Ripple 的新穩定幣 RLUSD 即將獲得紐約加密貨幣監管機構的批准

紐約金融服務部的批准意味著 Ripple 將被允許合法提供其穩定幣 RLUSD

Cryptocurrency payments company Ripple is nearing approval from New York’s top financial regulator to offer a new stablecoin, an announcement that could come within days, FOX Business has learned.

根據福斯商業頻道獲悉，加密貨幣支付公司 Ripple 即將獲得紐約最高金融監管機構的批准，推出新的穩定幣，這一消息可能會在幾天內發布。

The approval by the New York Department of Financial Services would allow Ripple to legally offer its stablecoin, called RLUSD, through a limited purpose trust charter, positioning it as a major player in New York’s regulated digital finance market and the wider stablecoin ecosystem.

紐約金融服務部的批准將允許 Ripple 透過有限目的信託章程合法提供其名為 RLUSD 的穩定幣，使其成為紐約受監管的數位金融市場和更廣泛的穩定幣生態系統的主要參與者。

Spokespeople for Ripple and the NYDFS had no comment.

Ripple 和 NYDFS 的發言人沒有發表評論。

However, multiple sources with direct knowledge of the matter confirmed the approval, which is expected to be announced officially in the coming days, pending any last-minute changes.

然而，多個直接了解此事的消息人士證實了這項批准，預計將在未來幾天正式宣布，等待最後一刻的任何變更。

While Ripple is best known for its XRP token, which serves as a bridge currency to settle cross-border payments on its RippleNet network, XRP is currently unregulated in the U.S. and subject to volatile price swings, making it unsuitable for everyday use as a stable medium of exchange.

雖然 Ripple 以其 XRP 代幣而聞名，該代幣充當 RippleNet 網路上跨境支付結算的橋樑貨幣，但 XRP 目前在美國不受監管，並且價格波動較大，因此不適合作為穩定幣日常使用。媒介。

In 2020, XRP’s price fell more than 50% and its market cap lost $16 billion when the Securities and Exchange Commission sued Ripple for allegedly violating securities laws by selling XRP without first registering those sales with the commission. The price has largely remained under $1 in the nearly four years Ripple has been locked in legal combat with the SEC.

2020 年，當美國證券交易委員會起訴 Ripple 涉嫌違反證券法、未事先向委員會登記銷售 XRP 時，XRP 的價格下跌了 50% 以上，市值損失了 160 億美元。近四年來，Ripple 與 SEC 陷入法律糾紛，價格基本上保持在 1 美元以下。

However, XRP saw a massive jump in the weeks following the victory of crypto-friendly President-elect Donald Trump on hopes that he will fulfill his promise to ease crypto regulation and make the U.S. the "crypto capital of the planet."

然而，在對加密貨幣友好的當選總統唐納德·特朗普獲勝後的幾週內，XRP 出現了大幅上漲，因為人們希望他能夠履行放鬆加密貨幣監管並使美國成為“地球加密貨幣之都”的承諾。

Today, XRP is trading at $1.70, making it the fifth largest cryptocurrency in the world by market cap.

如今，XRP 的交易價格為 1.70 美元，使其成為全球市值第五大的加密貨幣。

By issuing a regulated stablecoin, Ripple will be able to offer a steady alternative to XRP for those that may want to use digital currencies without exposure to volatility and regulatory uncertainty. The move will also put Ripple in direct competition with other established U.S. stablecoin issuers like Circle, Paxos and Gemini.

透過發行受監管的穩定幣，Ripple 將能夠為那些可能想要使用數位貨幣而不受波動性和監管不確定性影響的人提供 XRP 的穩定替代品。此舉也將使 Ripple 與 Circle、Paxos 和 Gemini 等其他成熟的美國穩定幣發行商直接競爭。

Stablecoins, digital currencies that are pegged to assets with stable valuations like the U.S. dollar, are used primarily as a store of value and a medium of exchange to facilitate faster, cheaper transactions in cross-border payments and remittances using the underlying blockchain technology. The current valuation of the stablecoin market is around $190 billion and that number is expected to grow under the incoming pro-crypto Trump administration, which is seen as being capable of passing stablecoin regulation at the federal level.

穩定幣是與美元等估值穩定的資產掛鉤的數位貨幣，主要用作價值儲存和交換媒介，以促進使用底層區塊鏈技術進行更快、更便宜的跨境支付和匯款交易。目前穩定幣市場的估值約為1900 億美元，在即將上任的支持加密貨幣的川普政府的領導下，這一數字預計將會增長，人們認為川普政府有能力在聯邦層面通過穩定幣監管。

For now, regulation at the state level is the primary solution for companies wanting to offer stablecoins. The NYDFS is known for its stringent approach to crypto regulation, ensuring that companies that want to offer digital assets meet a high regulatory bar, including complying with anti-money laundering and consumer protection regulations.

目前，州一級的監管是想要提供穩定幣的公司的主要解決方案。 NYDFS 以其嚴格的加密貨幣監管方法而聞名，確保想要提供數位資產的公司符合高監管標準，包括遵守反洗錢和消費者保護法規。

Obtaining a limited purpose trust charter, as Ripple will, is one way for businesses to offer specific services pertaining to digital assets without being subject to all the regulations of a traditional bank. Stablecoin issuers Paxos and Gemini are also registered with the NYDFS and can offer New York residents and businesses access to PAX and GUSD stablecoins through their trust charters.

正如 Ripple 所做的那樣，獲得有限目的信託章程是企業提供與數位資產相關的特定服務而無需遵守傳統銀行所有法規的一種方式。穩定幣發行人 Paxos 和 Gemini 也在 NYDFS 註冊，可以透過其信託章程向紐約居民和企業提供 PAX 和 GUSD 穩定幣。

Ripple will collaborate with other payment providers such as Moonpay for the anticipated rollout of its stablecoin in the coming days.

Ripple 將與 Moonpay 等其他支付提供者合作，預計在未來幾天內推出其穩定幣。

"For another well-capitalized, highly regulated player to enter into the global stablecoin marketplace – especially as MiCA regulation in Europe is about to be implemented – is a win-win and MoonPay is proud to provide access to RLUSD for our partners and customers on day one of Ripple's launch," said Keith Grossman, president of Enterprise at MoonPay.

「對於另一個資本充足、監管嚴格的參與者來說，進入全球穩定幣市場——尤其是歐洲即將實施MiCA 監管——是雙贏的，MoonPay 很自豪能夠為我們的合作夥伴和客戶提供RLUSD 的訪問權限Ripple 推出的第一天，」MoonPay 企業總裁 Keith Grossman 說。