{"id":4243,"date":"2025-09-30T01:09:09","date_gmt":"2025-09-29T17:39:09","guid":{"rendered":"https:\/\/luatsu911.vn\/?p=4243"},"modified":"2025-09-30T01:09:09","modified_gmt":"2025-09-29T17:39:09","slug":"luat-su-911-ke-hoach-thu-nghiem-pilot-plan-trong-sandbox-fintech-theo-nghi-dinh-94-2025-nd-cp","status":"publish","type":"post","link":"https:\/\/luatsu911.vn\/?p=4243","title":{"rendered":"Lu\u1eadt s\u01b0 911: K\u1ebe HO\u1ea0CH TH\u1eec NGHI\u1ec6M (PILOT PLAN) TRONG SANDBOX FINTECH THEO NGH\u1eca \u0110\u1ecaNH 94\/2025\/N\u0110-CP"},"content":{"rendered":"<p style=\"text-align: justify;\" data-start=\"0\" data-end=\"320\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"364\" data-end=\"511\">K\u1ebe HO\u1ea0CH TH\u1eec NGHI\u1ec6M (PILOT PLAN) TRONG SANDBOX FINTECH THEO NGH\u1eca \u0110\u1ecaNH 94\/2025\/N\u0110-CP: <\/strong><\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"0\" data-end=\"320\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"364\" data-end=\"511\">PH\u00c2N T\u00cdCH PH\u00c1P L\u00dd, KINH NGHI\u1ec6M QU\u1ed0C T\u1ebe V\u00c0 GI\u1ea2I PH\u00c1P T\u01af V\u1ea4N<\/strong><\/span><\/p>\n<hr data-start=\"513\" data-end=\"516\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"518\" data-end=\"542\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">I. M\u1edf \u0111\u1ea7u<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"544\" data-end=\"938\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">S\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) \u0111ang thay \u0111\u1ed5i c\u0103n b\u1ea3n c\u00e1ch th\u1ee9c v\u1eadn h\u00e0nh c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u2013 t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u. C\u00e1c m\u00f4 h\u00ecnh m\u1edbi nh\u01b0 thanh to\u00e1n \u0111i\u1ec7n t\u1eed, cho vay ngang h\u00e0ng (P2P lending), t\u00e0i s\u1ea3n s\u1ed1, blockchain v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) mang l\u1ea1i nhi\u1ec1u c\u01a1 h\u1ed9i cho doanh nghi\u1ec7p v\u00e0 kh\u00e1ch h\u00e0ng, nh\u01b0ng c\u0169ng k\u00e9o theo r\u1ee7i ro ph\u00e1p l\u00fd, an ninh m\u1ea1ng v\u00e0 b\u1ea3o v\u1ec7 nh\u00e0 \u0111\u1ea7u t\u01b0.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"940\" data-end=\"1396\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u0110\u1ec3 dung h\u00f2a gi\u1eefa <strong data-start=\"957\" data-end=\"977\">\u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o<\/strong> v\u00e0 <strong data-start=\"981\" data-end=\"1011\">an to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh<\/strong>, Ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam \u0111\u00e3 ban h\u00e0nh <strong data-start=\"1044\" data-end=\"1071\">Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP<\/strong> ng\u00e0y 15\/7\/2025 v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t (sandbox) trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. M\u1ed9t trong nh\u1eefng y\u00eau c\u1ea7u tr\u1ecdng y\u1ebfu c\u1ee7a ngh\u1ecb \u0111\u1ecbnh l\u00e0 doanh nghi\u1ec7p ph\u1ea3i x\u00e2y d\u1ef1ng <strong data-start=\"1235\" data-end=\"1271\">K\u1ebf ho\u1ea1ch th\u1eed nghi\u1ec7m (Pilot Plan)<\/strong> chi ti\u1ebft, n\u00eau r\u00f5 m\u1ee5c ti\u00eau, ph\u1ea1m vi, bi\u1ec7n ph\u00e1p qu\u1ea3n tr\u1ecb r\u1ee7i ro, ch\u00ednh s\u00e1ch b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng v\u00e0 k\u1ebf ho\u1ea1ch tho\u00e1t (exit plan).<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"1398\" data-end=\"1650\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">B\u00e0i vi\u1ebft n\u00e0y ph\u00e2n t\u00edch c\u01a1 s\u1edf ph\u00e1p l\u00fd, gi\u1ea3i th\u00edch t\u1eebng ph\u1ea7n trong M\u1eabu K\u1ebf ho\u1ea1ch th\u1eed nghi\u1ec7m, \u0111\u1ed1i chi\u1ebfu v\u1edbi kinh nghi\u1ec7m qu\u1ed1c t\u1ebf (Anh, Singapore) v\u00e0 \u0111\u1ec1 xu\u1ea5t d\u1ecbch v\u1ee5 ph\u00e1p l\u00fd c\u1ee7a <strong data-start=\"1570\" data-end=\"1585\">Lu\u1eadt s\u01b0 911<\/strong> \u2013 \u0111\u01a1n v\u1ecb ti\u00ean phong trong t\u01b0 v\u1ea5n sandbox Fintech t\u1ea1i Vi\u1ec7t Nam.<\/span><\/p>\n<hr data-start=\"1652\" data-end=\"1655\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"1657\" data-end=\"1691\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">II. Th\u00f4ng tin chung\u00a0<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"1693\" data-end=\"1771\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ph\u1ea7n <strong data-start=\"1698\" data-end=\"1717\">Th\u00f4ng tin chung<\/strong> trong K\u1ebf ho\u1ea1ch th\u1eed nghi\u1ec7m nh\u1eb1m \u0111\u1ecbnh danh \u0111\u1ea7y \u0111\u1ee7 v\u1ec1:<\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"1772\" data-end=\"2125\">\n<li data-start=\"1772\" data-end=\"1881\">\n<p data-start=\"1774\" data-end=\"1881\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"1774\" data-end=\"1808\">Doanh nghi\u1ec7p\/\u0111\u01a1n v\u1ecb th\u1eed nghi\u1ec7m<\/strong>: t\u00ean, gi\u1ea5y ph\u00e9p kinh doanh, n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh, kinh nghi\u1ec7m c\u00f4ng ngh\u1ec7.<\/span><\/p>\n<\/li>\n<li data-start=\"1882\" data-end=\"1995\">\n<p data-start=\"1884\" data-end=\"1995\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"1884\" data-end=\"1915\">S\u1ea3n ph\u1ea9m\/d\u1ecbch v\u1ee5 th\u1eed nghi\u1ec7m<\/strong>: m\u00f4 t\u1ea3 c\u00f4ng ngh\u1ec7, \u0111i\u1ec3m m\u1edbi so v\u1edbi th\u1ecb tr\u01b0\u1eddng, m\u1ee5c ti\u00eau gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0o.<\/span><\/p>\n<\/li>\n<li data-start=\"1996\" data-end=\"2125\">\n<p data-start=\"1998\" data-end=\"2125\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"1998\" data-end=\"2021\">M\u1ee5c ti\u00eau th\u1eed nghi\u1ec7m<\/strong>: v\u00ed d\u1ee5 t\u1ed1i \u01b0u h\u00f3a e-KYC, tri\u1ec3n khai thanh to\u00e1n di \u0111\u1ed9ng v\u00f9ng s\u00e2u xa, th\u1eed nghi\u1ec7m P2P lending minh b\u1ea1ch.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"2127\" data-end=\"2308\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2127\" data-end=\"2147\">\u00dd ngh\u0129a ph\u00e1p l\u00fd:<\/strong> \u0110\u00e2y l\u00e0 c\u0103n c\u1ee9 \u0111\u1ec3 NHNN th\u1ea9m \u0111\u1ecbnh n\u0103ng l\u1ef1c, \u0111\u00e1nh gi\u00e1 t\u00ednh minh b\u1ea1ch v\u00e0 x\u00e1c \u0111\u1ecbnh s\u1ea3n ph\u1ea9m c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi ph\u1ea1m vi sandbox kh\u00f4ng (\u0110i\u1ec1u 12 Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP).<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"2310\" data-end=\"2504\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2310\" data-end=\"2334\">D\u1ecbch v\u1ee5 Lu\u1eadt s\u01b0 911:<\/strong> H\u1ed7 tr\u1ee3 doanh nghi\u1ec7p r\u00e0 so\u00e1t h\u1ed3 s\u01a1 ph\u00e1p l\u00fd, m\u00f4 t\u1ea3 s\u1ea3n ph\u1ea9m r\u00f5 r\u00e0ng v\u00e0 x\u00e2y d\u1ef1ng m\u1ee5c ti\u00eau th\u1eed nghi\u1ec7m g\u1eafn v\u1edbi nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng, tr\u00e1nh r\u1ee7i ro b\u1ecb t\u1eeb ch\u1ed1i ngay t\u1eeb b\u01b0\u1edbc \u0111\u1ea7u.<\/span><\/p>\n<hr data-start=\"2506\" data-end=\"2509\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"2511\" data-end=\"2549\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">III. Ph\u1ea1m vi th\u1eed nghi\u1ec7m\u00a0<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"2551\" data-end=\"2670\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Ph\u1ea1m vi th\u1eed nghi\u1ec7m quy \u0111\u1ecbnh <strong data-start=\"2579\" data-end=\"2591\">gi\u1edbi h\u1ea1n<\/strong> v\u1ec1 kh\u00e1ch h\u00e0ng, s\u1ed1 l\u01b0\u1ee3ng v\u00e0 gi\u00e1 tr\u1ecb giao d\u1ecbch, th\u1eddi gian, khu v\u1ef1c tri\u1ec3n khai.<\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"2672\" data-end=\"2963\">\n<li data-start=\"2672\" data-end=\"2799\">\n<p data-start=\"2674\" data-end=\"2799\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2674\" data-end=\"2697\">Kh\u00e1ch h\u00e0ng m\u1ee5c ti\u00eau<\/strong>: sandbox th\u01b0\u1eddng \u01b0u ti\u00ean nh\u00f3m nh\u1ecf, c\u00f3 hi\u1ec3u bi\u1ebft (v\u00ed d\u1ee5 nh\u00f3m kh\u00e1ch h\u00e0ng t\u1ed5 ch\u1ee9c, \u0111\u1ed1i t\u00e1c th\u1eed nghi\u1ec7m).<\/span><\/p>\n<\/li>\n<li data-start=\"2800\" data-end=\"2881\">\n<p data-start=\"2802\" data-end=\"2881\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2802\" data-end=\"2819\">Gi\u1edbi h\u1ea1n caps<\/strong>: s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng, s\u1ed1 giao d\u1ecbch, t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch.<\/span><\/p>\n<\/li>\n<li data-start=\"2882\" data-end=\"2963\">\n<p data-start=\"2884\" data-end=\"2963\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2884\" data-end=\"2897\">Th\u1eddi gian<\/strong>: t\u1ed1i \u0111a 2 n\u0103m, c\u00f3 th\u1ec3 gia h\u1ea1n th\u00eam 1 n\u0103m (\u0110i\u1ec1u 6 Ngh\u1ecb \u0111\u1ecbnh 94).<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"2965\" data-end=\"2987\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2965\" data-end=\"2985\">So s\u00e1nh qu\u1ed1c t\u1ebf:<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"2988\" data-end=\"3180\">\n<li data-start=\"2988\" data-end=\"3091\">\n<p data-start=\"2990\" data-end=\"3091\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"2990\" data-end=\"3003\">Anh (FCA)<\/strong>: chia sandbox th\u00e0nh c\u00e1c \u201ccohort\u201d, m\u1ed7i doanh nghi\u1ec7p th\u1eed nghi\u1ec7m trong ph\u1ea1m vi ch\u1eb7t ch\u1ebd.<\/span><\/p>\n<\/li>\n<li data-start=\"3092\" data-end=\"3180\">\n<p data-start=\"3094\" data-end=\"3180\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3094\" data-end=\"3113\">Singapore (MAS)<\/strong>: c\u00f3 sandbox \u201cexpress\u201d cho d\u1ecbch v\u1ee5 \u00edt r\u1ee7i ro, th\u1eddi gian ng\u1eafn h\u01a1n.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"3182\" data-end=\"3368\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3182\" data-end=\"3206\">D\u1ecbch v\u1ee5 Lu\u1eadt s\u01b0 911:<\/strong> T\u01b0 v\u1ea5n doanh nghi\u1ec7p x\u00e1c \u0111\u1ecbnh ph\u1ea1m vi h\u1ee3p l\u00fd \u2013 v\u1eeba \u0111\u1ea3m b\u1ea3o thu th\u1eadp d\u1eef li\u1ec7u, v\u1eeba ph\u00f9 h\u1ee3p kh\u1ea3 n\u0103ng qu\u1ea3n tr\u1ecb r\u1ee7i ro, \u0111\u1ed3ng th\u1eddi chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 gi\u1ea3i tr\u00ecnh v\u1edbi NHNN.<\/span><\/p>\n<hr data-start=\"3370\" data-end=\"3373\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"3375\" data-end=\"3423\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">IV. K\u1ebf ho\u1ea1ch tri\u1ec3n khai giai \u0111o\u1ea1n<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"3425\" data-end=\"3493\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">M\u1ed9t K\u1ebf ho\u1ea1ch th\u1eed nghi\u1ec7m ph\u1ea3i chia th\u00e0nh c\u00e1c <strong data-start=\"3469\" data-end=\"3490\">giai \u0111o\u1ea1n r\u00f5 r\u00e0ng<\/strong>:<\/span><\/p>\n<ol style=\"text-align: justify;\" data-start=\"3495\" data-end=\"3724\">\n<li data-start=\"3495\" data-end=\"3577\">\n<p data-start=\"3498\" data-end=\"3577\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3498\" data-end=\"3525\">Giai \u0111o\u1ea1n 1 (0\u20133 th\u00e1ng)<\/strong>: th\u1eed nghi\u1ec7m n\u1ed9i b\u1ed9, ki\u1ec3m ch\u1ee9ng k\u1ef9 thu\u1eadt, b\u1ea3o m\u1eadt.<\/span><\/p>\n<\/li>\n<li data-start=\"3578\" data-end=\"3651\">\n<p data-start=\"3581\" data-end=\"3651\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3581\" data-end=\"3608\">Giai \u0111o\u1ea1n 2 (3\u20139 th\u00e1ng)<\/strong>: th\u1eed nghi\u1ec7m v\u1edbi nh\u00f3m kh\u00e1ch h\u00e0ng h\u1ea1n ch\u1ebf.<\/span><\/p>\n<\/li>\n<li data-start=\"3652\" data-end=\"3724\">\n<p data-start=\"3655\" data-end=\"3724\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3655\" data-end=\"3683\">Giai \u0111o\u1ea1n 3 (9\u201318 th\u00e1ng)<\/strong>: m\u1edf r\u1ed9ng quy m\u00f4 trong ph\u1ea1m vi sandbox.<\/span><\/p>\n<\/li>\n<\/ol>\n<p style=\"text-align: justify;\" data-start=\"3726\" data-end=\"3824\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3726\" data-end=\"3738\">\u00dd ngh\u0129a:<\/strong> C\u00e1ch ti\u1ebfp c\u1eadn t\u1eebng b\u01b0\u1edbc gi\u00fap doanh nghi\u1ec7p qu\u1ea3n l\u00fd r\u1ee7i ro t\u1ed1t h\u01a1n, NHNN d\u1ec5 gi\u00e1m s\u00e1t.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"3826\" data-end=\"3852\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"3826\" data-end=\"3850\">Kinh nghi\u1ec7m qu\u1ed1c t\u1ebf:<\/strong><\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"3853\" data-end=\"4002\">\n<li data-start=\"3853\" data-end=\"3916\">\n<p data-start=\"3855\" data-end=\"3916\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">FCA Anh: lu\u00f4n y\u00eau c\u1ea7u exit point r\u00f5 r\u00e0ng sau m\u1ed7i giai \u0111o\u1ea1n.<\/span><\/p>\n<\/li>\n<li data-start=\"3917\" data-end=\"4002\">\n<p data-start=\"3919\" data-end=\"4002\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">MAS Singapore: \u00e1p d\u1ee5ng m\u00f4 h\u00ecnh \u201cfail fast\u201d \u2013 n\u1ebfu s\u1ea3n ph\u1ea9m kh\u00f4ng \u0111\u1ea1t th\u00ec d\u1eebng s\u1edbm.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"4004\" data-end=\"4158\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"4004\" data-end=\"4028\">D\u1ecbch v\u1ee5 Lu\u1eadt s\u01b0 911:<\/strong> X\u00e2y d\u1ef1ng l\u1ed9 tr\u00ecnh pilot ph\u00f9 h\u1ee3p, d\u1ef1 li\u1ec7u ph\u00e1p l\u00fd cho t\u1eebng giai \u0111o\u1ea1n, gi\u00fap doanh nghi\u1ec7p c\u00f3 k\u1ebf ho\u1ea1ch tho\u00e1t an to\u00e0n khi g\u1eb7p s\u1ef1 c\u1ed1.<\/span><\/p>\n<hr data-start=\"4160\" data-end=\"4163\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"4165\" data-end=\"4207\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">V. Bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro\u00a0<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"4209\" data-end=\"4301\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u0110\u00e2y l\u00e0 ph\u1ea7n quan tr\u1ecdng nh\u1ea5t trong K\u1ebf ho\u1ea1ch th\u1eed nghi\u1ec7m. Doanh nghi\u1ec7p ph\u1ea3i ph\u00e2n t\u00edch r\u1ee7i ro:<\/span><\/p>\n<ol style=\"text-align: justify;\" data-start=\"4303\" data-end=\"4726\">\n<li data-start=\"4303\" data-end=\"4403\">\n<p data-start=\"4306\" data-end=\"4403\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"4306\" data-end=\"4326\">R\u1ee7i ro ho\u1ea1t \u0111\u1ed9ng<\/strong>: l\u1ed7i h\u1ec7 th\u1ed1ng, gi\u00e1n \u0111o\u1ea1n d\u1ecbch v\u1ee5 \u2192 c\u1ea7n k\u1ebf ho\u1ea1ch backup, disaster recovery.<\/span><\/p>\n<\/li>\n<li data-start=\"4404\" data-end=\"4516\">\n<p data-start=\"4407\" data-end=\"4516\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"4407\" data-end=\"4425\">R\u1ee7i ro ph\u00e1p l\u00fd<\/strong>: tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng \u0111i\u1ec7n t\u1eed, quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n s\u1ed1 \u2192 c\u1ea7n \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng r\u00f5 r\u00e0ng.<\/span><\/p>\n<\/li>\n<li data-start=\"4517\" data-end=\"4615\">\n<p data-start=\"4520\" data-end=\"4615\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"4520\" data-end=\"4546\">R\u1ee7i ro d\u1eef li\u1ec7u c\u00e1 nh\u00e2n<\/strong>: l\u1ed9 l\u1ecdt th\u00f4ng tin \u2192 c\u1ea7n tu\u00e2n th\u1ee7 ISO 27001, SOC2, pentest \u0111\u1ecbnh k\u1ef3.<\/span><\/p>\n<\/li>\n<li data-start=\"4616\" data-end=\"4726\">\n<p data-start=\"4619\" data-end=\"4726\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"4619\" data-end=\"4647\">R\u1ee7i ro gian l\u1eadn, AML\/KYC<\/strong>: b\u1ecb l\u1ee3i d\u1ee5ng r\u1eeda ti\u1ec1n, l\u1eeba \u0111\u1ea3o \u2192 c\u1ea7n e-KYC, gi\u00e1m s\u00e1t giao d\u1ecbch, b\u00e1o c\u00e1o SAR.<\/span><\/p>\n<\/li>\n<\/ol>\n<p style=\"text-align: justify;\" data-start=\"4728\" data-end=\"4841\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"4728\" data-end=\"4748\">So s\u00e1nh qu\u1ed1c t\u1ebf:<\/strong> Singapore y\u00eau c\u1ea7u k\u00fd qu\u1ef9 ho\u1eb7c b\u1ea3o hi\u1ec3m sandbox \u0111\u1ec3 b\u1ed3i th\u01b0\u1eddng; Anh nh\u1ea5n m\u1ea1nh audit \u0111\u1ed9c l\u1eadp.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"4843\" data-end=\"5028\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"4843\" data-end=\"4867\">D\u1ecbch v\u1ee5 Lu\u1eadt s\u01b0 911:<\/strong> So\u1ea1n th\u1ea3o b\u00e1o c\u00e1o ph\u00e2n t\u00edch r\u1ee7i ro, x\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch AML\/KYC, chu\u1ea9n b\u1ecb ch\u1ee9ng t\u1eeb ISO\/SOC2, t\u01b0 v\u1ea5n thi\u1ebft l\u1eadp qu\u1ef9 d\u1ef1 ph\u00f2ng ho\u1eb7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m.<\/span><\/p>\n<hr data-start=\"5030\" data-end=\"5033\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"5035\" data-end=\"5082\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">VI. Ch\u00ednh s\u00e1ch b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng\u00a0<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"5084\" data-end=\"5160\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Kh\u00e1ch h\u00e0ng trong sandbox c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 \u0111\u1eb7c bi\u1ec7t v\u00ec d\u1ecbch v\u1ee5 ch\u01b0a \u1ed5n \u0111\u1ecbnh.<\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"5162\" data-end=\"5378\">\n<li data-start=\"5162\" data-end=\"5282\">\n<p data-start=\"5164\" data-end=\"5282\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5164\" data-end=\"5208\">Quy \u0111\u1ecbnh ph\u00e1p l\u00fd (\u0110i\u1ec1u 12 Ngh\u1ecb \u0111\u1ecbnh 94):<\/strong> doanh nghi\u1ec7p ph\u1ea3i c\u00f3 c\u01a1 ch\u1ebf gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i, b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i.<\/span><\/p>\n<\/li>\n<li data-start=\"5283\" data-end=\"5378\">\n<p data-start=\"5285\" data-end=\"5378\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5285\" data-end=\"5304\">C\u01a1 ch\u1ebf th\u1ef1c t\u1ebf:<\/strong> qu\u1ef9 b\u1ed3i th\u01b0\u1eddng, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m, quy tr\u00ecnh ph\u1ea3n h\u1ed3i trong 15 ng\u00e0y.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"5380\" data-end=\"5489\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5380\" data-end=\"5400\">So s\u00e1nh qu\u1ed1c t\u1ebf:<\/strong> MAS y\u00eau c\u1ea7u c\u00f4ng khai th\u00f4ng tin r\u1ee7i ro cho kh\u00e1ch h\u00e0ng; FCA gi\u1edbi h\u1ea1n kh\u00e1ch h\u00e0ng retail.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"5491\" data-end=\"5666\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5491\" data-end=\"5515\">D\u1ecbch v\u1ee5 Lu\u1eadt s\u01b0 911:<\/strong> Thi\u1ebft k\u1ebf quy tr\u00ecnh khi\u1ebfu n\u1ea1i \u2013 b\u1ed3i th\u01b0\u1eddng, so\u1ea1n h\u1ee3p \u0111\u1ed3ng th\u1eed nghi\u1ec7m v\u1edbi kh\u00e1ch h\u00e0ng (sandbox user agreement), v\u00e0 \u0111\u00e0o t\u1ea1o nh\u00e2n s\u1ef1 ti\u1ebfp nh\u1eadn khi\u1ebfu n\u1ea1i.<\/span><\/p>\n<hr data-start=\"5668\" data-end=\"5671\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"5673\" data-end=\"5702\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">VII. Exit Plan\u00a0<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"5704\" data-end=\"5777\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">Exit plan l\u00e0 \u201cl\u1ed1i tho\u00e1t an to\u00e0n\u201d khi th\u1eed nghi\u1ec7m k\u1ebft th\u00fac ho\u1eb7c th\u1ea5t b\u1ea1i.<\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"5779\" data-end=\"5964\">\n<li data-start=\"5779\" data-end=\"5866\">\n<p data-start=\"5781\" data-end=\"5866\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5781\" data-end=\"5804\">\u0110i\u1ec1u ki\u1ec7n k\u1ebft th\u00fac:<\/strong> h\u1ebft th\u1eddi h\u1ea1n 2 n\u0103m, NHNN ho\u1eb7c doanh nghi\u1ec7p quy\u1ebft \u0111\u1ecbnh d\u1eebng.<\/span><\/p>\n<\/li>\n<li data-start=\"5867\" data-end=\"5964\">\n<p data-start=\"5869\" data-end=\"5964\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5869\" data-end=\"5883\">Ph\u01b0\u01a1ng \u00e1n:<\/strong> ho\u00e0n tr\u1ea3 t\u00e0i s\u1ea3n, d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng trong 30 ng\u00e0y; c\u00f4ng b\u1ed1 k\u1ebf ho\u1ea1ch ch\u1ea5m d\u1ee9t.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"5966\" data-end=\"6037\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"5966\" data-end=\"5992\">Kinh nghi\u1ec7m Singapore:<\/strong> lu\u00f4n y\u00eau c\u1ea7u exit plan ngay khi n\u1ed9p h\u1ed3 s\u01a1.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"6039\" data-end=\"6199\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6039\" data-end=\"6063\">D\u1ecbch v\u1ee5 Lu\u1eadt s\u01b0 911:<\/strong> So\u1ea1n k\u1ebf ho\u1ea1ch exit, d\u1ef1 li\u1ec7u x\u1eed l\u00fd h\u1ee3p \u0111\u1ed3ng d\u1edf dang, h\u01b0\u1edbng d\u1eabn doanh nghi\u1ec7p th\u1ee7 t\u1ee5c b\u00e1o c\u00e1o v\u00e0 xin chuy\u1ec3n \u0111\u1ed5i sang d\u1ecbch v\u1ee5 ch\u00ednh th\u1ee9c.<\/span><\/p>\n<hr data-start=\"6201\" data-end=\"6204\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"6206\" data-end=\"6251\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">VIII. KPIs \u0111\u00e1nh gi\u00e1 th\u1eed nghi\u1ec7m<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"6253\" data-end=\"6313\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">KPIs l\u00e0 c\u00f4ng c\u1ee5 \u0111\u1ec3 NHNN v\u00e0 doanh nghi\u1ec7p \u0111o l\u01b0\u1eddng hi\u1ec7u qu\u1ea3:<\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"6314\" data-end=\"6508\">\n<li data-start=\"6314\" data-end=\"6347\">\n<p data-start=\"6316\" data-end=\"6347\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">S\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng tham gia.<\/span><\/p>\n<\/li>\n<li data-start=\"6348\" data-end=\"6379\">\n<p data-start=\"6350\" data-end=\"6379\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u1ef7 l\u1ec7 giao d\u1ecbch th\u00e0nh c\u00f4ng.<\/span><\/p>\n<\/li>\n<li data-start=\"6380\" data-end=\"6428\">\n<p data-start=\"6382\" data-end=\"6428\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u1ef7 l\u1ec7 s\u1ef1 c\u1ed1 k\u1ef9 thu\u1eadt v\u00e0 th\u1eddi gian kh\u1eafc ph\u1ee5c.<\/span><\/p>\n<\/li>\n<li data-start=\"6429\" data-end=\"6466\">\n<p data-start=\"6431\" data-end=\"6466\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">T\u1ef7 l\u1ec7 khi\u1ebfu n\u1ea1i, th\u1eddi gian x\u1eed l\u00fd.<\/span><\/p>\n<\/li>\n<li data-start=\"6467\" data-end=\"6508\">\n<p data-start=\"6469\" data-end=\"6508\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">M\u1ee9c \u0111\u1ed9 tu\u00e2n th\u1ee7 AML (s\u1ed1 b\u00e1o c\u00e1o SAR).<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"6510\" data-end=\"6621\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6510\" data-end=\"6534\">D\u1ecbch v\u1ee5 Lu\u1eadt s\u01b0 911:<\/strong> H\u1ed7 tr\u1ee3 x\u00e2y d\u1ef1ng b\u1ed9 KPI ph\u00f9 h\u1ee3p, thi\u1ebft k\u1ebf bi\u1ec3u m\u1eabu b\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3\/\u0111\u1ed9t xu\u1ea5t g\u1eedi NHNN.<\/span><\/p>\n<hr data-start=\"6623\" data-end=\"6626\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"6628\" data-end=\"6670\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">IX. Vai tr\u00f2 c\u1ee7a Lu\u1eadt s\u01b0 911\u00a0<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"6672\" data-end=\"6766\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6672\" data-end=\"6687\">Lu\u1eadt s\u01b0 911<\/strong>, do <strong data-start=\"6692\" data-end=\"6716\">Lu\u1eadt s\u01b0 V\u0169 Ng\u1ecdc D\u0169ng<\/strong> s\u00e1ng l\u1eadp, cung c\u1ea5p d\u1ecbch v\u1ee5 tr\u1ecdn g\u00f3i v\u1ec1 sandbox:<\/span><\/p>\n<ul style=\"text-align: justify;\" data-start=\"6767\" data-end=\"7011\">\n<li data-start=\"6767\" data-end=\"6844\">\n<p data-start=\"6769\" data-end=\"6844\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6769\" data-end=\"6790\">Tr\u01b0\u1edbc th\u1eed nghi\u1ec7m:<\/strong> t\u01b0 v\u1ea5n \u0111i\u1ec1u ki\u1ec7n, chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1, ph\u00e2n t\u00edch r\u1ee7i ro.<\/span><\/p>\n<\/li>\n<li data-start=\"6845\" data-end=\"6922\">\n<p data-start=\"6847\" data-end=\"6922\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6847\" data-end=\"6868\">Trong th\u1eed nghi\u1ec7m:<\/strong> t\u01b0 v\u1ea5n h\u1ee3p \u0111\u1ed3ng, gi\u00e1m s\u00e1t ph\u00e1p l\u00fd, b\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3.<\/span><\/p>\n<\/li>\n<li data-start=\"6923\" data-end=\"7011\">\n<p data-start=\"6925\" data-end=\"7011\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\"><strong data-start=\"6925\" data-end=\"6938\">Khi exit:<\/strong> so\u1ea1n k\u1ebf ho\u1ea1ch tho\u00e1t, x\u1eed l\u00fd tranh ch\u1ea5p, h\u1ed7 tr\u1ee3 th\u01b0\u01a1ng m\u1ea1i h\u00f3a s\u1ea3n ph\u1ea9m.<\/span><\/p>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\" data-start=\"7013\" data-end=\"7202\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\u0110i\u1ec3m m\u1ea1nh c\u1ee7a Lu\u1eadt s\u01b0 911 l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p <strong data-start=\"7053\" data-end=\"7084\">kinh nghi\u1ec7m ph\u00e1p l\u00fd qu\u1ed1c t\u1ebf<\/strong> v\u00e0 <strong data-start=\"7088\" data-end=\"7119\">am hi\u1ec3u th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam<\/strong>, mang l\u1ea1i gi\u1ea3i ph\u00e1p ph\u00e1p l\u00fd an to\u00e0n, linh ho\u1ea1t, t\u1ed1i \u01b0u cho doanh nghi\u1ec7p Fintech.<\/span><\/p>\n<hr data-start=\"7204\" data-end=\"7207\" \/>\n<h2 style=\"text-align: justify;\" data-start=\"7209\" data-end=\"7235\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">X. S\u1ef1 c\u1ea7n thi\u1ebft\u00a0<\/span><\/h2>\n<p style=\"text-align: justify;\" data-start=\"7237\" data-end=\"7539\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">K\u1ebf ho\u1ea1ch th\u1eed nghi\u1ec7m (Pilot Plan) kh\u00f4ng ch\u1ec9 l\u00e0 y\u00eau c\u1ea7u th\u1ee7 t\u1ee5c theo Ngh\u1ecb \u0111\u1ecbnh 94\/2025\/N\u0110-CP m\u00e0 c\u00f2n l\u00e0 <strong data-start=\"7338\" data-end=\"7359\">b\u1ea3n \u0111\u1ed3 chi\u1ebfn l\u01b0\u1ee3c<\/strong> cho s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a doanh nghi\u1ec7p trong sandbox. M\u1ed9t k\u1ebf ho\u1ea1ch t\u1ed1t s\u1ebd c\u00e2n b\u1eb1ng \u0111\u01b0\u1ee3c <strong data-start=\"7444\" data-end=\"7465\">kh\u00e1t v\u1ecdng \u0111\u1ed5i m\u1edbi<\/strong> v\u1edbi <strong data-start=\"7470\" data-end=\"7536\">y\u00eau c\u1ea7u b\u1ea3o v\u1ec7 h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh v\u00e0 quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi ti\u00eau d\u00f9ng<\/strong>.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"7541\" data-end=\"7780\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">V\u1edbi chuy\u00ean m\u00f4n v\u00e0 kinh nghi\u1ec7m, <strong data-start=\"7572\" data-end=\"7587\">Lu\u1eadt s\u01b0 911<\/strong> cam k\u1ebft \u0111\u1ed3ng h\u00e0nh c\u00f9ng doanh nghi\u1ec7p t\u1eeb l\u00fac chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 \u0111\u1ebfn khi k\u1ebft th\u00fac th\u1eed nghi\u1ec7m, gi\u00fap bi\u1ebfn sandbox th\u00e0nh c\u01a1 h\u1ed9i \u0111\u1ec3 <strong data-start=\"7709\" data-end=\"7777\">chuy\u1ec3n \u0111\u1ed5i s\u00e1ng t\u1ea1o th\u00e0nh gi\u00e1 tr\u1ecb th\u01b0\u01a1ng m\u1ea1i an to\u00e0n v\u00e0 b\u1ec1n v\u1eefng<\/strong>.<\/span><\/p>\n<p style=\"text-align: justify;\" data-start=\"7782\" data-end=\"7860\"><span style=\"font-size: 14pt; font-family: 'times new roman', times, serif;\">\ud83d\udccc <strong data-start=\"7785\" data-end=\"7858\">Li\u00ean h\u1ec7 Lu\u1eadt s\u01b0 911 \u2013 Hotline: 0386 319 999 | Website: <a href=\"https:\/\/luatsu911.vn\">www.luatsu911.vn<\/a><\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>K\u1ebe HO\u1ea0CH TH\u1eec NGHI\u1ec6M (PILOT PLAN) TRONG SANDBOX FINTECH THEO NGH\u1eca \u0110\u1ecaNH 94\/2025\/N\u0110-CP: PH\u00c2N T\u00cdCH PH\u00c1P L\u00dd, KINH NGHI\u1ec6M QU\u1ed0C T\u1ebe V\u00c0 GI\u1ea2I PH\u00c1P T\u01af V\u1ea4N I. M\u1edf \u0111\u1ea7u S\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) \u0111ang thay \u0111\u1ed5i c\u0103n b\u1ea3n c\u00e1ch th\u1ee9c v\u1eadn h\u00e0nh c\u1ee7a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u2013 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4223,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[75,215,27],"tags":[],"class_list":["post-4243","post","type-post","status-publish","format-standard","has-post-thumbnail","category-doanh-nghiep","category-fintech-va-phap-ly","category-giay-phep-tai-san-so"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Lu\u1eadt s\u01b0 911: K\u1ebe HO\u1ea0CH TH\u1eec NGHI\u1ec6M (PILOT PLAN) TRONG SANDBOX FINTECH THEO NGH\u1eca \u0110\u1ecaNH 94\/2025\/N\u0110-CP - Lu\u1eadt S\u01b0 911- Lu\u1eadt s\u01b0 v\u1ec1 Blockchain, crypto, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m&amp;a, h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/luatsu911.vn\/?p=4243\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lu\u1eadt s\u01b0 911: K\u1ebe HO\u1ea0CH TH\u1eec NGHI\u1ec6M (PILOT PLAN) TRONG SANDBOX FINTECH THEO NGH\u1eca \u0110\u1ecaNH 94\/2025\/N\u0110-CP - Lu\u1eadt S\u01b0 911- Lu\u1eadt s\u01b0 v\u1ec1 Blockchain, crypto, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, m&amp;a, h\u1ee3p \u0111\u1ed3ng kinh t\u1ebf\" \/>\n<meta property=\"og:description\" content=\"K\u1ebe HO\u1ea0CH TH\u1eec NGHI\u1ec6M (PILOT PLAN) TRONG SANDBOX FINTECH THEO NGH\u1eca \u0110\u1ecaNH 94\/2025\/N\u0110-CP: PH\u00c2N T\u00cdCH PH\u00c1P L\u00dd, KINH NGHI\u1ec6M QU\u1ed0C T\u1ebe V\u00c0 GI\u1ea2I PH\u00c1P T\u01af V\u1ea4N I. 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