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加密貨幣新聞文章

JPMorgan,Stablecoins和Dimon:一個愛恨的故事?

2025/07/16 04:00

在傑米·迪蒙(Jamie Dimon)的領導下,探索摩根大通(JPMorgan)對穩定和加密貨幣的不斷發展的立場,從懷疑主義到戰略參與。

JPMorgan,Stablecoins和Dimon:一個愛恨的故事?

JPMorgan, Stablecoins, and Dimon: A Love-Hate Story?

JPMorgan,Stablecoins和Dimon:一個愛恨的故事?

JPMorgan's dance with crypto, particularly stablecoins, is complicated. CEO Jamie Dimon's public skepticism clashes with the bank's strategic forays into the digital asset space. It's a story of hedging bets and navigating a rapidly changing financial landscape. Let's dive in.

摩根大通(JPMorgan)與加密貨幣(尤其是穩定者)的舞蹈很複雜。首席執行官傑米·戴蒙(Jamie Dimon)的公眾懷疑論與銀行對數字資產領域的戰略發揮作用。這是一個對沖賭注並導航迅速變化的金融格局的故事。讓我們潛水。

Dimon's Crypto Contradictions

迪蒙的加密矛盾

Jamie Dimon has never been shy about his distaste for crypto, famously calling Bitcoin a "fraud" and a "Ponzi scheme." He's likened owning Bitcoin to smoking – something he wouldn't recommend but defends your right to do. But, despite his reservations, JPMorgan is making moves in the crypto world.

傑米·戴蒙(Jamie Dimon)從來沒有害羞過他對加密貨幣的厭惡,著名地稱比特幣為“欺詐”和“龐氏騙局”。他將擁有比特幣的人比作吸煙 - 他不建議您捍衛您的行為。但是,儘管他保留了他的保留,但摩根大通仍在加密世界中採取行動。

JPM Coin and Stablecoin Explorations

JPM硬幣和Stablecoin探索

JPMorgan is launching its own "deposit token," JPMD, a digital representation of commercial bank money exclusively for institutional clients. This move positions JPMD as a direct competitor to stablecoins. Dimon has stated that JPMorgan will be involved in both JPMD and stablecoins to understand and excel in the space. He questions the need for stablecoins over direct payment solutions but acknowledges the bank's need to participate as FinTechs advance.

摩根大通(JPMorgan)正在啟動自己的“存款令牌” JPMD,這是專門針對機構客戶的商業銀行資金的數字代表。此舉將JPMD定位為Stablecoins的直接競爭對手。戴蒙(Dimon)表示,摩根大通(JPMorgan)將參與JPMD和Stablecoins,以理解和出色。他質疑對直接付款解決方案的stabalecoins的需求,但承認銀行隨著金融科技的發展而參與。

The Interoperability Question

互操作性問題

A key challenge is interoperability. How can JPMorgan's internal "walled garden" connect with external systems? Dimon admits this is a crucial question. Banks, including JPMorgan, Bank of America, Wells Fargo, and Citigroup, are exploring collaborative stablecoin efforts. The goal? A jointly issued and operated coin to compete with existing stablecoin companies like Circle.

一個關鍵的挑戰是互操作性。摩根大通的內部“圍牆花園”如何與外部系統連接?戴蒙承認這是一個至關重要的問題。包括摩根大通,美國銀行,富國銀行和花旗集團在內的銀行正在探索協作穩定的努力。目標?共同發行並運營的硬幣與Circle等現有的Stablecoin公司競爭。

Bearish on Circle?

看跌圈子?

Speaking of Circle, JPMorgan analysts have expressed concerns about the stablecoin issuer, despite acknowledging its market leadership and advanced technology. Emerging competition and its current valuation are viewed as potentially excessive. This suggests that Circle may face challenges in maintaining its growth amid regulatory uncertainties.

說到Circle,摩根大通分析師對Stablecoin發行人表示擔憂,儘管承認其市場領導和先進的技術。新興競爭及其目前的估值被視為潛在的過度。這表明,在監管不確定性的情況下,圈子可能會面臨維持其增長的挑戰。

The Regulatory Landscape

監管景觀

The U.S. Senate passed the GENIUS Act to create a federal regulatory framework, signaling increasing regulatory clarity. The Federal Reserve, OCC, and FDIC have jointly clarified that US banks can hold cryptocurrency on behalf of customers, subject to strict regulatory conditions. This move encourages regulated crypto custody services by banks.

美國參議院通過了《天才法》,以建立一個聯邦監管框架,這表明監管的清晰度提高了。美聯儲,OCC和FDIC共同澄清說,美國銀行可以代表客戶持有加密貨幣,但要遵守嚴格的監管條件。此舉鼓勵銀行受監管的加密監護服務。

A Necessary Evolution

必要的進化

Even though Dimon has called bitcoin useful mainly for crime, tax evasion, and illicit finance, JPMorgan is exploring crypto services, including bitcoin ETFs. In May, JPMorgan revealed that it is taking a small but important step into the crypto world by allowing clients to invest in Bitcoin. At the bank’s investor day, Dimon confirmed that JPMorgan will let clients buy bitcoin, but with strict limits: the bank won’t hold the cryptocurrency itself, only display it on client statements.

儘管戴蒙(Dimon)稱比特幣主要用於犯罪,逃稅和非法財務,但摩根大通(JPMorgan)仍在探索包括比特幣ETF在內的加密服務。摩根大通(JPMorgan)在5月份透露,它通過允許客戶投資比特幣,邁出了一個小而重要的一步。在銀行的投資者日,戴蒙(Dimon)確認摩根大通(JPMorgan)將讓客戶購買比特幣,但要嚴格限制:銀行不會持有加密貨幣本身,只能在客戶端報表中顯示。

So, What's the Takeaway?

那麼,收穫是什麼?

JPMorgan's journey with stablecoins and crypto is a balancing act. Dimon's skepticism provides a counterweight to the hype, while the bank's strategic initiatives ensure it doesn't miss out on potential opportunities. It's a pragmatic approach, recognizing both the risks and the potential rewards of the digital asset space.

摩根大通與Stablecoins和Crypto的旅程是一種平衡的行為。戴蒙(Dimon)的懷疑為炒作提供了反重,而銀行的戰略舉措則確保它不會錯過潛在的機會。這是一種務實的方法,認識到數字資產空間的風險和潛在獎勵。

Who knows, maybe one day Dimon will be sporting a Bitcoin-themed tie at the annual shareholder meeting. Okay, probably not. But never say never in the wild world of crypto!

誰知道,也許有一天,戴蒙(Dimon)將在年度股東大會上以比特幣為主題的領帶。好吧,可能不是。但是,永遠不要在加密世界的野生世界中說永遠不會說!

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