作者：沈建光、朱太辉等；来源：太辉研究
近一个月来，阿联酋在推动稳定币和加密资产创新发展上动作频繁，引发了各国政策层和加密货币市场的广泛关注。2月24日稳定币发行商Circle旗下的稳定币USDC和EURC成为迪拜首批获批的稳定币，3月6日阿联酋国民银行（Emirates NBD）获批通过其数字银行平台推出加密货币交易服务，3月13日加密货币公司Ripple获批在阿联酋提供跨境加密支付服务，3月17日迪拜金融服务管理局推出代币化监管沙盒，3月20日迪拜土地局（DLD）宣布启动中东地区首个房地产代币化试点项目。
阿联酋是推动稳定币与加密货币（虚拟资产）规范创新发展的先行者，早在2020年就制定了专门加密资产监管法规，近年来在加密资产监管上走出了独特的“联邦统筹监管框架（明确底线要求）+地方灵活创新发展（试点创新探索）”模式，对稳定币和加密资产发行交易机构产生了极大的吸引力。在良好监管机制的推动下，阿联酋的稳定币与加密货币市场发展呈现出了良好的供需联动发展态势，2024年加密货币持有率超过了25%，位居全球之首，接下来的发展态势备受期待。
阿联酋对稳定币与加密资产市场的“明确底线+试点创新”监管模式，实现了支持创新发展与保障金融安全的有机统一，值得其他国家借鉴。中国的金融改革一直采用“试点先行、积累经验、逐步推广”的模式，对这一模式并不陌生，后续可以重点跟进阿联酋监管模式的运行效果，及时评估调整当前稳定币与加密货币政策。
报告出处：沈建光、朱太辉、王若菡，阿联酋加密资产的监管政策和发展趋势，《第一财经》，2025年3月21日。
图表2：阿联酋加密货币持有率全球第一：
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