美國主要銀行正在提早進行談判，以推出聯合穩定的穩定性，以挑戰繫繩和Circle的主導地位

美國主要銀行正在權衡一個潛在的財團，以頒發聯合穩定的股份，以挑戰Tether和Circle的扼殺在2450億美元的穩定股市市場上的統治地位。

Major U.S. banks are discussing forming a consortium to issue a joint stablecoin, potentially challenging the dominance of Tether and Circle in the ballooning $245 billion market, according to a Thursday report by the Wall Street Journal.

根據《華爾街日報》（Wall Street Journal）的周四報告，美國主要銀行正在討論建立一個聯合會的財團來發行聯合穩定的公司，這可能會挑戰Tether and Circle在熱氣球的2450億美元市場中的統治地位。

* The report, citing people familiar with the matter, says the talks are in early stages and may change. They add that the outcome depends on forthcoming legislation that could help establish frameworks for banks and non-banks to issue stablecoins.

*該報告援引熟悉此事的人說，談判處於早期階段，可能會發生變化。他們補充說，結果取決於即將到來的立法，這可能有助於為銀行和非銀行簽發Stablecoins建立框架。

* Financial giants JPMorgan Chase & Co, Bank of America, Citigroup, Wells Fargo, and others through their co-owned payment companies, including Early Warning Services and the Clearing House, are weighing teaming up to create the joint token, the report claims.

報告稱，金融巨頭JPMorgan Chase＆Co，美國銀行，花旗集團，富國銀行和其他人通過其共同擁有的支付公司（包括預警服務和清算室）正在權衡聯合創建聯合令牌。

* Earlier this week, the Senate voted to move forward with the Guiding and Establishing National Innovation for U.S. Stablecoins Act, or GENIUS Act. A full floor vote for the proposed legislation is expected to arrive in the coming weeks.

*本週早些時候，參議院投票通過指導和建立針對美國Stablecoins法案或天才法案的國家創新。預計未來幾週將對擬議的立法進行全面投票。

* If passed, the bill will effectively set the stage for stablecoin regulation by requiring such tokenized assets to be fully backed by U.S. dollars or similarly liquid assets, requiring annual audits for issuers with over $50 billion in market value, and adding language around foreign issuance.

*如果通過，該法案將有效地為Stablecoin法規奠定了基礎，要求以美元或類似的流動資產來完全支持這種令牌資產，要求對具有超過500億美元的市場價值的發行人進行年度審計，並在外國發行周圍增加額外的語言。

* Earlier this week, White House crypto czar David Sacks said he expects the bill to be passed and that it will receive bipartisan support. Sacks added that the legislation could trigger “trillions of dollars” in demand for U.S. Treasuries by unlocking stablecoin growth under clear rules.

*本週早些時候，白宮加密沙皇大衛·薩克斯（David Sacks）表示，他希望該法案通過，並將獲得兩黨的支持。薩克斯補充說，該立法可以通過在明確的規定下解鎖穩定幣增長來觸發對美國國債的“數万億美元”。

* However, some high-ranking Democrats stressed the need to amend the bill to include a clause addressing President Donald Trump’s personal ties to crypto before giving the bill final approval.

*但是，一些高級民主黨人強調，有必要修改該法案，包括一項條款，講述唐納德·特朗普與加密貨幣的個人聯繫，然後才對法案進行最終批准。

* Critics have voiced concerns that the administration benefits from the legislation, given its ties to World Liberty Financial, a crypto firm backed by Trump and his sons that recently launched its own stablecoin, USD1.

*批評家表示擔心政府從立法中受益，鑑於其與世界自由金融的聯繫，這是由特朗普和他的兒子們支持的加密貨幣公司，該公司最近推出了自己的Stablecoin，USD1。

The demand for dollar-pegged digital assets has been on the rise, with nation states adopting and institutions wanting to integrate stablecoins. The total market cap of stablecoins has climbed to $245 billion from $205 billion at the beginning of the year, marking a sharp 20% rise. Tether USDT and Circle’s USDC currently dominate the stablecoin market.

對美元固定數字資產的需求一直在上升，國家各州採用的機構希望整合穩定的股票。 Stablecoins的總市值已從今年年初的2050億美元上升至2450億美元，標誌著20％的急劇增長。 Tether USDT和Circle的USDC目前主導了Stablecoin市場。

The improved regulatory environment under US President Donald Trump’s administration has seen fintechs and crypto firms pursue bank charters, further adding pressure to legacy banking systems. The joint stablecoin by U.S. banks seeks to boost transaction speeds and efficiency while fending off competition from crypto-centric firms.

美國總統唐納德·特朗普（Donald Trump）政府領導下的監管環境改善了，使金融科技公司和加密貨幣公司追求銀行憲章，進一步增加了遺產銀行系統的壓力。美國銀行的聯合Stablecoin試圖提高交易速度和效率，同時抵禦以加密貨幣為中心的公司的競爭。