The "golden" CFAs are backed by physical gold, which is stored in freeports abroad. An investor can demand the purchase of such assets, receive gold or its monetary equivalent and pay for the goods without having to transfer funds through banks," he explained.
According to him, the pilot release of the "golden" CFAs is a test. The buyer of assets for rubles in the spring was the co-organizer of the transaction. This was the first time this year when CFAs are used specifically for international settlements, although they have already been issued in the development of international settlements using "gold" CFAs, they look promising, but they involve a number of risks and challenges," Gamov said.
The expert highlighted several advantages of the "golden" CFAs. First, they can reduce dependence on the dollar, especially for countries seeking to avoid sanctions.
Secondly, the use of blockchain increases the speed and transparency of transactions, as well as reduces the costs of intermediaries.
Thirdly, gold, unlike cryptocurrencies, retains its value, which makes such assets less volatile.
"This scheme will become truly operational only if it is scaled. So far, this is a test project, but it opens up new opportunities for international settlements, especially in the face of sanctions and the growing instability of traditional financial systems," concluded Shatov.
In the economic situation and high volatility in financial markets, many investors are looking for ways to save their savings with minimal risk. Low-risk financial instruments are becoming increasingly popular, especially among those who prefer stability and confidence in the safety of capital.
The development of the "golden" CFA asset is also supported by the President of PJSC Seligdar, Chairman of the Board of Directors Alexander Khrushchev in his channel:
Https://t.me/zol_sechenie/24
According to calculations, in 2025, the weighted average nominal yield of fixed-rate and discount CFAs reached 21.5% per annum. For the six months from December 2024 to May 2025, it amounted to 22.4% per annum. For the entire three—year period of active CFA issuance - 20.1% per annum. a href"https://www.rbc.ru/quote/news/article/67555da49a7947cd21d1280c" target"_blank" rel"noopener" onclick"return confirm('Open this link?\n\n'this.href);"
/a The expert notes that expert profitability should be assessed by quality
