النظام القانوني للبنك الرقمي في القانون الجزائري

Abstract

This study analyzes the legal framework for digital banks in Algerian legislation, examining their conceptual definition, operations, and establishment conditions under Law No 23-09 and Bank of Algeria Regulation No 24-04 A descriptive-analytical approach was adopted The study finds that the Algerian legislator recognized the digital bank as an independent entity operating exclusively through digital platforms, subject to strict establishment requirements including a minimum capital of ten billion dinars and mandatory licensing and accreditation stages, while revealing legislative gaps regarding the absence of legal deadlines for processing applications, The study recommends setting explicit deadlines and issuing specific regulations for digital lending and smart contracts.