Loading...
Loading...
E-naira Not A Threat - Nigeria’s Central Bank Replies to Critics, Highlights Use CasesE-naira Not A Threat - Nigeria’s Central Bank Replies to Critics, Highlights Use Cases
Source: AdobeStock / Faraz
The e-naira continues to generate controversy on its adoption rate, use cases, and more recently, claims by some observers on the threat it poses to the economy.
The Central Bank of Nigeria (CBN) has publicly backed its digital currency the e-naira which it released to rival the growing popularity of private cryptocurrencies like Bitcoin (BTC).
In an Oct 9 press release, the nation’s top banking regulator stated that the Central Bank Digital Currency (CBDC) is not a threat to financial stability urging all stakeholders to accept its use.
On Oct 4, local news outlet Punchreported on the dangers posed by the e-naira. It cited the CBN’s report, “Economics of Digital Currency, " whichwarned about conversions from fiat to digital currency.
The report suggests that the economy may be impacted as funds converted to digital wallets become domiciled with the top bank without access to commercial banks for loans and other financial activities.
“Since its inception, bank deposit conversion to e-naira has exhibited an average monthly growth of 78.3 percent and totaled about N1.66bn [$2.1 million]. Furthermore, eNaira in circulation as a ratio of average banking system liquidity has averaged 0.1 percent, reaching highs of 0.2 percent in each of May and August 2022.”
CBN backs the e-naira
In the bank’s response, the stated in clear terms that its previous report does not indicate any harmful effect of the e-naira on the economy suggesting a lack of understanding of the report.
The central bank also restated the threat posed by private cryptocurrenciesto the economy based on their use as speculative investments.
“A recurring theme in the book is the interest of regulators, such as the CBN, in the role of cryptocurrencies as speculative investments, and the potential threat they harbour for financial stability. Pursuant to that, the articles in the book provide an in-depth understanding of CBDCs generally and the workings of the eNaira in particular, highlighting issues and challenges in implementation and adoption”
Use cases to grow
Per the press release, the bank added that it will continue improving the e-naira in structure and user interfaces across multiple platforms.
Recently, several use cases have been announced for the e-nairaas it seeks to make payments easier for traders, farmers, and students.
On the economy, the digital currency has been hailed by financial experts for widening the tax net as it adds new demographics who were almost absent from the economy leveraging on the blockchain.土耳其拘留Tera及Destek高管，涉75亿美元基金调查Techub News 消息，土耳其当局拘留了金融公司Tera和Destek的高管，此举与一项涉及75亿美元的基金调查有关。此次拘留行动突显出土耳其金融体系的系统性漏洞，可能损害投资者信心和市场稳定。（Crypto Briefing）嘉楠科技二季度净亏损9800万美元，比特币价格下跌影响业绩Techub News 消息，比特币矿机制造商嘉楠科技（Canaan Inc.）公布2026年第二季度财报，报告期内净亏损达9800万美元。公司表示，亏损主要受比特币价格下跌影响，凸显了比特币矿业公司对市场波动的脆弱性。
财报显示，市场波动可能影响公司未来的投资与创新计划。嘉楠科技是全球主要的比特币矿机供应商之一，其业绩与加密货币市场行情紧密相关。（Crypto Briefing）英国央行与FCA强调代币化可提升抵押品流动性Techub News 消息，英国央行与英国金融行为监管局（FCA）发布联合报告，强调资产代币化对提升抵押品流动性的关键作用。报告指出，代币化可通过增强流动性、降低资本要求来提升金融体系韧性。（Crypto Briefing）谷歌 DeepMind 启动全球扩张，应对 AI 研究竞赛加剧Techub News 消息，谷歌旗下 AI 研究部门 DeepMind 宣布启动全球扩张，并进行了领导层调整，以应对日益激烈的 AI 研究竞赛。此举突显了 AI 创新的战略重要性及行业竞争压力。
（Crypto Briefing）泽连斯基指控普京在和平谈判期间向特朗普官员撒谎Techub News 消息，乌克兰总统泽连斯基指控俄罗斯总统普京在和平谈判期间向美国特朗普政府官员撒谎，导致双方信任度下降，和平努力复杂化，东欧地缘政治不稳定性持续。（Crypto Briefing）Dreamforce 2026 将分别举办 OpenAI 与 Anthropic 领导层 AI 专题会议Techub News 消息，Salesforce 年度大会 Dreamforce 2026 议程显示，将分别举办由 OpenAI 与 Anthropic 领导层主持的人工智能专题会议。此举凸显 AI 治理与伦理议题在商业领域日益重要。（Crypto Briefing）Spark Finance 新版 spUSDC V2 上线 40 分钟内流入 5600 万美元Techub News 消息，DeFi 协议 Spark Finance 推出的新版稳定币收益产品 spUSDC V2 上线后，在不到 40 分钟内吸引了 5600 万美元的资金流入。该产品允许用户存入 USDC 以赚取收益，此次快速流入凸显了 DeFi 领域资本高速流动的潜力，同时也引发了市场对流动性风险的关注。（Crypto Briefing）博通 AI 半导体收入飙升 221%，剩余履约义务达 1790 亿美元Techub News 消息，博通（Broadcom）报告其 AI 半导体收入飙升 221%，同时其剩余履约义务（RPO）高达 1790 亿美元，凸显了其在塑造未来 AI 基础设施和市场动态中的关键作用。（Crypto Briefing）Arbitrum 监督委员会拟永久封禁三名涉嫌滥用资助的受助者Techub News 消息，Arbitrum 监督委员会正在寻求对三名涉嫌滥用资助的受助者实施永久封禁。该委员会的行动凸显了在去中心化自治组织中严格治理的重要性，以确保问责并阻止资金滥用。
（Crypto Briefing）财富管理平台 Savvy Wealth 完成 1 亿美元 C 轮融资，估值达 6 亿美元Techub News 消息，财富管理平台 Savvy Wealth 宣布完成 1 亿美元 C 轮融资，公司估值跃升至 6 亿美元。本轮融资将用于加速其 AI 驱动的财务顾问平台的发展。该公司的快速增长突显了金融咨询领域对人工智能日益增长的依赖，并正在重塑行业格局。 （Crypto Briefing）AI生产力初创公司Highlight AI已筹集4000万美元（约合576亿韩元）资金，并任命了新的首席执行官。该公司宣布，在Khosla Ventures的主导下完成了A轮融资，其他多家投资机构也参与了本轮投资。此外，Highlight还聘请了前Discord产品副总裁谢尔盖·索罗金担任新任首席执行官。 Highlight于2024年从Medal Inc.分拆成立，致力于开发一款通过AI协助分析业务数据的桌面应用程序。用户可以上传极其复杂的文件（例如产品设计图）以生成简洁的自然语言描述。 该软件具备快速处理日常任务的功能，可自动生成会议笔记，或将分散在多个文件中的信息转换为待办事项列表。通过MCP工具，用户能够将Highlight中的数据同步至外部应用程序。 Highlight提供免费版本和每月20美元的Highlight Premium服务。高级计划支持访问OpenAI Group PBC及其他供应商的先进AI模型，用于自动化复杂任务或高速处理较简单的工作。 据该公司透露，该应用程序已被包括谷歌（GOOG）、DoorDash（DASH）等主要科技企业在内的超过50万用户采用。Highlight计划利用本轮投资扩展产品功能。目前工程师团队正在开发集成式团队记忆引擎，用于自动化涉及多工作人员与多应用程序协同的复杂任务，预计该功能可为每项任务节省多达数小时的时间。
