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尼日利亚推行eNaira数字货币项目覆盖无银行账户人口
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顶点银行行长Godwin Emefiele在阿布贾举行的eNaira黑客马拉松上发表压轴讲话，宣布尼日利亚中央银行准备扩张eNaira项目背后的技术覆盖范围，以惠及更多的人。
由尼日利亚中央银行和非洲金融科技铸造厂共同主办的黑客马拉松，见证了十家创业公司脱颖而出成为赢家。
据非洲金融科技铸造厂负责人Daniel Awe介绍，eNaira黑卡马拉松平台将与现有的eNaira平台合并，以改善其功能。
据该项目网站介绍，eNaira将有助于促进国际汇款和外汇兑换，它还将帮助初创企业和中型企业升级并创造创新产品。
自eNaire推行以来，CBDCApp已经有近百万的下载量和270,000的活跃用户，消费者可以用于支付公用事业和其他服务。Emefiel指出，使用CBDC进行的交易约有200,000笔，总额约为950万美元。
eNaira如何帮助到无银行账户
据Emefiele所说，推行CBDC是一个漫长的过程而不是一件简单的事情。他说：“我们别无选择，只能接受这样一个事实，即我们现在正处在一个数字经济的大环境。在数字空间中，现金用户几乎将消失为零。”
他还指出，第二阶段将在无银行账户和服务水平低下的用户中展开，以加强金融包容性，该项目希望在第二阶段拥有800万活跃用户。
顶点银行将纳入非结构化补充服务数据（USSD）来促进工作展开。
使用USSD，用户可以通过手机拨打四位数创建eNaira钱包，们是否有银行账户并不重要。
除此之外，拥有银行账户的用户将能够使用尼日利亚银行间结算系统（NIPS）即时支付系统在银行账户之间转账。
尽管该国禁止Crypto，eNaira仍面临来自它们的竞争。根据Kucoin 2022的一份报告，最近大约有3340万尼日利亚人拥有或交易过Crypto。 来源：金色财经 |
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