大銀行可以在穩定的人數上找到安全

共同努力可以使他們免受任何用於為犯罪或恐怖提供資金的硬幣的聲譽風險。

Banks are contemplating a role for themselves in stablecoins if pending US legislation helps take cryptocurrencies and their gateway products mainstream.

銀行正在考慮在美國立法及其立法有助於接受加密貨幣及其門戶產品主流的情況下為自己的角色發揮作用。

Companies owned by Bank of America Corp., Citigroup Inc., JPMorgan and Wells Fargo have discussed jointly issued coins, the Wall Street Journal reported on Monday, citing people familiar with the matter.

《華爾街日報》報導，由美國銀行公司，花旗集團，摩根大通和富國銀行擁有的公司共同討論了共同發行的硬幣。

European lenders such as Banco Santander are also potentially interested in such projects, the report said.

報告說，諸如桑坦德銀行（Banco Santander）之類的歐洲貸方也可能對此類項目感興趣。

It makes sense for banks to be involved in products that could compete directly with their own payment services and deposits. It’s also sensible for them to work together to shield them individually from the reputational risk of any coin they issue being used to fund crime or terror. They still need better rules and defenses around that possibility as well as confidence that the technology will be reliable.

銀行參與可以直接與自己的支付服務和存款競爭的產品是有意義的。對於他們共同努力，將他們分別避免遭到用於資助犯罪或恐怖的任何硬幣的聲譽風險，這也是明智的。他們仍然需要圍繞這種可能性的更好的規則和防禦能力，以及對技術將是可靠的信心。

The report comes as the US Congress is debating legislation that would create a framework for cryptocurrencies and stablecoins. The bipartisan bill, known as the "Responsible Financial Innovation Act," would give the Federal Reserve the authority to regulate stablecoins and other digital assets.

該報告隨著美國國會正在辯論立法，該立法將為加密貨幣和穩定幣創建框架。兩黨法案，稱為“負責任的金融創新法”，將賦予美聯儲監管穩定幣和其他數字資產的權力。

The bill is being led by Democratic Senator Mark Warner and Republican Senator Tim Scott. It would also create a new category of "high-quality" stablecoins that would be backed by two or more assets, such as US Treasury bonds and short-term commercial paper.

該法案由民主黨參議員馬克·華納（Mark Warner）和共和黨參議員蒂姆·斯科特（Tim Scott）領導。它還將創建一個新的“高質量”穩定類別的類別，該類別將由兩個或更多資產（例如美國國庫債券和短期商業票據）支持。

The House Financial Services Committee is also expected to vote this week on a bipartisan bill that would create a regulatory framework for stablecoins. The bill, which is being led by Democratic Chair Maxine Waters and Republican ranking member Patrick McHenry, would require stablecoin issuers to register with the Securities and Exchange Commission and the Commodities Futures Trading Commission.

眾議院金融服務委員會還預計將在本週對兩黨法案進行投票，該法案將為Stablecoins創建監管框架。該法案由民主黨主席Maxine Waters和共和黨排名成員Patrick McHenry領導，要求Stablecoin發行人在美國證券交易委員會和商品期貨交易委員會中註冊。

The involvement of major banks could be a game changer for the stablecoin market. It could help to increase the liquidity and stability of stablecoins, as well as reduce the risk of fraud and abuse.

主要銀行的參與可能是Stablecoin市場的遊戲規則改變者。它可能有助於提高穩定菌的流動性和穩定性，並降低欺詐和虐待的風險。

However, it is important to note that these discussions are still in the early stages and there is no guarantee that any joint stablecoin projects will be launched.

但是，重要的是要注意，這些討論仍處於早期階段，並且不能保證將啟動任何联合Stablecoin項目。

The integration of major banks in the exploration of a joint stablecoin initiative, as reported by the Wall Street Journal, marks a significant development in the cryptocurrency domain. This collaboration, if realized, could reshape the competitive landscape within the financial services sector.

根據《華爾街日報》報導的那樣，主要銀行在探索聯合穩定倡議的探索中的整合標誌著加密貨幣領域的重大發展。如果實現的話，這種合作可以重塑金融服務領域內的競爭格局。

As the US Congress deliberates legislation to introduce a framework for cryptocurrencies and stablecoins, paving the way for their integration into mainstream financial products and services, major banks are positioning themselves for this new era.

隨著美國國會審議立法為加密貨幣和穩定幣介紹框架，為它們集成到主流金融產品和服務鋪平了道路時，主要銀行正在為這個新時代定位自己。

The report by the Journal indicates that executives at Bank of America, Citigroup, JPMorgan, and Wells Fargo have engaged in preliminary discussions regarding the joint issuance of a stablecoin. This initiative stems from the pressing need for a stablecoin to be backed by a large and trusted institution in order to gain widespread adoption among consumers and businesses.

該期刊的報告表明，美國銀行，花旗集團，摩根大通和富國銀行的高管已經參與了有關聯合發行Stablecoin的初步討論。這項倡議源於迫切需要由大型且值得信賴的機構提供支持，以便在消費者和企業中廣泛採用。

Furthermore, the integration of major banks could be a game changer for the stablecoin market. It could help to increase the liquidity and stability of stablecoins, as well as reduce the risk of fraud and abuse.

此外，主要銀行的整合可能是Stablecoin市場的遊戲規則改變者。它可能有助於提高穩定菌的流動性和穩定性，並降低欺詐和虐待的風險。

However, it is important to note that these discussions are still in the early stages and there is no guarantee that any joint stablecoin projects will be launched.

但是，重要的是要注意，這些討論仍處於早期階段，並且不能保證將啟動任何联合Stablecoin項目。

The involvement of major banks in exploring the possibility of a joint stablecoin initiative, as reported by the Wall Street Journal, signals a significant shift in the cryptocurrency landscape. This collaboration could reshape the competitive landscape within the financial services sector and herald a new era of integrated financial technology.

根據《華爾街日報》報導的那樣，主要銀行參與了探索聯合Stablecoin倡議的可能性，這表明加密貨幣景觀發生了重大轉變。這種合作可以重塑金融服務領域內的競爭格局，並預示著綜合金融技術的新時代。

As the US Congress deliberates legislation to introduce a framework for cryptocurrencies and stablecoins, paving the way for their integration into mainstream financial products and services, major banks are positioning themselves accordingly.

隨著美國國會審議立法為加密貨幣和穩定幣介紹框架，為它們集成到主流金融產品和服務鋪平了道路時，主要銀行正在相應地定位自己。

Executives at Bank of America, Citigroup, JPMorgan, and Wells Fargo have discussed the possibility of jointly issuing a stablecoin, according to the report by the Journal. The integration of major banks could be a game changer for the stablecoin market. It could help to increase the liquidity and stability of stablecoins, as well as reduce the risk of fraud and abuse.

該雜誌的報告稱，美國銀行，花旗集團，摩根大通和富國銀行的高管已經討論了共同發行穩定的可能性。主要銀行的整合可能是Stablecoin市場的遊戲規則改變者。它可能有助於提高穩定菌的流動性和穩定性，並降低欺詐和虐待的風險。

However, it is important to note that these discussions are still in the early stages and there is no guarantee that any joint stablecoin projects will be launched.

但是，重要的是要注意，這些討論仍處於早期階段，並且不能保證將啟動任何联合Stablecoin項目。

The report by the Journal also notes that European lenders, such as Banco Santander, are interested in such projects.

《雜誌》的報告還指出，歐洲貸方（例如桑坦德）等歐洲貸方對此類項目感興趣。

This initiative is driven by the pressing need for a stablecoin to be backed by a large and trusted institution in order to gain widespread adoption among consumers and businesses. Any coin issued by the banks would also need better rules and defenses to prevent it being used to fund crime or terror.

這項倡議是由大型且值得信賴的機構提供支持的迫切需求，以便在消費者和企業中廣泛採用。銀行發出的任何硬幣也需要更好的規則和辯護，以防止其用於資助犯罪或恐怖。

The bipartisan bill, which is being led by Democratic Senator Mark Warner and Republican Senator Tim Scott, would give the Federal Reserve the authority to regulate stablecoins and other digital assets. It would also create a new category of “high-quality” stablecoins that would be backed by two or more assets, such as US Treasury bonds and short-term commercial paper.

由民主黨參議員馬克·華納（Mark Warner）和共和黨參議員蒂姆·斯科特（Tim Scott）領導的兩黨法案將賦予美聯儲監管穩定股和其他數字資產的權力。它還將創建一個新的“高質量”穩定劑，該類別將由兩個或更多資產的支持，例如美國財政債券和短期商業票據。

The House Financial Services Committee is expected to vote this week on a bipartisan bill that would create a regulatory framework for stablecoins. The bill, which is being

預計眾議院金融服務委員會將在本週對兩黨法案進行投票，該法案將為Stablecoins創建監管框架。該法案正在