美國主要銀行正在合作推出一個受監管的Stablecoin

隨著《天才法案》在參議院獲得多數支持，美國一些最大的銀行正準備跳入區塊鏈。

Major US banks are joining forces to create a regulated stablecoin, aiming to challenge the existing crypto leaders like Tether.

美國主要銀行正在聯合起來創建一個受監管的穩定者，旨在挑戰像Tether這樣的現有加密貨幣領導人。

The news: As the GENIUS Act gains majority support in the Senate, some of America's largest banks are preparing to dive headfirst into blockchain. According to the Wall Street Journal, JPMorgan Chase, Wells Fargo, Bank of America, and Citigroup are in early talks to launch a joint stablecoin.

新聞：隨著《天才法案》在參議院獲得多數支持，美國一些最大的銀行正準備深入研究區塊鏈。據《華爾街日報》報導，摩根大通，富國銀行，美國銀行和花旗集團正在早期談判發起聯合穩定的stablecoin。

With a pro-crypto administration in the White House and the GENIUS Act paving the way, the timing couldn't be better. This move could disrupt the $243 billion stablecoin market, currently dominated by Tether's USDT with a $152 billion market share.

在白宮和天才法案鋪平道路上的親克萊普特政府，時機再好不過了。此舉可能會破壞2430億美元的Stablecoin市場，目前由Tether的USDT主導，市場份額為1520億美元。

What else is new: The project also involves major payment players like Zelle and the Clearing House's real-time payment network. As discussions are still in the early stages, the goal is to develop a fully regulated, bank-backed stablecoin that would be integrated with the existing financial system.

還有什麼新鮮事物：該項目還涉及Zelle等主要的支付參與者和清算室的實時支付網絡。由於討論仍處於早期階段，其目標是開發一個完全受監管的銀行支持的穩定股，該穩定股將與現有金融體系集成。

This contrasts sharply with the smaller, decentralized stablecoins like USDC, which are also seeking to gain approval from regulators.

這與USDC（USDC）等較小的，分散的穩定劑形成鮮明對比，後者也試圖獲得監管機構的批准。

Trust and liquidity: One X user highlighted how a stablecoin backed by major US banks would instantly win on trust and liquidity, pushing out smaller players in the decentralized finance space.

信任和流動性：一位X用戶強調了由美國主要銀行支持的穩定者如何立即贏得信任和流動性，從而在分散的融資領域推出了較小的參與者。

While this would bring stability and mainstream appeal, it also risks centralizing a space originally built to be open and decentralized.

儘管這將帶來穩定和主流吸引力，但它也有可能集中一個最初建造的空間，該空間最初是開放和分散的。

If top-tier US banks drop a joint stablecoin, expect a seismic shift—instant trust, deep liquidity, and integration with legacy rails could make it the default pick for institutions, but also threaten to freeze out smaller players and open protocols.Could this accelerate

如果美國頂級銀行放棄了聯合穩定的穩定者，請期待地震轉變 - 建立信任，深厚的流動性以及與傳統軌道的整合可能使其成為機構的默認選擇，但也威脅要凍結較小的參與者並開放協議。

Hoskinson says, "I told you so": Notably, Cardano founder Charles Hoskinson, known for his optimistic outlooks, reacted with "as predicted" on X.

霍斯金森說：“我告訴過你”：值得注意的是，卡爾達諾（Cardano）創始人查爾斯·霍斯金森（Charles Hoskinson）以其樂觀的前景而聞名，對X上的“預測”作出了反應。

Hoskinson has previously stated that institutions would eventually adopt blockchain, and this latest move only strengthens his case. His post sparked reactions from crypto enthusiasts, especially as reports of Meta exploring stablecoins for payments also emerged.

霍斯金森此前曾表示，機構最終將採用區塊鏈，而這一最新舉措只會加強他的案子。他的帖子引發了加密愛好者的反應，尤其是當元探索穩定幣的報導也出現了。

The bigger picture: The timing of this development is crucial. The recently advanced GENIUS Act offers a clear regulatory framework for stablecoins, setting the stage perfectly for traditional finance to enter the crypto domain.

更大的情況：這一發展的時機至關重要。最近高級的天才法案為Stablecoins提供了一個明確的監管框架，為傳統的金融奠定了舞台，以進入加密貨幣域。

Moreover, President Trump's administration has shown support for cryptocurrencies, further accelerating adoption.

此外，特朗普總統的政府已顯示出對加密貨幣的支持，進一步加速了採用。

The US banks are hoping to combine the trust they've built over decades with the speed and transparency of blockchain, aiming to create a hybrid financial technology that could quickly attract a large user base.

美國銀行希望將他們數十年來建立的信任與區塊鏈的速度和透明度相結合，旨在創建一種混合金融技術，以迅速吸引大型用戶群。