大型銀行可能會推出自己的穩定幣，以跟上金融的酷孩子

華爾街最大的銀行可能會創造自己的穩定幣，以跟上財務的酷孩子 - 也許是因為將吉列換成品牌街頭服裝是太難了。

output: As the dust settles on another round of layoffs and gilets are swapped for branded streetwear, it seems the biggest banks on Wall Street may create a stablecoin of their own to keep up with finance’s cool kids – perhaps because that's less difficult than quickly learning how to speak ‘밈’ (meme) in Korean.

輸出：隨著塵埃落定在另一輪裁員和gilets換成品牌街頭服裝時，華爾街上最大的銀行似乎可能會創造自己的穩定者，以跟上財務上的酷孩子，這也許是因為這比快速學習如何在韓國說“밈밈”（Meme）的難度要不那麼困難。

What's going on?

這是怎麼回事？

Stablecoins are digital tokens that are meant to be closely tied in value to a more traditional asset, such as a fiat currency, which in theory makes them less prone to rapid price swings than “unpegged” cryptos. And they're certainly piquing the interest of Wall Street. JPMorgan (JPM), Bank of America (BAC), Citigroup (C) and Wells Fargo (WFC) are in early-stage talks to jointly issue a stablecoin, according to people familiar with the matter.

Stablecoins是數字代幣，其價值與更傳統的資產（例如菲亞特貨幣）緊密相關，從理論上講，與“未固定”的加密貨幣相比，這使得它們更不容易快速波動。他們肯定會引起華爾街的興趣。據熟悉此事的人們說，摩根大通（JPM），美國銀行（BAC），花旗集團（C）和富國銀行（WFC）正在早期對話，共同發行穩定的人。

Their digital dollar would be backed by traditionally stable assets like Treasury bonds and channeled through existing payment networks. After all, banks have been the main point of contact for handling your money, including where it's stored (deposits) and how it moves (payments). But now, more crypto startups and tech giants are offering digital dollars in the form of stablecoins, which could make people less reliant on using traditional banks.

他們的數字美元將得到傳統上穩定的資產（例如國債債券）的支持，並通過現有的支付網絡進行了渠道。畢竟，銀行一直是處理您的資金的主要聯繫點，包括存儲的位置（存款）以及如何移動（付款）。但是現在，越來越多的加密初創公司和科技巨頭以Stablecoins的形式提供數字美元，這可能會使人們不再依賴使用傳統銀行。

That possibility seems to be growing, especially as the US president is co-signing the shift by launching his own meme coin and a dollar-backed stablecoin. It's no surprise that big banks are adapting, as control of the financial system and a large portion of the revenue generated from it are at stake.

這種可能性似乎正在增長，尤其是當美國總統通過推出自己的模因硬幣和一美元支持的Stablecoin共同簽署這一轉變時。大型銀行正在適應，因為對金融體系的控制以及從中產生的大部分收入的控制權都受到威脅。

What does it mean?

這是什麼意思？

For markets: The market for stablecoins has grown rapidly, now worth $243 billion, up from $152 billion a year ago. Not only have the coins attracted investors looking to benefit from next-generation currencies while keeping price movements in check, but they're also being used for everyday spending. For example, Visa (V) and Stripe have teamed up to allow customers in Latin America to spend digital currencies by swiping their regular plastic cards.

對於市場：Stablecoins的市場迅速增長，現在價值2430億美元，高於一年前的1520億美元。硬幣不僅吸引了希望從下一代貨幣中受益的投資者，同時保持價格變動，而且還用於日常支出。例如，Visa（V）和Stripe聯手允許拉丁美洲的客戶通過刷卡來花費數字貨幣。

Moreover, you can now earn interest on these coins, with established providers like Circle and Tether typically keeping the interest payments to themselves. However, newer entrants like Mountain Protocol (issuer of USDM) and Ethena (issuer of USDe) are distributing at least a portion of the earnings to users. In their pursuit of the best return, people have already deposited over $13 billion into interest-yielding stablecoins.

此外，您現在可以在這些硬幣上賺取利息，諸如Circle和Tether等既定提供商通常都將利息支付給自己。但是，諸如USDM的發行人（USDE的發行人）之類的新參與者（USDE的發行人）將至少部分收益分發給用戶。為了追求最佳回報，人們已經將超過130億美元的股份存放到了興趣的Stablecoins中。