為什麼Stablecoins需要銀行：數字貨幣合作的未來

加密賽經常將自己描繪成傳統金融體系的大膽挑戰者，但是在穩定敘事中的奇怪轉折表明這些數字實體需要銀行飆升。

Crypto sphere often portrays itself as the bold challenger to the traditional financial system, yet a curious twist in the stablecoin narrative suggests these digital entities need banks to soar.

加密球體經常將自己描繪成傳統金融體系的大膽挑戰者，但是在stablecoin敘述中，一個奇怪的轉折表明這些數字實體需要銀行飆升。

Amid the bright lights of Toronto at Consensus 2025, PayPal’s Jose Fernandez da Ponte made a compelling case for why collaboration with banks is essential if stablecoins are to transcend crypto-native circles. Banks, with their robust infrastructure and trusted networks, are viewed as critical partners in providing the connectivity and support stablecoins require to scale effectively.

在2025年共識的多倫多的明亮燈光中，貝寶（Paypal）的何塞·費爾南德斯·達·龐特（Jose Fernandez da Ponte）提出了一個令人信服的案例，說明為什麼與銀行合作要超越加密本地圈子，為什麼與銀行合作至關重要。銀行憑藉其強大的基礎架構和受信任的網絡，被視為關鍵合作夥伴，以提供有效擴展的連通性和支持穩定性所需的所需。

His remarks follow the backdrop of anticipated legislative changes in the U.S., paving the way for stablecoins to gain a firmer footing within the financial landscape. The forthcoming regulatory clarity holds the promise of inviting banks into the fold, catalyzing a stablecoin transformation that might dispel the cloud of skepticism hanging over digital assets. Anthony Soohoo of MoneyGram weighs in, echoing the sentiment that stablecoin legislation could address lingering doubts and propel a shift toward wider adoption.

他的言論遵循美國預期立法變更的背景，為Stablecoins鋪平了在金融環境中獲得更牢固地位的道路。即將到來的監管清晰度具有邀請銀行進入折疊的希望，催化了一種穩定的轉型，該轉化可能消除了懸掛在數字資產上的懷疑論的雲。 Moneygram的Anthony Soohoo重視，與Stablecoin立法可以解決持續的疑問並推動向更廣泛採用的轉變的情感。

As it stands, the stablecoin market is dominated by Tether’s USDT and Circle’s USDC, which together claim a staggering 90% of the sector, valued at approximately $230 billion. PayPal’s PYUSD trails with a modest supply, signaling the infancy of its journey amid giants. Fernandez da Ponte downplays market cap as the singular benchmark for success, emphasizing metrics like transaction velocity and wallet activity that truly indicate the currency’s utility and integration into everyday life.

就目前而言，Stablecoin市場由Tether的USDT和Circle的USDC主導，該公司共同擁有驚人的90％的行業，價值約為2,300億美元。貝寶（Paypal）的pyusd踪跡具有適度的供應，標誌著巨人的旅程的起步。費爾南德斯·達·龐特（Fernandez da Ponte）淡化了市值作為成功的單數基準，強調了諸如交易速度和錢包活動之類的指標，這些指標確實表明了貨幣的效用和整合到日常生活中。

Interestingly, in nations grappling with erratic inflation and currency instability, dollar-backed stablecoins have found fertile ground as a vehicle of value preservation. Soohoo highlights how MoneyGram, with its reach across 200 countries, capitalizes on this demand by providing bridges between digital and physical finance. Yet, it’s in the regulatory awakening of more stable economies that stablecoins could reshape corporate operations, bypassing previous bottlenecks in cross-border disbursements.

有趣的是，在應對不穩定的通貨膨脹和貨幣不穩定的國家中，以美元支持的穩定穩定的地面是保存價值的工具。 Soohoo強調了Moneygram在200個國家 /地區的覆蓋範圍如何通過提供數字和物理融資之間的橋樑來利用這一需求。然而，這是對更穩定的經濟體的監管覺醒，該經濟體可以重塑公司運營，繞過以前的跨境支出中的瓶頸。

The true litmus test for stablecoins lies not in speculative hype but in tangible solutions. With regulation set to define the roadmap, consumers remain indifferent to the technology’s intricacies; they care about its problem-solving prowess.

穩定黴素的真實試金測試不在於投機性炒作，而在於有形的解決方案。根據定義路線圖的法規，消費者對技術的複雜性仍然無動於衷；他們關心解決問題的能力。

As stablecoin advocates look ahead, the next five years will determine whether these digital dollars evolve beyond promising potential to tangible triumph, leveraging institutional cooperation as their unlikely ally in this financial revolution.

正如Stablecoin倡導者的前進一樣，接下來的五年將決定這些數字美元是否超出了有望取得勝利的潛力，利用機構合作是他們在這項金融革命中不太可能的盟友。