美國銀行JPMorgan，美國銀行探索啟動共享Stablecoin

一群美國主要銀行，摩根大通，美國銀行，花旗集團和富國銀行，正在早期討論，可能會推出共享的Stablecoin。

A group of major U.S. banks, including JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo, is in early discussions to potentially launch a shared stablecoin, according to a report by The Wall Street Journal. The plan would also include Early Warning Services, the company behind the popular payment service Zelle, and The Clearing House, a significant real-time payments system.

根據《華爾街日報》的一份報告，一組美國主要銀行，包括摩根大通，美國銀行，花旗集團和富國銀行，正在早期討論，以可能推出共享的Stablecoin。該計劃還將包括預警服務，受歡迎的支付服務Zelle背後的公司以及大量的實時支付系統的交換所。

The proposal, still in the conceptual stages, has been spurred by a desire among legacy banks to innovate as a collective force. This move comes in response to the rapid expansion of cryptocurrency platforms, many of which offer decentralized and largely institution-free financial services.

該提案仍處於概念階段，這是由於傳統銀行中的渴望作為集體力量而刺激了這一提議。此舉是為了響應加密貨幣平台的快速擴展，其中許多平台提供了分散且在很大程度上不含機構的金融服務。

Stablecoins, digital currencies pegged to stable assets like the U.S. dollar, have become integral to the crypto economy due to their low volatility levels. The banks’ interest in such an instrument underscores the broader industry recognition of the value and utility of stablecoins, along with the need for upgrading existing financial technology.

穩定的數字貨幣與穩定資產（如美元）掛鉤，由於其波動率低，已成為加密經濟不可或缺的一部分。銀行對這種工具的興趣強調了對穩定幣的價值和實用性的廣泛認識，以及升級現有金融技術的需求。

A consortium-backed stablecoin could provide institutional and individual customers with a regulated and reputable option. It would also allow other non-member banks to participate, potentially boosting the stablecoin’s liquidity and accessibility within the U.S. financial system.

由財團支持的Stablecoin可以為機構和個人客戶提供受監管且信譽良好的選擇。它還將允許其他非會員銀行參與，從而有可能提高美國金融體系內穩定的流動性和可及性。

However, the tie-up is still in its nascent stages, and none of the banks involved have made any announcements or confirmations regarding the venture. Any such joint venture would face regulatory obstacles, technological challenges, and the need to coordinate standards among the various participants.

但是，合作階段仍處於新生階段，涉及的銀行都沒有關於該合資企業的任何公告或確認。任何此類合資企業都將面臨監管障礙，技術挑戰，並需要協調各個參與者的標準。

The concept of a joint bank-backed stablecoin also comes at a time when digital currency policy is gaining more attention within American politics. Earlier this year, a bipartisan group of U.S. lawmakers introduced a bill that would grant the Securities and Exchange Commission broad authority to regulate stablecoins.

聯合銀行支持的Stablecoin的概念也出現在數字貨幣政策在美國政治中受到更多關注的時候。今年早些時候，美國立法者的兩黨組提出了一項法案，該法案將授予美國證券交易委員會的廣泛權力來規範穩定的穩定。

Public figures’ recent comments in favor of crypto are also placing more emphasis on established financial institutions to modernize their offerings. Otherwise, they risk losing relevance and market share in an increasingly digitized and decentralized economic landscape.

公眾人物最近對加密貨幣的評論也更加重視已建立的金融機構，以使其產品現代化。否則，他們可能會在越來越多的數字化和分散的經濟格局中失去相關性和市場份額。

Despite the discussions, the final form and viability of the venture will depend on several factors, including regulatory guidance, public trust, and the pace of technological adoption.

儘管進行了討論，但該合資企業的最終形式和可行性將取決於幾個因素，包括監管指導，公共信任和技術採用的步伐。