{"id":3006,"date":"2026-07-31T11:20:25","date_gmt":"2026-07-31T04:20:25","guid":{"rendered":"https:\/\/blog.datacore.vn\/?p=3006"},"modified":"2026-08-07T03:59:14","modified_gmt":"2026-08-06T20:59:14","slug":"tien-ky-thuat-so-quoc-gia-viet-nam-cbdc","status":"publish","type":"post","link":"https:\/\/blog.datacore.vn\/en\/tien-ky-thuat-so-quoc-gia-viet-nam-cbdc\/","title":{"rendered":"Ti\u1ec1n K\u1ef9 Thu\u1eadt S\u1ed1 Qu\u1ed1c Gia Vi\u1ec7t Nam CBDC: C\u1ea9m Nang 2026 Thi\u1ebft Y\u1ebfu"},"content":{"rendered":"

C\u00e1c t\u1ed5 ch\u1ee9c n\u00ean r\u00e0 so\u00e1t v\u00e0 c\u1ee7ng c\u1ed1 h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u eKYC, x\u00e1c minh danh t\u00ednh v\u00e0 ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n ngay t\u1eeb b\u00e2y gi\u1edd \u0111\u1ec3 tr\u00e1nh b\u1ecb \u0111\u1ed9ng khi SBV chuy\u1ec3n sang giai \u0111o\u1ea1n th\u00ed \u0111i\u1ec3m.<\/p>\n\n\n

D\u00f9 CBDC c\u1ee7a Vi\u1ec7t Nam cu\u1ed1i c\u00f9ng c\u00f3 h\u00ecnh th\u00e1i ra sao, x\u00e1c minh danh t\u00ednh theo th\u1eddi gian th\u1ef1c v\u1eabn s\u1ebd l\u00e0 trung t\u00e2m c\u1ee7a h\u1ec7 th\u1ed1ng \u0111\u00f3. D\u1ecbch V\u1ee5 eKYC<\/a> c\u1ee7a DataCore gi\u00fap ng\u00e2n h\u00e0ng v\u00e0 fintech x\u00e2y d\u1ef1ng h\u1ea1 t\u1ea7ng x\u00e1c minh danh t\u00ednh c\u1ea7n thi\u1ebft \u0111\u1ec3 s\u1eb5n s\u00e0ng khi nghi\u00ean c\u1ee9u ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC ti\u1ebfn t\u1edbi giai \u0111o\u1ea1n th\u00ed \u0111i\u1ec3m.<\/p>\n\n

T\u00f3m t\u1eaft nhanh:<\/strong> C\u00f4ng t\u00e1c nghi\u00ean c\u1ee9u ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC \u0111ang trong giai \u0111o\u1ea1n t\u00edch c\u1ef1c, ch\u01b0a ph\u1ea3i th\u00ed \u0111i\u1ec3m th\u1ef1c t\u1ebf, v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam (SBV) x\u00e1c nh\u1eadn \u0111\u00e3 th\u00e0nh l\u1eadp t\u1ed5 c\u00f4ng t\u00e1c th\u01b0\u1eddng tr\u1ef1c \u0111\u1ec3 nghi\u00ean c\u1ee9u v\u00e0 t\u01b0 v\u1ea5n t\u00ednh \u0111\u1ebfn th\u00e1ng 5\/2025.<\/p>\n\n\n\n

\"Ng\u00e2n<\/figure>\n\n\n\n

Ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty fintech n\u00ean b\u1eaft \u0111\u1ea7u chu\u1ea9n b\u1ecb h\u1ea1 t\u1ea7ng tu\u00e2n th\u1ee7 v\u00e0 d\u1eef li\u1ec7u ngay t\u1eeb b\u00e2y gi\u1edd, v\u00ec nhu c\u1ea7u eKYC v\u00e0 d\u1eef li\u1ec7u thanh to\u00e1n th\u1eddi gian th\u1ef1c s\u1ebd quy\u1ebft \u0111\u1ecbnh th\u00e0nh c\u00f4ng c\u1ee7a m\u1ed9t th\u00ed \u0111i\u1ec3m trong t\u01b0\u01a1ng lai.<\/p>\n\n\n\n

Vi\u1ec7t Nam \u0111ang x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng cho m\u1ed9t \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC, v\u00e0 t\u1ed1c \u0111\u1ed9 chu\u1ea9n b\u1ecb n\u00e0y \u0111ang \u0111\u01b0\u1ee3c \u0111\u1ea9y nhanh. Sau ch\u1ec9 \u0111\u1ea1o n\u0103m 2021 c\u1ee7a Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 y\u00eau c\u1ea7u SBV nghi\u00ean c\u1ee9u t\u00ednh kh\u1ea3 thi c\u1ee7a m\u1ed9t th\u00ed \u0111i\u1ec3m, \u0111\u1ebfn th\u00e1ng 5\/2025, SBV \u0111\u00e3 b\u00e1o c\u00e1o tr\u01b0\u1edbc Qu\u1ed1c h\u1ed9i r\u1eb1ng c\u01a1 quan n\u00e0y \u0111\u00e3 th\u00e0nh l\u1eadp m\u1ed9t t\u1ed5 c\u00f4ng t\u00e1c th\u01b0\u1eddng tr\u1ef1c chuy\u00ean tr\u00e1ch.<\/p>\n\n\n\n

C\u00f4ng t\u00e1c ph\u00e1t tri\u1ec3n ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC v\u1eabn \u0111ang \u1edf giai \u0111o\u1ea1n nghi\u00ean c\u1ee9u, v\u1edbi s\u1ef1 tham gia c\u1ee7a Viettel v\u00e0 MobiFone trong c\u00e1c nghi\u00ean c\u1ee9u ban \u0111\u1ea7u v\u1ec1 t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i v\u00e0 c\u00f4ng ngh\u1ec7. Ch\u01b0a c\u00f3 th\u00ed \u0111i\u1ec3m th\u1ef1c t\u1ebf n\u00e0o \u0111\u01b0\u1ee3c tri\u1ec3n khai, nh\u01b0ng b\u1ed9 m\u00e1y th\u1ec3 ch\u1ebf cho vi\u1ec7c n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp.<\/p>\n\n\n\n

Ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC hi\u1ec7n \u0111ang \u1edf giai \u0111o\u1ea1n n\u00e0o?<\/h2>\n\n\n\n
\"Giai<\/figure>\n\n\n\n

H\u00e0nh tr\u00ecnh CBDC c\u1ee7a Vi\u1ec7t Nam ch\u00ednh th\u1ee9c b\u1eaft \u0111\u1ea7u v\u00e0o n\u0103m 2021, khi Th\u1ee7 t\u01b0\u1edbng ch\u1ec9 \u0111\u1ea1o SBV nghi\u00ean c\u1ee9u t\u00ednh kh\u1ea3 thi c\u1ee7a m\u1ed9t th\u00ed \u0111i\u1ec3m ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1. Kh\u00e1c v\u1edbi c\u00e1c qu\u1ed1c gia \u0111\u00e3 tri\u1ec3n khai th\u00ed \u0111i\u1ec3m CBDC b\u00e1n l\u1ebb, Vi\u1ec7t Nam ch\u1ecdn c\u00e1ch ti\u1ebfp c\u1eadn t\u1eebng b\u01b0\u1edbc c\u00f3 ch\u1ee7 \u0111\u00edch.<\/p>\n\n\n\n

Di\u1ec5n bi\u1ebfn quan tr\u1ecdng g\u1ea7n \u0111\u00e2y nh\u1ea5t l\u00e0 v\u00e0o th\u00e1ng 5\/2025, khi SBV b\u00e1o c\u00e1o tr\u01b0\u1edbc Qu\u1ed1c h\u1ed9i r\u1eb1ng \u0111\u00e3 th\u00e0nh l\u1eadp m\u1ed9t t\u1ed5 c\u00f4ng t\u00e1c th\u01b0\u1eddng tr\u1ef1c chuy\u00ean tr\u00e1ch nghi\u00ean c\u1ee9u ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC, t\u00edn hi\u1ec7u cho th\u1ea5y \u0111\u00e2y l\u00e0 m\u1ed9t lu\u1ed3ng c\u00f4ng vi\u1ec7c \u0111\u01b0\u1ee3c th\u1ec3 ch\u1ebf h\u00f3a.<\/p>\n\n\n\n

Hai trong s\u1ed1 c\u00e1c nh\u00e0 m\u1ea1ng vi\u1ec5n th\u00f4ng l\u1edbn nh\u1ea5t Vi\u1ec7t Nam, Viettel v\u00e0 MobiFone, \u0111ang \u0111\u00f3ng g\u00f3p v\u00e0o giai \u0111o\u1ea1n nghi\u00ean c\u1ee9u n\u00e0y b\u1eb1ng c\u00e1ch t\u00ecm hi\u1ec3u t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i v\u00e0 c\u00f4ng ngh\u1ec7 c\u1ee7a m\u1ed9t \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 ti\u1ec1m n\u0103ng. \u0110\u00e2y l\u00e0 \u0111i\u1ec3m ph\u00e2n bi\u1ec7t quan tr\u1ecdng: c\u00f4ng t\u00e1c ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC hi\u1ec7n nay l\u00e0 v\u1ec1 x\u00e2y d\u1ef1ng khung ch\u00ednh s\u00e1ch, ch\u1ee9 ch\u01b0a ph\u1ea3i l\u00e0 th\u1eed nghi\u1ec7m v\u1edbi ng\u01b0\u1eddi d\u00f9ng th\u1eadt.<\/p>\n\n\n\n

V\u00ec sao ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC quan tr\u1ecdng v\u1edbi ng\u00e2n h\u00e0ng v\u00e0 fintech ngay l\u00fac n\u00e0y?<\/h2>\n\n\n\n
\"T\u1ed5<\/figure>\n\n\n\n

Ngay c\u1ea3 trong giai \u0111o\u1ea1n nghi\u00ean c\u1ee9u, m\u1ed9t \u0111\u1ed3ng CBDC v\u1eabn c\u00f3 t\u00e1c \u0111\u1ed9ng th\u1ef1c s\u1ef1 \u0111\u1ebfn c\u00e1ch ng\u00e2n h\u00e0ng v\u00e0 fintech l\u00ean k\u1ebf ho\u1ea1ch c\u00f4ng ngh\u1ec7. M\u1ed9t \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 do SBV ph\u00e1t h\u00e0nh nhi\u1ec1u kh\u1ea3 n\u0103ng s\u1ebd \u0111\u00f2i h\u1ecfi h\u1ea1 t\u1ea7ng thanh to\u00e1n th\u1eddi gian th\u1ef1c v\u00e0 x\u00e1c minh danh t\u00ednh ch\u1eb7t ch\u1ebd h\u01a1n.<\/p>\n\n\n\n

N\u1ec1n t\u1ea3ng tu\u00e2n th\u1ee7 cho b\u1ea5t k\u1ef3 h\u1ec7 th\u1ed1ng CBDC n\u00e0o \u0111\u1ec1u d\u1ef1a tr\u00ean vi\u1ec7c bi\u1ebft ch\u00ednh x\u00e1c ai \u0111ang giao d\u1ecbch, theo th\u1eddi gian th\u1ef1c. \u0110\u00e2y ch\u00ednh x\u00e1c l\u00e0 n\u01a1i h\u1ea1 t\u1ea7ng \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed (eKYC) tr\u1edf th\u00e0nh y\u1ebfu t\u1ed1 n\u1ec1n t\u1ea3ng. Xem th\u00eam v\u1ec1 ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam qua b\u00e0i vi\u1ebft t\u00edn hi\u1ec7u r\u1ee7i ro t\u00edn d\u1ee5ng ng\u00e2n h\u00e0ng Vi\u1ec7t Nam<\/a>.<\/p>\n\n\n\n

M\u1ed9t h\u1ec7 th\u1ed1ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC s\u1ebd c\u1ea7n h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u n\u00e0o?<\/h2>\n\n\n\n

M\u1ed9t h\u1ec7 th\u1ed1ng CBDC v\u1eadn h\u00e0nh s\u1ebd c\u1ea7n ba l\u1edbp h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u ph\u1ed1i h\u1ee3p v\u1edbi nhau: x\u00e1c minh danh t\u00ednh t\u1ea1i th\u1eddi \u0111i\u1ec3m m\u1edf t\u00e0i kho\u1ea3n, d\u1eef li\u1ec7u giao d\u1ecbch theo th\u1eddi gian th\u1ef1c, v\u00e0 gi\u00e1m s\u00e1t AML li\u00ean t\u1ee5c. Ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 nh\u1eefng b\u01b0\u1edbc ti\u1ebfn \u0111\u00e1ng k\u1ec3 trong vi\u1ec7c s\u1ed1 h\u00f3a KYC.<\/p>\n\n\n\n

\"H\u1ea1<\/figure>\n\n\n\n

C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 fintech mu\u1ed1n \u0111i tr\u01b0\u1edbc n\u00ean r\u00e0 so\u00e1t h\u1ec7 th\u1ed1ng eKYC ngay t\u1eeb b\u00e2y gi\u1edd, tr\u01b0\u1edbc khi SBV c\u00f3 b\u1ea5t k\u1ef3 th\u00f4ng b\u00e1o th\u00ed \u0111i\u1ec3m n\u00e0o. Xem th\u00eam ph\u00e2n t\u00edch c\u1ee7a ch\u00fang t\u00f4i v\u1ec1 Th\u00f4ng T\u01b0 25\/2026 v\u00e0 quy \u0111\u1ecbnh thanh kho\u1ea3n ng\u00e2n h\u00e0ng<\/a> \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n b\u1ed1i c\u1ea3nh qu\u1ea3n l\u00fd.<\/p>\n\n\n\n

C\u00e2u H\u1ecfi Th\u01b0\u1eddng G\u1eb7p<\/h2>\n\n\n\n

Vi\u1ec7t Nam \u0111\u00e3 tri\u1ec3n khai th\u00ed \u0111i\u1ec3m ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC ch\u01b0a?<\/h3>\n\n

Ch\u01b0a. T\u00ednh \u0111\u1ebfn gi\u1eefa n\u0103m 2026, c\u00f4ng t\u00e1c ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC v\u1eabn \u0111ang trong giai \u0111o\u1ea1n nghi\u00ean c\u1ee9u. SBV \u0111\u00e3 th\u00e0nh l\u1eadp t\u1ed5 c\u00f4ng t\u00e1c th\u01b0\u1eddng tr\u1ef1c, nh\u01b0ng ch\u01b0a c\u00f3 th\u00ed \u0111i\u1ec3m th\u1ef1c t\u1ebf n\u00e0o \u0111\u01b0\u1ee3c tri\u1ec3n khai.<\/p>\n\n\n

Vi\u1ec7t Nam b\u1eaft \u0111\u1ea7u nghi\u00ean c\u1ee9u CBDC t\u1eeb khi n\u00e0o?<\/h3>\n\n

Ch\u1ec9 \u0111\u1ea1o ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c \u0111\u01b0a ra n\u0103m 2021, khi Th\u1ee7 t\u01b0\u1edbng y\u00eau c\u1ea7u SBV nghi\u00ean c\u1ee9u t\u00ednh kh\u1ea3 thi. \u0110\u1ebfn th\u00e1ng 5\/2025, SBV x\u00e1c nh\u1eadn tr\u01b0\u1edbc Qu\u1ed1c h\u1ed9i r\u1eb1ng m\u1ed9t t\u1ed5 c\u00f4ng t\u00e1c nghi\u00ean c\u1ee9u th\u01b0\u1eddng tr\u1ef1c \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp.<\/p>\n\n\n

Viettel v\u00e0 MobiFone \u0111\u00f3ng vai tr\u00f2 g\u00ec trong nghi\u00ean c\u1ee9u CBDC?<\/h3>\n\n

Viettel v\u00e0 MobiFone \u0111ang nghi\u00ean c\u1ee9u t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i v\u00e0 c\u00f4ng ngh\u1ec7 c\u1ee7a m\u1ed9t \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 ti\u1ec1m n\u0103ng, nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a c\u00f4ng t\u00e1c x\u00e2y d\u1ef1ng khung ch\u00ednh s\u00e1ch ban \u0111\u1ea7u.<\/p>\n\n\n

V\u00ec sao eKYC quan tr\u1ecdng \u0111\u1ed1i v\u1edbi ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC?<\/h3>\n\n

M\u1ed9t \u0111\u1ed3ng ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111\u00f2i h\u1ecfi x\u00e1c minh danh t\u00ednh m\u1ea1nh, theo th\u1eddi gian th\u1ef1c. H\u1ea1 t\u1ea7ng eKYC l\u00e0 l\u1edbp n\u1ec1n t\u1ea3ng gi\u00fap ng\u00e2n h\u00e0ng v\u00e0 fintech k\u1ebft n\u1ed1i v\u00e0o h\u1ec7 th\u1ed1ng thanh to\u00e1n CBDC t\u01b0\u01a1ng lai.<\/p>\n\n\n

Ng\u00e2n h\u00e0ng v\u00e0 fintech n\u00ean l\u00e0m g\u00ec ngay b\u00e2y gi\u1edd?<\/h3>\n\n

C\u00e1c t\u1ed5 ch\u1ee9c n\u00ean r\u00e0 so\u00e1t v\u00e0 c\u1ee7ng c\u1ed1 h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u eKYC, x\u00e1c minh danh t\u00ednh v\u00e0 ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n ngay t\u1eeb b\u00e2y gi\u1edd \u0111\u1ec3 tr\u00e1nh b\u1ecb \u0111\u1ed9ng khi SBV chuy\u1ec3n sang giai \u0111o\u1ea1n th\u00ed \u0111i\u1ec3m.<\/p>\n\n\n

D\u00f9 CBDC c\u1ee7a Vi\u1ec7t Nam cu\u1ed1i c\u00f9ng c\u00f3 h\u00ecnh th\u00e1i ra sao, x\u00e1c minh danh t\u00ednh theo th\u1eddi gian th\u1ef1c v\u1eabn s\u1ebd l\u00e0 trung t\u00e2m c\u1ee7a h\u1ec7 th\u1ed1ng \u0111\u00f3. D\u1ecbch V\u1ee5 eKYC<\/a> c\u1ee7a DataCore gi\u00fap ng\u00e2n h\u00e0ng v\u00e0 fintech x\u00e2y d\u1ef1ng h\u1ea1 t\u1ea7ng x\u00e1c minh danh t\u00ednh c\u1ea7n thi\u1ebft \u0111\u1ec3 s\u1eb5n s\u00e0ng khi nghi\u00ean c\u1ee9u ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ed1c gia Vi\u1ec7t Nam CBDC ti\u1ebfn t\u1edbi giai \u0111o\u1ea1n th\u00ed \u0111i\u1ec3m.<\/p>\n","protected":false},"excerpt":{"rendered":"

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