Ripple 開始測試 RLUSD 穩定幣，目標是在多個區塊鏈上進行受監管的發行

加密貨幣巨頭Ripple的官方X帳戶發布了一段短視頻，該視頻是「一分鐘加密」系列的一部分。該公司總裁 Monica Long 參與其中，向加密社區解釋了什麼是穩定幣。

The official X account of Ripple cryptocurrency giant has published a short video that is part of the “Crypto In One Minute” series. The company's president Monica Long took part in it, explaining to the crypto community what stablecoins are.

加密貨幣巨頭Ripple的官方X帳戶發布了一段短視頻，該視頻是「一分鐘加密」系列的一部分。該公司總裁 Monica Long 參與其中，向加密社區解釋了什麼是穩定幣。

This video was released after Ripple had announced the beginning of closed beta testing for its stablecoin Ripple USD (RLUSD).

該影片是在 Ripple 宣布開始對其穩定幣 Ripple USD (RLUSD) 進行內測後發布的。

Ripple begins to test RLUSD

Ripple開始測試RLUSD

While talking about stablecoins, the Ripple president described them as tokens on a blockchain that represent some kind of real-world currency, and there is a one-to-one peg between a stablecoin and the currency that backs it. In this part of the video, she referred to the U.S. dollar as a “very popular version of a stablecoin.”

在談論穩定幣時，Ripple 總裁將它們描述為區塊鏈上的代幣，代表某種現實世界的貨幣，並且穩定幣和支持它的貨幣之間存在一對一的掛鉤。在影片的這一部分中，她將美元稱為「非常流行的穩定幣版本」。

We’ve got stablecoins on the mind today...@monicalongsf is back in the hot seat with the latest #CryptoInOneMinute answering the question “What is a stablecoin?” pic.twitter.com/8WkaFq6S7a

今天我們想到的是穩定幣...@monicalongsf 又回到了熱門話題，最新的 #CryptoInOneMinute 回答了「什麼是穩定幣？」這個問題。 pic.twitter.com/8WkaFq6S7a

Earlier this week, the beta testing of RLUSD was announced. As part of it, the stablecoin cannot be bought or sold yet. It will be tested by a selected group of Ripple's corporate partners.

本週早些時候，RLUSD 宣布進行 Beta 測試。作為其中的一部分，穩定幣尚無法買賣。它將由 Ripple 選定的一組企業合作夥伴進行測試。

When Ripple is granted final permission from regulators, it will launch its stablecoin not only on XRP Ledger and Ethereum but also on other blockchains.

當 Ripple 獲得監管機構的最終許可時，它將不僅在 XRP Ledger 和以太坊上推出其穩定幣，還將在其他區塊鏈上推出。

Are stablecoins really stable?

穩定幣真的穩定嗎？

The most popular stablecoins on the market at the moment are Tether's USDT and Circle's USDC, both backed by U.S. dollars. Tether also has U.S. Treasuries to back its stablecoin. However, last year, in March, USDC experienced a brief depeg from the dollar when three major U.S. banks — Silicon Valley Bank, Signature Bank and Silvergate Bank — collapsed as a result of a banking crisis that occurred last year. Until recently, USDT also was a subject of scrutiny as regulators and many crypto companies had doubts about whether Tether has enough USD reserves to back all the USDT they issue quickly and frequently on a number of blockchains.

目前市場上最受歡迎的穩定幣是 Tether 的 USDT 和 Circle 的 USDC，兩者均以美元為支撐。 Tether 還擁有美國國債來支持其穩定幣。然而，去年 3 月，美國三大銀行——矽谷銀行、Signature 銀行和 Silvergate 銀行——因去年發生的銀行業危機而倒閉，USDC 經歷了短暫的與美元脫鉤。直到最近，USDT 還成為審查的對象，因為監管機構和許多加密貨幣公司對 Tether 是否有足夠的美元儲備來支持他們在多個區塊鏈上快速、頻繁發行的所有 USDT 表示懷疑。

Many crypto holders do not trust stablecoins due to their overall distrust of the fiat financial system (with the U.S. dollar as the supreme player) and, pointing out to the fast-growing U.S. national debt (equaling $35 trillion by now), prefer to hold their funds in Bitcoin and other cryptocurrencies.

許多加密貨幣持有者不信任穩定幣，因為他們對法定金融體系（以美元為最高參與者）總體不信任，並指出美國國債快速增長（目前已達到 35 兆美元），因此更願意持有他們的資金是比特幣和其他加密貨幣。

Many saw their distrust increase after in May 2022, the algorithmic UST stablecoin created by the Terra blockchain crashed, losing its $1 peg and causing a significant drawdown of the crypto market and the Bitcoin price

2022 年 5 月，由 Terra 區塊鏈創建的演算法 UST 穩定幣崩潰，失去了 1 美元的掛鉤，並導致加密市場和比特幣價格大幅下跌，許多人的不信任感增加