美國領先的銀行正在提早談判，以發起聯合穩定企業

美國主要銀行，包括摩根大通，美國銀行，花旗集團和富國銀行，正在探索一項協作的Stablecoin倡議

Leading U.S. banks are in early talks to launch a joint stablecoin venture, while the Trump family’s USD1 stablecoin has surged to prominence, highlighting blockchain’s growing role in reshaping digital payments and raising ethical concerns.

美國領先的銀行正在提早進行談判，以發起共同的Stablecoin企業，而特朗普家族的USD1 Stablecoin迅速引起了人們的關注，強調了區塊鏈在重塑數字支付和提出道德問題方面的日益增長的作用。

Major U.S. banks, including JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo, are exploring a collaborative stablecoin initiative to compete in the $245 billion stablecoin market, currently led by Circle’s USDC and Tether’s USDT, The Wall Street Journal reported.

據《華爾街日報》報導，包括摩根大通，美國銀行，花旗集團和富國銀行在內的主要銀行正在探索一項合作的Stablecoin倡議，以競爭2450億美元的Stablecoin市場，目前由Circle的USDC和Tether's Tether的USDT領導。

These discussions also involve payment firms Early Warning Services, which operates Zelle, and The Clearing House, which is co-owned by the banks. The move is driven by the surging popularity of crypto-based digital payments, which threaten to siphon off deposits and transaction volumes from traditional banking.

這些討論還涉及運營Zelle的付款公司預警服務，以及由銀行共同擁有的清算室。此舉是由於基於加密貨幣的數字支付的迅速流行而驅動的，這有可能從傳統銀行業務中消除存款和交易量。

Stablecoins, which are pegged to the U.S. dollar, offer fast and low-cost cross-border transfer capabilities, making them attractive for global financial institutions. A recent survey by Fireblocks found that 58% of traditional banks already use stablecoins for such payments, highlighting their institutional adoption.

與美元掛鉤的Stablecoins提供了快速和低成本的跨境轉移能力，使其對全球金融機構有吸引力。 Fireblocks最近的一項調查發現，有58％的傳統銀行已經使用Stablecoins進行此類付款，從而強調了其機構採用。

The consortium model could enable broader participation from other financial institutions, further expanding the stablecoin’s reach. However, the venture’s progress depends on the passage of U.S. stablecoin legislation.

財團模型可以使其他金融機構更廣泛地參與，從而進一步擴大了Stablecoin的影響力。但是，該合資企業的進步取決於美國穩定立法的通過。

The GENIUS Act, which recently cleared a Senate procedural vote with bipartisan support, aims to regulate stablecoins by requiring them to be 1:1 backed by liquid reserves and comply with anti-money laundering regulations, addressing concerns raised by Senator Elizabeth Comer. The Act also includes provisions for consumer protections and financial stability, aiming to mitigate risks highlighted by Senator Warren, who expressed concerns over foreign investments flowing into stablecoins.

《天才法》最近在兩黨的支持下清除了參議院的程序投票，旨在通過要求其由液體儲備支持1：1來規範穩定法，並遵守反貨幣洗衣法規，以解決參議員伊麗莎白·科默（Elizabeth Comer）提出的擔憂。該法案還包括有關消費者保護和財務穩定性的規定，旨在減輕參議員沃倫（Warren）強調的風險，沃倫（Warren）對流向穩定的外國投資表示擔憂。

Parallel to the banks’ initiative, the Trump family’s World Liberty Financial has launched USD1, a dollar-backed stablecoin that has seen a rapid surge in prominence.

與銀行的倡議平行，特朗普家族的世界自由金融公司（World Liberty Financial）推出了USD1，這是一種以美元支持的Stablecoin，迅速增長。

Issued by BitGo Trust Company in accordance with U.S. regulatory requirements, USD1 has seen its market cap soar to $2.14 billion, making it the second-largest stablecoin on BNB Chain after USDT.

Bitgo Trust公司根據美國的監管要求發行，USD1的市值飆升至21.4億美元，使其成為BNB連鎖店後第二大穩定股。

A significant boost to USD1 came with a $2 billion investment by Abu Dhabi’s MGX fund to acquire a stake in Binance using the stablecoin, showcasing its global appeal.

Abu Dhabi的MGX基金投資了20億美元，以使用Stablecoin獲得Binance的股份，這表明其全球吸引力。

However, the Trump family’s 60% stake in World Liberty Financial has raised concerns about potential conflicts of interest, especially given President Trump’s crypto-friendly policies.

但是，特朗普家族在世界自由金融中的60％股份引起了人們對潛在利益衝突的擔憂，特別是考慮到特朗普總統對加密貨幣友好的政策。

Critics, including Senator Elizabeth Comer, have pointed out that the Biden administration is aiming for the U.S. to dominate the crypto sector, much like the U.S. aims for hegemony in the global economic and financial system through the USD.

包括參議員伊麗莎白·科默（Elizabeth Comer）在內的批評家指出，拜登政府的目標是使美國統治加密貨幣部門，就像美國的目標是通過美元通過全球經濟和金融體系中的霸權。

President Trump himself alluded to this ambition at a TRUMP token holders’ event, stating that the U.S. should be no. 1 in crypto, much like it leads in the USD and economic might.

特朗普總統本人在特朗普象徵持有人的活動中暗示了這一野心，並指出美國應該否。 1在加密貨幣中，就像它涉及美元和經濟可能性。

The U.S. banks’ joint stablecoin venture and the rapid rise of USD1 are both fueled by this broader ambition to position the U.S. at the forefront of the emerging Web3 landscape.

美國銀行的聯合Stablecoin Venture和USD1的迅速上升都受到了更廣泛的野心，將美國置於新興Web3景觀的最前沿。

Banks are seeking to modernize and optimize payment systems by leveraging blockchain’s efficiency, while the narrative around USD1 highlights the potential of crypto to disrupt existing financial paradigms and offer new avenues for investment and wealth creation.

銀行試圖通過利用區塊鏈的效率來現代化和優化支付系統，而圍繞1美元的敘述則強調了加密貨幣的潛力破壞現有的財務範式，並為投資和創造財富提供新的途徑。

However, both initiatives face challenges that could hinder their progress.

但是，這兩項舉措都面臨可能阻礙他們進步的挑戰。

For the banks, regulatory clarity and public trust are crucial for the success of their stablecoin, which could be used for cross-border payments and other financial services.

對於銀行而言，監管清晰度和公共信任對於他們的Stablecoin的成功至關重要，該公司可用於跨境支付和其他金融服務。

Meanwhile, critics like Senator Elizabeth Comer highlight the financial stability risks posed by stablecoins, comparing them to the volatile money-market funds that contributed to the 2008 financial crisis.

同時，像參議員伊麗莎白·科默（Elizabeth Comer）這樣的批評者強調了stablecoins構成的金融穩定風險，將其與造成2008年金融危機促成的動蕩的貨幣市場資金進行了比較。

Both the U.S. banks’ initiative and the Trump family’s USD1 venture are unfolding rapidly, fueled by the transformative potential of blockchain technology and the growing demand for efficient digital payment solutions.

美國銀行的倡議和特朗普家族的美元企業都在迅速發展，這是由於區塊鏈技術的變革潛力以及對高效數字支付解決方案的需求不斷增長。

As these ventures progress, they will need to navigate ethical concerns, regulatory hurdles, and navigate the financial stability risks posed by stablecoins.

隨著這些冒險的進展，他們將需要應對道德問題，監管障礙，並駕駛StableCoins造成的財務穩定風險。