{"id":140792,"date":"2025-06-12T15:30:18","date_gmt":"2025-06-12T10:00:18","guid":{"rendered":"https:\/\/rajras.in\/?page_id=140792"},"modified":"2025-07-19T15:52:29","modified_gmt":"2025-07-19T10:22:29","slug":"crypto-currency","status":"publish","type":"page","link":"https:\/\/rajras.in\/hi\/ras\/mains\/paper-2\/science-tech\/crypto-currency\/","title":{"rendered":"\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940"},"content":{"rendered":"\n<p>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u090f\u0915 \u0921\u093f\u091c\u093f\u091f\u0932 \u092f\u093e \u0935\u0930\u094d\u091a\u0941\u0905\u0932 \u092e\u0941\u0926\u094d\u0930\u093e \u0939\u0948, \u091c\u094b \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u0940 \u0924\u0915\u0928\u0940\u0915 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964 <a href=\"https:\/\/rajras.in\/hi\/ras\/mains\/paper-2\/science-tech\/\">\u092a\u094d\u0930\u094c\u0926\u094d\u092f\u094b\u0917\u093f\u0915\u0940<\/a> \u0915\u0947 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092e\u0947\u0902 \u092f\u0939 \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0928\u0935\u093e\u091a\u093e\u0930 \u0939\u0948, \u091c\u094b \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u094b \u091a\u0941\u0928\u094c\u0924\u0940 \u0926\u0947 \u0930\u0939\u093e \u0939\u0948\u0964 \u0907\u0938\u092e\u0947\u0902 \u0932\u0947\u0928\u0926\u0947\u0928 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0928\u093e\u092e\u0915 \u0924\u0915\u0928\u0940\u0915 \u092a\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u0907\u0938\u0947 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092c\u0928\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n<style>.kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-table-of-content-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);background-color:var(--ast-global-color-6);border-top:1px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}.kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-table-of-contents-title-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-table-of-contents-title{font-weight:regular;font-style:normal;}.kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-table-of-content-wrap .kb-table-of-content-list{font-weight:regular;font-style:normal;margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-right:0px;margin-bottom:0px;margin-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:before{background-color:var(--ast-global-color-6);}@media all and (max-width: 1024px){.kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-table-of-content-wrap{border-top:1px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}}@media all and (max-width: 767px){.kb-table-of-content-nav.kb-table-of-content-id140792_408ce5-85 .kb-table-of-content-wrap{border-top:1px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}}<\/style>\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-luminous-vivid-orange-color has-text-color has-background has-link-color wp-elements-5cb551e1c747dc4936e271ea2dc26860\" style=\"border-radius:10px;background-color:#fcb90059;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940<\/strong><\/h2>\n\n\n\n<p><strong>\u092a\u0930\u093f\u092d\u093e\u0937\u093e <\/strong>: \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u090f\u0915 \u0921\u093f\u091c\u093f\u091f\u0932 \u092f\u093e \u0906\u092d\u093e\u0938\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0939\u0948 \u091c\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u093f\u0915 \u0924\u0915\u0928\u0940\u0915\u094b\u0902 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e\u0913\u0902 (\u091c\u0948\u0938\u0947, \u0938\u0930\u0915\u093e\u0930\u0940 \u0926\u094d\u0935\u093e\u0930\u093e \u091c\u093e\u0930\u0940 \u092b\u093f\u090f\u091f \u092e\u0928\u0940) \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 <strong>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u0947\u091f\u0935\u0930\u094d\u0915<\/strong> \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948 \u0914\u0930 <strong>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0924\u0915\u0928\u0940\u0915<\/strong> \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0947 \u0932\u094b\u0915\u092a\u094d\u0930\u093f\u092f \u0909\u0926\u093e\u0939\u0930\u0923<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bitcoin (BTC):<\/strong> \u092a\u0939\u0932\u0940 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940, \u091c\u093f\u0938\u0947 2008 \u092e\u0947\u0902 \u092a\u0947\u0936 \u0915\u093f\u092f\u093e \u0917\u092f\u093e\u0964<\/li>\n\n\n\n<li><strong>Ethereum (ETH):<\/strong> \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0915\u0949\u0928\u094d\u091f\u094d\u0930\u0948\u0915\u094d\u091f \u0915\u094d\u0937\u092e\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u0938\u093f\u0926\u094d\u0927\u0964<\/li>\n\n\n\n<li><strong>Ripple (XRP):<\/strong> \u0938\u0940\u092e\u093e-\u092a\u093e\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 (Cross-border payments) \u0915\u094b \u0938\u0930\u0932 \u092c\u0928\u093e\u0928\u0947 \u092a\u0930 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#0270ba59;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940<\/strong> \u0915\u0940 <strong>\u092e\u0941\u0916\u094d\u092f \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u0935\u093f\u0936\u0947\u0937\u0924\u093e<\/strong><\/td><td><strong>\u0935\u093f\u0935\u0930\u0923<\/strong><\/td><\/tr><tr><td><strong>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0930\u0923<\/strong><\/td><td>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948, \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0924\u0915\u0928\u0940\u0915 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948, \u0914\u0930 \u0915\u093f\u0938\u0940 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092a\u094d\u0930\u093e\u0927\u093f\u0915\u0930\u0923 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964<\/td><\/tr><tr><td><strong>\u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0914\u0930 \u092a\u0939\u091a\u093e\u0928<\/strong><\/td><td>\u0932\u0947\u0928-\u0926\u0947\u0928 \u092e\u0947\u0902 \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u090f\u0915 \u0938\u094d\u0924\u0930 \u0924\u0915 <strong>\u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e<\/strong> \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948; \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0935\u0949\u0932\u0947\u091f \u090f\u0921\u094d\u0930\u0947\u0938 \u0938\u0947 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e<\/strong><\/td><td>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0938\u092d\u0940 \u0932\u0947\u0928\u0926\u0947\u0928 \u0915\u094b \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0914\u0930 \u0905\u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928\u0940\u092f\u0924\u093e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u0938\u0941\u0930\u0915\u094d\u0937\u093e<\/strong><\/td><td>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u093f\u0915 \u0924\u0930\u0940\u0915\u094b\u0902 \u0938\u0947 \u0932\u0947\u0928\u0926\u0947\u0928 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0907\u0928\u094d\u0939\u0947\u0902 \u091b\u0947\u0921\u093c\u091b\u093e\u0921\u093c \u0914\u0930 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u0947 \u092a\u094d\u0930\u0924\u093f \u092a\u094d\u0930\u0924\u093f\u0930\u094b\u0927\u0940 \u092c\u0928\u093e\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0909\u092a\u0932\u092c\u094d\u0927\u0924\u093e<\/strong><\/td><td>\u092e\u0941\u0926\u094d\u0930\u093e \u0935\u093f\u0928\u093f\u092e\u092f \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927\u094b\u0902 \u0915\u0947 \u092c\u093f\u0928\u093e \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u093e \u0935\u093f\u0936\u094d\u0935 \u0938\u094d\u0924\u0930 \u092a\u0930 \u0909\u092a\u092f\u094b\u0917 \u0914\u0930 \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u0905\u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928\u0940\u092f \u0932\u0947\u0928\u0926\u0947\u0928<\/strong><\/td><td>\u090f\u0915 \u092c\u093e\u0930 \u0932\u0947\u0928-\u0926\u0947\u0928 \u092a\u0942\u0930\u093e \u0939\u094b \u091c\u093e\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926, \u0907\u0938\u0947 \u0930\u0926\u094d\u0926 \u092f\u093e \u092c\u0926\u0932\u093e \u0928\u0939\u0940\u0902 \u091c\u093e \u0938\u0915\u0924\u093e, \u091c\u093f\u0938\u0938\u0947 \u091c\u0935\u093e\u092c\u0926\u0947\u0939\u0940 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u0938\u0940\u092e\u093f\u0924 \u0906\u092a\u0942\u0930\u094d\u0924\u093f&nbsp;<\/strong><\/td><td>\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 (\u091c\u0948\u0938\u0947, Bitcoin) \u0915\u0940 \u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0906\u092a\u0942\u0930\u094d\u0924\u093f \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0926\u0941\u0930\u094d\u0932\u092d\u0924\u093e \u0914\u0930 \u092e\u0942\u0932\u094d\u092f \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u092a\u0940\u092f\u0930-\u091f\u0942-\u092a\u0940\u092f\u0930 \u0932\u0947\u0928\u0926\u0947\u0928<\/strong><\/td><td>\u092c\u0948\u0902\u0915\u094b\u0902 \u091c\u0948\u0938\u0947 \u092c\u093f\u091a\u094c\u0932\u093f\u092f\u094b\u0902 \u0915\u0947 \u092c\u093f\u0928\u093e \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u092c\u0940\u091a \u092e\u0942\u0932\u094d\u092f \u0915\u093e \u0938\u0940\u0927\u093e \u0906\u0926\u093e\u0928-\u092a\u094d\u0930\u0926\u093e\u0928\u0964<\/td><\/tr><tr><td><strong>\u0924\u0947\u091c\u093c \u0932\u0947\u0928\u0926\u0947\u0928&nbsp;<\/strong><\/td><td>\u0932\u0947\u0928-\u0926\u0947\u0928, \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0938\u0940\u092e\u093e-\u092a\u093e\u0930 \u0932\u0947\u0928-\u0926\u0947\u0928, \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0924\u0947\u091c\u0940 \u0938\u0947 \u0938\u0902\u092a\u0928\u094d\u0928 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><\/tr><tr><td><strong>\u0915\u092e \u0932\u0947\u0928\u0926\u0947\u0928 \u0932\u093e\u0917\u0924<\/strong><\/td><td>\u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0938\u0940\u092e\u093e-\u092a\u093e\u0930 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u0923\u093e\u0932\u093f\u092f\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0936\u0941\u0932\u094d\u0915\u0964<\/td><\/tr><tr><td><strong>\u092a\u094d\u0930\u094b\u0917\u094d\u0930\u093e\u092e \u0915\u0930\u0928\u0947 \u092f\u094b\u0917\u094d\u092f<\/strong><\/td><td>\u0915\u0908 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 (\u091c\u0948\u0938\u0947 Ethereum) \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0915\u0949\u0928\u094d\u091f\u094d\u0930\u0948\u0915\u094d\u091f\u094d\u0938 \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u091c\u094b \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0932\u0947\u0928\u0926\u0947\u0928 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/td><\/tr><tr><td><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935<\/strong><\/td><td>\u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e \u0928\u093f\u091c\u0940 \u0915\u0941\u0902\u091c\u093f\u092f\u094b\u0902 (Private Keys) \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0905\u092a\u0928\u0940 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092a\u0930 \u092a\u0942\u0930\u093e \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u0905\u0902\u0924\u0930\u094d\u0928\u093f\u0939\u093f\u0924 \u092e\u0942\u0932\u094d\u092f \u0915\u093e \u0905\u092d\u093e\u0935<\/strong><\/td><td>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092e\u0947\u0902 \u0915\u094b\u0908 \u0905\u0902\u0924\u0930\u094d\u0928\u093f\u0939\u093f\u0924 \u092e\u0942\u0932\u094d\u092f \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e \u0914\u0930 \u092f\u0947 \u092d\u094c\u0924\u093f\u0915 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u092e\u0930\u094d\u0925\u093f\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940; \u092f\u0939 \u0915\u0947\u0935\u0932 \u092c\u093e\u091c\u093c\u093e\u0930 \u0915\u0947 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0914\u0930 \u092e\u093e\u0902\u0917 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#0270ba59;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u093e \u0907\u0924\u093f\u0939\u093e\u0938 \u0914\u0930 \u0935\u093f\u0915\u093e\u0938<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1980s-1990s: \u0936\u0941\u0930\u0941\u0906\u0924\u0940 \u0935\u093f\u091a\u093e\u0930<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u093c\u093f\u0915 \u092a\u094d\u0930\u0917\u0924\u093f: <\/strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u093c\u093f\u0915 \u092a\u094d\u0930\u094b\u091f\u094b\u0915\u0949\u0932 (\u0909\u0926\u093e. \u0915\u0947 \u0932\u093f\u090f, RSA) \u0915\u0947 \u0935\u093f\u0915\u093e\u0938 \u0928\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0921\u093f\u091c\u093f\u091f\u0932 \u0932\u0947\u0928\u0926\u0947\u0928 \u0915\u0940 \u0928\u0940\u0902\u0935 \u0930\u0916\u0940\u0964<\/li>\n\n\n\n<li><strong>DigiCash (1989)<\/strong>: \u0921\u0947\u0935\u093f\u0921 \u091a\u0949\u092e \u0928\u0947 \u090f\u0928\u094b\u0928\u093f\u092e\u0938 \u0921\u093f\u091c\u093f\u091f\u0932 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u0940 \u0905\u0935\u0927\u093e\u0930\u0923\u093e \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0915\u0940, \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0947 \u0935\u094d\u092f\u093e\u092a\u0915 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f \u0928\u0939\u0940\u0902 \u092e\u093f\u0932\u0940\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>1998 &#8211; \u0928\u093f\u0915 \u0938\u094d\u091c\u093e\u092c\u094b<\/strong> \u0928\u0947 <strong>Bit Gold<\/strong> \u0915\u093e \u0935\u093f\u091a\u093e\u0930 \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0915\u093f\u092f\u093e\u0964<\/li>\n\n\n\n<li><strong>2008: \u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u0936\u094d\u0935\u0947\u0924\u092a\u0924\u094d\u0930<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong><em>\u0938\u0924\u094b\u0936\u0940 \u0928\u093e\u0915\u093e\u092e\u094b\u091f\u094b<\/em><\/strong><em> \u0928\u0947 &#8220;Bitcoin: A Peer-to-Peer Electronic Cash System&#8221; \u0936\u0940\u0930\u094d\u0937\u0915 \u0938\u0947 \u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u0936\u094d\u0935\u0947\u0924\u092a\u0924\u094d\u0930 \u092a\u094d\u0930\u0915\u093e\u0936\u093f\u0924 \u0915\u093f\u092f\u093e\u0964<\/em><\/li>\n\n\n\n<li>\u092f\u0939 \u092a\u0939\u0932\u0940 \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0925\u0940, \u091c\u093f\u0938\u092e\u0947\u0902 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0924\u0915\u0928\u0940\u0915 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u093f\u092f\u093e \u0917\u092f\u093e\u0964.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>2009: \u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u0932\u0949\u0928\u094d\u091a:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Genesis Block:<\/strong> 3 \u091c\u0928\u0935\u0930\u0940, 2009 \u0915\u094b \u092a\u0939\u0932\u093e \u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u092c\u094d\u0932\u0949\u0915 \u0916\u0928\u0928 \u0915\u093f\u092f\u093e \u0917\u092f\u093e\u0964<\/li>\n\n\n\n<li><strong>\u092a\u0939\u0932\u093e \u0932\u0947\u0928\u0926\u0947\u0928:<\/strong> \u0938\u0924\u094b\u0936\u0940 \u0928\u093e\u0915\u093e\u092e\u094b\u091f\u094b \u0928\u0947 10 BTC <strong>\u0939\u0948\u0932 \u092b\u093f\u0928\u0940<\/strong> \u0915\u094b \u092d\u0947\u091c\u0947\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>2015: \u090f\u0925\u0947\u0930\u093f\u092f\u092e \u0914\u0930 \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0915\u0949\u0928\u094d\u091f\u094d\u0930\u0948\u0915\u094d\u091f\u094d\u0938 \u0915\u093e \u092a\u0930\u093f\u091a\u092f:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u090f\u0925\u0947\u0930\u093f\u092f\u092e:<\/strong> \u090f\u0925\u0947\u0930\u093f\u092f\u092e \u0915\u094b \u0935\u093f\u091f\u093e\u0932\u093f\u0915 \u092c\u094d\u092f\u0942\u091f\u093f\u0930\u093f\u0928 \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u0947\u0936 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0925\u093e, \u091c\u094b \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0905\u0928\u0941\u092c\u0902\u0927 \u0914\u0930 \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0905\u0928\u0941\u092a\u094d\u0930\u092f\u094b\u0917\u094b\u0902 (\u0921\u0940\u090f\u092a\u0940) \u0915\u094b \u0938\u0915\u094d\u0937\u092e \u092c\u0928\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0921\u093f\u091c\u093f\u091f\u0932 \u092e\u0941\u0926\u094d\u0930\u093e \u0938\u0947 \u092a\u0930\u0947 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0947 \u0909\u092a\u092f\u094b\u0917 \u0915\u094b \u0935\u094d\u092f\u093e\u092a\u0915 \u092c\u0928\u093e\u092f\u093e\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>2017: \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u092c\u0942\u092e:<\/strong> \u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u0915\u0940 \u0915\u0940\u092e\u0924 $20,000 \u0924\u0915 \u092a\u0939\u0941\u0901\u091a\u0940\u0964<\/li>\n\n\n\n<li><strong>2020 &#8211; \u0935\u0930\u094d\u0924\u092e\u093e\u0928: \u0938\u0902\u0938\u094d\u0925\u093e\u0917\u0924 \u0938\u094d\u0935\u0940\u0915\u0943\u0924\u093f:<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 \u091c\u0948\u0938\u0947 <strong>Tesla, PayPal, Visa<\/strong> \u0928\u0947 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u094b \u090f\u0915\u0940\u0915\u0943\u0924 \u0915\u093f\u092f\u093e\u0964<\/li>\n\n\n\n<li>\u092d\u093e\u0930\u0924 \u0914\u0930 \u091a\u0940\u0928 \u0938\u0939\u093f\u0924 \u0915\u0908 \u0938\u0930\u0915\u093e\u0930\u0947\u0902 CBDCs \u092a\u0930 \u0915\u093e\u092e \u0915\u0930 \u0930\u0939\u0940 \u0939\u0948\u0902<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>2023+ : Web 3.0 \u0915\u093e \u090f\u0915\u0940\u0915\u0930\u0923<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0935\u093f\u0924\u094d\u0924 (DeFi):<\/strong> \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u0923\u093e\u0932\u093f\u092f\u094b\u0902 \u0915\u093e \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0930\u0923\u0964<\/li>\n\n\n\n<li><strong>\u0928\u0949\u0928-\u092b\u0902\u091c\u093f\u092c\u0932 \u091f\u094b\u0915\u0928 (NFTs):<\/strong> \u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u0940 \u0905\u0926\u094d\u0935\u093f\u0924\u0940\u092f\u0924\u093e \u0914\u0930 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935\u0964<\/li>\n\n\n\n<li><strong>\u092e\u0947\u091f\u093e\u0935\u0930\u094d\u0938 \u090f\u092a\u094d\u0932\u093f\u0915\u0947\u0936\u0928:<\/strong> \u0935\u0930\u094d\u091a\u0941\u0905\u0932 \u0926\u0941\u0928\u093f\u092f\u093e \u092e\u0947\u0902 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u092d\u0941\u0917\u0924\u093e\u0928 \u0914\u0930 \u0932\u0947\u0928\u0926\u0947\u0928\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#0270ba59;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0928\u094d\u0938\u0940 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u0940 \u0939\u0948<\/strong><\/h3>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>\u092e\u0941\u0916\u094d\u092f \u092a\u094d\u0930\u094c\u0926\u094d\u092f\u094b\u0917\u093f\u0915\u0940: \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092a\u0930\u093f\u092d\u093e\u0937\u093e <\/strong>: \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u090f\u0915 \u0935\u093f\u0915\u0947\u0928\u094d\u0926\u094d\u0930\u0940\u0915\u0943\u0924, \u0935\u093f\u0924\u0930\u093f\u0924 \u0916\u093e\u0924\u093e \u092c\u0939\u0940 (Ledger) \u0939\u0948 \u091c\u094b \u0915\u0908 \u0915\u0902\u092a\u094d\u092f\u0942\u091f\u0930\u094b\u0902 \u092a\u0930 \u0938\u092d\u0940 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0932\u0947\u0928\u0926\u0947\u0928 \u0915\u094b \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>\u092e\u0941\u0916\u094d\u092f \u0918\u091f\u0915<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 <\/strong>: \u090f\u0915 \u0935\u093f\u0924\u0930\u093f\u0924 \u0932\u0947\u091c\u093c\u0930 \u091c\u094b \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u0915\u0947 \u0915\u0902\u092a\u094d\u092f\u0942\u091f\u0930\u094b\u0902 \u092a\u0930 \u0938\u092d\u0940 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u094b \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0938\u0902\u0930\u091a\u0928\u093e<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u092c\u094d\u0932\u0949\u0915\u094d\u0938:<\/strong> \u0921\u0947\u091f\u093e \u0915\u0940 \u0907\u0915\u093e\u0907\u092f\u093e\u0901, \u091c\u093f\u0928\u092e\u0947\u0902 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u0947 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u091a\u0947\u0928:<\/strong> \u092c\u094d\u0932\u0949\u0915\u094b\u0902 \u0915\u094b \u090f\u0915 \u0915\u0947 \u092c\u093e\u0926 \u090f\u0915 \u091c\u094b\u0921\u093c\u0915\u0930 \u091a\u0947\u0928 \u092c\u0928\u093e\u0908 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0928\u094b\u0921\u094d\u0938:<\/strong> \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u092e\u0947\u0902 \u092e\u094c\u091c\u0942\u0926 \u0915\u0902\u092a\u094d\u092f\u0942\u091f\u0930, \u091c\u094b \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0921\u0947\u091f\u093e \u0915\u094b \u0938\u0902\u0917\u094d\u0930\u0939\u0940\u0924 \u0914\u0930 \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0907\u092e\u094d\u092f\u0942\u091f\u0947\u092c\u0932 \u0932\u0947\u091c\u093c\u0930 :<\/strong> \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092e\u0947\u0902 \u0921\u0947\u091f\u093e \u090f\u0915 \u092c\u093e\u0930 \u091c\u094b\u0921\u093c\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092c\u0926\u0932\u093e \u0928\u0939\u0940\u0902 \u091c\u093e \u0938\u0915\u0924\u093e, \u091c\u093f\u0938\u0938\u0947 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u0940 <\/strong>: \u0939\u0948\u0936\u093f\u0902\u0917 \u0914\u0930 \u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u093f\u0917\u094d\u0928\u0947\u091a\u0930 \u091c\u0948\u0938\u0940 \u0924\u0915\u0928\u0940\u0915\u094b\u0902 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0914\u0930 \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e \u0915\u0940 \u0905\u0928\u093e\u092e\u093f\u0924\u093e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964\n<ul class=\"wp-block-list\">\n<li><strong>\u092a\u092c\u094d\u0932\u093f\u0915 \u0915\u0940 :<\/strong> \u0927\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0905\u0926\u094d\u0935\u093f\u0924\u0940\u092f \u092a\u0924\u093e (\u0916\u093e\u0924\u093e \u0938\u0902\u0916\u094d\u092f\u093e \u091c\u0948\u0938\u093e)\u0964<\/li>\n\n\n\n<li><strong>\u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0915\u0940 :<\/strong> \u0932\u0947\u0928-\u0926\u0947\u0928 \u0924\u0915 \u092a\u0939\u0941\u0902\u091a\u0928\u0947 \u0914\u0930 \u0909\u0938\u0947 \u0905\u0927\u093f\u0915\u0943\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0917\u0941\u092a\u094d\u0924 \u0915\u094b\u0921 (\u092a\u093e\u0938\u0935\u0930\u094d\u0921 \u091c\u0948\u0938\u093e)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0935\u0949\u0932\u0947\u091f\u094d\u0938 <\/strong>: \u0921\u093f\u091c\u093f\u091f\u0932 \u0909\u092a\u0915\u0930\u0923 (\u0938\u0949\u092b\u093c\u094d\u091f\u0935\u0947\u092f\u0930 \u092f\u093e \u0939\u093e\u0930\u094d\u0921\u0935\u0947\u092f\u0930) \u091c\u094b \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092d\u0947\u091c\u0928\u0947, \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0914\u0930 \u092a\u094d\u0930\u092c\u0902\u0927\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0914\u0930 \u0928\u093f\u091c\u0940 \u0915\u0941\u0902\u091c\u0940 \u0938\u0902\u0917\u094d\u0930\u0939\u0940\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u092e\u093e\u0907\u0928\u093f\u0902\u0917 : \u0932\u0947\u0928-\u0926\u0947\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u0928<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u092e\u093e\u0907\u0928\u093f\u0902\u0917 \u0915\u094d\u092f\u093e \u0939\u0948?&nbsp; : <\/strong>\u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u094b \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u0947 \u0914\u0930 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092e\u0947\u0902 \u091c\u094b\u0921\u093c\u0928\u0947 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e, \u091c\u093f\u0938\u092e\u0947\u0902 \u091c\u091f\u093f\u0932 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u093f\u0915 \u092a\u0939\u0947\u0932\u093f\u092f\u094b\u0902 \u0915\u094b \u0939\u0932 \u0915\u0930\u0928\u093e \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f :<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u094b \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u093e\u0964<\/li>\n\n\n\n<li>\u0921\u092c\u0932-\u0938\u094d\u092a\u0947\u0902\u0921\u093f\u0902\u0917 \u0915\u094b \u0930\u094b\u0915\u0928\u093e\u0964<\/li>\n\n\n\n<li>\u092e\u093e\u0907\u0928\u0930\u094d\u0938 \u0915\u094b \u0928\u0908 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0928\u094d\u0938\u0940 (\u091c\u0948\u0938\u0947, \u092c\u093f\u091f\u0915\u0949\u0907\u0928) \u0938\u0947 \u092a\u0941\u0930\u0938\u094d\u0915\u0943\u0924 \u0915\u0930\u0928\u093e\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092a\u094d\u0930\u0942\u092b-\u0911\u092b-\u0935\u0930\u094d\u0915&nbsp; (PoW):<\/strong> \u090f\u0915 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u092e\u093e\u0907\u0928\u093f\u0902\u0917 \u0935\u093f\u0927\u093f, \u091c\u093f\u0938\u0915\u0947 \u0932\u093f\u090f \u0915\u092e\u094d\u092a\u094d\u092f\u0942\u091f\u0947\u0936\u0928\u0932 \u0936\u0915\u094d\u0924\u093f \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>\u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0906\u0930\u0902\u092d :<\/strong> \u090f\u0915 \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e \u0905\u092a\u0928\u0940 \u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0915\u0940 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0915\u0947 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0928\u094d\u0938\u0940 \u0915\u094b \u0926\u0942\u0938\u0930\u0947 \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e \u0915\u0940 \u092a\u092c\u094d\u0932\u093f\u0915 \u0915\u0940 \u092a\u0930 \u092d\u0947\u091c\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092a\u094d\u0930\u0938\u093e\u0930\u0923 :<\/strong> \u0932\u0947\u0928-\u0926\u0947\u0928 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u0915\u094b \u092d\u0947\u091c\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0938\u0924\u094d\u092f\u093e\u092a\u0928 :<\/strong> \u092e\u093e\u0907\u0928\u0930\u094d\u0938 \u092f\u093e \u0938\u0924\u094d\u092f\u093e\u092a\u0928\u0915\u0930\u094d\u0924\u093e \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u0940 \u092a\u094d\u0930\u093e\u092e\u093e\u0923\u093f\u0915\u0924\u093e \u0915\u094b \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u092c\u094d\u0932\u0949\u0915 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0915\u0930\u0928\u093e :<\/strong>\u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u094b \u090f\u0915 \u092c\u094d\u0932\u0949\u0915 \u092e\u0947\u0902 \u091c\u094b\u0921\u093c\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0905\u092a\u0921\u0947\u091f :<\/strong> \u090f\u0915 \u092c\u093e\u0930 \u0932\u0947\u0928-\u0926\u0947\u0928 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092e\u0947\u0902 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0939\u094b \u091c\u093e\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926, \u092f\u0939 \u0905\u092e\u093f\u091f \u0914\u0930 \u0905\u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928\u0940\u092f \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>\u0938\u0939\u092e\u0924\u093f \u0924\u0902\u0924\u094d\u0930<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092a\u094d\u0930\u0942\u092b \u0911\u092b \u0935\u0930\u094d\u0915&nbsp; (PoW):<\/strong> \u0916\u0928\u093f\u0915 (Miners) \u091c\u091f\u093f\u0932 \u0917\u0923\u093f\u0924\u0940\u092f \u0938\u092e\u0938\u094d\u092f\u093e\u0913\u0902 \u0915\u094b \u0939\u0932 \u0915\u0930\u0915\u0947 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u094b \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 <strong>\u0909\u092a\u092f\u094b\u0917:<\/strong> \u092c\u093f\u091f\u0915\u0949\u0907\u0928\u0964<\/li>\n\n\n\n<li><strong>\u092a\u094d\u0930\u0942\u092b \u0911\u092b \u0938\u094d\u091f\u0947\u0915&nbsp; (PoS):<\/strong> \u0938\u0924\u094d\u092f\u093e\u092a\u0928\u0915\u0930\u094d\u0924\u093e (Validators) \u0915\u093e \u091a\u092f\u0928 \u0907\u0938 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0915\u093f \u0909\u0928\u0915\u0947 \u092a\u093e\u0938 \u0915\u093f\u0924\u0928\u0947 \u0938\u093f\u0915\u094d\u0915\u0947 \u0939\u0948\u0902\u0964 <strong>\u0909\u0926\u093e\u0939\u0930\u0923:<\/strong> \u090f\u0925\u0947\u0930\u093f\u092f\u092e 2.0 (Ethereum 2.0) \u092e\u0947\u0902 \u0909\u092a\u092f\u094b\u0917 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0905\u0928\u094d\u092f \u0924\u0902\u0924\u094d\u0930 <\/strong>: \u0921\u0947\u0932\u0940\u0917\u0947\u091f\u0947\u0921 \u092a\u094d\u0930\u0942\u092b \u0911\u092b \u0938\u094d\u091f\u0947\u0915 (DPoS), \u092a\u094d\u0930\u0942\u092b \u0911\u092b \u0905\u0925\u0949\u0930\u093f\u091f\u0940 (PoA), etc.<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0930\u0923&nbsp;<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0915\u094b\u0908 \u092d\u0940 \u090f\u0915\u0932 \u0907\u0915\u093e\u0908 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0940\u0964<\/li>\n\n\n\n<li>\u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u094b \u0915\u0908 \u0928\u094b\u0921\u094d\u0938 \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0914\u0930 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"279\" src=\"https:\/\/rajras.in\/wp-content\/uploads\/2025\/06\/image94-1024x279.png\" alt=\"Crypto Currency\" class=\"wp-image-139973\" style=\"width:700px\" srcset=\"https:\/\/rajras.in\/wp-content\/uploads\/2025\/06\/image94-1024x279.png 1024w, https:\/\/rajras.in\/wp-content\/uploads\/2025\/06\/image94-600x164.png 600w, https:\/\/rajras.in\/wp-content\/uploads\/2025\/06\/image94-300x82.png 300w, https:\/\/rajras.in\/wp-content\/uploads\/2025\/06\/image94-768x209.png 768w, https:\/\/rajras.in\/wp-content\/uploads\/2025\/06\/image94-1536x419.png 1536w, https:\/\/rajras.in\/wp-content\/uploads\/2025\/06\/image94.png 1548w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#0270ba59;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u0932\u094b\u0915\u092a\u094d\u0930\u093f\u092f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>A. \u092c\u093f\u091f\u0915\u0949\u0907\u0928 (BTC)<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2008 \u092e\u0947\u0902 &#8220;\u0938\u093e\u0924\u094b\u0936\u0940 \u0928\u093e\u0915\u093e\u092e\u094b\u0924\u094b&#8221; \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e\u0964<\/li>\n\n\n\n<li>\u092a\u0939\u0932\u0940 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0914\u0930 \u0938\u092c\u0938\u0947 \u0935\u094d\u092f\u093e\u092a\u0915 \u0930\u0942\u092a \u0938\u0947 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f :\u092a\u0940\u092f\u0930-\u091f\u0942-\u092a\u0940\u092f\u0930 \u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u0948\u0936 \u0938\u093f\u0938\u094d\u091f\u092e\u0964<\/strong><\/li>\n\n\n\n<li><strong>\u092e\u0941\u0916\u094d\u092f \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901 :<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u0938\u0940\u092e\u093f\u0924 \u0906\u092a\u0942\u0930\u094d\u0924\u093f:<\/strong> \u0915\u0947\u0935\u0932 21 \u092e\u093f\u0932\u093f\u092f\u0928 \u092c\u093f\u091f\u0915\u0949\u0907\u0928\u0964<\/li>\n\n\n\n<li><strong>\u092a\u094d\u0930\u0942\u092b \u0911\u092b \u0935\u0930\u094d\u0915 (PoW):<\/strong> \u0932\u0947\u0928\u0926\u0947\u0928 \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u0942\u092b-\u0911\u092b-\u0935\u0930\u094d\u0915 \u0916\u0928\u0928 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>B. \u090f\u0925\u0947\u0930\u093f\u092f\u092e (ETH)<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2015 \u092e\u0947\u0902 \u0935\u093f\u091f\u093e\u0932\u093f\u0915 \u092c\u094d\u092f\u0942\u091f\u0947\u0930\u093f\u0928 \u0926\u094d\u0935\u093e\u0930\u093e \u0936\u0941\u0930\u0942 \u0915\u093f\u092f\u093e \u0917\u092f\u093e\u0964<\/li>\n\n\n\n<li>\u092f\u0939 \u0915\u0947\u0935\u0932 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0928\u0939\u0940\u0902 \u0939\u0948, \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u090f\u092a\u094d\u0932\u093f\u0915\u0947\u0936\u0928 (\u0921\u0940\u090f\u092a\u0940) \u092c\u0928\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0915\u0949\u0928\u094d\u091f\u094d\u0930\u0948\u0915\u094d\u091f\u094d\u0938<\/strong>: \u0938\u094d\u0935-\u0915\u093e\u0930\u094d\u092f\u093e\u0924\u094d\u092e\u0915 \u0915\u0949\u0928\u094d\u091f\u094d\u0930\u0948\u0915\u094d\u091f\u094d\u0938 \u091c\u093f\u0928\u092e\u0947\u0902 \u092a\u0942\u0930\u094d\u0935\u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0928\u093f\u092f\u092e \u0915\u094b\u0921 \u092e\u0947\u0902 \u0932\u093f\u0916\u0947 \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u090f\u092a\u094d\u0932\u093f\u0915\u0947\u0936\u0928 (dApps)<\/strong>: \u090f\u092a\u094d\u0932\u093f\u0915\u0947\u0936\u0928 \u091c\u094b \u090f\u0925\u0947\u0930\u093f\u092f\u092e \u0915\u0947 \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u092a\u0930 \u091a\u0932\u0924\u0940 \u0939\u0948\u0902\u0964&nbsp;&nbsp;<\/li>\n\n\n\n<li><strong>\u092a\u094d\u0930\u094b\u0917\u094d\u0930\u093e\u092e\u0947\u092c\u0932 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928<\/strong>: \u0921\u0947\u0935\u0932\u092a\u0930\u094d\u0938 \u0915\u094b \u091f\u094b\u0915\u0928, NFTs \u0914\u0930 \u091c\u091f\u093f\u0932 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0909\u092a\u0915\u0930\u0923 \u092c\u0928\u093e\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0926\u0947\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Ether (ETH): The Cryptocurrency<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u090f\u0925\u0947\u0930\u093f\u092f\u092e \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u0915\u0940 \u092e\u0942\u0932 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940\u0964<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0909\u092a\u092f\u094b\u0917 :<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0935\u093f\u0924\u094d\u0924 (DeFi), NFTs, \u0917\u0947\u092e\u093f\u0902\u0917 \u0914\u0930 \u092e\u0947\u091f\u093e\u0935\u0930\u094d\u0938, \u0906\u092a\u0942\u0930\u094d\u0924\u093f \u0936\u094d\u0930\u0943\u0902\u0916\u0932\u093e \u092a\u094d\u0930\u092c\u0902\u0927\u0928, \u0914\u0930 \u091f\u094b\u0915\u0928 \u0928\u093f\u0930\u094d\u092e\u093e\u0923\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Ethereum 2.0 PoW \u0938\u0947 PoS \u092e\u0947\u0902 \u092c\u0926\u0932\u093e\u0935: \u0938\u093f\u0924\u0902\u092c\u0930 2022 \u092e\u0947\u0902 \u090f\u0925\u0947\u0930\u093f\u092f\u092e \u0928\u0947 PoW \u0938\u0947 PoS (Proof of Stake) \u092e\u0947\u0902 \u0938\u0902\u0915\u094d\u0930\u092e\u0923 \u0915\u093f\u092f\u093e\u0964<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>PoS \u0915\u0947 \u0932\u093e\u092d:<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u090a\u0930\u094d\u091c\u093e \u0916\u092a\u0924 \u092e\u0947\u0902 99% \u0915\u0940 \u0915\u092e\u0940\u0964<\/li>\n\n\n\n<li>\u092c\u0947\u0939\u0924\u0930 \u0938\u094d\u0915\u0947\u0932\u0947\u092c\u093f\u0932\u093f\u091f\u0940, \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0914\u0930 \u0938\u094d\u0925\u093f\u0930\u0924\u093e<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0936\u093e\u0930\u094d\u0921\u093f\u0902\u0917 <\/strong>: \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0915\u094b \u091b\u094b\u091f\u0947 \u092d\u093e\u0917\u094b\u0902 (\u0936\u093e\u0930\u094d\u0921\u094d\u0938) \u092e\u0947\u0902 \u0935\u093f\u092d\u093e\u091c\u093f\u0924 \u0915\u0930\u0915\u0947 \u0932\u0947\u0928\u0926\u0947\u0928 \u0915\u0940 \u0917\u0924\u093f \u092c\u0922\u093c\u093e\u0928\u0947 \u0914\u0930 \u0932\u093e\u0917\u0924 \u0918\u091f\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u093e \u0909\u0928\u094d\u0928\u092f\u0928\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>C. Altcoins<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092a\u0930\u093f\u092d\u093e\u0937\u093e : <\/strong>\u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u0915\u094b \u091b\u094b\u0921\u093c\u0915\u0930 \u0905\u0928\u094d\u092f \u0938\u092d\u0940 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923 : <\/strong>\u0932\u093e\u0907\u091f\u0915\u0949\u0907\u0928 (Litecoin &#8211; LTC), \u0930\u093f\u092a\u0932 (Ripple &#8211; XRP)\u0964<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>D. \u0938\u094d\u0925\u093f\u0930 \u092e\u0941\u0926\u094d\u0930\u093e\u090f\u0901(Stable Coins)&nbsp;<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092a\u0930\u093f\u092d\u093e\u0937\u093e : <\/strong>\u0910\u0938\u0940 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u091c\u094b \u0905\u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0905\u092a\u0928\u0940 \u0935\u0948\u0932\u094d\u092f\u0942 \u0915\u094b \u092b\u093f\u090f\u091f \u092e\u0941\u0926\u094d\u0930\u093e \u092f\u093e \u0938\u094b\u0928\u0947 \u091c\u0948\u0938\u0940 \u0938\u094d\u0925\u093f\u0930 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0938\u0947 \u091c\u094b\u0921\u093c\u0924\u0940 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923 :<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Tether (USDT):<\/strong> \u0905\u092e\u0947\u0930\u093f\u0915\u0940 \u0921\u0949\u0932\u0930 \u0938\u0947 \u091c\u0941\u0921\u093c\u093e\u0964<\/li>\n\n\n\n<li><strong>Dai (DAI):<\/strong> \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0938\u094d\u0925\u093f\u0930 \u092e\u0941\u0926\u094d\u0930\u093e, USD \u0938\u0947 \u091c\u0941\u0921\u093c\u0940\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>E. \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0921\u093f\u091c\u093f\u091f\u0932 \u092e\u0941\u0926\u094d\u0930\u093e (CBDC)<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092a\u0930\u093f\u092d\u093e\u0937\u093e : <\/strong>\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u091c\u093e\u0930\u0940 \u0914\u0930 \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0921\u093f\u091c\u093f\u091f\u0932 \u092e\u0941\u0926\u094d\u0930\u093e, \u091c\u094b \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u093e \u0935\u0948\u0915\u0932\u094d\u092a\u093f\u0915 \u0938\u092e\u093e\u0927\u093e\u0928 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923 : <\/strong>2022 \u092e\u0947\u0902 \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI) \u0928\u0947 \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0941\u092a\u092f\u0947 (e\u20b9) \u0915\u094b \u092a\u093e\u092f\u0932\u091f \u092a\u094d\u0930\u094b\u091c\u0947\u0915\u094d\u091f \u0915\u0947 \u0924\u0939\u0924 \u0932\u0949\u0928\u094d\u091a \u0915\u093f\u092f\u093e\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f : <\/strong>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0915\u0947 \u0932\u093e\u092d\u094b\u0902 \u0915\u094b \u0938\u0930\u0915\u093e\u0930\u0940 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0915\u0947 \u0938\u093e\u0925 \u091c\u094b\u0921\u093c\u0928\u093e\u0964<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-left\"><strong>\u0928\u0949\u0928-\u092b\u0902\u091c\u093f\u092c\u0932 \u091f\u094b\u0915\u0928 (NFTs)<\/strong><\/h4>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>NFTs \u0915\u094d\u092f\u093e \u0939\u0948\u0902?<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0928\u0949\u0928-\u092b\u0902\u091c\u093f\u092c\u0932 \u091f\u094b\u0915\u0928 (NFTs) \u090f\u0915 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0940 \u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0939\u0948 \u091c\u094b \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092a\u0930 \u0915\u093f\u0938\u0940 \u0905\u0926\u094d\u0935\u093f\u0924\u0940\u092f \u0935\u0938\u094d\u0924\u0941 \u092f\u093e \u0938\u093e\u092e\u0917\u094d\u0930\u0940 \u0915\u0947 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u092f\u093e \u092a\u094d\u0930\u093e\u092e\u093e\u0923\u093f\u0915\u0924\u093e \u0915\u0947 \u092a\u094d\u0930\u092e\u093e\u0923 \u0915\u093e \u092a\u094d\u0930\u0924\u093f\u0928\u093f\u0927\u093f\u0924\u094d\u0935 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/strong><\/li>\n\n\n\n<li>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 (\u091c\u0948\u0938\u0947 \u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u092f\u093e \u090f\u0925\u0947\u0930\u093f\u092f\u092e) \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, \u091c\u094b \u092b\u0902\u091c\u0940\u092c\u0932 (\u0935\u093f\u0928\u093f\u092e\u0947\u092f) \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 NFT \u0905\u0926\u094d\u0935\u093f\u0924\u0940\u092f \u092f\u093e \u090f\u0915\u0932 \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092f\u0939 \u0928\u0949\u0928-\u092b\u0902\u091c\u0940\u092c\u0932 \u092c\u0928 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>NFTs \u0915\u0940 \u092e\u0941\u0916\u094d\u092f \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901:<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0905\u0926\u094d\u0935\u093f\u0924\u0940\u092f\u0924\u093e <\/strong>: \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 NFT \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u0939\u094b\u0924\u093e \u0939\u0948 \u0914\u0930 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0915\u093f\u0938\u0940 \u0935\u093f\u0936\u0947\u0937 \u0921\u093f\u091c\u093f\u091f\u0932 \u092f\u093e \u092d\u094c\u0924\u093f\u0915 \u0938\u093e\u092e\u0917\u094d\u0930\u0940 (\u091c\u0948\u0938\u0947 \u0915\u0932\u093e, \u0938\u0902\u0917\u0940\u0924, \u0935\u0940\u0921\u093f\u092f\u094b, \u0915\u0932\u0947\u0915\u094d\u091f\u093f\u092c\u0932\u094d\u0938, \u092f\u093e \u091f\u094d\u0935\u0940\u091f) \u0938\u0947 \u091c\u0941\u0921\u093c\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0905\u0916\u0902\u0921\u0924\u093e <\/strong>: \u0909\u0928\u094d\u0939\u0947\u0902 \u0938\u0902\u092a\u0942\u0930\u094d\u0923 \u0907\u0915\u093e\u0907\u092f\u094b\u0902 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0916\u0930\u0940\u0926\u093e, \u092c\u0947\u091a\u093e \u0914\u0930 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0914\u0930 \u092a\u094d\u0930\u093e\u092e\u093e\u0923\u093f\u0915\u0924\u093e <\/strong>: \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092a\u0930 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u094b \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u0940 \u092a\u094d\u0930\u093e\u092e\u093e\u0923\u093f\u0915\u0924\u093e \u0914\u0930 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0907\u0924\u093f\u0939\u093e\u0938 \u0915\u094b \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>NFTs \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902?<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>NFTs \u0915\u094b \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092a\u0930 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0915\u0930\u0915\u0947 \u0921\u093f\u091c\u093f\u091f\u0932 \u092b\u093e\u0907\u0932\u094b\u0902 (\u091c\u0948\u0938\u0947 \u091b\u0935\u093f\u092f\u093e\u0901, \u0935\u0940\u0921\u093f\u092f\u094b, \u0938\u0902\u0917\u0940\u0924) \u0915\u094b NFTs \u092e\u0947\u0902 \u092c\u0926\u0932\u0928\u0947 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b <strong>\u092e\u093f\u0902\u091f\u093f\u0902\u0917<\/strong> \u0915\u0939\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0905\u0927\u093f\u0915\u093e\u0902\u0936 NFTs \u090f\u0925\u0947\u0930\u093f\u092f\u092e \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092a\u0930 \u092e\u093f\u0902\u091f \u0915\u093f\u090f \u091c\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li>\u0905\u0928\u094d\u092f \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928: Binance Smart Chain, Solana, Flow\u0964<\/li>\n\n\n\n<li><strong>\u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0915\u0949\u0928\u094d\u091f\u094d\u0930\u0948\u0915\u094d\u091f\u094d\u0938:<\/strong> \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0915\u0949\u0928\u094d\u091f\u094d\u0930\u0948\u0915\u094d\u091f\u094d\u0938 NFTs \u0915\u0940 \u092c\u093f\u0915\u094d\u0930\u0940, \u0938\u094d\u0925\u093e\u0928\u093e\u0902\u0924\u0930\u0923, \u0914\u0930 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0928\u092e\u0947\u0902 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u092b\u0940\u091a\u0930\u094d\u0938, \u091c\u0948\u0938\u0947 \u092a\u0941\u0928\u0930\u094d\u0935\u093f\u0915\u094d\u0930\u092f \u092a\u0930 \u0915\u0932\u093e\u0915\u093e\u0930 \u0915\u094b \u0930\u0949\u092f\u0932\u094d\u091f\u0940 \u0915\u093e \u092a\u094d\u0930\u093e\u0935\u0927\u093e\u0928, \u092d\u0940 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>NFTs \u0915\u0947 \u0932\u093e\u092d:<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0930\u091a\u0928\u093e\u0915\u093e\u0930\u094b\u0902 \u0915\u094b \u0938\u0936\u0915\u094d\u0924 \u092c\u0928\u093e\u0928\u093e:<\/strong> \u0915\u0932\u093e\u0915\u093e\u0930\u094b\u0902, \u0938\u0902\u0917\u0940\u0924\u0915\u093e\u0930\u094b\u0902 \u0914\u0930 \u0921\u0947\u0935\u0932\u092a\u0930\u094d\u0938 \u0915\u094b \u092c\u093f\u091a\u094c\u0932\u093f\u092f\u094b\u0902 \u0915\u0947 \u092c\u093f\u0928\u093e \u0938\u0940\u0927\u0947 \u0905\u092a\u0928\u0940 \u0915\u0943\u0924\u093f\u092f\u094b\u0902 \u0915\u093e \u092e\u0941\u0926\u094d\u0930\u0940\u0915\u0930\u0923 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0914\u0930 \u092a\u094d\u0930\u093e\u092e\u093e\u0923\u093f\u0915\u0924\u093e <\/strong>: \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0914\u0930 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u0947 \u0907\u0924\u093f\u0939\u093e\u0938 \u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u092c\u0928\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0930\u0949\u092f\u0932\u094d\u091f\u0940 : <\/strong>\u0915\u0932\u093e\u0915\u093e\u0930 \u0915\u094b \u0909\u0928\u0915\u0940 \u0915\u0943\u0924\u093f \u0915\u0947 \u092a\u0941\u0928\u0930\u094d\u0935\u093f\u0915\u094d\u0930\u092f \u092a\u0930 \u0930\u0949\u092f\u0932\u094d\u091f\u0940 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>&nbsp;NFTs \u0915\u0940 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901 \u0914\u0930 \u0906\u0932\u094b\u091a\u0928\u093e\u090f\u0901:<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u092a\u094d\u0930\u092d\u093e\u0935<\/strong><\/li>\n\n\n\n<li><strong>\u092c\u093e\u091c\u093c\u093e\u0930 \u0938\u091f\u094d\u091f\u093e<\/strong><\/li>\n\n\n\n<li><strong>\u0915\u0949\u092a\u0940\u0930\u093e\u0907\u091f \u0938\u092e\u0938\u094d\u092f\u093e\u090f\u0901 <\/strong>:\u0915\u0932\u093e\u0915\u093e\u0930\u094b\u0902 \u0915\u0940 \u0938\u0939\u092e\u0924\u093f \u0915\u0947 \u092c\u093f\u0928\u093e \u0909\u0928\u0915\u0940 \u0915\u0943\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u091f\u094b\u0915\u0928\u093e\u0907\u091c \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0915\u0949\u092a\u0940\u0930\u093e\u0907\u091f \u0909\u0932\u094d\u0932\u0902\u0918\u0928 \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u0938\u093e\u092e\u0928\u0947 \u0906\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0914\u0930 \u0918\u094b\u091f\u093e\u0932\u0947 <\/strong>: \u0928\u0915\u0932\u0940 NFT \u0932\u093f\u0938\u094d\u091f\u093f\u0902\u0917 \u0914\u0930 \u091a\u094b\u0930\u0940 \u0915\u0940 \u0917\u0908 \u0915\u0943\u0924\u093f\u092f\u093e\u0901, \u091c\u093f\u0938\u0938\u0947 \u0916\u0930\u0940\u0926\u093e\u0930 \u0914\u0930 \u0915\u0932\u093e\u0915\u093e\u0930 \u0926\u094b\u0928\u094b\u0902 \u0915\u094b \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#0270ba59;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u0905\u0928\u0941\u092a\u094d\u0930\u092f\u094b\u0917<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u0905\u0928\u0941\u092a\u094d\u0930\u092f\u094b\u0917<\/strong><\/td><td><strong>\u0935\u093f\u0935\u0930\u0923<\/strong><\/td><td><strong>\u0909\u0926\u093e\u0939\u0930\u0923<\/strong><\/td><\/tr><tr><td rowspan=\"4\"><br><strong>\u0935\u093f\u0924\u094d\u0924 \u0914\u0930 \u092c\u0948\u0902\u0915\u093f\u0902\u0917<\/strong><\/td><td><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u092d\u0941\u0917\u0924\u093e\u0928: <\/strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0924\u0947\u091c\u093c, \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924, \u0914\u0930 \u0915\u092e \u0932\u093e\u0917\u0924 \u0935\u093e\u0932\u0947 \u0938\u0940\u092e\u093e-\u092a\u093e\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u094b \u0938\u0915\u094d\u0937\u092e \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\u0964<\/td><td>Bitcoin (BTC), Litecoin (LTC)<\/td><\/tr><tr><td><strong>\u092a\u094d\u0930\u0947\u0937\u0923&nbsp; <\/strong>:\u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u092c\u093f\u0928\u093e \u0909\u091a\u094d\u091a \u0936\u0941\u0932\u094d\u0915 \u0914\u0930 \u0926\u0947\u0930\u0940 \u0915\u0947 \u0938\u0940\u092e\u093e-\u092a\u093e\u0930 \u092a\u0948\u0938\u093e \u092d\u0947\u091c\u0928\u0947 \u092e\u0947\u0902 \u0938\u0915\u094d\u0937\u092e \u092c\u0928\u093e\u0924\u0940 \u0939\u0948, \u0916\u093e\u0938\u0915\u0930 \u0915\u092e \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0941\u0935\u093f\u0927\u093e\u0913\u0902 \u0935\u093e\u0932\u0947 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902\u0964<\/td><td>Ripple (XRP), Stellar (XLM)<\/td><\/tr><tr><td><strong>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0935\u093f\u0924\u094d\u0924&nbsp; (DeFi)<\/strong>: \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940-\u0906\u0927\u093e\u0930\u093f\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0947\u0935\u093e\u090f\u0902, \u091c\u0948\u0938\u0947 &#8211; \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u092f\u093e \u092c\u093f\u091a\u094c\u0932\u093f\u092f\u094b\u0902 \u0915\u0947 \u092c\u093f\u0928\u093e \u0909\u0927\u093e\u0930 \u0926\u0947\u0928\u093e, \u0909\u0927\u093e\u0930 \u0932\u0947\u0928\u093e \u0914\u0930 \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0915\u0930\u0928\u093e\u0964<\/td><td>Uniswap (UNI), Aave (AAVE), Compound (COMP)<\/td><\/tr><tr><td><strong>\u0935\u0948\u0915\u0932\u094d\u092a\u093f\u0915 \u0928\u093f\u0935\u0947\u0936 \u092a\u0930\u093f\u0938\u0902\u092a\u0924\u094d\u0924\u093f:<\/strong>Bitcoin \u0914\u0930 Ethereum \u091c\u0948\u0938\u0940 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094b \u0905\u092c \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0928\u093f\u0935\u0947\u0936 \u0935\u093f\u0915\u0932\u094d\u092a \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0926\u0947\u0916\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964\u0915\u0908 \u0928\u093f\u0935\u0947\u0936\u0915 \u092e\u0941\u0926\u094d\u0930\u093e\u0938\u094d\u092b\u0940\u0924\u093f \u092f\u093e \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u093e\u091c\u093e\u0930 \u0915\u0940 \u0905\u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0938\u0947 \u092c\u091a\u093e\u0935 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u0916\u0930\u0940\u0926\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><td>ZebPay \u0914\u0930 CoinDCX \u091c\u0948\u0938\u0947 \u092a\u094d\u0932\u0947\u091f\u092b\u093e\u0930\u094d\u092e\u094b\u0902 \u092a\u0930 \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917\u0964<\/td><\/tr><tr><td><strong>\u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0915\u0949\u0928\u094d\u091f\u094d\u0930\u0948\u0915\u094d\u091f\u094d\u0938<\/strong><\/td><td>\u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0905\u0928\u0941\u092c\u0902\u0927 \u091c\u094b \u0915\u094b\u0921 \u092e\u0947\u0902 \u0938\u0940\u0927\u0947 \u0932\u093f\u0916\u0947 \u0917\u090f \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0938\u094d\u0935\u092f\u0902 \u0928\u093f\u0937\u094d\u092a\u093e\u0926\u093f\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><td>Ethereum (ETH), Cardano (ADA)<\/td><\/tr><tr><td><strong>\u0928\u0949\u0928-\u092b\u0902\u091c\u093f\u092c\u0932 \u091f\u094b\u0915\u0928 (NFTs)<\/strong><\/td><td>\u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u093e\u0902 \u091c\u094b \u0905\u0926\u094d\u0935\u093f\u0924\u0940\u092f \u0935\u0938\u094d\u0924\u0941\u0913\u0902 (\u0915\u0932\u093e, \u0938\u0902\u0917\u0940\u0924, \u0915\u0932\u0947\u0915\u094d\u091f\u093f\u092c\u0932\u094d\u0938) \u0915\u0947 \u0938\u094d\u0935\u093e\u092e\u093f\u0924\u094d\u0935 \u0915\u093e \u092a\u094d\u0930\u0924\u093f\u0928\u093f\u0927\u093f\u0924\u094d\u0935 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/td><td>Ethereum (ETH), Flow (FLOW)<\/td><\/tr><tr><td><strong>\u0915\u094d\u0930\u093e\u0909\u0921\u092b\u0902\u0921\u093f\u0902\u0917 \u0914\u0930 ICOs<\/strong><\/td><td>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0928\u0908 \u092a\u0930\u093f\u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u092f\u093e \u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u092b\u0902\u0921 \u091c\u0941\u091f\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u093e\u0930\u0902\u092d\u093f\u0915 \u0915\u0949\u0907\u0928 \u092a\u0947\u0936\u0915\u0936 (ICO) \u0914\u0930 \u091f\u094b\u0915\u0928 \u092c\u093f\u0915\u094d\u0930\u0940 \u0915\u094b \u0938\u0915\u094d\u0937\u092e \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\u0964<\/td><td>Ethereum (ETH), Binance Coin (BNB)<\/td><\/tr><tr><td><strong>\u0917\u0947\u092e\u093f\u0902\u0917 \u0914\u0930 \u0935\u0930\u094d\u091a\u0941\u0905\u0932 \u0935\u0938\u094d\u0924\u0941\u090f\u0902<\/strong><\/td><td>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0906\u092d\u093e\u0938\u0940 \u0926\u0941\u0928\u093f\u092f\u093e \u092f\u093e \u0917\u0947\u092e \u092e\u0947\u0902 \u0907\u0928-\u0917\u0947\u092e \u0906\u0907\u091f\u092e, \u0938\u094d\u0915\u093f\u0928 \u0914\u0930 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/td><td>Enjin Coin (ENJ), Decentraland (MANA)<\/td><\/tr><tr><td><strong>\u0938\u092a\u094d\u0932\u093e\u0908 \u091a\u0947\u0928 \u092a\u094d\u0930\u092c\u0902\u0927\u0928<\/strong><\/td><td><strong>\u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0914\u0930 \u091f\u094d\u0930\u0948\u0915\u093f\u0902\u0917:&nbsp; <\/strong>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0909\u0924\u094d\u092a\u093e\u0926\u0928 \u0938\u0947 \u0932\u0947\u0915\u0930 \u0921\u093f\u0932\u0940\u0935\u0930\u0940 \u0924\u0915 \u0935\u0938\u094d\u0924\u0941\u0913\u0902 \u0915\u0940 \u091f\u094d\u0930\u0947\u0938\u092c\u093f\u0932\u093f\u091f\u0940 (Traceability) \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<strong>\u091c\u093e\u0932\u0938\u093e\u091c\u0940 \u0935\u093f\u0930\u094b\u0927\u0940 (Anti-Counterfeiting):<\/strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0938\u093f\u0938\u094d\u091f\u092e \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u091c\u094b \u0909\u0924\u094d\u092a\u093e\u0926\u094b\u0902 \u0915\u0940 \u092a\u094d\u0930\u093e\u092e\u093e\u0923\u093f\u0915\u0924\u093e \u0915\u094b \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964\u0909\u0926\u093e\u0939\u0930\u0923 : <strong>Walmart<\/strong> \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0924\u0915\u0928\u0940\u0915 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0915\u0947 \u0916\u093e\u0926\u094d\u092f \u0906\u092a\u0942\u0930\u094d\u0924\u093f \u0915\u094b \u091f\u094d\u0930\u0948\u0915 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/td><td>VeChain (VET), Waltonchain (WTC)<\/td><\/tr><tr><td><strong>\u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0914\u0930 \u091f\u094d\u0930\u0948\u0915\u093f\u0902\u0917<\/strong><\/td><td>\u092a\u094d\u0930\u093e\u0907\u0935\u0947\u0938\u0940 \u0915\u0949\u0907\u0928\u094d\u0938 \u090f\u0928\u094b\u0928\u093f\u092e\u0938 \u0932\u0947\u0928\u0926\u0947\u0928 \u0915\u0940 \u092a\u0947\u0936\u0915\u0936 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0915\u0940 \u0930\u0915\u094d\u0937\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><td>Monero (XMR), Zcash (ZEC)<\/td><\/tr><tr><td><strong>\u0936\u093e\u0938\u0928<\/strong><\/td><td>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u092a\u0930\u093f\u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0947 \u092d\u0940\u0924\u0930 \u0928\u093f\u0930\u094d\u0923\u092f\u094b\u0902 \u0914\u0930 \u092a\u094d\u0930\u094b\u091f\u094b\u0915\u0949\u0932 \u0909\u0928\u094d\u0928\u092f\u0928 \u092a\u0930 \u092e\u0924\u0926\u093e\u0928 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u091f\u094b\u0915\u0928 \u0915\u093e \u0909\u092a\u092f\u094b\u0917\u0964<\/td><td>Uniswap (UNI), MakerDAO (MKR)<\/td><\/tr><tr><td><strong>\u0930\u093f\u092f\u0932 \u090f\u0938\u094d\u091f\u0947\u091f<\/strong><\/td><td>\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0932\u0947\u0928\u0926\u0947\u0928 \u0915\u094b \u0938\u0915\u094d\u0937\u092e \u0915\u0930\u0928\u093e, \u0930\u093f\u092f\u0932 \u090f\u0938\u094d\u091f\u0947\u091f \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u091f\u094b\u0915\u0928\u093e\u0907\u091c\u093c \u0915\u0930\u0928\u093e \u0914\u0930 \u0938\u0940\u092e\u093e-\u092a\u093e\u0930 \u0938\u094d\u0925\u093e\u0928\u093e\u0902\u0924\u0930\u0923 \u0915\u094b \u0938\u0930\u0932 \u092c\u0928\u093e\u0928\u093e\u0964<\/td><td>Propy (PRO), RealT<\/td><\/tr><tr><td><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u092a\u0939\u091a\u093e\u0928<\/strong><\/td><td><strong>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928-\u0906\u0927\u093e\u0930\u093f\u0924 \u092a\u0939\u091a\u093e\u0928 \u092a\u094d\u0930\u092c\u0902\u0927\u0928:<\/strong> \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0921\u0947\u091f\u093e \u0915\u093e \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924, \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/td><td>SelfKey (KEY), Civic (CVC)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#0270ba59;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0915\u093e \u0909\u092a\u092f\u094b\u0917<\/strong><\/h3>\n\n\n\n<h5 class=\"wp-block-heading\">1. <strong>\u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0928\u093e\u0917\u0930\u093f\u0915 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u093e \u092a\u094d\u0930\u092c\u0902\u0927\u0928:<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u092d\u0942\u092e\u093f \u0930\u093f\u0915\u0949\u0930\u094d\u0921, \u091c\u0928\u0917\u0923\u0928\u093e \u0921\u0947\u091f\u093e, \u091c\u0928\u094d\u092e\/\u092e\u0943\u0924\u094d\u092f\u0941 \u0930\u093f\u0915\u0949\u0930\u094d\u0921, \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0932\u093e\u0907\u0938\u0947\u0902\u0938, \u0906\u092a\u0930\u093e\u0927\u093f\u0915 \u0930\u093f\u0915\u0949\u0930\u094d\u0921, \u0906\u0908\u092a\u0940 \u0930\u091c\u093f\u0938\u094d\u091f\u0930 \u0914\u0930 \u092e\u0924\u0926\u093e\u0924\u093e \u0938\u0942\u091a\u0940 \u091c\u0948\u0938\u0947 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0921\u0947\u091f\u093e \u0915\u094b \u092a\u094d\u0930\u092c\u0902\u0927\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0932\u093e\u092d :<\/strong> \u091c\u093e\u0932\u0938\u093e\u091c\u0940-\u092a\u094d\u0930\u0942\u092b, \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0932\u0947\u091c\u0930 \u092c\u0928\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>2. \u092d\u094d\u0930\u0937\u094d\u091f\u093e\u091a\u093e\u0930 \u0938\u0947 \u0932\u0921\u093c\u093e\u0908<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0938\u0930\u0915\u093e\u0930\u0940 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u094b \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0938\u092d\u0940 \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u093e \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u0914\u0930 \u0935\u093f\u0936\u094d\u0935\u0938\u0928\u0940\u092f \u0907\u0924\u093f\u0939\u093e\u0938 \u092c\u0928\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0932\u093e\u092d :<\/strong>\u0911\u0921\u093f\u091f\u093f\u0902\u0917 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0924\u093e \u0939\u0948, \u092d\u094d\u0930\u0937\u094d\u091f\u093e\u091a\u093e\u0930 \u0915\u094b \u0915\u092e \u0915\u0930\u0924\u093e \u0939\u0948, \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0916\u0930\u0940\u0926 \u0915\u094b \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u092c\u0928\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>3. \u0932\u093e\u0932\u092b\u0940\u0924\u093e\u0936\u093e\u0939\u0940 \u0915\u094b \u0916\u0924\u094d\u092e \u0915\u0930\u0928\u093e<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0938\u0930\u0915\u093e\u0930\u0940 \u0921\u0947\u091f\u093e\u092c\u0947\u0938 \u092e\u0947\u0902 \u0905\u0915\u094d\u0938\u0930 \u0907\u0902\u091f\u0930\u0911\u092a\u0930\u0947\u092c\u093f\u0932\u093f\u091f\u0940 \u0915\u0940 \u0915\u092e\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0921\u0947\u091f\u093e \u0915\u0940 \u092a\u0941\u0928\u0930\u093e\u0935\u0943\u0924\u094d\u0924\u093f, \u0913\u0935\u0930\u0932\u0948\u092a \u0914\u0930 \u0926\u0947\u0930\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0932\u093e\u092d :<\/strong> \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092a\u0941\u0928\u0930\u093e\u0935\u0943\u0924\u094d\u0924\u093f \u0915\u094b \u0938\u092e\u093e\u092a\u094d\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, \u090f\u091c\u0947\u0902\u0938\u093f\u092f\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0921\u0947\u091f\u093e \u0938\u093e\u091d\u093e\u0915\u0930\u0923 \u0915\u094b \u0938\u0941\u0917\u092e \u092c\u0928\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u092a\u094d\u0930\u0936\u093e\u0938\u0928\u093f\u0915 \u0905\u0935\u0930\u094b\u0927\u094b\u0902 \u0915\u094b \u0915\u092e \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>4. \u092a\u0939\u091a\u093e\u0928 \u0914\u0930 \u092d\u0942\u092e\u093f \u0905\u0927\u093f\u0915\u093e\u0930<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u092a\u0939\u091a\u093e\u0928\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u091c\u0948\u0938\u0947 \u091c\u0928\u094d\u092e \u092a\u094d\u0930\u092e\u093e\u0923 \u092a\u0924\u094d\u0930 \u0914\u0930 \u0935\u093f\u0936\u094d\u0935\u0935\u093f\u0926\u094d\u092f\u093e\u0932\u092f \u0915\u0940 \u0921\u093f\u0917\u094d\u0930\u0940 \u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u0938\u0902\u0917\u094d\u0930\u0939\u0940\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0932\u093e\u092d :<\/strong> \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u094b \u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u092c\u0928\u093e\u090f \u0930\u0916\u0924\u0947 \u0939\u0941\u090f \u0905\u092a\u0928\u0947 \u0921\u0947\u091f\u093e \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0907\u0938\u0947 \u0935\u093f\u0936\u094d\u0935 \u0938\u094d\u0924\u0930 \u092a\u0930 \u0938\u093e\u091d\u093e \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0938\u0915\u094d\u0937\u092e \u092c\u0928\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923 :<\/strong> \u0926\u0941\u092c\u0908, \u090f\u0938\u094d\u091f\u094b\u0928\u093f\u092f\u093e, \u091c\u0949\u0930\u094d\u091c\u093f\u092f\u093e \u0914\u0930 \u0938\u094d\u0935\u0940\u0921\u0928 \u091c\u0948\u0938\u0947 \u0926\u0947\u0936 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0905\u0927\u093f\u0915\u093e\u0930\u094b\u0902 \u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>5. \u0915\u0943\u0937\u093f<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0915\u094b \u092c\u0922\u093c\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0916\u093e\u0926\u094d\u092f \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0914\u0930 \u0938\u0902\u0926\u0942\u0937\u0923 \u0915\u094b \u0915\u092e \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0932\u093e\u092d : <\/strong>\u0915\u093f\u0938\u093e\u0928\u094b\u0902 \u0914\u0930 \u0935\u093f\u0924\u0930\u0915\u094b\u0902 \u0915\u094b \u0936\u0940\u0918\u094d\u0930 \u092d\u0941\u0917\u0924\u093e\u0928 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0938\u0902\u091a\u093e\u0932\u0928 \u092e\u0947\u0902 \u0926\u0915\u094d\u0937\u0924\u093e \u0914\u0930 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u0915\u094b \u092c\u0922\u093c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">6<strong>. \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0914\u0930 \u092b\u093e\u0930\u094d\u092e\u093e\u0938\u094d\u092f\u0941\u091f\u093f\u0915\u0932 \u0906\u092a\u0942\u0930\u094d\u0924\u093f \u0936\u094d\u0930\u0943\u0902\u0916\u0932\u093e \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u092e\u0947\u0902 \u0938\u0941\u0927\u093e\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0932\u093e\u092d : <\/strong>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924, \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u0915\u0941\u0936\u0932 \u0939\u0947\u0932\u094d\u0925\u0915\u0947\u092f\u0930 \u0921\u0947\u091f\u093e \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u0938\u092e\u093e\u0927\u093e\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923:<\/strong> \u0928\u0915\u0932\u0940 \u0926\u0935\u093e\u0913\u0902 \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0926\u0935\u093e \u0906\u092a\u0942\u0930\u094d\u0924\u093f \u0936\u094d\u0930\u0943\u0902\u0916\u0932\u093e\u0913\u0902 \u092e\u0947\u0902 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0915\u093e \u0909\u092a\u092f\u094b\u0917\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>7. \u0936\u093e\u0938\u0928 \u0914\u0930 \u0932\u094b\u0915\u0924\u0902\u0924\u094d\u0930<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u092a\u0939\u091a\u093e\u0928 \u092a\u094d\u0930\u092c\u0902\u0927\u0928:<\/strong> \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928-\u0906\u0927\u093e\u0930\u093f\u0924 \u0906\u0908\u0921\u0940 \u0921\u0947\u091f\u093e \u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u091c\u093e\u0932\u0938\u093e\u091c\u0940-\u092a\u094d\u0930\u0942\u092b, \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928-\u0906\u0927\u093e\u0930\u093f\u0924 \u092e\u0924\u0926\u093e\u0928 \u092a\u094d\u0932\u0947\u091f\u092b\u093c\u0949\u0930\u094d\u092e \u0915\u094b \u0938\u0915\u094d\u0937\u092e \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\u0902\u0964&nbsp;<\/li>\n\n\n\n<li>\u0909\u0926\u093e\u0939\u0930\u0923: \u090f\u0938\u094d\u091f\u094b\u0928\u093f\u092f\u093e \u0915\u093e \u0908-\u0930\u0947\u0938\u093f\u0921\u0947\u0902\u0938\u0940 \u092a\u094d\u0930\u094b\u0917\u094d\u0930\u093e\u092e \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0924\u0915\u0928\u0940\u0915 \u0915\u094b \u0936\u093e\u092e\u093f\u0932 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>8. \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0938\u0902\u0930\u0915\u094d\u0937\u0923<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0938\u092a\u094d\u0932\u093e\u0908 \u091a\u0947\u0928 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u092e\u0947\u0902 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0909\u0924\u094d\u092a\u093e\u0926\u094b\u0902 \u0915\u094b \u0909\u0928\u0915\u0940 \u0909\u0924\u094d\u092a\u0924\u094d\u0924\u093f \u0938\u0947 \u0905\u0902\u0924\u093f\u092e \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e \u0924\u0915 \u091f\u094d\u0930\u0948\u0915 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0932\u093e\u092d:<\/strong> \u091c\u0948\u0935\u093f\u0915 \u0914\u0930 \u092b\u0947\u092f\u0930 \u091f\u094d\u0930\u0947\u0921 \u0909\u0924\u094d\u092a\u093e\u0926\u094b\u0902 \u0915\u0940 \u092a\u094d\u0930\u093e\u092e\u093e\u0923\u093f\u0915\u0924\u093e \u0915\u094b \u0938\u0924\u094d\u092f\u093e\u092a\u093f\u0924 \u0915\u0930\u0928\u093e \u0914\u0930 \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0928\u093e\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>9.&nbsp; \u092a\u0930\u094b\u092a\u0915\u093e\u0930 \u0914\u0930 \u0938\u0939\u093e\u092f\u0924\u093e<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0909\u092a\u092f\u094b\u0917:<\/strong> \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0926\u093e\u0928 \u0915\u0947 \u0935\u093f\u0924\u0930\u0923 \u092e\u0947\u0902 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0926\u0941\u0930\u0941\u092a\u092f\u094b\u0917 \u092e\u0947\u0902 \u0915\u092e\u0940 \u0906\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0932\u093e\u092d:<\/strong> \u0917\u0948\u0930-\u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u092e\u0947\u0902 \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u092c\u0922\u093c\u093e\u0928\u093e \u0914\u0930 \u0927\u0928 \u0915\u094b \u0938\u0939\u0940 \u0932\u093e\u092d\u093e\u0930\u094d\u0925\u093f\u092f\u094b\u0902 \u0924\u0915 \u092a\u0939\u0941\u0902\u091a\u093e\u0928\u093e\u0964<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\">10. <strong>\u0915\u094d\u0930\u093e\u0909\u0921\u092b\u0902\u0921\u093f\u0902\u0917<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0909\u092a\u092f\u094b\u0917:<\/strong> \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928-\u0938\u092e\u0930\u094d\u0925\u093f\u0924 \u0915\u094d\u0930\u093e\u0909\u0921\u092b\u0902\u0921\u093f\u0902\u0917 \u0905\u092d\u093f\u092f\u093e\u0928 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 (\u091c\u0948\u0938\u0947, \u092c\u093f\u091f\u0915\u0949\u0907\u0928) \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0932\u093e\u092d:<\/strong> \u0928\u090f \u092a\u094d\u0930\u094b\u091c\u0947\u0915\u094d\u091f\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u0935\u0947\u0936 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0915\u0930\u0928\u093e, \u0926\u093e\u0928 \u0914\u0930 \u092a\u094d\u0930\u094b\u091c\u0947\u0915\u094d\u091f \u092a\u094d\u0930\u0917\u0924\u093f \u0915\u093e \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u091f\u094d\u0930\u0948\u0915\u093f\u0902\u0917\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#0270ba59;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0940 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u091a\u0941\u0928\u094c\u0924\u0940<\/strong><\/td><td><strong>\u0935\u093f\u0935\u0930\u0923<\/strong><\/td><\/tr><tr><td><strong>\u0905\u0938\u094d\u0925\u093f\u0930\u0924\u093e<\/strong><\/td><td>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0947 \u092e\u0942\u0932\u094d\u092f \u092e\u0947\u0902 \u0909\u0924\u093e\u0930-\u091a\u0922\u093c\u093e\u0935 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\u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u0905\u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928\u0940\u092f \u0932\u0947\u0928-\u0926\u0947\u0928<\/strong><\/td><td>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092a\u0930 \u090f\u0915 \u092c\u093e\u0930 \u0932\u0947\u0928-\u0926\u0947\u0928 \u092a\u0942\u0930\u093e \u0939\u094b \u091c\u093e\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926, \u0907\u0938\u0947 \u0930\u0926\u094d\u0926 \u092f\u093e \u092c\u0926\u0932\u093e \u0928\u0939\u0940\u0902 \u091c\u093e \u0938\u0915\u0924\u093e, \u091c\u093f\u0938\u0938\u0947 \u0917\u0932\u0924\u093f\u092f\u094b\u0902 \u092f\u093e \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u092e\u0947\u0902 \u0938\u092e\u0938\u094d\u092f\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u0905\u0928\u093e\u092e\u093f\u0924\u093e<\/strong><strong> <\/strong><strong>\u0914\u0930 \u0906\u092a\u0930\u093e\u0927\u093f\u0915 \u0909\u092a\u092f\u094b\u0917<\/strong><\/td><td>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0940 <strong>\u0905\u0928\u093e\u092e\u093f\u0924\u093e<\/strong> \u0905\u0935\u0948\u0927 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u092f\u094b\u0917 \u0915\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0915\u093e\u0928\u0942\u0928 \u092a\u094d\u0930\u0935\u0930\u094d\u0924\u0928 \u0915\u0947 \u0932\u093f\u090f \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901 \u092c\u0922\u093c\u0924\u0940 \u0939\u0948\u0902\u0964 <br><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u0938\u093f\u0932\u094d\u0915 \u0930\u094b\u0921 \u0921\u093e\u0930\u094d\u0915\u0928\u0947\u091f \u092e\u093e\u0930\u094d\u0915\u0947\u091f\u092a\u094d\u0932\u0947\u0938 \u092a\u0930 \u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0905\u0935\u0948\u0927 \u0926\u0935\u093e\u0913\u0902 \u0914\u0930 \u0939\u0925\u093f\u092f\u093e\u0930\u094b\u0902 \u0915\u0940 \u0916\u0930\u0940\u0926 \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092f\u093e \u0917\u092f\u093e\u0964<\/td><\/tr><tr><td><strong>\u091c\u091f\u093f\u0932\u0924\u093e<\/strong><\/td><td>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0947 \u0935\u0949\u0932\u0947\u091f, \u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0915\u0940\u091c\u093c \u0914\u0930 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0924\u0915\u0928\u0940\u0915 \u0915\u094b \u0938\u092e\u091d\u0928\u093e \u0928\u090f \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u0920\u093f\u0928 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u0935\u0949\u0932\u0947\u091f \u090f\u0915\u094d\u0938\u0947\u0938 \u0916\u094b\u0928\u0947 \u092a\u0930 \u092c\u093f\u0928\u093e \u092c\u0948\u0915\u0905\u092a \u0915\u0940, \u092b\u0902\u0921 \u0938\u094d\u0925\u093e\u092f\u0940 \u0930\u0942\u092a \u0938\u0947 \u0916\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/td><\/tr><tr><td><strong>\u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092a\u094d\u0930\u0923\u093e\u0932\u093f\u092f\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u090f\u0915\u0940\u0915\u0930\u0923<\/strong><\/td><td>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u094d\u0930\u0923\u093e\u0932\u093f\u092f\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u090f\u0915\u0940\u0915\u0930\u0923 \u092e\u0947\u0902 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u094b\u0902 \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0909\u0928\u0915\u0940 \u0909\u092a\u092f\u094b\u0917\u093f\u0924\u093e \u0938\u0940\u092e\u093f\u0924 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/td><\/tr><tr><td><strong>\u092c\u093e\u091c\u093e\u0930 \u0939\u0947\u0930\u092b\u0947\u0930<\/strong><\/td><td>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0940 \u0905\u092a\u0947\u0915\u094d\u0937\u093e\u0915\u0943\u0924 \u0905\u0928\u093f\u092f\u092e\u093f\u0924 \u092a\u094d\u0930\u0915\u0943\u0924\u093f \u0915\u0947 \u0915\u093e\u0930\u0923, &#8220;\u0935\u094d\u0939\u0947\u0932&#8221; \u092f\u093e \u092c\u0921\u093c\u0947 \u0916\u093f\u0932\u093e\u0921\u093c\u093f\u092f\u094b\u0902 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u092c\u093e\u091c\u093e\u0930 \u092e\u0947\u0902 \u0939\u0947\u0930\u092b\u0947\u0930 \u090f\u0915 \u091a\u093f\u0902\u0924\u093e \u0915\u093e \u0935\u093f\u0937\u092f \u0939\u0948\u0964<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#0270ba59;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940<\/strong><\/h3>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u0935\u093f\u0928\u093f\u092f\u092e\u0928 (Regulation) \u0915\u094d\u092f\u094b\u0902 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948?<\/strong><\/h5>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u0906\u0930\u094d\u0925\u093f\u0915 \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093e <\/strong>\u2192\u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917 \u0914\u0930 \u0906\u0924\u0902\u0915\u0935\u093e\u0926 \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923 \u0938\u0947 \u0932\u0921\u093c\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f\u0964<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0930\u0924\u093e:<\/strong>\u2192 \u0905\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u092c\u093e\u091c\u093e\u0930\u094b\u0902 \u0938\u0947 \u092a\u094d\u0930\u0923\u093e\u0932\u0940\u0917\u0924 \u091c\u094b\u0916\u093f\u092e \u0915\u094b \u0930\u094b\u0915\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f<\/li>\n\n\n\n<li><strong>\u0928\u0935\u093e\u091a\u093e\u0930 \u0914\u0930 \u0935\u093f\u0915\u093e\u0938&nbsp; <\/strong>\u2192 \u0938\u094d\u092a\u0937\u094d\u091f \u0928\u093f\u092f\u092e \u0935\u0948\u0927 \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u094b\u0902 \u0914\u0930 \u0928\u093f\u0935\u0947\u0936 \u0915\u094b \u0906\u0915\u0930\u094d\u0937\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ol>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b-\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u093e&nbsp; \u0935\u093f\u0928\u093f\u092f\u092e\u0928&nbsp;<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0940 \u0915\u093e\u0928\u0942\u0928\u0940 \u0938\u094d\u0925\u093f\u0924\u093f :<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b-\u0915\u0930\u0947\u0902\u0938\u0940 \u0935\u0948\u0927\u093e\u0928\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e (Legal Tender) \u0928\u0939\u0940\u0902 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0914\u0930 \u0928\u093f\u0935\u0947\u0936 \u0915\u0947 \u0932\u093f\u090f \u0905\u0928\u0941\u092e\u0924\u093f \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0915\u0930\u093e\u0927\u093e\u0928 : <\/strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u0932\u093e\u092d \u092a\u0930 30% \u0915\u0930 \u0914\u0930 \u090f\u0915 \u0938\u0940\u092e\u093e \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0932\u0947\u0928-\u0926\u0947\u0928 \u092a\u0930 1% \u091f\u0940\u0921\u0940\u090f\u0938 (TDS) \u0932\u0917\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092a\u094d\u0930\u092e\u0941\u0916 \u0928\u093f\u092f\u093e\u092e\u0915 \u0928\u093f\u0915\u093e\u092f:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>RBI:<\/strong> \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094b \u0932\u0947\u0915\u0930 \u091a\u0947\u0924\u093e\u0935\u0928\u093f\u092f\u093e\u0901 \u091c\u093e\u0930\u0940 \u0915\u0930\u0924\u093e \u0939\u0948 \u0914\u0930 \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u0915\u093e \u0906\u0932\u094b\u091a\u0915 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>SEBI:<\/strong> \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u092e\u0947\u0902 \u0938\u0932\u093e\u0939\u0915\u093e\u0930\u0940 \u092d\u0942\u092e\u093f\u0915\u093e\u0964 \u092f\u0926\u093f \u092a\u094d\u0930\u0924\u093f\u092d\u0942\u0924\u093f\u092f\u094b\u0902 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u0930\u094d\u0917\u0940\u0915\u0943\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u094b \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u0915\u094b \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u0930\u0947\u0917\u093e\u0964&nbsp;<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0924\u094d\u0924 \u092e\u0902\u0924\u094d\u0930\u093e\u0932\u092f :<\/strong> \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092a\u0930 \u0915\u0930\u093e\u0927\u093e\u0928 \u0914\u0930 \u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917 \u0928\u093f\u0935\u093e\u0930\u0923 \u0905\u0927\u093f\u0928\u093f\u092f\u092e (PMLA) \u0915\u0947 \u0924\u0939\u0924 \u0905\u0935\u0948\u0927 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u092a\u0930 \u0928\u091c\u093c\u0930 \u0930\u0916\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>RBI \u0915\u093e \u0928\u091c\u0930\u093f\u092f\u093e :<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>2018:<\/strong> \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u0932\u0947\u0928-\u0926\u0947\u0928 \u092a\u0930 \u092c\u0948\u0928 \u0932\u0917\u093e\u092f\u093e \u0917\u092f\u093e\u0964<\/li>\n\n\n\n<li><strong>2020:<\/strong> \u0938\u0941\u092a\u094d\u0930\u0940\u092e \u0915\u094b\u0930\u094d\u091f \u0928\u0947 \u0907\u0938 \u092c\u0948\u0928 \u0915\u094b \u0939\u091f\u093e \u0926\u093f\u092f\u093e\u0964<\/li>\n\n\n\n<li><strong>\u091a\u093f\u0902\u0924\u093e\u090f\u0901 : <\/strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u094b\u0916\u093f\u092e, \u092c\u093e\u091c\u093c\u093e\u0930 \u092e\u0947\u0902 \u0905\u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0914\u0930 \u0930\u0941\u092a\u092f\u0947 \u0915\u0940 \u0938\u093e\u0916 \u0915\u094b \u0928\u0941\u0915\u0938\u093e\u0928\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u0930\u0947\u0902\u0938\u0940 \u092c\u093f\u0932&nbsp; 2021:<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0928\u093f\u091c\u0940 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092a\u0930 \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u0932\u0917\u093e\u0928\u0947 \u0915\u093e \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935\u0964<\/li>\n\n\n\n<li>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0924\u0915\u0928\u0940\u0915 \u0915\u094b \u0905\u0928\u094d\u092f \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0928\u0947 \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928\u0964<\/li>\n\n\n\n<li>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI) \u0915\u0947 \u0924\u0939\u0924 \u090f\u0915 <strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u0930\u0947\u0902\u0938\u0940 (CBDC)<\/strong> \u0935\u093f\u0915\u0938\u093f\u0924 \u0915\u0930\u0928\u0947 \u092a\u0930 \u091c\u094b\u0930\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0935\u0930\u094d\u091a\u0941\u0905\u0932 \u0921\u093f\u091c\u093f\u091f\u0932 \u090f\u0938\u0947\u091f\u094d\u0938<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0935\u0930\u094d\u091a\u0941\u0905\u0932 \u0921\u093f\u091c\u093f\u091f\u0932 \u090f\u0938\u0947\u091f \u0915\u093f\u0938\u0940 \u092d\u0940 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940, \u0915\u094b\u0921, \u0928\u0902\u092c\u0930, \u092f\u093e \u091f\u094b\u0915\u0928 \u0915\u094b \u0938\u0902\u0926\u0930\u094d\u092d\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948 (\u091c\u094b \u092d\u093e\u0930\u0924\u0940\u092f \u092e\u0941\u0926\u094d\u0930\u093e \u092f\u093e \u0935\u093f\u0926\u0947\u0936\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0928\u0939\u0940\u0902 \u0939\u0948), \u091c\u093f\u0938\u0947 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u093f\u0915 \u0924\u0930\u0940\u0915\u094b\u0902 \u092f\u093e \u0905\u0928\u094d\u092f \u092e\u093e\u0927\u094d\u092f\u092e\u094b\u0902 \u0938\u0947 \u092c\u0928\u093e\u092f\u093e \u0917\u092f\u093e \u0939\u094b \u0914\u0930 \u0907\u0938\u0947 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0928\u093e\u092e \u0938\u0947 \u092c\u0941\u0932\u093e\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 (\u091c\u0948\u0938\u0947 \u092c\u093f\u091f\u0915\u0949\u0907\u0928)<\/strong><\/li>\n\n\n\n<li><strong>\u0928\u0949\u0928-\u092b\u0902\u091c\u093f\u092c\u0932 \u091f\u094b\u0915\u0928 (NFTs)<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>\u0935\u0930\u094d\u091a\u0941\u0905\u0932 \u0921\u093f\u091c\u093f\u091f\u0932 \u090f\u0938\u0947\u091f\u094d\u0938 \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u0932\u0947\u0928-\u0926\u0947\u0928 <strong>PMLA<\/strong> \u0915\u0947 \u0924\u0939\u0924 \u0906\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0905\u0935\u0948\u0927 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u0914\u0930 \u0927\u0928\u0936\u094b\u0927\u0928 \u092a\u0930 \u0928\u093f\u0917\u0930\u093e\u0928\u0940 \u0930\u0916\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<strong>Extra<\/strong> : <strong>\u0935\u093f\u0924\u094d\u0924 \u0935\u093f\u0927\u0947\u092f\u0915 2022<\/strong> \u092e\u0947\u0902 VDA (\u0935\u0930\u094d\u091a\u0941\u0905\u0932 \u0921\u093f\u091c\u093f\u091f\u0932 \u090f\u0938\u0947\u091f\u094d\u0938) \u0915\u093e \u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935 \u0915\u093f\u092f\u093e \u0917\u092f\u093e, \u0924\u093e\u0915\u093f VDAs \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0915\u0930\u093e\u0927\u093e\u0928 \u0914\u0930 \u0915\u0930 \u0915\u0940 \u0930\u094b\u0915\u0925\u093e\u092e (Withholding of tax) \u0915\u0940 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0940 \u091c\u093e \u0938\u0915\u0947\u0964 1 \u0905\u092a\u094d\u0930\u0948\u0932 2022 \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u0940, VDAs \u0915\u0947 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 \u0938\u0947 \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u0940 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0906\u092f \u092a\u0930 30% (\u0938\u0939\u092f\u094b\u0917 \u0914\u0930 \u0909\u092a\u0915\u0930 \u0938\u0939\u093f\u0924) \u0926\u0930 \u0938\u0947 \u0915\u0930 \u0932\u0917\u093e\u092f\u093e \u091c\u093e\u090f\u0917\u093e\u0964<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0924\u0941\u0932\u0928\u093e&nbsp;<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0905\u092e\u0947\u0930\u093f\u0915\u093e :<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094b <strong>SEC (Securities and Exchange Commission)<\/strong>, <strong>CFTC (Commodity Futures Trading Commission)<\/strong> \u0914\u0930 <strong>FinCEN<\/strong> \u091c\u0948\u0938\u0947 \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u093f\u092f\u093e\u092e\u0915\u0940\u092f \u0928\u093f\u0915\u093e\u092f\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948<\/li>\n\n\n\n<li>&nbsp;\u092a\u0942\u0902\u091c\u0940\u0917\u0924 \u0932\u093e\u092d \u0915\u0930 \u0915\u0947 \u0938\u093e\u0925 <strong>\u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u0930<\/strong> \u0932\u0917\u093e\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092f\u0942\u0930\u094b\u092a\u0940\u092f \u0938\u0902\u0918 :<\/strong>\n<ul class=\"wp-block-list\">\n<li>&nbsp;\u090f\u0915\u0938\u092e\u093e\u0928 \u0928\u093f\u092f\u092e\u0928 \u0915\u0947 \u0932\u093f\u090f \u092e\u093e\u0930\u094d\u0915\u0947\u091f\u094d\u0938 \u0907\u0928 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b-\u090f\u0938\u0947\u091f\u094d\u0938 (MiCA) \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0935\u093f\u0915\u0938\u093f\u0924 \u0915\u093f\u090f \u0917\u090f \u0939\u0948\u0902\u0964&nbsp;<\/li>\n\n\n\n<li>\u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0926\u0947\u0936\u094b\u0902 \u092e\u0947\u0902 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u092a\u0930 \u0915\u0930\u093e\u0927\u093e\u0928 \u0915\u0947 \u0924\u0930\u0940\u0915\u0947 \u0905\u0932\u0917-\u0905\u0932\u0917 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u091c\u093e\u092a\u093e\u0928 :<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094b \u0915\u093e\u0928\u0942\u0928\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092e\u093e\u0928\u094d\u092f\u0924\u093e \u0926\u0940 \u0917\u0908 \u0939\u0948, \u091c\u094b \u0915\u093f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0947\u0935\u093e \u090f\u091c\u0947\u0902\u0938\u0940 (FSA) \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964&nbsp;<\/li>\n\n\n\n<li>\u0932\u093e\u092d\u094b\u0902 \u092a\u0930 \u092a\u094d\u0930\u0917\u0924\u093f\u0936\u0940\u0932 \u0915\u0930\u093e\u0927\u093e\u0928 (15%-55%) \u0932\u093e\u0917\u0942 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092a\u094d\u0930\u092e\u0941\u0916 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>WazirX: <\/strong>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u0947 \u0914\u0930 \u0938\u092c\u0938\u0947 \u0932\u094b\u0915\u092a\u094d\u0930\u093f\u092f \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c\u094b\u0902 \u092e\u0947\u0902 \u0938\u0947 \u090f\u0915\u0964 \u092c\u093f\u091f\u0915\u0949\u0907\u0928, \u090f\u0925\u0947\u0930\u093f\u092f\u092e, \u0930\u093f\u092a\u0932 \u0906\u0926\u093f \u091c\u0948\u0938\u0940 \u092a\u094d\u0930\u092e\u0941\u0916 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092e\u0947\u0902 \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917 \u0915\u0940 \u092a\u0947\u0936\u0915\u0936 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0905\u0928\u094d\u092f \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c \u091c\u0948\u0938\u0947 CoinDCX, CoinSwitch Kuber, ZebPay, Unocoin, Bitbns, \u0914\u0930 Koine \u092d\u0940 \u0938\u0915\u094d\u0930\u093f\u092f \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a\u094d\u0938 \u090f\u0935\u092e\u094d \u0928\u0935\u093e\u091a\u093e\u0930&nbsp;&nbsp;<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092a\u0949\u0932\u0940\u0917\u0949\u0928 (\u092a\u0939\u0932\u0947 \u092e\u0947\u091f\u093f\u0915 \u0928\u0947\u091f\u0935\u0930\u094d\u0915)<\/strong>: \u090f\u0915 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0938\u094d\u0915\u0947\u0932\u093f\u0902\u0917 \u0938\u092e\u093e\u0927\u093e\u0928 \u091c\u093f\u0938\u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u090f\u0925\u0947\u0930\u093f\u092f\u092e \u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u094b \u0938\u0938\u094d\u0924\u093e \u0914\u0930 \u0924\u0947\u091c\u093c \u092c\u0928\u093e\u0928\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>CoinDCX: <\/strong>\u090f\u0915 \u092a\u094d\u0930\u092e\u0941\u0916 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u090f\u0915\u094d\u0938\u091a\u0947\u0902\u091c \u0939\u0948, \u091c\u094b \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u0916\u0930\u0940\u0926\u0928\u0947, \u092c\u0947\u091a\u0928\u0947 \u0914\u0930 \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0926\u0947\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0907\u0902\u0938\u094d\u091f\u093e\u092e\u094b\u091c\u094b (Instamojo): <\/strong>\u0936\u0941\u0930\u0942 \u092e\u0947\u0902 \u090f\u0915 \u092d\u0941\u0917\u0924\u093e\u0928 \u0917\u0947\u091f\u0935\u0947 \u0925\u093e, \u0905\u092c \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0938\u092e\u093e\u0927\u093e\u0928\u094b\u0902 \u092e\u0947\u0902 \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0915\u0930 \u0930\u0939\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>Unocoin<\/strong>, <strong>Cashaa<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#0270ba59;padding-top:6px;padding-right:6px;padding-bottom:6px;padding-left:6px\"><strong>\u0938\u0947\u0902\u091f\u094d\u0930\u0932 \u092c\u0948\u0902\u0915 \u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u0930\u0947\u0902\u0938\u0940 (CBDC)<\/strong><\/h3>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>CBDC \u0915\u094d\u092f\u093e \u0939\u0948?<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CBDC \u0915\u093f\u0938\u0940 \u0926\u0947\u0936 \u0915\u0940 <strong>\u092b\u093f\u090f\u091f \u0915\u0930\u0947\u0902\u0938\u0940<\/strong> \u0915\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0942\u092a \u0939\u0948, \u091c\u093f\u0938\u0947 \u0926\u0947\u0936 \u0915\u0947 <strong>\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915<\/strong> \u0926\u094d\u0935\u093e\u0930\u093e \u091c\u093e\u0930\u0940 \u0914\u0930 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 (\u091c\u0948\u0938\u0947 \u092c\u093f\u091f\u0915\u0949\u0907\u0928)<\/strong> \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, CBDC \u0930\u093e\u091c\u094d\u092f \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u092e\u0930\u094d\u0925\u093f\u0924, \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f \u092c\u0948\u0902\u0915 \u0926\u094d\u0935\u093e\u0930\u093e \u0936\u093e\u0938\u093f\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>\u092a\u094d\u0930\u092e\u0941\u0916 \u0935\u093f\u0915\u093e\u0938 :<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092e\u0908 2020:<\/strong> \u091a\u0940\u0928 \u0915\u0947 <strong>\u092a\u0940\u092a\u0932\u094d\u0938 \u092c\u0948\u0902\u0915 \u0911\u092b \u091a\u093e\u0907\u0928\u093e (PBC)<\/strong> \u0928\u0947 \u0921\u093f\u091c\u093f\u091f\u0932 \u092f\u0941\u0906\u0928 (Yuan\/Renminbi) \u091c\u093e\u0930\u0940 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u091f\u094d\u0930\u093e\u092f\u0932 \u0936\u0941\u0930\u0942 \u0915\u093f\u092f\u093e, \u091c\u093f\u0938\u0938\u0947 \u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0938\u094d\u0924\u0930 \u092a\u0930 CBDC \u092e\u0947\u0902 \u0930\u0941\u091a\u093f \u092c\u0922\u093c\u0940\u0964<\/li>\n\n\n\n<li><strong>\u0926\u093f\u0938\u0902\u092c\u0930 2021: \u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI)<\/strong> \u0928\u0947 \u0938\u0941\u091d\u093e\u0935 \u0926\u093f\u092f\u093e \u0915\u093f \u092d\u093e\u0930\u0924 \u0915\u094b \u0905\u092a\u0928\u0947 \u092e\u093e\u0907\u0915\u094d\u0930\u094b\u0907\u0915\u094b\u0928\u0949\u092e\u093f\u0915 \u0928\u0940\u0924\u093f \u092a\u0930 \u0921\u093e\u092f\u0928\u0947\u092e\u093f\u0915 \u092a\u094d\u0930\u092d\u093e\u0935 \u0915\u0947 \u0915\u093e\u0930\u0923 \u092c\u0941<strong>\u0928\u093f\u092f\u093e\u0926\u0940 CBDC \u092e\u0949\u0921\u0932<\/strong> \u0938\u0947 \u0936\u0941\u0930\u0941\u0906\u0924 \u0915\u0930\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>CBDC \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930:<\/strong><\/h6>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u0939\u094b\u0932\u0938\u0947\u0932 CBDC<\/strong>: \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0938\u094d\u0925\u093e\u0928\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u0932\u0947\u0928\u0926\u0947\u0928 \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u092f\u094b\u0917\u0964<\/li>\n\n\n\n<li><strong>\u0930\u093f\u091f\u0947\u0932 CBDC<\/strong>: \u0906\u092e \u091c\u0928\u0924\u093e \u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u0932\u092c\u094d\u0927, \u092f\u0939 \u092d\u094c\u0924\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e \u091c\u0948\u0938\u093e \u0939\u094b\u0924\u093e \u0939\u0948 \u0932\u0947\u0915\u093f\u0928 \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0942\u092a \u092e\u0947\u0902\u0964<\/li>\n<\/ol>\n\n\n\n<p><strong>\u0932\u093e\u092d<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0932\u093e\u0917\u0924 \u092e\u0947\u0902 \u092c\u091a\u0924 <\/strong>: \u092d\u094c\u0924\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u0940 \u092a\u094d\u0930\u093f\u0902\u091f\u093f\u0902\u0917 \u0932\u093e\u0917\u0924 \u0914\u0930 \u092a\u0930\u093f\u0935\u0939\u0928 \u0915\u0940 \u092c\u091a\u0924\u0964<\/li>\n\n\n\n<li><strong>\u0928\u0915\u0932\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u092e\u0947\u0902 \u0915\u092e\u0940 <\/strong>: \u0921\u093f\u091c\u093f\u091f\u0932 \u092e\u0941\u0926\u094d\u0930\u093e \u0928\u0915\u0932\u0940 \u0928\u094b\u091f\u094b\u0902 \u0915\u0947 \u091c\u094b\u0916\u093f\u092e \u0915\u094b \u0938\u092e\u093e\u092a\u094d\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u091f\u094d\u0930\u0947\u0938\u093f\u092c\u093f\u0932\u093f\u091f\u0940: <\/strong>\u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u094b \u091f\u094d\u0930\u0948\u0915 \u0915\u0930\u0924\u0940 \u0939\u0948, \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0914\u0930 \u0915\u0930 \u091a\u094b\u0930\u0940 \u0915\u094b \u0918\u091f\u093e\u0924\u0940 \u0939\u0948\u0964\n<ul class=\"wp-block-list\">\n<li><strong>\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u0915\u0930 \u091a\u094b\u0930\u0940 \u0915\u0947 \u0932\u093f\u090f \u0911\u091f\u094b-\u0905\u0932\u0930\u094d\u091f\u094d\u0938\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u092a\u0930 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 <\/strong>: \u0906\u0924\u0902\u0915\u0935\u093e\u0926 \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923 \u0914\u0930 \u0905\u0935\u0948\u0927 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u0915\u0947 \u091c\u094b\u0916\u093f\u092e \u0915\u094b \u0918\u091f\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0924\u0947\u091c\u093c \u092d\u0941\u0917\u0924\u093e\u0928<\/strong>: \u0932\u093e\u092d\u093e\u0930\u094d\u0925\u093f\u092f\u094b\u0902 \u0915\u094b \u0924\u0924\u094d\u0915\u093e\u0932 \u092a\u0948\u0938\u0947 \u0915\u093e \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 (\u091c\u0948\u0938\u0947, \u092a\u0947\u0902\u0936\u0928, \u0938\u092c\u094d\u0938\u093f\u0921\u0940)\u0964<\/li>\n\n\n\n<li><strong>\u092a\u094d\u0930\u094b\u0917\u094d\u0930\u093e\u092e\u0947\u092c\u0932 \u092e\u0941\u0926\u094d\u0930\u093e<\/strong>: \u0916\u0930\u094d\u091a \u0915\u094b \u0938\u094d\u0935\u091a\u093e\u0932\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948 (\u091c\u0948\u0938\u0947, \u091b\u093e\u0924\u094d\u0930 \u090b\u0923 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0938\u092e\u093e\u092f\u094b\u091c\u0928)\u0964<\/li>\n\n\n\n<li><strong>\u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u0938\u0941\u0930\u0915\u094d\u0937\u093e <\/strong>: \u092d\u094c\u0924\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u0947 \u0909\u092a\u092f\u094b\u0917 \u092e\u0947\u0902 \u0915\u092e\u0940 \u0915\u0947 \u0915\u093e\u0930\u0923 \u0935\u093e\u092f\u0930\u0938 \u092b\u0948\u0932\u0928\u0947 \u0915\u093e \u0916\u0924\u0930\u093e \u0915\u092e\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>\u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901 :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0935\u093f\u092d\u093e\u091c\u0928 <\/strong>: \u0917\u094d\u0930\u093e\u092e\u0940\u0923 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u092f\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u093e\u0915\u094d\u0937\u0930\u0924\u093e \u0915\u0940 \u0915\u092e\u0940\u0964<\/li>\n\n\n\n<li><strong>\u0938\u093e\u0907\u092c\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u091c\u094b\u0916\u093f\u092e <\/strong>:&nbsp; \u0938\u093e\u0907\u092c\u0930 \u0939\u092e\u0932\u094b\u0902 \u092f\u093e \u092a\u094d\u0930\u093e\u0915\u0943\u0924\u093f\u0915 \u0906\u092a\u0926\u093e\u0913\u0902 \u0915\u0947 \u092a\u094d\u0930\u0924\u093f \u0938\u0902\u0935\u0947\u0926\u0928\u0936\u0940\u0932\u0964<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-text-align-center has-ast-global-color-6-background-color has-background has-medium-font-size\"><strong>FAQ (Previous year questions)<\/strong><\/p>\n\n\n<style>.kt-accordion-id140792_9fd32a-c9 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:10px;}.kt-accordion-id140792_9fd32a-c9 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:#ffffff;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id140792_9fd32a-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;border-top-left-radius:6px;border-top-right-radius:6px;border-bottom-right-radius:6px;border-bottom-left-radius:6px;background:#f2f2f2;color:#555555;padding-top:14px;padding-right:16px;padding-bottom:14px;padding-left:16px;}.kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#555555;}.kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#555555;}.kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#f2f2f2;}.kt-accordion-id140792_9fd32a-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id140792_9fd32a-c9 .kt-blocks-accordion-header:focus-visible{color:#444444;background:#eeeeee;border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#eeeeee;}.kt-accordion-id140792_9fd32a-c9 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id140792_9fd32a-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:var(--ast-global-color-8);background:#f1ad71;border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}.kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:var(--ast-global-color-8);}.kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:var(--ast-global-color-8);}.kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id140792_9fd32a-c9:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#f1ad71;}@media all and (max-width: 1024px){.kt-accordion-id140792_9fd32a-c9 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id140792_9fd32a-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id140792_9fd32a-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id140792_9fd32a-c9 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id140792_9fd32a-c9 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id140792_9fd32a-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id140792_9fd32a-c9 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id140792_9fd32a-c9 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:10px;}.kt-accordion-id140792_9fd32a-c9 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id140792_9fd32a-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;}.kt-accordion-id140792_9fd32a-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id140792_9fd32a-c9 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id140792_9fd32a-c9 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id140792_9fd32a-c9 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id140792_9fd32a-c9 kt-accordion-has-2-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane140792_af4117-7a\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>&#8216;\u0921\u093f\u091c\u0940\u091f\u0932\u0930\u0942\u092a\u0940 (e \u20b9) \u0915\u094d\u200d\u092f\u093e \u0939\u0948? \u092f\u0939 UPI \u0915\u0948\u0938\u0947 \u092d\u093f\u0928\u094d\u0928 \u0939\u0948?\u00a0<\/strong> (\u0905\u0902\u0915 &#8211; 2 M, 2024)<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<ul class=\"wp-block-list\">\n<li><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0941\u092a\u092f\u093e<\/strong>, \u091c\u093f\u0938\u0947 <strong>e\u20b9<\/strong> \u0915\u0947 \u0928\u093e\u092e \u0938\u0947 \u092d\u0940 \u091c\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u092d\u093e\u0930\u0924 \u0915\u0940 \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 <strong>\u0938\u0947\u0902\u091f\u094d\u0930\u0932 \u092c\u0948\u0902\u0915 \u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u0930\u0947\u0902\u0938\u0940 (CBDC)<\/strong> \u0939\u0948, \u091c\u093f\u0938\u0947 <strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI)<\/strong> \u0926\u094d\u0935\u093e\u0930\u093e \u0936\u0941\u0930\u0942 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964\u00a0<\/li>\n\n\n\n<li>\u092f\u0939 \u092d\u094c\u0924\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0942\u092a \u0939\u0948\u0964<\/li>\n\n\n\n<li>e\u20b9 \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e \u0915\u0947 <strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0935\u0949\u0932\u0947\u091f<\/strong> \u092e\u0947\u0902 \u0938\u0902\u0917\u094d\u0930\u0939\u0940\u0924 \u0939\u094b\u0924\u093e \u0939\u0948 \u0914\u0930 \u0907\u0938\u0915\u093e \u0909\u092a\u092f\u094b\u0917 <strong>\u092a\u0948\u0938\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \/ \u092d\u0947\u091c\u0928\u0947<\/strong> \u092f\u093e <strong>\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0928\u0947<\/strong> \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0924\u0941\u0932\u0928\u093e\u0924\u094d\u092e\u0915 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u0935\u093f\u0936\u0947\u0937\u0924\u093e<\/strong><\/td><td><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0941\u092a\u092f\u093e<\/strong><\/td><td><strong>UPI<\/strong><\/td><\/tr><tr><td><strong>\u092a\u094d\u0930\u0915\u0943\u0924\u093f<\/strong><\/td><td>\u20b9 \u0915\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0942\u092a (CBDC)<\/td><td>\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093e \u092e\u093e\u0927\u094d\u092f\u092e (\u0932\u0947\u0928-\u0926\u0947\u0928 \u092e\u0902\u091a)<\/td><\/tr><tr><td><strong>\u091c\u093e\u0930\u0940\u0915\u0930\u094d\u0924\u093e \/ \u0938\u0902\u091a\u093e\u0932\u0915<\/strong><\/td><td>RBI<\/td><td>NPCI (\u0928\u0947\u0936\u0928\u0932 \u092a\u0947\u092e\u0947\u0902\u091f\u094d\u0938 \u0915\u0949\u0930\u092a\u094b\u0930\u0947\u0936\u0928 \u0911\u092b \u0907\u0902\u0921\u093f\u092f\u093e)<\/td><\/tr><tr><td><strong>\u0930\u0942\u092a\u093e\u0924\u094d\u092e\u0915 \u0938\u094d\u0935\u0930\u0942\u092a<\/strong><\/td><td>\u092e\u0941\u0926\u094d\u0930\u093e-\u091c\u0948\u0938\u093e (\u091f\u094b\u0915\u0928-\u0906\u0927\u093e\u0930\u093f\u0924)<\/td><td>\u092c\u0948\u0902\u0915 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0915\u0947 \u0932\u093f\u090f \u0907\u0902\u091f\u0930\u092b\u093c\u0947\u0938<\/td><\/tr><tr><td><strong>\u0915\u093e\u0928\u0942\u0928\u0940 \u0935\u0948\u0927\u0924\u093e<\/strong><\/td><td>\u0939\u093e\u0901<\/td><td>\u0928\u0939\u0940\u0902 \u2013 \u092f\u0939 \u0915\u093e\u0928\u0942\u0928\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u0947 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0926\u0947\u0924\u093e \u0939\u0948<\/td><\/tr><tr><td><strong>\u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u093e \u092a\u094d\u0930\u0915\u093e\u0930<\/strong><\/td><td>\u0935\u0949\u0932\u0947\u091f-\u091c\u0948\u0938\u093e (\u092e\u0942\u0932\u094d\u092f \u0938\u0902\u091a\u092f \u0915\u093e \u092e\u093e\u0927\u094d\u092f\u092e)<\/td><td>\u092c\u0948\u0902\u0915 \u0938\u0947 \u092c\u0948\u0902\u0915 \u0927\u0928 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane140792_0f5737-14\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\"><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094d\u092f\u093e \u0939\u0948? \u0907\u0938\u0915\u0947 \u092b\u093e\u092f\u0926\u0947 \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928 \u0915\u094d\u092f\u093e \u0939\u0948\u0902?<\/strong> (\u0905\u0902\u0915 &#8211; 5 M, 2021)<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0921\u093f\u091c\u093f\u091f\u0932 \u092f\u093e \u0906\u092d\u093e\u0938\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u093e \u090f\u0915 \u0930\u0942\u092a \u0939\u0948, \u091c\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u093f\u0915 \u0924\u0915\u0928\u0940\u0915\u094b\u0902 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e\u0913\u0902 (\u092b\u093f\u090f\u091f \u0915\u0930\u0947\u0902\u0938\u0940), \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0938\u0930\u0915\u093e\u0930\u0947\u0902 \u091c\u093e\u0930\u0940 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0935\u093f\u0915\u0947\u0928\u094d\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 (\u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u091f\u0947\u0921 \u0932\u0947\u091c\u093c\u0930) \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948 \u0914\u0930 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0924\u0915\u0928\u0940\u0915 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: \u092c\u093f\u091f\u0915\u0949\u0907\u0928, \u0932\u093e\u0907\u091f\u0915\u0949\u0907\u0928, \u0930\u093f\u092a\u0932\u0964<\/p>\n\n\n\n<p><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 = \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u091f\u0947\u0921 \u0932\u0947\u091c\u093c\u0930 + \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928<\/strong><\/p>\n\n\n\n<p>&nbsp;<strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0947 \u0932\u093e\u092d<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0930\u0923 : <\/strong>\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0938\u0930\u0915\u093e\u0930\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930\u0924\u093e \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e : <\/strong>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092e\u0947\u0902 \u0938\u092d\u0940 \u0932\u0947\u0928\u0926\u0947\u0928 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0926\u0930\u094d\u091c \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u092c\u0928\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0909\u092a\u0932\u092c\u094d\u0927\u0924\u093e : <\/strong>\u092c\u093f\u0928\u093e \u092e\u0941\u0926\u094d\u0930\u093e \u0935\u093f\u0928\u093f\u092e\u092f \u0915\u0940 \u092c\u093e\u0927\u093e\u0913\u0902 \u0915\u0947<strong> <\/strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094b \u0926\u0941\u0928\u093f\u092f\u093e \u092e\u0947\u0902 \u0915\u0939\u0940\u0902 \u092d\u0940 \u0909\u092a\u092f\u094b\u0917 \u0914\u0930 \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0924\u0947\u091c \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0921\u093f\u091c\u093f\u091f\u0932 \u092d\u0941\u0917\u0924\u093e\u0928 : <\/strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092c\u093f\u091a\u094c\u0932\u093f\u092f\u094b\u0902 (intermediaries) \u0915\u0947 \u092c\u093f\u0928\u093e \u0924\u0947\u091c, \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u0915\u092e \u0932\u093e\u0917\u0924 \u0935\u093e\u0932\u0947 \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u094b \u0938\u0915\u094d\u0937\u092e \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u092e\u093e\u0935\u0947\u0936\u0928 : <\/strong>\u092f\u0939 \u0909\u0928 \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0947\u0935\u093e\u090f\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948 \u091c\u093f\u0928\u0915\u0940 \u092a\u0939\u0941\u0902\u091a \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0924\u0915 \u0928\u0939\u0940\u0902 \u0939\u0948, \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0935\u093f\u0915\u093e\u0938\u0936\u0940\u0932 \u0926\u0947\u0936\u094b\u0902 \u092e\u0947\u0902\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: \u0908-\u0930\u0942\u092a\u0940 (e-RUPI)<\/li>\n<\/ul>\n\n\n\n<p>&nbsp;<strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0947 \u0928\u0941\u0915\u0938\u093e\u0928<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092e\u0942\u0932\u094d\u092f \u0905\u0938\u094d\u0925\u093f\u0930\u0924\u093e : <\/strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0940 \u0915\u0940\u092e\u0924\u094b\u0902 \u092e\u0947\u0902 \u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u0909\u0924\u093e\u0930-\u091a\u0922\u093c\u093e\u0935 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: 2017 \u092e\u0947\u0902 \u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u0915\u0940 \u0915\u0940\u092e\u0924 \u0932\u0917\u092d\u0917 $20,000 \u0924\u0915 \u092a\u0939\u0941\u0902\u091a \u0917\u0908, \u0932\u0947\u0915\u093f\u0928 2018 \u092e\u0947\u0902 \u092f\u0939 $4,000 \u0938\u0947 \u0928\u0940\u091a\u0947 \u0917\u093f\u0930 \u0917\u0908\u0964<\/li>\n\n\n\n<li><strong>\u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915\u0940\u092f \u0905\u0928\u093f\u0936\u094d\u091a\u093f\u0924\u0924\u093e<\/strong> : \u0915\u0908 \u0938\u0930\u0915\u093e\u0930\u0947\u0902 \u0905\u092d\u0940 \u092d\u0940 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094b \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0924\u0930\u0940\u0915\u094b\u0902 \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930 \u0930\u0939\u0940 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0915\u093e\u0928\u0942\u0928\u0940 \u091c\u094b\u0916\u093f\u092e \u092c\u0922\u093c \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: \u091a\u0940\u0928 \u0928\u0947 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917 \u0914\u0930 \u092e\u093e\u0907\u0928\u093f\u0902\u0917 \u092a\u0930 \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u0932\u0917\u093e \u0926\u093f\u092f\u093e \u0939\u0948, \u091c\u092c\u0915\u093f \u0905\u0932 \u0938\u0932\u094d\u0935\u093e\u0921\u094b\u0930 \u0928\u0947 \u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u0915\u094b \u0915\u093e\u0928\u0942\u0928\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u093f\u092f\u093e \u0939\u0948\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u0906\u0930\u092c\u0940\u0906\u0908 \u0914\u0930 \u0938\u0930\u0915\u093e\u0930 \u0915\u0947 \u092c\u0940\u091a \u0907\u0938\u0915\u0947 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0915\u094b \u0932\u0947\u0915\u0930 \u0938\u0902\u0936\u092f \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0914\u0930 \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u092e\u0947\u0902 \u0909\u092a\u092f\u094b\u0917<\/strong> : \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0940 \u0917\u0941\u092e\u0928\u093e\u092e\u0940 (\u0905\u0928\u0949\u0928\u093f\u092e\u093f\u091f\u0940) \u0915\u0947 \u0915\u093e\u0930\u0923 \u0907\u0938\u0947 \u0905\u0935\u0948\u0927 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u091c\u0948\u0938\u0947 \u0915\u093f \u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917, \u0906\u0924\u0902\u0915\u0935\u093e\u0926 \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923 \u0914\u0930 \u0938\u093e\u0907\u092c\u0930 \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u092e\u0947\u0902 \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0914\u0930 \u0935\u094d\u092f\u0937\u094d\u091f\u093f \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0947 \u0932\u093f\u090f \u0916\u0924\u0930\u093e<\/strong> : \u092f\u0926\u093f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0935\u094d\u092f\u093e\u092a\u0915 \u0930\u0942\u092a \u0938\u0947 \u0905\u092a\u0928\u093e\u0908 \u091c\u093e\u0924\u0940 \u0939\u0948, \u0924\u094b \u092f\u0939 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940, \u0930\u093e\u091c\u0915\u094b\u0937\u0940\u092f \u0928\u0940\u0924\u093f\u092f\u094b\u0902 (\u0915\u0930 \u091a\u094b\u0930\u0940 \u090f\u0935\u092e\u094d \u0905\u092a\u0935\u0902\u091a\u0928\u093e)\u00a0 \u0914\u0930 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u0928\u0940\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u092c\u093e\u0927\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901<\/strong> : \u092a\u094d\u0930\u0942\u092b-\u0911\u092b-\u0935\u0930\u094d\u0915 (PoW) \u0906\u0927\u093e\u0930\u093f\u0924 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940, \u091c\u0948\u0938\u0947 \u0915\u093f \u092c\u093f\u091f\u0915\u0949\u0907\u0928, \u0915\u094b \u092e\u093e\u0907\u0928\u093f\u0902\u0917 \u0915\u0947 \u0932\u093f\u090f \u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u090a\u0930\u094d\u091c\u093e \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u092a\u0930 \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092a\u094d\u0930\u092d\u093e\u0935 \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1752920468101\"><strong class=\"schema-faq-question\"><strong>&#8216;\u0921\u093f\u091c\u0940\u091f\u0932\u0930\u0942\u092a\u0940 (e \u20b9) \u0915\u094d\u200d\u092f\u093e \u0939\u0948? \u092f\u0939 UPI \u0915\u0948\u0938\u0947 \u092d\u093f\u0928\u094d\u0928 \u0939\u0948?\u00a0<\/strong> (\u0905\u0902\u0915 &#8211; 2 M, 2024)<\/strong> <p class=\"schema-faq-answer\"><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0941\u092a\u092f\u093e<\/strong>, \u091c\u093f\u0938\u0947 <strong>e\u20b9<\/strong> \u0915\u0947 \u0928\u093e\u092e \u0938\u0947 \u092d\u0940 \u091c\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u092d\u093e\u0930\u0924 \u0915\u0940 \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 <strong>\u0938\u0947\u0902\u091f\u094d\u0930\u0932 \u092c\u0948\u0902\u0915 \u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u0930\u0947\u0902\u0938\u0940 (CBDC)<\/strong> \u0939\u0948, \u091c\u093f\u0938\u0947 <strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI)<\/strong> \u0926\u094d\u0935\u093e\u0930\u093e \u0936\u0941\u0930\u0942 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964\u00a0<br\/>\u092f\u0939 \u092d\u094c\u0924\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0942\u092a \u0939\u0948\u0964<br\/>e\u20b9 \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e \u0915\u0947 <strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0935\u0949\u0932\u0947\u091f<\/strong> \u092e\u0947\u0902 \u0938\u0902\u0917\u094d\u0930\u0939\u0940\u0924 \u0939\u094b\u0924\u093e \u0939\u0948 \u0914\u0930 \u0907\u0938\u0915\u093e \u0909\u092a\u092f\u094b\u0917 <strong>\u092a\u0948\u0938\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \/ \u092d\u0947\u091c\u0928\u0947<\/strong> \u092f\u093e <strong>\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0928\u0947<\/strong> \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br\/><strong>\u0924\u0941\u0932\u0928\u093e\u0924\u094d\u092e\u0915 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901:<\/strong><br\/><strong>\u0935\u093f\u0936\u0947\u0937\u0924\u093e<\/strong><br\/><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0941\u092a\u092f\u093e<\/strong><br\/><strong>UPI<\/strong><br\/><strong>\u092a\u094d\u0930\u0915\u0943\u0924\u093f<\/strong><br\/>\u20b9 \u0915\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0942\u092a (CBDC)<br\/>\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093e \u092e\u093e\u0927\u094d\u092f\u092e (\u0932\u0947\u0928-\u0926\u0947\u0928 \u092e\u0902\u091a)<br\/><strong>\u091c\u093e\u0930\u0940\u0915\u0930\u094d\u0924\u093e \/ \u0938\u0902\u091a\u093e\u0932\u0915<\/strong><br\/>RBI<br\/>NPCI (\u0928\u0947\u0936\u0928\u0932 \u092a\u0947\u092e\u0947\u0902\u091f\u094d\u0938 \u0915\u0949\u0930\u092a\u094b\u0930\u0947\u0936\u0928 \u0911\u092b \u0907\u0902\u0921\u093f\u092f\u093e)<br\/><strong>\u0930\u0942\u092a\u093e\u0924\u094d\u092e\u0915 \u0938\u094d\u0935\u0930\u0942\u092a<\/strong><br\/>\u092e\u0941\u0926\u094d\u0930\u093e-\u091c\u0948\u0938\u093e (\u091f\u094b\u0915\u0928-\u0906\u0927\u093e\u0930\u093f\u0924)<br\/>\u092c\u0948\u0902\u0915 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0915\u0947 \u0932\u093f\u090f \u0907\u0902\u091f\u0930\u092b\u093c\u0947\u0938<br\/><strong>\u0915\u093e\u0928\u0942\u0928\u0940 \u0935\u0948\u0927\u0924\u093e<\/strong><br\/>\u0939\u093e\u0901<br\/>\u0928\u0939\u0940\u0902 \u2013 \u092f\u0939 \u0915\u093e\u0928\u0942\u0928\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u0947 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0926\u0947\u0924\u093e \u0939\u0948<br\/><strong>\u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u093e \u092a\u094d\u0930\u0915\u093e\u0930<\/strong><br\/>\u0935\u0949\u0932\u0947\u091f-\u091c\u0948\u0938\u093e (\u092e\u0942\u0932\u094d\u092f \u0938\u0902\u091a\u092f \u0915\u093e \u092e\u093e\u0927\u094d\u092f\u092e)<br\/>\u092c\u0948\u0902\u0915 \u0938\u0947 \u092c\u0948\u0902\u0915 \u0927\u0928 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1752920470851\"><strong class=\"schema-faq-question\"><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094d\u092f\u093e \u0939\u0948? \u0907\u0938\u0915\u0947 \u092b\u093e\u092f\u0926\u0947 \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928 \u0915\u094d\u092f\u093e \u0939\u0948\u0902?<\/strong> (\u0905\u0902\u0915 &#8211; 5 M, 2021)<\/strong> <p class=\"schema-faq-answer\">\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0921\u093f\u091c\u093f\u091f\u0932 \u092f\u093e \u0906\u092d\u093e\u0938\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u093e \u090f\u0915 \u0930\u0942\u092a \u0939\u0948, \u091c\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u093f\u0915 \u0924\u0915\u0928\u0940\u0915\u094b\u0902 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<br\/>\u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e\u0913\u0902 (\u092b\u093f\u090f\u091f \u0915\u0930\u0947\u0902\u0938\u0940), \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0938\u0930\u0915\u093e\u0930\u0947\u0902 \u091c\u093e\u0930\u0940 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0935\u093f\u0915\u0947\u0928\u094d\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 (\u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u091f\u0947\u0921 \u0932\u0947\u091c\u093c\u0930) \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948 \u0914\u0930 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0924\u0915\u0928\u0940\u0915 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: \u092c\u093f\u091f\u0915\u0949\u0907\u0928, \u0932\u093e\u0907\u091f\u0915\u0949\u0907\u0928, \u0930\u093f\u092a\u0932\u0964<br\/><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 = \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u091f\u0947\u0921 \u0932\u0947\u091c\u093c\u0930 + \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928<\/strong><br\/>\u00a0<strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0947 \u0932\u093e\u092d<\/strong><br\/><strong>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0930\u0923 : <\/strong>\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0938\u0930\u0915\u093e\u0930\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930\u0924\u093e \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<br\/><strong>\u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e : <\/strong>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092e\u0947\u0902 \u0938\u092d\u0940 \u0932\u0947\u0928\u0926\u0947\u0928 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0926\u0930\u094d\u091c \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u092c\u0928\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<br\/><strong>\u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0909\u092a\u0932\u092c\u094d\u0927\u0924\u093e : <\/strong>\u092c\u093f\u0928\u093e \u092e\u0941\u0926\u094d\u0930\u093e \u0935\u093f\u0928\u093f\u092e\u092f \u0915\u0940 \u092c\u093e\u0927\u093e\u0913\u0902 \u0915\u0947\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094b \u0926\u0941\u0928\u093f\u092f\u093e \u092e\u0947\u0902 \u0915\u0939\u0940\u0902 \u092d\u0940 \u0909\u092a\u092f\u094b\u0917 \u0914\u0930 \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br\/><strong>\u0924\u0947\u091c \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0921\u093f\u091c\u093f\u091f\u0932 \u092d\u0941\u0917\u0924\u093e\u0928 : <\/strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092c\u093f\u091a\u094c\u0932\u093f\u092f\u094b\u0902 (intermediaries) \u0915\u0947 \u092c\u093f\u0928\u093e \u0924\u0947\u091c, \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u0915\u092e \u0932\u093e\u0917\u0924 \u0935\u093e\u0932\u0947 \u0905\u0902\u0924\u0930\u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u094b \u0938\u0915\u094d\u0937\u092e \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\u0964<br\/><strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u092e\u093e\u0935\u0947\u0936\u0928 : <\/strong>\u092f\u0939 \u0909\u0928 \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0938\u0947\u0935\u093e\u090f\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948 \u091c\u093f\u0928\u0915\u0940 \u092a\u0939\u0941\u0902\u091a \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u094b\u0902 \u0924\u0915 \u0928\u0939\u0940\u0902 \u0939\u0948, \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0935\u093f\u0915\u093e\u0938\u0936\u0940\u0932 \u0926\u0947\u0936\u094b\u0902 \u092e\u0947\u0902\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: \u0908-\u0930\u0942\u092a\u0940 (e-RUPI)<br\/>\u00a0<strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0947 \u0928\u0941\u0915\u0938\u093e\u0928<\/strong><br\/><strong>\u092e\u0942\u0932\u094d\u092f \u0905\u0938\u094d\u0925\u093f\u0930\u0924\u093e : <\/strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0940 \u0915\u0940\u092e\u0924\u094b\u0902 \u092e\u0947\u0902 \u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u0909\u0924\u093e\u0930-\u091a\u0922\u093c\u093e\u0935 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: 2017 \u092e\u0947\u0902 \u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u0915\u0940 \u0915\u0940\u092e\u0924 \u0932\u0917\u092d\u0917 $20,000 \u0924\u0915 \u092a\u0939\u0941\u0902\u091a \u0917\u0908, \u0932\u0947\u0915\u093f\u0928 2018 \u092e\u0947\u0902 \u092f\u0939 $4,000 \u0938\u0947 \u0928\u0940\u091a\u0947 \u0917\u093f\u0930 \u0917\u0908\u0964<br\/><strong>\u0935\u093f\u0928\u093f\u092f\u093e\u092e\u0915\u0940\u092f \u0905\u0928\u093f\u0936\u094d\u091a\u093f\u0924\u0924\u093e<\/strong> : \u0915\u0908 \u0938\u0930\u0915\u093e\u0930\u0947\u0902 \u0905\u092d\u0940 \u092d\u0940 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094b \u0935\u093f\u0928\u093f\u092f\u092e\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0924\u0930\u0940\u0915\u094b\u0902 \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930 \u0930\u0939\u0940 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0915\u093e\u0928\u0942\u0928\u0940 \u091c\u094b\u0916\u093f\u092e \u092c\u0922\u093c \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: \u091a\u0940\u0928 \u0928\u0947 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b \u091f\u094d\u0930\u0947\u0921\u093f\u0902\u0917 \u0914\u0930 \u092e\u093e\u0907\u0928\u093f\u0902\u0917 \u092a\u0930 \u092a\u094d\u0930\u0924\u093f\u092c\u0902\u0927 \u0932\u0917\u093e \u0926\u093f\u092f\u093e \u0939\u0948, \u091c\u092c\u0915\u093f \u0905\u0932 \u0938\u0932\u094d\u0935\u093e\u0921\u094b\u0930 \u0928\u0947 \u092c\u093f\u091f\u0915\u0949\u0907\u0928 \u0915\u094b \u0915\u093e\u0928\u0942\u0928\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u093f\u092f\u093e \u0939\u0948\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u0906\u0930\u092c\u0940\u0906\u0908 \u0914\u0930 \u0938\u0930\u0915\u093e\u0930 \u0915\u0947 \u092c\u0940\u091a \u0907\u0938\u0915\u0947 \u0935\u093f\u0928\u093f\u092f\u092e\u0928 \u0915\u094b \u0932\u0947\u0915\u0930 \u0938\u0902\u0936\u092f \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0939\u0948\u0902\u0964<br\/><strong>\u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0914\u0930 \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u092e\u0947\u0902 \u0909\u092a\u092f\u094b\u0917<\/strong> : \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0940 \u0917\u0941\u092e\u0928\u093e\u092e\u0940 (\u0905\u0928\u0949\u0928\u093f\u092e\u093f\u091f\u0940) \u0915\u0947 \u0915\u093e\u0930\u0923 \u0907\u0938\u0947 \u0905\u0935\u0948\u0927 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u091c\u0948\u0938\u0947 \u0915\u093f \u092e\u0928\u0940 \u0932\u0949\u0928\u094d\u0921\u094d\u0930\u093f\u0902\u0917, \u0906\u0924\u0902\u0915\u0935\u093e\u0926 \u0935\u093f\u0924\u094d\u0924\u092a\u094b\u0937\u0923 \u0914\u0930 \u0938\u093e\u0907\u092c\u0930 \u0905\u092a\u0930\u093e\u0927\u094b\u0902 \u092e\u0947\u0902 \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br\/><strong>\u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0914\u0930 \u0935\u094d\u092f\u0937\u094d\u091f\u093f \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0947 \u0932\u093f\u090f \u0916\u0924\u0930\u093e<\/strong> : \u092f\u0926\u093f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0935\u094d\u092f\u093e\u092a\u0915 \u0930\u0942\u092a \u0938\u0947 \u0905\u092a\u0928\u093e\u0908 \u091c\u093e\u0924\u0940 \u0939\u0948, \u0924\u094b \u092f\u0939 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0930\u0923\u093e\u0932\u0940, \u0930\u093e\u091c\u0915\u094b\u0937\u0940\u092f \u0928\u0940\u0924\u093f\u092f\u094b\u0902 (\u0915\u0930 \u091a\u094b\u0930\u0940 \u090f\u0935\u092e\u094d \u0905\u092a\u0935\u0902\u091a\u0928\u093e)\u00a0 \u0914\u0930 \u092e\u094c\u0926\u094d\u0930\u093f\u0915 \u0928\u0940\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u092c\u093e\u0927\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<br\/><strong>\u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901<\/strong> : \u092a\u094d\u0930\u0942\u092b-\u0911\u092b-\u0935\u0930\u094d\u0915 (PoW) \u0906\u0927\u093e\u0930\u093f\u0924 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940, \u091c\u0948\u0938\u0947 \u0915\u093f \u092c\u093f\u091f\u0915\u0949\u0907\u0928, \u0915\u094b \u092e\u093e\u0907\u0928\u093f\u0902\u0917 \u0915\u0947 \u0932\u093f\u090f \u0905\u0924\u094d\u092f\u0927\u093f\u0915 \u090a\u0930\u094d\u091c\u093e \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u092a\u0930 \u0928\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092a\u094d\u0930\u092d\u093e\u0935 \u092a\u0921\u093c\u0924\u093e \u0939\u0948\u0964<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u090f\u0915 \u0921\u093f\u091c\u093f\u091f\u0932 \u092f\u093e \u0935\u0930\u094d\u091a\u0941\u0905\u0932 \u092e\u0941\u0926\u094d\u0930\u093e \u0939\u0948, \u091c\u094b \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u0940 \u0924\u0915\u0928\u0940\u0915 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964 \u092a\u094d\u0930\u094c\u0926\u094d\u092f\u094b\u0917\u093f\u0915\u0940 \u0915\u0947 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092e\u0947\u0902 \u092f\u0939 \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0928\u0935\u093e\u091a\u093e\u0930 \u0939\u0948, \u091c\u094b \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u094b \u091a\u0941\u0928\u094c\u0924\u0940 \u0926\u0947 \u0930\u0939\u093e \u0939\u0948\u0964 \u0907\u0938\u092e\u0947\u0902 \u0932\u0947\u0928\u0926\u0947\u0928 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0928\u093e\u092e\u0915 \u0924\u0915\u0928\u0940\u0915 \u092a\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u0907\u0938\u0947 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0940 \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092c\u0928\u093e\u0924\u0947 \u0939\u0948\u0902\u0964 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u092a\u0930\u093f\u092d\u093e\u0937\u093e : \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u090f\u0915 [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"parent":70889,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"right-sidebar","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-140792","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 - Connect Civils<\/title>\n<meta name=\"description\" content=\"\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940, \u092e\u0941\u0916\u094d\u092f \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901, \u0907\u0924\u093f\u0939\u093e\u0938 \u0914\u0930 \u0935\u093f\u0915\u093e\u0938, \u0932\u094b\u0915\u092a\u094d\u0930\u093f\u092f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940: \u092c\u093f\u091f\u0915\u0949\u0907\u0928, \u090f\u0925\u0947\u0930\u093f\u092f\u092e, \u0911\u0932\u094d\u091f\u0915\u0949\u0907\u0928\u094d\u0938, \u0938\u094d\u091f\u0947\u092c\u0932\u0915\u0949\u0907\u0928\u094d\u0938\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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\u0911\u0932\u094d\u091f\u0915\u0949\u0907\u0928\u094d\u0938, 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2024)\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0941\u092a\u092f\u093e<\/strong>, \u091c\u093f\u0938\u0947 <strong>e\u20b9<\/strong> \u0915\u0947 \u0928\u093e\u092e \u0938\u0947 \u092d\u0940 \u091c\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u092d\u093e\u0930\u0924 \u0915\u0940 \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 <strong>\u0938\u0947\u0902\u091f\u094d\u0930\u0932 \u092c\u0948\u0902\u0915 \u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u0930\u0947\u0902\u0938\u0940 (CBDC)<\/strong> \u0939\u0948, \u091c\u093f\u0938\u0947 <strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI)<\/strong> \u0926\u094d\u0935\u093e\u0930\u093e \u0936\u0941\u0930\u0942 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964\u00a0<br\/>\u092f\u0939 \u092d\u094c\u0924\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0942\u092a \u0939\u0948\u0964<br\/>e\u20b9 \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e \u0915\u0947 <strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0935\u0949\u0932\u0947\u091f<\/strong> \u092e\u0947\u0902 \u0938\u0902\u0917\u094d\u0930\u0939\u0940\u0924 \u0939\u094b\u0924\u093e \u0939\u0948 \u0914\u0930 \u0907\u0938\u0915\u093e \u0909\u092a\u092f\u094b\u0917 <strong>\u092a\u0948\u0938\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \/ \u092d\u0947\u091c\u0928\u0947<\/strong> \u092f\u093e <strong>\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0928\u0947<\/strong> \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br\/><strong>\u0924\u0941\u0932\u0928\u093e\u0924\u094d\u092e\u0915 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901:<\/strong><br\/><strong>\u0935\u093f\u0936\u0947\u0937\u0924\u093e<\/strong><br\/><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0941\u092a\u092f\u093e<\/strong><br\/><strong>UPI<\/strong><br\/><strong>\u092a\u094d\u0930\u0915\u0943\u0924\u093f<\/strong><br\/>\u20b9 \u0915\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0942\u092a (CBDC)<br\/>\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093e \u092e\u093e\u0927\u094d\u092f\u092e (\u0932\u0947\u0928-\u0926\u0947\u0928 \u092e\u0902\u091a)<br\/><strong>\u091c\u093e\u0930\u0940\u0915\u0930\u094d\u0924\u093e \/ \u0938\u0902\u091a\u093e\u0932\u0915<\/strong><br\/>RBI<br\/>NPCI (\u0928\u0947\u0936\u0928\u0932 \u092a\u0947\u092e\u0947\u0902\u091f\u094d\u0938 \u0915\u0949\u0930\u092a\u094b\u0930\u0947\u0936\u0928 \u0911\u092b \u0907\u0902\u0921\u093f\u092f\u093e)<br\/><strong>\u0930\u0942\u092a\u093e\u0924\u094d\u092e\u0915 \u0938\u094d\u0935\u0930\u0942\u092a<\/strong><br\/>\u092e\u0941\u0926\u094d\u0930\u093e-\u091c\u0948\u0938\u093e (\u091f\u094b\u0915\u0928-\u0906\u0927\u093e\u0930\u093f\u0924)<br\/>\u092c\u0948\u0902\u0915 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0915\u0947 \u0932\u093f\u090f \u0907\u0902\u091f\u0930\u092b\u093c\u0947\u0938<br\/><strong>\u0915\u093e\u0928\u0942\u0928\u0940 \u0935\u0948\u0927\u0924\u093e<\/strong><br\/>\u0939\u093e\u0901<br\/>\u0928\u0939\u0940\u0902 \u2013 \u092f\u0939 \u0915\u093e\u0928\u0942\u0928\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u0947 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0926\u0947\u0924\u093e \u0939\u0948<br\/><strong>\u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u093e \u092a\u094d\u0930\u0915\u093e\u0930<\/strong><br\/>\u0935\u0949\u0932\u0947\u091f-\u091c\u0948\u0938\u093e (\u092e\u0942\u0932\u094d\u092f \u0938\u0902\u091a\u092f \u0915\u093e \u092e\u093e\u0927\u094d\u092f\u092e)<br\/>\u092c\u0948\u0902\u0915 \u0938\u0947 \u092c\u0948\u0902\u0915 \u0927\u0928 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923\",\"inLanguage\":\"hi-IN\"},\"inLanguage\":\"hi-IN\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/rajras.in\/hi\/ras\/mains\/paper-2\/science-tech\/crypto-currency\/#faq-question-1752920470851\",\"position\":2,\"url\":\"https:\/\/rajras.in\/hi\/ras\/mains\/paper-2\/science-tech\/crypto-currency\/#faq-question-1752920470851\",\"name\":\"\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094d\u092f\u093e \u0939\u0948? \u0907\u0938\u0915\u0947 \u092b\u093e\u092f\u0926\u0947 \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928 \u0915\u094d\u092f\u093e \u0939\u0948\u0902? (\u0905\u0902\u0915 - 5 M, 2021)\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0921\u093f\u091c\u093f\u091f\u0932 \u092f\u093e \u0906\u092d\u093e\u0938\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u093e \u090f\u0915 \u0930\u0942\u092a \u0939\u0948, \u091c\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u093f\u0915 \u0924\u0915\u0928\u0940\u0915\u094b\u0902 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<br\/>\u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e\u0913\u0902 (\u092b\u093f\u090f\u091f \u0915\u0930\u0947\u0902\u0938\u0940), \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0938\u0930\u0915\u093e\u0930\u0947\u0902 \u091c\u093e\u0930\u0940 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0935\u093f\u0915\u0947\u0928\u094d\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 (\u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u091f\u0947\u0921 \u0932\u0947\u091c\u093c\u0930) \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948 \u0914\u0930 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0924\u0915\u0928\u0940\u0915 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: \u092c\u093f\u091f\u0915\u0949\u0907\u0928, \u0932\u093e\u0907\u091f\u0915\u0949\u0907\u0928, \u0930\u093f\u092a\u0932\u0964<br\/><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 = \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u091f\u0947\u0921 \u0932\u0947\u091c\u093c\u0930 + \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928<\/strong><br\/>\u00a0<strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0947 \u0932\u093e\u092d<\/strong><br\/><strong>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0930\u0923 : <\/strong>\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0938\u0930\u0915\u093e\u0930\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930\u0924\u093e \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<br\/><strong>\u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e : <\/strong>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092e\u0947\u0902 \u0938\u092d\u0940 \u0932\u0947\u0928\u0926\u0947\u0928 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0926\u0930\u094d\u091c \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u092c\u0928\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<br\/><strong>\u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0909\u092a\u0932\u092c\u094d\u0927\u0924\u093e : <\/strong>\u092c\u093f\u0928\u093e \u092e\u0941\u0926\u094d\u0930\u093e \u0935\u093f\u0928\u093f\u092e\u092f \u0915\u0940 \u092c\u093e\u0927\u093e\u0913\u0902 \u0915\u0947\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 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\u0930\u0941\u092a\u092f\u093e<\/strong>, \u091c\u093f\u0938\u0947 <strong>e\u20b9<\/strong> \u0915\u0947 \u0928\u093e\u092e \u0938\u0947 \u092d\u0940 \u091c\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u092d\u093e\u0930\u0924 \u0915\u0940 \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 <strong>\u0938\u0947\u0902\u091f\u094d\u0930\u0932 \u092c\u0948\u0902\u0915 \u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u0930\u0947\u0902\u0938\u0940 (CBDC)<\/strong> \u0939\u0948, \u091c\u093f\u0938\u0947 <strong>\u092d\u093e\u0930\u0924\u0940\u092f \u0930\u093f\u091c\u093c\u0930\u094d\u0935 \u092c\u0948\u0902\u0915 (RBI)<\/strong> \u0926\u094d\u0935\u093e\u0930\u093e \u0936\u0941\u0930\u0942 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964\u00a0<br\/>\u092f\u0939 \u092d\u094c\u0924\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0942\u092a \u0939\u0948\u0964<br\/>e\u20b9 \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e \u0915\u0947 <strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0935\u0949\u0932\u0947\u091f<\/strong> \u092e\u0947\u0902 \u0938\u0902\u0917\u094d\u0930\u0939\u0940\u0924 \u0939\u094b\u0924\u093e \u0939\u0948 \u0914\u0930 \u0907\u0938\u0915\u093e \u0909\u092a\u092f\u094b\u0917 <strong>\u092a\u0948\u0938\u093e \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \/ \u092d\u0947\u091c\u0928\u0947<\/strong> \u092f\u093e <strong>\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0930\u0928\u0947<\/strong> \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br\/><strong>\u0924\u0941\u0932\u0928\u093e\u0924\u094d\u092e\u0915 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901:<\/strong><br\/><strong>\u0935\u093f\u0936\u0947\u0937\u0924\u093e<\/strong><br\/><strong>\u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0941\u092a\u092f\u093e<\/strong><br\/><strong>UPI<\/strong><br\/><strong>\u092a\u094d\u0930\u0915\u0943\u0924\u093f<\/strong><br\/>\u20b9 \u0915\u093e \u0921\u093f\u091c\u093f\u091f\u0932 \u0930\u0942\u092a (CBDC)<br\/>\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093e \u092e\u093e\u0927\u094d\u092f\u092e (\u0932\u0947\u0928-\u0926\u0947\u0928 \u092e\u0902\u091a)<br\/><strong>\u091c\u093e\u0930\u0940\u0915\u0930\u094d\u0924\u093e \/ \u0938\u0902\u091a\u093e\u0932\u0915<\/strong><br\/>RBI<br\/>NPCI (\u0928\u0947\u0936\u0928\u0932 \u092a\u0947\u092e\u0947\u0902\u091f\u094d\u0938 \u0915\u0949\u0930\u092a\u094b\u0930\u0947\u0936\u0928 \u0911\u092b \u0907\u0902\u0921\u093f\u092f\u093e)<br\/><strong>\u0930\u0942\u092a\u093e\u0924\u094d\u092e\u0915 \u0938\u094d\u0935\u0930\u0942\u092a<\/strong><br\/>\u092e\u0941\u0926\u094d\u0930\u093e-\u091c\u0948\u0938\u093e (\u091f\u094b\u0915\u0928-\u0906\u0927\u093e\u0930\u093f\u0924)<br\/>\u092c\u0948\u0902\u0915 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0915\u0947 \u0932\u093f\u090f \u0907\u0902\u091f\u0930\u092b\u093c\u0947\u0938<br\/><strong>\u0915\u093e\u0928\u0942\u0928\u0940 \u0935\u0948\u0927\u0924\u093e<\/strong><br\/>\u0939\u093e\u0901<br\/>\u0928\u0939\u0940\u0902 \u2013 \u092f\u0939 \u0915\u093e\u0928\u0942\u0928\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u0947 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0926\u0947\u0924\u093e \u0939\u0948<br\/><strong>\u0932\u0947\u0928-\u0926\u0947\u0928 \u0915\u093e \u092a\u094d\u0930\u0915\u093e\u0930<\/strong><br\/>\u0935\u0949\u0932\u0947\u091f-\u091c\u0948\u0938\u093e (\u092e\u0942\u0932\u094d\u092f \u0938\u0902\u091a\u092f \u0915\u093e \u092e\u093e\u0927\u094d\u092f\u092e)<br\/>\u092c\u0948\u0902\u0915 \u0938\u0947 \u092c\u0948\u0902\u0915 \u0927\u0928 \u0939\u0938\u094d\u0924\u093e\u0902\u0924\u0930\u0923","inLanguage":"hi-IN"},"inLanguage":"hi-IN"},{"@type":"Question","@id":"https:\/\/rajras.in\/hi\/ras\/mains\/paper-2\/science-tech\/crypto-currency\/#faq-question-1752920470851","position":2,"url":"https:\/\/rajras.in\/hi\/ras\/mains\/paper-2\/science-tech\/crypto-currency\/#faq-question-1752920470851","name":"\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u094d\u092f\u093e \u0939\u0948? \u0907\u0938\u0915\u0947 \u092b\u093e\u092f\u0926\u0947 \u0914\u0930 \u0928\u0941\u0915\u0938\u093e\u0928 \u0915\u094d\u092f\u093e \u0939\u0948\u0902? (\u0905\u0902\u0915 - 5 M, 2021)","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0921\u093f\u091c\u093f\u091f\u0932 \u092f\u093e \u0906\u092d\u093e\u0938\u0940 \u092e\u0941\u0926\u094d\u0930\u093e \u0915\u093e \u090f\u0915 \u0930\u0942\u092a \u0939\u0948, \u091c\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0917\u094d\u0930\u093e\u092b\u093f\u0915 \u0924\u0915\u0928\u0940\u0915\u094b\u0902 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<br\/>\u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u092e\u0941\u0926\u094d\u0930\u093e\u0913\u0902 (\u092b\u093f\u090f\u091f \u0915\u0930\u0947\u0902\u0938\u0940), \u091c\u093f\u0928\u094d\u0939\u0947\u0902 \u0938\u0930\u0915\u093e\u0930\u0947\u0902 \u091c\u093e\u0930\u0940 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924, \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0935\u093f\u0915\u0947\u0928\u094d\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 (\u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u091f\u0947\u0921 \u0932\u0947\u091c\u093c\u0930) \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948 \u0914\u0930 \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u0924\u0915\u0928\u0940\u0915 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u0909\u0926\u093e\u0939\u0930\u0923: \u092c\u093f\u091f\u0915\u0949\u0907\u0928, \u0932\u093e\u0907\u091f\u0915\u0949\u0907\u0928, \u0930\u093f\u092a\u0932\u0964<br\/><strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 = \u0921\u093f\u0938\u094d\u091f\u094d\u0930\u0940\u092c\u094d\u092f\u0942\u091f\u0947\u0921 \u0932\u0947\u091c\u093c\u0930 + \u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928<\/strong><br\/>\u00a0<strong>\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0915\u0947 \u0932\u093e\u092d<\/strong><br\/><strong>\u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0930\u0923 : <\/strong>\u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 \u0935\u093f\u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0943\u0924 \u0928\u0947\u091f\u0935\u0930\u094d\u0915 \u092a\u0930 \u0915\u093e\u0930\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092c\u0948\u0902\u0915\u094b\u0902 \u0914\u0930 \u0938\u0930\u0915\u093e\u0930\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930\u0924\u093e \u0915\u092e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<br\/><strong>\u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e : <\/strong>\u092c\u094d\u0932\u0949\u0915\u091a\u0947\u0928 \u092e\u0947\u0902 \u0938\u092d\u0940 \u0932\u0947\u0928\u0926\u0947\u0928 \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0926\u0930\u094d\u091c \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u092c\u0928\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<br\/><strong>\u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0909\u092a\u0932\u092c\u094d\u0927\u0924\u093e : <\/strong>\u092c\u093f\u0928\u093e \u092e\u0941\u0926\u094d\u0930\u093e \u0935\u093f\u0928\u093f\u092e\u092f \u0915\u0940 \u092c\u093e\u0927\u093e\u0913\u0902 \u0915\u0947\u0915\u094d\u0930\u093f\u092a\u094d\u091f\u094b\u0915\u0930\u0947\u0902\u0938\u0940 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