穩定幣可能終於有了重要的時刻

根據Coinbase的第二季度加密報告，2025年可能是該數字資產類別的突破年。

Stablecoins, a class of digital assets pegged to the value of a fiat currency, could be having their big moment. According to Coinbase’s second quarter State of Crypto report, 2025 could be the breakout year for stablecoins. They are increasingly becoming a preferred choice in modern finance, especially among businesses and everyday users.

Stablecoins是一類數字資產，這些數字資產與法定貨幣的價值掛鉤，可能是他們的重要時刻。根據Coinbase的第二季度加密報告，2025年可能是Stablecoins的突破年。他們越來越成為現代金融中的首選選擇，尤其是在企業和日常用戶中。

There’s been a clear jump in the number of organisations exploring stablecoins for their everyday operations. Among small and medium enterprises familiar with digital assets, over 80% are keen to integrate stablecoins into their business models. These companies see this digital asset as a way to reduce costs, speed up payments, and handle international transactions more smoothly.

探索日常操作的組織的組織數量清晰。在熟悉數字資產的中小型企業中，超過80％的人熱衷於將Stablecoins整合到他們的商業模式中。這些公司將這種數字資產視為降低成本，加快付款並更加順利處理國際交易的一種方式。

Larger corporations are also showing stronger engagement. The number of Fortune 500 companies planning to use or exploring stablecoins has more than tripled compared to the previous year.

較大的公司也表現出更強的參與度。與上一年相比，計劃使用或探索Stablecoins的財富500強公司的數量增加了兩倍以上。

Similarly, nearly one in five executives from these top companies now consider blockchain and on-chain systems a key part of their future strategy. That marks a 47% rise from the year before, showing the expanding role of stablecoins beyond early adopters and into mainstream business.

同樣，這些頂級公司的近五分之一的高管現在將區塊鍊和鍊鍊系統視為其未來戰略的關鍵部分。這標誌著前一年增長了47％，顯示了穩定劑在早期採用者之外以及主流業務的不斷擴大。

Stablecoins are also gaining support from the broader public. Worldwide, over 161 million people now hold some form of stablecoin, and the total global supply has increased by more than half in the past 12 months.

Stablecoins還獲得了更廣泛的公眾的支持。在全球範圍內，超過1.61億人擁有某種形式的Stablecoin，在過去的12個月中，全球總供應量增加了一半以上。

The growth in stablecoin use is clear when looking at the actual transaction volumes. In December 2024, stablecoin transactions reached a record high of $719 billion, with April 2025 coming close at $717 billion. These figures show that stablecoins are already functioning as a powerful alternative to traditional payment methods.

查看實際交易量時，使用Stablecoin的生長很明顯。 2024年12月，Stablecoin交易達到了創紀錄的7190億美元，2025年4月收盤價為7170億美元。這些數字表明，穩定幣已經是傳統付款方式的有力替代品。

In fact, in 2024, the total amount of money transferred using stablecoins reached $27.6 trillion—exceeding the combined total volume processed by Visa and Mastercard that same year.

實際上，在2024年，使用Stablecoins轉移的總金額達到27.6萬億美元，超出了同年Visa和Mastercard處理的總數。

The report links the spike to stablecoins’ practical benefits, such as fast, low-cost cross-border transfers, cheaper payment processing, and quicker payroll for global staff—making them attractive to international businesses and supply chains.

該報告將SPIKE與Stablecoins的實際收益聯繫起來，例如快速，低成本的跨境轉移，較便宜的付款處理以及為全球員工提供更快的工資 - 使他們對國際業務和供應連鎖店有吸引力。

Interest in stablecoins isn’t limited to the business and consumer sectors. Some of the world’s most recognisable tech brands — including Apple, Airbnb, Google, and X — have reportedly begun exploring potential partnerships with cryptocurrency companies. These early discussions suggest that stablecoins could soon become part of the payment infrastructure on major global platforms.

對Stablecoins的興趣不僅限於業務和消費部門。據報導，據報導，一些世界上一些最知名的科技品牌（包括蘋果，Airbnb，Google和X）已經開始探索與加密貨幣公司的潛在合作夥伴關係。這些早期的討論表明，穩定幣可能很快成為主要全球平台上付款基礎設施的一部分。

Meanwhile, U.S. crypto policy is also shifting. Lawmakers are considering new legislation aimed at providing a clear framework for stablecoin regulation. The GENIUS Act, a bill focused on creating standards for stablecoin oversight, is approaching a key Senate vote and could move forward this week. The Vice President of the United States, JD Vance, recently mentioned that the Trump administration does not perceive the digital asset as a threat to the U.S. dollar.

同時，美國加密貨幣政策也在不斷變化。立法者正在考慮旨在為Stablecoin法規提供明確框架的新立法。 《天才法案》是一項針對Stablecoin監督制定標準的法案，正在接近參議院的重要投票，並可能在本週前進。美國副總統JD Vance最近提到，特朗普政府並未將數字資產視為對美元的威脅。

Executives at leading companies have expressed strong support for this approach. Nine out of ten leaders from the Fortune 500 agree that the country needs consistent and reliable regulations for blockchain and crypto-related technologies.

領先公司的高管對這種方法表示強烈的支持。 《財富》 500強的十名領導人中有九名同意該國需要一致可靠的區塊鍊和加密相關技術法規。

Research by Standard Chartered suggests that the GENIUS Act bill could even lead to a massive rise in the digital asset supply. They predict the market could reach $2 trillion by 2028.

標準特許研究表明，《天才法案法案》甚至可能導致數字資產供應量大幅上升。他們預測，到2028年，市場將達到2萬億美元。

Countries such as South Korea, along with regions like Hong Kong, are also developing clear regulations to support stablecoins. Daniel Tse, Managing Director of Futu Securities International—Hong Kong’s largest online brokerage—recently noted a rise in stablecoin-related investments on their platform. With strong fundamentals in place, stablecoins could see even greater growth in the near future.

韓國等國家以及香港等地區也正在製定明確的法規來支持穩定的人。 Futu Securities International（香港最大的在線經紀公司）的董事總經理Daniel Tse非常指出，與Stablecoin相關的投資在其平台上有所增加。有了強大的基本原理，Stablecoins在不久的將來可能會看到更大的增長。