{"id":6646,"date":"2026-07-06T12:54:35","date_gmt":"2026-07-06T12:54:35","guid":{"rendered":"https:\/\/blockchain.az\/btc\/?p=6646"},"modified":"2026-07-06T12:54:36","modified_gmt":"2026-07-06T12:54:36","slug":"az%c9%99rbaycan-ucun-ortaq-azn-steyblkoinin-yaradilmasi-t%c9%99klif-olunur","status":"publish","type":"post","link":"https:\/\/blockchain.az\/btc\/2026\/07\/06\/az%c9%99rbaycan-ucun-ortaq-azn-steyblkoinin-yaradilmasi-t%c9%99klif-olunur\/","title":{"rendered":"Az\u0259rbaycan \u00fc\u00e7\u00fcn Ortaq AZN steyblkoinin yarad\u0131lmas\u0131 t\u0259klif olunur."},"content":{"rendered":"\n

Orxan \u018fhm\u0259dov: Az\u0259rbaycan \u00fc\u00e7\u00fcn ortaq OAZN stablecoin modeli daha m\u0259qs\u0259d\u0259uy\u011fun ola bil\u0259r<\/strong><\/p>\n\n\n\n

Qlobal maliyy\u0259 v\u0259 texnologiya bazar\u0131nda stablecoin-l\u0259rl\u0259 ba\u011fl\u0131 yeni yana\u015fmalar Az\u0259rbaycanda da m\u00fczakir\u0259l\u0259r\u0259 s\u0259b\u0259b olub. Visa, Mastercard v\u0259 dig\u0259r b\u00f6y\u00fck fintech \u015firk\u0259tl\u0259rinin birl\u0259\u015f\u0259r\u0259k ortaq Open USD – OUSD stablecoin modeli \u00fcz\u0259rind\u0259 i\u015fl\u0259m\u0259si bu sah\u0259d\u0259 yeni trendin formala\u015fd\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rir.<\/p>\n\n\n\n

Blockchain Az\u0259rbaycan \u00fczv\u00fc v\u0259 Bonpara \u015firk\u0259tinin t\u0259sis\u00e7isi Orxan \u018fhm\u0259dovun fikrinc\u0259, OUSD modelinin \u0259sas f\u0259rqi ondan ibar\u0259tdir ki, \u015firk\u0259tl\u0259r t\u0259k bir emitentin buraxd\u0131\u011f\u0131 stablecoin-d\u0259n as\u0131l\u0131 qalmaq \u0259v\u0259zin\u0259, ortaq idar\u0259etm\u0259 v\u0259 ortaq iqtisadi maraq prinsipi il\u0259 i\u015fl\u0259y\u0259n stablecoin infrastrukturu yarad\u0131rlar.<\/p>\n\n\n\n

\u018fhm\u0259dov qeyd edir ki, stablecoin sad\u0259c\u0259 \u201ckripto pul\u201d kimi yox, maliyy\u0259 institutlar\u0131, \u00f6d\u0259ni\u015f \u015firk\u0259tl\u0259ri, fintechl\u0259r, platformalar v\u0259 g\u0259l\u0259c\u0259kd\u0259 s\u00fcni intellekt agentl\u0259ri \u00fc\u00e7\u00fcn yeni hesabla\u015fma qat\u0131 kimi d\u0259y\u0259rl\u0259ndirilm\u0259lidir.<\/p>\n\n\n\n

Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, yerli fintech \u015firk\u0259tl\u0259ri v\u0259 kripto c\u0259miyy\u0259tinin \u00fczvl\u0259ri il\u0259 apar\u0131lan m\u00fczakir\u0259l\u0259rd\u0259 tez-tez bel\u0259 fikir s\u0259sl\u0259nir ki, yerli stablecoin-i yaln\u0131z Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 buraxmal\u0131d\u0131r v\u0259 bu, AZN-nin kripto versiyas\u0131 olmal\u0131d\u0131r. \u018fsas arqument kimi kriptovalyuta il\u0259 \u00f6d\u0259ni\u015fl\u0259rin m\u0259hdudla\u015fd\u0131r\u0131la bil\u0259c\u0259yi v\u0259 yaln\u0131z d\u00f6vl\u0259tin r\u0259smi tan\u0131d\u0131\u011f\u0131 stablecoin-in i\u015fl\u0259k ola bil\u0259c\u0259yi g\u00f6st\u0259rilir.<\/p>\n\n\n\n

Lakin \u018fhm\u0259dov hesab edir ki, stablecoin anlay\u0131\u015f\u0131 bundan daha geni\u015fdir. Onun fikrinc\u0259, stablecoin m\u00fctl\u0259q m\u0259rk\u0259zi bank\u0131n buraxd\u0131\u011f\u0131 r\u0259q\u0259msal valyuta dem\u0259k deyil. \u018fg\u0259r r\u0259q\u0259msal valyuta birba\u015fa M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n burax\u0131l\u0131rsa, bu daha \u00e7ox CBDC – y\u0259ni r\u0259q\u0259msal manat modelin\u0259 yax\u0131n olur.<\/p>\n\n\n\n

Stablecoin is\u0259 t\u0259nziml\u0259n\u0259n maliyy\u0259 qurumlar\u0131 t\u0259r\u0259find\u0259n 1:1 fiat t\u0259minat\u0131 il\u0259 burax\u0131la, audit oluna, geri \u00e7evril\u0259 v\u0259 m\u00fcxt\u0259lif maliyy\u0259 sisteml\u0259rin\u0259 inteqrasiya edil\u0259 bil\u0259n r\u0259q\u0259msal hesabla\u015fma al\u0259tidir.<\/p>\n\n\n\n

\u018fhm\u0259dov bildirir ki, qlobal stablecoin bazar\u0131na, oyun\u00e7ular\u0131na v\u0259 t\u0259tbiq sah\u0259l\u0259rin\u0259 baxd\u0131qda bu al\u0259tin \u0259sas d\u0259y\u0259rinin sad\u0259c\u0259 geni\u015f \u0259hali \u00fc\u00e7\u00fcn \u201ckripto il\u0259 \u00f6d\u0259ni\u015f\u201d yaratmaq olmad\u0131\u011f\u0131 g\u00f6r\u00fcn\u00fcr. Onun fikrinc\u0259, daha b\u00f6y\u00fck istifad\u0259 sah\u0259si banklar, \u00f6d\u0259ni\u015f t\u0259\u015fkilatlar\u0131, fintech platformalar, marketplace-l\u0259r, cross-border transferl\u0259r, tokenizasiya olunmu\u015f aktivl\u0259r v\u0259 s\u00fcni intellekt agentl\u0259ri aras\u0131nda s\u00fcr\u0259tli, \u015f\u0259ffaf v\u0259 proqramla\u015fd\u0131r\u0131la bil\u0259n hesabla\u015fmalar\u0131n apar\u0131lmas\u0131d\u0131r.<\/p>\n\n\n\n

Az\u0259rbaycanda da bu ilin sonuna q\u0259d\u0259r \u201cKripto aktivl\u0259r haqq\u0131nda\u201d yeni qanunun q\u0259bul olunaca\u011f\u0131 g\u00f6zl\u0259nilir. Orxan \u018fhm\u0259dov hesab edir ki, Az\u0259rbaycanda qanun q\u0259bul edildikd\u0259n sonra m\u00fcxt\u0259lif qurumlar\u0131n yerli stablecoin buraxma\u011fa \u00e7al\u0131\u015fmas\u0131 m\u00fcmk\u00fcnd\u00fcr. Lakin bazar\u0131n h\u0259cmi n\u0259z\u0259r\u0259 al\u0131narsa, h\u0259r lisenziyal\u0131 \u015firk\u0259tin ayr\u0131ca stablecoin yaratmas\u0131 h\u0259m iqtisadi, h\u0259m texniki, h\u0259m d\u0259 t\u0259nziml\u0259m\u0259 bax\u0131m\u0131ndan s\u0259m\u0259r\u0259siz ola bil\u0259r.<\/p>\n\n\n\n

Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu, bazarda par\u00e7alanma, likvidlik \u00e7at\u0131\u015fmazl\u0131\u011f\u0131, istifad\u0259\u00e7i \u00e7a\u015fq\u0131nl\u0131\u011f\u0131 v\u0259 inteqrasiya x\u0259rcl\u0259rinin artmas\u0131 il\u0259 n\u0259tic\u0259l\u0259n\u0259 bil\u0259r.<\/p>\n\n\n\n

Bu s\u0259b\u0259bd\u0259n \u018fhm\u0259dov OUSD modelind\u0259n ilhamlanaraq Az\u0259rbaycan \u00fc\u00e7\u00fcn ortaq OAZN (ad \u015f\u0259rtidir) stablecoin modelinin yarad\u0131lmas\u0131n\u0131 daha m\u0259ntiqli yana\u015fma hesab edir.<\/p>\n\n\n\n

T\u0259klif olunan modeld\u0259 yerli bazar oyun\u00e7ular\u0131; banklar, fintech \u015firk\u0259tl\u0259ri, \u00f6d\u0259ni\u015f t\u0259\u015fkilatlar\u0131, kripto xidm\u0259t provayderl\u0259ri v\u0259 m\u00fcmk\u00fcn oldu\u011fu halda beyn\u0259lxalq payment rail t\u0259r\u0259fda\u015flar\u0131 vahid protokol \u0259traf\u0131nda birl\u0259\u015f\u0259 bil\u0259r.<\/p>\n\n\n\n

Modelin sad\u0259 i\u015fl\u0259m\u0259 prinsipi bel\u0259 t\u0259s\u0259vv\u00fcr olunur: \u0259vv\u0259lc\u0259 ortaq protokol haz\u0131rlan\u0131r, stablecoin-in istifad\u0259 sah\u0259l\u0259ri, emissiya qaydalar\u0131, geri \u00e7evrilm\u0259 mexanizmi, ehtiyat t\u0259l\u0259bl\u0259ri, audit standartlar\u0131, KYC\/AML \u015f\u0259rtl\u0259ri v\u0259 texniki inteqrasiya qaydalar\u0131 m\u00fc\u0259yy\u0259n edilir.<\/p>\n\n\n\n

Daha sonra protokola qo\u015fulmu\u015f lisenziyal\u0131 maliyy\u0259 qurumu m\u00fc\u0259yy\u0259n m\u0259bl\u0259\u011fd\u0259 AZN v\u0259saitini ayr\u0131lm\u0131\u015f v\u0259 n\u0259zar\u0259t olunan bank hesab\u0131nda saxlay\u0131r v\u0259 h\u0259min m\u0259bl\u0259\u011f qar\u015f\u0131l\u0131\u011f\u0131nda d\u00f6vriyy\u0259y\u0259 eyni h\u0259cmd\u0259 OAZN burax\u0131r.<\/p>\n\n\n\n

Bu halda istifad\u0259\u00e7i v\u0259 ya t\u0259r\u0259fda\u015f OAZN-i ist\u0259nil\u0259n vaxt yenid\u0259n AZN-\u0259 \u00e7evir\u0259 bilir. Bel\u0259likl\u0259, stablecoin-in d\u0259y\u0259ri real AZN ehtiyat\u0131 il\u0259 t\u0259min olunur v\u0259 sistemin etibarl\u0131l\u0131\u011f\u0131 t\u0259kc\u0259 texnologiyaya deyil, h\u0259m d\u0259 t\u0259nziml\u0259m\u0259, audit v\u0259 \u015f\u0259ffafl\u0131q mexanizml\u0259rin\u0259 \u0259saslan\u0131r.<\/p>\n\n\n\n

\u018fhm\u0259dovun fikrinc\u0259, n\u0259tic\u0259d\u0259 Az\u0259rbaycan bazar\u0131nda ayr\u0131-ayr\u0131 qurumlar\u0131n f\u0259rqli stablecoin-l\u0259ri \u0259v\u0259zin\u0259, ham\u0131 t\u0259r\u0259find\u0259n tan\u0131nan, vahid standartla i\u015fl\u0259y\u0259n, t\u0259nziml\u0259n\u0259n v\u0259 interoperable yerli r\u0259q\u0259msal manat infrastrukturu formala\u015fa bil\u0259r.<\/p>\n\n\n\n

O, bel\u0259 bir modelin \u0259lav\u0259 faydalar\u0131n\u0131n da oldu\u011funu bildirir. \u0130lk n\u00f6vb\u0259d\u0259, bu yana\u015fma bazarda par\u00e7alanman\u0131n qar\u015f\u0131s\u0131n\u0131 ala bil\u0259r. H\u0259r \u015firk\u0259tin ayr\u0131ca token buraxmas\u0131 \u0259v\u0259zin\u0259, b\u00fct\u00fcn i\u015ftirak\u00e7\u0131lar eyni standart \u00fcz\u0259rind\u0259n i\u015fl\u0259y\u0259 bil\u0259r.<\/p>\n\n\n\n

\u0130kincisi, vahid OAZN modeli likvidliyi m\u0259rk\u0259zl\u0259\u015fdir\u0259 v\u0259 istifad\u0259\u00e7il\u0259r \u00fc\u00e7\u00fcn alq\u0131-satq\u0131, transfer v\u0259 geri \u00e7evrilm\u0259 prosesl\u0259rini asanla\u015fd\u0131ra bil\u0259r.<\/p>\n\n\n\n

\u00dc\u00e7\u00fcnc\u00fcs\u00fc, bu model t\u0259nziml\u0259yici n\u0259zar\u0259ti d\u0259 sad\u0259l\u0259\u015fdir\u0259 bil\u0259r. AMB v\u0259 dig\u0259r aidiyy\u0259ti qurumlar onlarla f\u0259rqli stablecoin modelini ayr\u0131ca izl\u0259m\u0259k \u0259v\u0259zin\u0259, vahid protokol, vahid audit standart\u0131 v\u0259 vahid risk \u00e7\u0259r\u00e7iv\u0259si \u00fcz\u0259rind\u0259n n\u0259zar\u0259t imkan\u0131 \u0259ld\u0259 ed\u0259 bil\u0259r.<\/p>\n\n\n\n

\u018fhm\u0259dovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, OAZN modeli fintech \u015firk\u0259tl\u0259ri \u00fc\u00e7\u00fcn d\u0259 yeni m\u0259hsul imkanlar\u0131 yarada bil\u0259r. Marketplace \u00f6d\u0259ni\u015fl\u0259ri, escrow xidm\u0259tl\u0259ri, mikro\u00f6d\u0259ni\u015fl\u0259r, abun\u0259likl\u0259r, loyalty proqramlar\u0131, creator economy, B2B hesabla\u015fmalar v\u0259 cross-border transferl\u0259r daha \u00e7evik \u015f\u0259kild\u0259 qurula bil\u0259r.<\/p>\n\n\n\n

Bundan \u0259lav\u0259, bel\u0259 bir stablecoin g\u0259l\u0259c\u0259kd\u0259 s\u00fcni intellekt agentl\u0259ri \u00fc\u00e7\u00fcn \u00f6d\u0259ni\u015f infrastrukturu rolunu oynaya bil\u0259r. AI agentl\u0259ri istifad\u0259\u00e7i ad\u0131ndan xidm\u0259t ala, abun\u0259lik \u00f6d\u0259y\u0259, m\u0259lumat bazalar\u0131na \u00e7\u0131x\u0131\u015f \u0259ld\u0259 ed\u0259 v\u0259 mikrotransaksiyalar h\u0259yata ke\u00e7ir\u0259 bil\u0259r. Bunun \u00fc\u00e7\u00fcn proqramla\u015fd\u0131r\u0131la bil\u0259n, limitl\u0259n\u0259 bil\u0259n v\u0259 izl\u0259n\u0259 bil\u0259n r\u0259q\u0259msal \u00f6d\u0259ni\u015f al\u0259ti vacibdir.<\/p>\n\n\n\n

\u018fhm\u0259dov hesab edir ki, AZN t\u0259minatl\u0131 yerli stablecoin modeli Az\u0259rbaycan bazar\u0131n\u0131 dollar \u0259sasl\u0131 stablecoin-l\u0259rd\u0259n tam as\u0131l\u0131l\u0131qdan da qism\u0259n azalda bil\u0259r. Bu halda insanlar v\u0259 \u015firk\u0259tl\u0259r on-chain \u0259m\u0259liyyatlar \u00fc\u00e7\u00fcn yaln\u0131z USDT v\u0259 USDC kimi dollar \u0259sasl\u0131 stablecoin-l\u0259r\u0259 deyil, AZN t\u0259minatl\u0131 yerli alternativ\u0259 d\u0259 sahib ola bil\u0259rl\u0259r.<\/p>\n\n\n\n

Onun fikrinc\u0259, OAZN modeli g\u0259l\u0259c\u0259k tokenizasiya bazar\u0131 \u00fc\u00e7\u00fcn d\u0259 baza rolunu oynaya bil\u0259r. D\u00f6vl\u0259t istiqrazlar\u0131, korporativ istiqrazlar, hesab-fakturalar, loyalty balanslar\u0131 v\u0259 dig\u0259r real aktivl\u0259r tokenizasiya olunarsa, onlar\u0131n hesabla\u015fmas\u0131 \u00fc\u00e7\u00fcn yerli stablecoin vacib infrastruktur ola bil\u0259r.<\/p>\n\n\n\n

\u018fhm\u0259dov \u0259lav\u0259 edir ki, d\u00fczg\u00fcn qurulmu\u015f OAZN modeli Az\u0259rbaycan\u0131 regionda r\u0259q\u0259msal maliyy\u0259 innovasiyas\u0131 bax\u0131m\u0131ndan \u00f6n\u0259 \u00e7\u0131xara bil\u0259r. Bu model t\u0259kc\u0259 yerli bazar \u00fc\u00e7\u00fcn deyil, g\u0259l\u0259c\u0259kd\u0259 regional \u00f6d\u0259ni\u015f, remittance v\u0259 fintech inteqrasiyalar\u0131 \u00fc\u00e7\u00fcn d\u0259 strateji \u00fcst\u00fcnl\u00fck yarada bil\u0259r.<\/p>\n\n\n\n

Onun fikrinc\u0259, \u0259sas m\u0259s\u0259l\u0259 stablecoin-i sad\u0259c\u0259 \u201ckripto il\u0259 \u00f6d\u0259ni\u015f\u201d kimi g\u00f6rm\u0259m\u0259kdir. Stablecoin yeni maliyy\u0259 infrastrukturu ola bil\u0259r. \u018fg\u0259r Az\u0259rbaycan bu sah\u0259y\u0259 vaxt\u0131nda v\u0259 d\u00fczg\u00fcn model il\u0259 daxil olsa, bazar par\u00e7alanmadan, riskl\u0259r b\u00f6y\u00fcm\u0259d\u0259n v\u0259 xarici stablecoin-l\u0259r dominant olmadan yerli r\u0259q\u0259msal maliyy\u0259 qat\u0131n\u0131 formala\u015fd\u0131rmaq m\u00fcmk\u00fcn ola bil\u0259r.<\/p>\n\n\n\n

\"\"<\/figure>\n","protected":false},"excerpt":{"rendered":"

Orxan \u018fhm\u0259dov: Az\u0259rbaycan \u00fc\u00e7\u00fcn ortaq OAZN stablecoin modeli daha m\u0259qs\u0259d\u0259uy\u011fun ola bil\u0259r Qlobal maliyy\u0259 v\u0259…<\/p>\n","protected":false},"author":1,"featured_media":6648,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[83,86,32,82,84,78,67,85],"class_list":{"0":"post-6646","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-crypto","8":"tag-amb","9":"tag-bonpara","10":"tag-kriptovalyuta","11":"tag-oazn","12":"tag-orxan-ehmdov","13":"tag-ousd","14":"tag-stablecoin","15":"tag-steyblcoin"},"jetpack_featured_media_url":"https:\/\/blockchain.az\/btc\/wp-content\/uploads\/2026\/07\/OAZN.png","_links":{"self":[{"href":"https:\/\/blockchain.az\/btc\/wp-json\/wp\/v2\/posts\/6646","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blockchain.az\/btc\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blockchain.az\/btc\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blockchain.az\/btc\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blockchain.az\/btc\/wp-json\/wp\/v2\/comments?post=6646"}],"version-history":[{"count":1,"href":"https:\/\/blockchain.az\/btc\/wp-json\/wp\/v2\/posts\/6646\/revisions"}],"predecessor-version":[{"id":6649,"href":"https:\/\/blockchain.az\/btc\/wp-json\/wp\/v2\/posts\/6646\/revisions\/6649"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blockchain.az\/btc\/wp-json\/wp\/v2\/media\/6648"}],"wp:attachment":[{"href":"https:\/\/blockchain.az\/btc\/wp-json\/wp\/v2\/media?parent=6646"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blockchain.az\/btc\/wp-json\/wp\/v2\/categories?post=6646"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blockchain.az\/btc\/wp-json\/wp\/v2\/tags?post=6646"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}