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    Media Announcements FSRA introduces a regulatory framework to support the issuance of Fiat-Referenced Tokens in ADGM

    FSRA introduces a regulatory framework to support the issuance of Fiat-Referenced Tokens in ADGM

    ADGM FSRA: 05 December 2024

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    The Financial Services Regulatory Authority (FSRA) has introduced a regulatory framework for the issuance of Fiat-Referenced Tokens (FRTs) in ADGM, expanding the suite of digital assets that can be offered in a regulated environment.  The formalisation of this framework follows extensive industry engagement and feedback received on Consultation Paper No. 7 of 2024.

    The framework introduces several key components that establish robust standards for FRT issuers to ensure financial stability and investor protection:

    • Reserve Assets – minimising the risks of variability in the value of FRTs by setting strict requirements on the constituents of reserve assets.
    • Governance and Integrity – implementing periodic independent attestation and stress testing obligations.
    • Transparent Disclosure – setting out requirements for detailed whitepapers and ongoing disclosures covering operational aspects, risks, and rights of FRT holders.
    • Prudential Safeguards – setting clear capital adequacy requirements and business restrictions.
    • Redemption Rights – ensuring FRT holder rights to redeem FRTs at par value within defined timeframes.

    The framework makes FRT issuance a distinct Regulated Activity within ADGM's comprehensive financial services regulatory regime.  It has been designed to be risk-proportionate while ensuring FRT issuers operate in a safe and prudent manner.  This balanced approach benchmarked against international standards and best practices, positions ADGM at the forefront of financial innovation.

    Emmanuel Givanakis, CEO of the ADGM FSRA said: "Our FRT framework is a significant milestone in ADGM's evolution as a progressive international financial centre.  Through extensive consultation with industry stakeholders, we have created a regime that balances innovation with strong regulatory oversight.  This framework provides the regulatory certainty that industry participants need while maintaining high standards of financial stability and investor protection.  We believe this positions ADGM as a premier jurisdiction for responsible FRT issuance and shows our commitment to fostering responsible innovation in financial services."

     

    The complete framework documentation can be accessed here:

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