说起阿联酋和中国的金融合作，这几年真是越来越紧密，尤其是2024年那次转账事件，表面上看只是小小一笔钱，但背后的含义可不小。2024年1月29日， 阿联酋中央银行搞了个成立50周年的活动，就在首都阿布扎比，那天他们直接用数字货币转了5000万迪拉姆给中国。 这笔钱换成美元也就1360万左右，人民币不到1亿，对两国贸易来说不算啥大数目，但关键是用上了mBridge这个平台。这是个多央行数字货币桥接系统，由 国际清算银行牵头，中国人民银行、阿联酋央行、泰国银行和香港金管局一块儿搞的。 转账是阿联酋副总统兼央行董事会主席谢赫·曼苏尔·本·扎耶德·阿勒纳哈扬亲自操作的，用的是他们的数字迪拉姆，直接发到中国银行账户上。整个过程实时 完成，没用传统银行渠道，避免了中间环节的麻烦。 这事儿不是临时起意，早有铺垫。2023年11月，中国和阿联酋央行就续签了价值350亿人民币的本币互换协议，为期五年，目的是方便两国用本地货币做生 意。阿联酋作为产油大国，早就开始在原油贸易中试水人民币结算，这次转账算是把数字技术加进去，进一步简化了跨境支付。mBridge平台基于分布式账 本技术，确保交易安全透明，参与方都能实时看到资金流动。 ...

想象一下：您走进迪拜的一家餐厅，点了一道最喜欢的菜，然后完成付款——不是用现金，也不是刷卡，而是通过手机里的数字货币支付。无需手续费、无 需等待、没有中间商。交易过程安全、无缝且智能。 想给中国的供应商汇款？同样可以通过这个由阿联酋中央银行提供的数字钱包完成。 阿联酋正在推行数字迪拉姆（Digital Dirham），希望彻底改变储蓄、支付和货币交互方式。但它是如何运作的？和加密货币是一样的吗？又会对您的企业 产生什么影响？ 作为迪拜领先的自由区，IFZA 将在本文中对数字迪拉姆进行解读，为您介绍您所需要知道的一切。 阿联酋为什么要推出数字迪拉姆？ 数字迪拉姆是阿联酋中央银行发行的中央银行数字货币（CBDC），它背后是区块链技术，是一种被政府背书的可信、安全的数字货币形式，可用于零售、 批发和跨境支付等多种场景。 阿联酋一直处于科技进步和数字化转型的前沿。推出数字迪拉姆，正是其金融基础设施现代化战略的重要组成部分，旨在在全球数字经济中保持竞争力。 除此之外，阿联酋通过数字迪拉姆的目标还包括让支付更快更普惠、保障货币主权与政策有效性、确保中央银行货币在数字经济中的安全性等。 数字迪拉姆发展进程 数字迪拉姆如何运 ...

Core Insights - The UAE is positioning itself as a global hub for digital economy, particularly in cryptocurrency and blockchain technology, attracting entrepreneurs, investors, and innovators from around the world [2] National Strategy - The UAE's digitalization and economic diversification strategies provide clear policy guidance and growth pathways for the cryptocurrency sector [3] - In 2017, Dubai Land Department became the first government entity to apply blockchain technology in real estate transactions [3] - The Central Bank of the UAE launched the "Digital Dirham Strategy" in March 2023, aimed at addressing payment challenges and supporting digital transformation through the issuance of a central bank digital currency [3] - The "2031 National Investment Strategy" released in 2024 emphasizes sustainable economic development and digital transformation, with the cryptocurrency sector being a cornerstone [3] - The phased rollout of the "Digital Dirham" is expected to enhance the resilience, efficiency, and inclusivity of the financial system [3] Innovative Regulatory Framework - The UAE's regulatory framework is a key competitive advantage, featuring both federal-level macro guidance and flexible local regulations [4] - The Securities and Commodities Authority oversees the regulation of securities, commodities, and virtual asset service providers, while the Central Bank regulates payment token services [4] - Dubai's "Virtual Assets Regulatory Law" established in March 2022 provides a clear legal framework for virtual asset service providers [4] - The Dubai Financial Services Authority has introduced various regulations, including the "Investment Token Framework" and "Crypto Token Framework," to regulate the cryptocurrency industry [5] Incentive Measures - The UAE offers a highly attractive business environment through tax incentives, free zone privileges, and visa facilitation [7] - There is no income tax or capital gains tax on profits from cryptocurrency transactions, mining, or staking [7] - The UAE has over 40 free zones that provide unique business environments and independent regulatory frameworks [7] - The Golden Visa program aims to attract high-net-worth investors and top talent, offering pathways for cryptocurrency investors and entrepreneurs [7] Rapid Development Momentum - The UAE aims to become a global high-growth cryptocurrency hub, with major platforms like Binance and Crypto.com establishing a presence [8] - By June 2025, Dubai's Virtual Assets Regulatory Authority had issued complete licenses to 36 companies, including Binance and BitOasis [8] - The total cryptocurrency investment in the UAE reached $34 billion from July 2023 to June 2024, a 42% increase year-on-year [8] - The cryptocurrency ownership rate among UAE residents exceeded 25% in 2024, ranking first globally [9] - The number of daily active cryptocurrency traders in the UAE surpassed 500,000, with significant growth in app downloads reflecting the industry's rapid expansion [9]

Group 1 - Morocco's payment accounts reached 13.8 million with a transaction scale of $4.36 billion, and electronic payments increased from 23% to 26% [1] - The Central Bank of Morocco remains cautious about the promotion of digital currency, focusing on whether it can create actual use value rather than just technical capabilities [1] - International experiences are emphasized as crucial for anticipating changes and learning effective lessons in the context of digital currency [1] Group 2 - A total of 137 countries and currency unions are exploring digital currencies, covering 98% of the global economy, with 72 jurisdictions in advanced stages of development, testing, or launch [2] - Countries like the Bahamas, Jamaica, and Nigeria have achieved nationwide deployment of digital currencies, although Nigeria's eNaira has seen poor adoption with an active wallet usage rate below 1.5% [2] - The Central Bank of Morocco is conducting interoperability pilot projects with the Central Bank of Egypt, supported by the World Bank, to assess user reactions and detect technical flaws [2]

Group 1: Business Expansion and Investment - Meituan's Keeta plans to expand operations in multiple cities across the Middle East, including the UAE, Kuwait, Qatar, Bahrain, and Brazil, with significant recruitment efforts in Dubai, Kuwait City, Doha, and São Paulo [2] - MGX, an Abu Dhabi investment group, is considering raising up to $25 billion for AI infrastructure investments, aiming to become one of the largest entities in this sector globally [5] - The Abu Dhabi Customs reported a 34.7% increase in non-oil foreign trade in the first half of 2025, reaching 195.4 billion dirhams, indicating strong economic activity [4] Group 2: Automotive Industry Growth - In the first half of 2025, the UAE became the second-largest destination for Chinese car exports, with 214,300 vehicles exported, marking a 58.5% year-on-year increase [3] - Chery's iCAUR brand launched two new hybrid SUVs in Dubai, highlighting the growing presence of Chinese automotive brands in the UAE market [2] Group 3: Technological Advancements - Dubai has established over 1,270 electric vehicle charging stations, supporting over 40,600 electric vehicles, as part of its goal to increase the share of electric and hybrid vehicles to 50% by 2050 [7] - The introduction of an AI-based smart parking system in Dubai aims to enhance parking experiences and streamline payment processes [7] Group 4: Tourism and Economic Indicators - Dubai welcomed 9.88 million international overnight visitors in the first half of 2025, a 6% increase compared to the previous year, with significant contributions from the GCC and MENA regions [8] - Qatar's industrial production index rose to 101.9 points in Q2 2025, reflecting a 2.8% quarter-on-quarter growth, driven by strong investment inflows [9]

Group 1 - The dollar index has fallen below 100, while the 30-year Treasury yield has surged past 5%, leading to an additional $50 billion in annual interest payments [2] - The U.S. is experiencing a wave of de-dollarization, primarily driven by actions from the Trump administration, including a recent executive order imposing 100% tariffs on key exports from 23 countries [2][4] - Countries like Russia, Brazil, and Iran are increasingly using alternative currencies for trade, with 92.3% of Russia's trade with BRICS partners now settled in currencies other than the dollar [4] Group 2 - The U.S. sanctions have prompted a significant shift away from the dollar, with China selling $74 billion in U.S. Treasuries, marking a 16-year low in holdings [4] - The SPFS system in Russia, which bypasses SWIFT, is now connected to 159 countries, indicating a growing trend towards alternative payment systems [5] - The dollar's share in global foreign exchange reserves has dropped below 55%, the lowest level since 1995, signaling a decline in dollar dominance [7]