摩根大通，比特幣和以太坊：從懷疑主義到貸款 - 一個新時代？

摩根大通（JPMorgan）對比特幣和以太坊的不斷發展的立場，從解僱到潛在的貸款，這表明傳統金融對加密貨幣的方式發生了重大轉變。

JPMorgan, Bitcoin, and Ethereum: From Skepticism to Loans – A New Era?

摩根大通，比特幣和以太坊：從懷疑主義到貸款 - 一個新時代？

Remember when Jamie Dimon called Bitcoin a fraud? Well, times are changing, and so is JPMorgan. The banking giant is now exploring offering loans backed by Bitcoin and Ethereum, a move that's got everyone in the crypto world buzzing. It's a wild ride, so let's unpack it.

還記得傑米·戴蒙（Jamie Dimon）將比特幣稱為欺詐嗎？好吧，時代正在變化，摩根大通也是如此。這家銀行業巨頭正在探索以比特幣和以太坊支持的貸款，此舉使加密世界中的每個人都在嗡嗡作響。這是一個瘋狂的旅程，所以讓我們打開它。

From 'Fraud' to Collateral: JPMorgan's Crypto Evolution

從“欺詐”到抵押：摩根大通的加密進化

It wasn't that long ago that JPMorgan's CEO, Jamie Dimon, was famously anti-crypto. But now, sources say the bank is looking into extending secured loans where your BTC or ETH serves as collateral. We're talking potentially launching this as early as next year! The plan could change, but the overall direction is clear: clients want to use their crypto without having to sell it.

不久前，摩根大通的首席執行官傑米·戴蒙（Jamie Dimon）是反克雷普托（Anti-Crypto）的著名人物。但是現在，消息人士稱，該銀行正在考慮擴大您的BTC或ESH作為抵押品的有保證貸款。我們正在談論可能最早在明年開始！該計劃可能會改變，但總體方向很明顯：客戶希望不必出售其加密貨幣。

Dimon himself has softened his stance, even admitting that stablecoins are "real" and that JPMorgan will work with regulated digital assets. Talk about a U-turn!

戴蒙本人已經軟化了他的立場，甚至承認穩定幣是“真實的”，而摩根大通將與受監管的數字資產合作。談論掉頭！

Wall Street Warms Up (Cautiously)

華爾街溫暖（謹慎）

What's driving this change of heart? Well, clearer U.S. regulations, like the GENIUS Act, are a big part of it. With clearer guardrails in place, firms like JPMorgan feel safer building real products around crypto. Other big players are also sniffing around, with Morgan Stanley reportedly considering crypto trading through E*Trade.

是什麼推動了這種改變的改變？好吧，像《天才法》一樣，更清楚的美國法規是其中的很大一部分。有了更清晰的護欄，摩根大通（JPMorgan）等公司會在加密貨幣周圍更安全地建造真正的產品。據報導，摩根士丹利（Morgan Stanley）正在考慮通過E*貿易進行加密貨幣交易。

But don't expect JPMorgan to go all-in just yet. They're projecting the stablecoin market to hit $500 billion by 2028, which is significant, but they're also dismissing some of the more wildly optimistic predictions out there.

但不要指望摩根大通尚未全力以赴。他們預計到2028年，Stablecoin市場將達到5000億美元，但他們也駁斥了一些更為樂觀的預測。

Ethereum's Moment in the Sun (and Schiff's Skepticism)

以太坊在陽光下的時刻（以及希夫的懷疑）

While JPMorgan is making moves with both Bitcoin and Ethereum, Ethereum has been having a moment of its own. Its price has surged, driven by inflows into spot Ethereum ETFs. But not everyone's convinced. Peter Schiff, a well-known Bitcoin proponent, has suggested Ethereum investors switch to Bitcoin. But, many experts are pushing back on Schiff's thesis.

當摩根大通（JPMorgan）與比特幣和以太坊一起採取行動時，以太坊卻有自己的時刻。它的價格飆升，這是由於流入到現貨以太坊ETF的推動下。但並不是每個人都相信。著名的比特幣支持者彼得·希夫（Peter Schiff）建議以太坊投資者改用比特幣。但是，許多專家正在推遲席夫的論文。

Despite Schiff's criticism, Ethereum's recent surge is driven by strong institutional interest. The price of ETH has risen significantly, fueled by record inflows into spot Ethereum ETFs, which attract large institutional investors. Corporate investments have also played a significant role in Ethereum's recent performance. Companies like BitMine and SharpLink Gaming have added Ethereum to their treasuries, with SharpLink holding over 1 billion ETH and stating its intention to stake and support the Ethereum network to generate passive income.

儘管席夫（Schiff）受到批評，但以太坊最近的激增還是受到強烈的機構利益的推動。 ETH的價格顯著上漲，這是由於創紀錄的流入吸引了吸引大型機構投資者的現貨以太坊ETF。公司投資在以太坊最近的業績中也發揮了重要作用。像Bitmine和Sharplink遊戲這樣的公司已將以太坊添加到其國庫中，Sharplink擁有超過10億的ETH，並表示其意圖有意利用和支持以太坊網絡產生被動收入。

Challenges Ahead

未來的挑戰

Of course, it's not all smooth sailing. Crypto-backed lending faces some major hurdles. Regulators are concerned about illicit transactions, and JPMorgan will need to figure out how to seize and manage crypto if borrowers default. They'll likely partner with a third-party custodian like Coinbase to hold the crypto collateral.

當然，這並不是所有的航行順利。加密支持的貸款面臨一些重大障礙。監管機構擔心非法交易，如果借款人違約，摩根大通將需要弄清楚如何扣押和管理加密貨幣。他們可能會與像Coinbase這樣的第三方保管人合作，以持有加密貨幣。

The Bottom Line

底線

JPMorgan's exploration of Bitcoin and Ethereum-backed loans is a huge deal. It signals a growing acceptance of crypto by traditional finance, even if they're taking a cautious approach. It will be interesting to see how these plans evolve and what impact they have on the broader crypto market.

摩根大通（JPMorgan）對比特幣和以太坊支持的貸款的探索是一件大事。即使他們採取謹慎的態度，它也表明了傳統金融對加密貨幣的接受。有趣的是，這些計劃如何發展以及它們對更廣泛的加密市場的影響。

So, what does it all mean? Basically, even the biggest skeptics are starting to see the potential of crypto. Who knows, maybe one day we'll all be using our Bitcoin to get a mortgage. Stranger things have happened, right?

那麼，這意味著什麼？基本上，即使是最大的懷疑論者也開始看到加密的潛力。誰知道，也許有一天我們都會使用比特幣獲得抵押貸款。陌生人的事情發生了，對嗎？