হংকংয়ের স্টেবলকয়েন আইন ২০২৫

বিধি-বাহিরের ସমুদ্রস্রোত

আগস্ট 2025-এ, হংকংয়ের স্টেবলকয়েন (Stablecoin)আইন—বিশ্বজুড়েইপ্‌তাৎপত্‌মা। ‘ভাল’ও ‘খারাপ’—এখনও, ‘অসময়’।

আমি DeFi protocols-এ AI-চালিত risk models-এর on the job. HKMA (হংকঙ্‌গ্‌ Monetary Authority)-এর move-টি dekhar por amar priyotama: excitement? No. Relief.

‘Keno survive kore?’ — not anymore. Now: ‘Kivabe build kora jabe?’

এটি only policy paper na—ekta declaration: digital assets financial system er hisabe abhisek kore.

Kichu Jante Hobe—Fast

HKD, USD, CNY-এ pegged stablecoin - ebar o foreign issuers Hong Kong resident der jonne license niye asbe.

3 pillar:

• Capital Requirement: Non-banks - HK$25 million fully paid-up capital.
• Reserve Transparency: Cash or short-term govt bonds—100% liquid.
• Tech Audit: Smart contracts monthly audit Chainlink or similar oracle network er maddhome.

Ha! Interest banned on stablecoins — fake high-yield scam duray hoye jay.

Financial hygiene: bank chalate rule chahen. Ab crypto o same standard pabe.

Sandboxed e Kono Khelchhe?

Sandbox live. Not all will get final license—but testing kore je ki work kore.

• JD-HKD (JD.com): B2B cross-border payments er jonno — near-zero fee, settlement under 1 second.
• HKDG (Scotiabank + HKT + Anyma): Institutional adoption er jonno consortium-backed project.
• Ant Group &蚂蚁数科: RWA tokenization test — like securitizing renewable energy revenue via Jovay blockchain with up to 4.2% p.a., China forex limit comply-kore.

Egula startups na—enterprise-grade players ekta foundation stone banachhen tomorrow’s finance layer er jonno.

Tumi Je Kaj Korte Pari (No Risk)

Step 1: License Rollout Watch – August 1st Onward

Purbo HKMA channels and trusted platforms like HashKey Exchange or OSL Pro theke update rakho. First licenses institutions ke janege jekhane strong governance — flashy marketing team na!

Step 2: Compliance Account Early Open

Purbo:

• A Hong Kong bank account (Fubon or HSBC Global Wealth er maddhome)

• A licensed crypto exchange account (KYC + AML verified) Purbo time lagbe—but patience regret thake na regulator later khobor dey jene!

  Step 3: Start Small & Stay Rational

  Paw bari dite:

• JD-HKD use korun small remittance family overseas-e (speed & cost savings test korun)

• HashKey er maddhome ekta RWA-backed stablecoin buy korun (‘Jovay-USDC’ series) The goal? Learn how it works—not chase returns before understanding risk layers. Enterprise-level players are building real infrastructure now—not just hype-driven projects. So stay grounded in compliance and transparency instead of chasing quick gains. Remember: if someone promises high interest on stablecoins? They’re lying—or worse, breaking laws already enforced by HKMA. The real game isn’t profit—it’s transformation: a) Cross-border payments from days → seconds; b) Supply chains become frictionless; c) Offshore RMB usage grows organically; d) Trust replaces speculation as the core currency of digital finance. The blockchain may be decentralized—but regulation makes it usable at scale.*

Final Thought: Legal Access Era Shuru Hoye Chai

For too long, regular people were either excluded from crypto… or exploited by it. Now? We finally have a regulated door into digital finance—with audit trails, clear liabilities, and enforceable rights.I’m not saying everything is perfect yet—regulatory sandboxes take time—but this is exactly what I built my career modeling against: when transparency meets technology, innovation becomes sustainable.Because let me be clear—this isn’t just about Hong Kong’s stability.It’s about proving that blockchain can be safe enough—even for your grandma—to use daily.