據報導，幾家巨頭的美國銀行召集了談論發起聯合Stablecoin合資企業的可能性。

此舉旨在防止加密貨幣公司在金融科技（金融技術）領域不斷上升的競爭中不斷地將其市場份額的大部分匯總。

Several giant US banks have reportedly convened to talk about the possibility of launching a joint stablecoin venture. The move aims to prevent cryptocurrency companies from continuously siphoning a considerable chunk of their market share amid the rising competition in the fintech (financial technology) space.

據報導，幾家巨頭的美國銀行召集了談論發起聯合Stablecoin合資企業的可能性。此舉旨在防止加密貨幣公司在金融科技（金融技術）領域不斷上升的競爭中不斷地將其市場份額的大部分匯總。

The Rise of a New Stablecoin Alliance

新的穩定聯盟的興起

According to the Wall Street Journal (WSJ), JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo are discussing the possibility of forming a consortium to launch a new stablecoin project. The institutions' payment solutions linked to these institutions, namely Early Warning Services, known for operating Zelle, and The Clearing House, are also participating in the negotiations.

根據《華爾街日報》（WSJ），美國銀行，花旗集團和富國銀行的摩根大通（JPMorgan Chase）正在討論建立一個財團來啟動新的Stablecoin項目的可能性。與這些機構相關的機構的支付解決方案，即以操作Zelle聞名的預警服務和交換所聞名，也正在參加談判。

The source, citing "people familiar with the matter," claimed the discussion is still in its early stages. Hence, the direction of the parties involved may be subject to change, and the members of the budding alliance may either be trimmed or expanded depending on the circumstances.

消息人士以“熟悉此事的人”為由聲稱討論仍處於早期階段。因此，有關當事方的指示可能會發生變化，並且可以根據情況來修剪或擴大萌芽聯盟的成員。

Nevertheless, WSJ stated that the group agreed to open their stablecoin's utility to other financial institutions beyond their core team. In addition, the report raised the possibility that the group may tie up the brewing stablecoin project with similar ventures cooked up by regional banks.

儘管如此，WSJ仍表示，該組織同意向其他金融機構開放其穩定的效用以外的其他金融機構。此外，該報告還提出了該集團可以將釀造Stablecoin項目與區域銀行烹製的類似企業相關聯的可能性。

It's still unclear if the stablecoin will be available for retail use, as the report only hinted that the consortium may only tailor the project for institutional adoption.

目前尚不清楚是否可以供零售使用該穩定幣，因為該報告僅暗示該財團只能為機構採用量身定制該項目。

Legislative Reinforcement

立法加強

The proposed stablecoin project comes at a very opportune time, as the US Senate appears to be fast-tracking the passage of the GENIUS Act. The bipartisan legislation introduces guardrails for stablecoins to offer regulatory clarity for issuers and users of these digital assets maintaining a 1:1 peg to the US dollar.

擬議的Stablecoin項目是在非常合適的時刻，因為美國參議院似乎正在快速追踪《天才法》的通過。兩黨立法引入了穩定幣的護欄，為這些數字資產的發行人和用戶提供了維持1：1釘至美元的法規清晰度。

For Bill Hagerty, a senator from Tennessee under the Republican Party, the GENIUS Act is essential for the evolution of US payment systems in the 21st century. It specifically guarantees that the US dollar will maintain its dominance in the world market.

對於共和黨的田納西州參議員比爾·哈格蒂（Bill Hagerty）來說，《天才法》對於21世紀的美國支付系統的發展至關重要。它特別保證美元將在世界市場上保持其優勢。

The senator believes the bill's passage into law will help protect consumers. Meanwhile, the American politician and businessman estimates that it will be crucial in driving an over $1 trillion additional demand for US treasuries.

參議員認為，該法案通過法律將有助於保護消費者。同時，這位美國政治家和商人估計，這對於推動對美國國債的額外需求超過1萬億美元至關重要。