美國銀行巨頭Eye Stablecoin發射

在傳統金融和加密貨幣的重大發展中，據報導，美國主要銀行正在談判發起共同發行的Stablecoin。

Major U.S. banks are discussing the possibility of jointly launching a stablecoin, according to a report by Wu Blockchain.

根據Wu區塊鏈的報告，美國主要銀行正在討論共同推出Stablecoin的可能性。

The consortium includes JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo, four of the largest banking institutions in the country. The discussions also involve Early Warning Services, which operates Zelle, and The Clearing House, a key real-time payments network.

該財團包括摩根大通，美國銀行，花旗集團和富國銀行，這是該國四家最大的銀行機構。討論還涉及經營Zelle的預警服務，以及關鍵的實時支付網絡The Clearing House。

The goal is to develop a dollar-backed digital token that could simplify and speed up everyday payments for both consumers and businesses. Unlike decentralized stablecoins such as USDT or USDC, this new bank-led initiative would be fully centralized and tightly regulated.

目的是開發一個以美元支持的數字令牌，可以簡化和加快消費者和企業的日常付款。與分散的穩定者（例如USDT或USDC）不同，這項新的以銀行為主導的計劃將完全集中並受到嚴格監管。

This could make it more appealing to risk-averse users, institutions, and regulators. The project aims to bridge the gap between traditional banking and modern crypto infrastructure.

這可能使其對規避風險的用戶，機構和監管機構更具吸引力。該項目旨在彌合傳統銀行和現代加密基礎設施之間的差距。

By leveraging their existing networks and customer bases, these banks could introduce stablecoin utility to millions of users without them needing to leave their banking apps.

通過利用其現有網絡和客戶群，這些銀行可以向數百萬用戶引入Stablecoin實用程序，而無需離開銀行應用程序。

This initiative would also mark a major endorsement of blockchain-like technology by U.S. banking giants, signaling increasing institutional interest in digital assets—not just for speculation, but as practical financial tools.

這項倡議還將標誌著美國銀行巨頭對區塊鏈技術的主要認可，這表明在數字資產中增加了機構的興趣，而不僅僅是用於猜測，而是作為實際的財務工具。

Major U.S. banks including JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo are reportedly exploring the possibility of jointly issuing a stablecoin, with discussions involving Early Warning Services, the operator of the Zelle payment system, and The Clearing House, a… pic.twitter.com/w4i5zC887G

據報導

— Wu Blockchain (@WuBlockchain) May 23, 2025

- Wu區塊鏈（@wublockchain）2025年5月23日

What This Means for Crypto and Payments

這對加密和付款意味著什麼

If successful, this stablecoin could revolutionize how money moves within the U.S., especially for peer-to-peer transfers, business payments, and cross-border transactions. It may also put competitive pressure on existing stablecoins and private-sector crypto projects.

如果成功的話，這種穩定的人可能會徹底改變美國境內的貨幣如何移動，尤其是對於點對點轉移，商業支付和跨境交易。它也可能對現有的Stablecoins和私營部門加密項目構成競爭壓力。

At the same time, such a move raises questions about privacy, control, and the potential sidelining of decentralized financial platforms.

同時，這樣的舉動引發了有關隱私，控制和分散財務平台潛在局外的疑問。

Still, the fact that traditional banks are stepping into the stablecoin space shows that digital currencies are moving closer to mainstream financial ecosystems.

儘管如此，傳統銀行正在進入Stablecoin空間的事實表明，數字貨幣正靠近主流金融生態系統。