美國主要銀行正在探索推出聯合穩定的穩定賽車以抵禦加密貨幣競賽

諸如摩根大通（JPM），美國銀行（BAC），花旗集團（C）和富國銀行（Wels Fargo）（WFC）等金融重量級人物已經就該主題進行了討論

Major U.S. banks are in the early stages of discussing the possibility of launching a joint stablecoin, as they seek to fend off competition from crypto firms, the Wall Street Journal reported on Wednesday.

《華爾街日報》報導，美國主要銀行正處於討論發起聯合穩定的可能性的早期階段，因為他們試圖抵禦加密貨幣公司的競爭。

The report adds that the talks are still preliminary and could change.

該報告補充說，談判仍然是初步的，可能會改變。

Among the financial institutions involved in the discussions are JPMorgan Chase & Co (NYSE:JPM), Bank of America Corp (NYSE:BAC), Citigroup Inc (NYSE:C), and Wells Fargo & Co (NYSE:WFC). Also engaging in the conversations are the payments ventures owned by these banking powerhouses, like Early Warning Services, which runs Zelle, and The Clearing House, which handles real-time payments.

在討論中涉及的金融機構中，包括摩根大通公司（NYSE：JPM），美國銀行（NYSE：BAC），花旗集團（NYSE：C）（NYSE：C）和富國銀行（Wells Fargo＆Co）（NYSE：NYSE：WFC）。還參與對話的是這些銀行電力公司擁有的付款企業，例如經營Zelle的預警服務和處理實時付款的交換所。

Stablecoins are cryptocurrencies that are pegged to the value of another asset, like a fiat currency or commodity, and can settle transactions in a matter of seconds.

穩定的是加密貨幣，與其他資產（例如菲亞特貨幣或商品）的價值掛鉤，可以在幾秒鐘內解決交易。

Banks see potential in them to improve their operations, with international remittances currently taking days through the traditional system.

銀行認為他們的潛力有可能改善其業務，而國際匯款目前耗時幾天通過傳統系統。

One idea that has been floated in the consortium’s talks is a stablecoin model that would be open to other banks in addition to the core group. The report adds that regional banks have also been exploring similar avenues, according to sources familiar with the discussions.

一個已經在財團的談判中浮出水面的想法是一個穩定的模型，除了核心群體外，還將向其他銀行開放。熟悉討論的消息人士稱，該報告補充說，區域銀行也在探索類似的途徑。

This push from the banking industry comes as Washington edges closer to regulating the use of stablecoins.

隨著華盛頓的邊緣更接近調節使用穩定的使用，銀行業的這種推動。

Earlier this week, the Senate advanced the Guiding and Establishing National Innovation for U.S. Stablecoin, or GENIUS, Act, which is sponsored by Senator Bill Hagerty (R-Tenn). The legislation aims to create a regulatory framework for payment stablecoins.

本週早些時候，參議院提升了由參議員比爾·哈格蒂（Bill Hagerty）（R-tenn）贊助的指導和建立國家創新（Act）。該立法旨在為付款穩定幣創建一個監管框架。

“This legislation is a significant step forward in advancing responsible innovation in the financial services sector,” Hagerty said in a statement. “The legislation will establish, for the first time, a light-touch, pro-growth regulatory framework for payment stablecoins.”

哈格蒂在一份聲明中說：“這項立法是促進金融服務部門負責任創新的重要一步。” “該立法將首次確定付款穩定的輕觸，促成的監管框架。”

In addition, the House Financial Services Committee is planning to vote on a bipartisan bill later this week that would create a new class of bank charter specifically for advanced technologies, like Web3 and artificial intelligence.

此外，眾議院金融服務委員會計劃在本週晚些時候對兩黨法案進行投票，該法案將為高級技術（例如Web3和人工智能）創建新的銀行憲章。

This move is driven by the increasing interest from crypto firms in securing bank charters.

這一舉動是由加密公司對確保銀行憲章的興趣越來越多的驅動。

Earlier this year, several institutions applied for charters, including cryptocurrency exchange Coinbase (NASDAQ:COIN) and the blockchain startup TRM Labs.

今年早些時候，幾個機構申請了憲章，包括加密貨幣交易所Coinbase（NASDAQ：COIN）和區塊鏈啟動TRM Labs。

These applications come as several European banks have been venturing into the crypto space.

這些申請是因為幾家歐洲銀行一直在加密貨幣空間中冒險。

Earlier this month, Société Générale began offering a euro-denominated stablecoin called EURCV through its crypto arm, SG Forge. The service will allow institutional investors to invest in a fully-reserved and liquid EURcoin.

本月初，SociétéGénérale開始通過其加密貨幣黨SG Forge提供一個名為Eurcv的歐元計價的Stablecoin。該服務將使機構投資者能夠投資全面保留和液體的歐元。

The French lender is now planning to launch a U.S. dollar stablecoin in the second half of the year, becoming the first major European bank to enter the fast-growing market for privately issued digital currencies.

法國貸方現在計劃在下半年推出一美元的穩定股，成為第一個進入私人發行數字貨幣快速增長市場的主要歐洲銀行。