美國主要銀行正在製定聯合穩定計劃

據報導

Several of the biggest U.S. banks are joining forces to create their own stablecoin, according to a report by the Wall Street Journal.

根據《華爾街日報》的報導，美國最大的幾家銀行正在聯合起來創建自己的穩定幣。

The report claims that major institutions are making a move into the crypto sphere with a joint venture to develop a stablecoin.

該報告聲稱，主要機構正在通過合資企業發展穩定的機構進入加密貨幣領域。

This move would see established financial institutions compete directly with crypto-native players in the rapidly growing segment of the digital asset market.

這一舉動將使已建立的金融機構直接與數字資產市場快速增長的加密本地參與者競爭。

The initiative is still in its early stages, with no final decisions yet made, and could ultimately be abandoned, the Journal said.

該期刊稱，該倡議仍處於早期階段，尚未做出最終決定，最終可以放棄。

However, the report notes that the banks involved are considering tying the stablecoin to the dollar and aiming for it to be widely used for payments.

但是，該報告指出，所涉及的銀行正在考慮將Stablecoin與美元聯繫起來，並旨在將其廣泛用於付款。

The move comes as Congress is preparing to pass legislation this year to regulate stablecoins and other digital assets. A bipartisan bill is currently pending in the House Financial Services Committee.

此舉是因為國會準備通過今年的立法來規範穩定幣和其他數字資產。兩黨法案目前正在眾議院金融服務委員會中審理。

The banks involved in the initiative are reportedly JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo.

據報導，參與該計劃的銀行是摩根大通，美國銀行，花旗集團和富國銀行。

This new development was also confirmed by Sam Kazemian, founder of Frax Finance, who stated that the conversations between major banks might have advanced beyond speculation.

Frax Finance的創始人Sam Kazemian也證實了這一新發展，他表示，主要銀行之間的對話可能超出了猜測。

Highlighting the broader implications, Kazemian pointed out the significant role of stablecoins in providing dollar-backed liquidity within the crypto market.

Kazemian強調了更廣泛的含義，指出了Stablecoins在加密市場中提供美元支持的流動性中的重要作用。

He added that these tokens are facilitating cross-border and emerging-market traders' access to dollar-denominated assets.

他補充說，這些代幣正在促進跨境和新興市場交易員訪問以美元計價的資產的訪問。

The growing utility of these tokens, combined with increasing legislative attention in the U.S., makes them a priority for financial institutions seeking to remain competitive.

這些代幣的日益增長的效用，加上美國越來越多的立法關注，使它們成為尋求保持競爭力的金融機構的優先事項。

Greg Waisman, Chief Operating Officer at Mercuryo, commented on the potential impact of this move.

Mercuryo首席運營官Greg Waisman對此舉的潛在影響發表了評論。

“The prospect of a consortium of leading U.S. banks entering the cryptocurrency market with a joint stablecoin demonstrates how crypto-native products may now be driving the evolution of financial markets,” Waisman stated.

Waisman說：“由領先的美國銀行通過聯合穩定市場進入加密貨幣市場的聯盟的前景展示了加密本地產品現在可能如何推動金融市場的發展。”

He further highlighted the role of stablecoins in the digital token space.

他進一步強調了Stablecoin在數字令牌領域中的作用。

“Stablecoins are a valuable source of liquidity in the digital token space, supporting a variety of different projects and protocols. They are also used by traders to hedge against the volatility of cryptocurrencies and by users in emerging economies to gain access to dollar-denominated assets.”

“穩定幣是數字代幣領域的寶貴流動性來源，支持各種不同的項目和協議。交易者還使用它們來對沖加密貨幣的波動，以及新興經濟體的用戶以獲取美元元素為基礎的資產。”

This initiative could have broader implications for the global financial landscape as traditional institutions adapt to the evolving cryptocurrency ecosystem.

這項倡議可能對全球金融格局具有更廣泛的影響，因為傳統機構適應不斷發展的加密貨幣生態系統。

Two giants, Tether’s USDT and Circle’s USDC, currently hold the majority share of the stablecoin market, which is valued at $245.9 billion. Together, they control 87% of the market. However, the entry of major banks could pose a challenge to this dominance, especially considering their vast financial infrastructure and regulatory influence.

兩家巨頭Tether的USDT和Circle的USDC目前擁有Stablecoin市場的大部分份額，該市場價值為2459億美元。他們共同控制了87％的市場。但是，主要銀行的進入可能會對這一主導地位構成挑戰，尤其是考慮到其龐大的金融基礎設施和監管影響。

Paolo Ardoino, CEO of Tether, responded to the news with a brief yet pointed message on social media.

Tether的首席執行官Paolo Ardoino在社交媒體上以簡短但又尖銳的信息回應了這一消息。

“Welcome player 2.”

“歡迎球員2.”

His remark suggests confidence in Tether’s position as the market leader, implying that traditional institutions are only now catching up to what crypto-native firms have built over the past decade.

他的言論表明，對Tether作為市場領導者的地位有信心，這意味著傳統機構僅趕上了過去十年來加密本地公司所建立的東西。

Tether’s USDT remains the most traded stablecoin globally, with a market cap above $150 billion. Its usage spans cross-border payments, remittances, and digital commerce, especially in regions with limited access to the U.S. dollar.

Tether的USDT仍然是全球交易最多的Stablecoin，市值超過1500億美元。它的用法涵蓋了跨境支付，匯款和數字商務，尤其是在獲得美元訪問權限的地區。

Meanwhile, BitMEX co-founder Arthur Hayes took a more critical view, suggesting that the banks’ stablecoin initiative could spell trouble for Circle.

同時，Bitmex聯合創始人Arthur Hayes採取了更為批判性的看法，這表明銀行的Stablecoin倡議可能會為Circle帶來麻煩。

“Bye bye Circle. Thanks for playing,” Hayes stated.

“再見圈子。謝謝你的比賽，”海斯說。

Hayes’ comment implies that Circle might struggle with these institutions’ new layer of competition.

海耶斯的評論意味著，圈子可能與這些機構的新競爭層鬥爭。

This comes as Circle is exploring strategic options, including a potential public listing or acquisition by firms like Coinbase or Ripple.

這是因為Circle正在探索戰略選擇，包括Coinbase或Ripple等公司的潛在公共上市或收購。