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Bank of Russia Picks Banks to Pilot Digital Ruble
The regulator expects the prototype of the CBDC in December and piloting it in 2022.
Russia's central bank named 12 banks that will be involved in the initial testing of the nation's future central bank digital currency (CBDC), the digital ruble, the regulator announced Wednesday.
STORY CONTINUES BELOW
The list includes the largest credit organizations of Russia, including Sberbank, VTB, Alfa Bank, Gazprombank and Tinkoff.
Previously, the Bank of Russia said it was planning to develop a prototype of the digital ruble by December and start piloting it next year. It's not clear yet if the project will be built on a blockchain, and, if so, on which one. The initial concept of the digital ruble, published in October 2020, did not mention specific technological solutions and provided a list of options of how the project should be implemented.
The project rattled Russia's banking community because the banks were worried about the potential centralized design of the CBDC, which would mean direct competition between them and the central bank for Russian accounts.
Bank of Russia Chair Elvira Nabiullina brushed off those concerns last year, saying the digital ruble would not be not a threat for commercial banks. Still, the concept was then modified to sooth the banks' fears, giving them the role of intermediaries, opening digital ruble accounts for users on behalf of the Bank of Russia.
Anna Baydakova
Anna writes about blockchain projects and regulation with a special focus on Eastern Europe and Russia. She is especially excited about stories on privacy, cybercrime, sanctions policies and censorship resistance of decentralized technologies.
She graduated from the Saint Petersburg State University and the Higher School of Economics in Russia and got her Master's degree at Columbia Journalism School in New York City.
She joined CoinDesk after years of writing for various Russian media, including the leading political outlet Novaya Gazeta.
Anna owns BTC and an NFT of sentimental value.
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Crypto Industry Asks President Trump to Stop JPMorgan’s 'Punitive Tax' on Data Access
A coalition of fintech and crypto trade groups is urging the White House to defend open banking and stop JPMorgan from charging fees to access customer data.
알아야 할 것:
- Ten major fintech and crypto trade associations have urged President Trump to stop big banks from imposing fees that could hinder innovation and competition.
- JPMorgan's plan to charge for access to consumer banking data may debank millions and threaten the adoption of stablecoins and self-custody wallets.
- The CFPB's open banking rule, which mandates free consumer access to bank data, is under threat as banks have sued to block it, and the CFPB has requested its vacatur.
