部分。

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）带有一个符号，据说可以从“ D”字母中获得灵感，并包括两条水平线以表示结构稳定性。这两个符号突出了阿联酋的国旗。数字迪拉姆符号围绕物理货币标志围成一个圆圈，包括国旗颜色，而设计既展示了国家骄傲，又展示了该国对电子支付系统的现代转变。

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.

数字货币项目已经制定了一年。 2024年6月，政府启动了其Stablecoin监管框架，该框架指定了发行Dirham-Stablecoin产品的规则。制定法规的制定鼓励Tether和其他私营部门公司开发由AED支持的代币运营。

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，与其他方法相比，数字Dirham CBDC（中央银行数字货币）提供了优越的解决方案。私人Stablecoins缺乏政府通过阿联酋政府的支持来享有的政府支持，这为货币体系提供了更高的安全性，监管控制和稳定性。

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还通过其通过支付功能促进全球交易的能力为用户提供了独特的优势。沙特阿拉伯和阿联酋在“阿伯”项目上的合作伙伴关系使他们探索了将CBDC结合到跨境交易的可能性。两国之间的合资企业致力于增强相互的金融业务并确保更顺畅的国际付款程序。

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.

数字迪拉姆（Digital Dirham）充当基于区块链的安全数字支付系统，它保留了该国标准实体资金的基本特征。它可以像普通现金一样在所有付款机构中运作，并且由于该系统为业务运营商及其消费者提供了更大的便利性，因此在所有付款设施中都可以顺利过渡到数字功能。

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.

通过其数字迪拉姆钱包，中央银行（CBUAE）为用户提供了一个可以安全进行多项金融交易的选择。 CBUAE的数字支付系统支持零售交易和批发付款，以及跨境汇款，提款，救赎和补给功能。该钱包为用户提供了符合国际标准的用户体验以及轻松的功能。

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.

私营部门还在阿联酋的数字金融革命中发挥了作用。 2024年11月，Tether宣布将在Open Network（TON）上推出Dirham-Peggged Stablecoins，该网络是由Telegram创建的。区块链项目应吸引进一步的投资进入阿联酋区块链市场。 Phoenix Group和Green Acorn Investments正在与Tether一起工作，为这些代币提供管理服务，并在整个阿联酋地区发行。

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.

这一发展是迈向实现无现金经济的重要一步。 CBUAE启动Digital Dirham的倡议以及阿联酋采用区块链和中央银行数字货币旨在建立财务安全和透明度，同时提高金融系统的效率。此外，该倡议促进了阿联酋作为跨境的全向数字融资和支付领导者的作用。

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.

阿联酋凭借其具有前瞻性的数字支付方法，仍然是世界舞台上金融发展的主要力量。数字迪拉姆（Digital Dirham）提供了一种安全的，政府支持的稳定替代方案，可为市场带来金融稳定和创新功能。