穩定幣：貨幣的未來

現在，穩定幣在全球金融體系中變得越來越重要。儘管它們是加密貨幣，但與其他加密貨幣相比，許多人更喜歡穩定幣。

Stablecoins, a class of cryptocurrencies designed to maintain a steady value, are gaining prominence within global financial systems. Many individuals opt for stablecoins over other cryptocurrencies, owing to their穩定性. These digital assets are typically pegged to a fiat currency, such as the U.S. dollar, or other assets, including gold.

穩定幣是一類旨在維持穩定價值的加密貨幣，在全球金融體系中日益受到重視。由於穩定幣的穩定性，許多人選擇穩定幣而不是其他加密貨幣。這些數位資產通常與法定貨幣（例如美元）或其他資產（包括黃金）掛鉤。

A report by Bernstein broker reveals that stablecoins collectively rank as the 18th largest holder of U.S. Treasuries. Notably, some stablecoins are pegged to the U.S. dollar, while others are linked to a basket of fiat currencies or assets.

伯恩斯坦經紀人的一份報告顯示，穩定幣在美國公債持有者中排名第 18 位。值得注意的是，有些穩定幣與美元掛鉤，而有些則與一籃子法定貨幣或資產掛鉤。

The total supply of stablecoins experienced a slight decline in 2023; however, their market capitalization has reached record highs. According to data from Forbes, the market cap of stablecoins now stands at $172.38 billion.

2023年穩定幣總供應量出現小幅下降；然而，它們的市值已創歷史新高。根據《富比士》數據，目前穩定幣市值為 1,723.8 億美元。

Presently, there are approximately 150 stablecoins موجود in the market. Among these, Tether (USDT) maintains a dominant position with a market capitalization of $118.8 billion. Following closely behind is USDC, with a market cap of $35.5 billion.

目前，市場上大約有150種穩定幣。其中，Tether（USDT）以1188億美元的市值保持主導地位。緊隨其後的是 USDC，市值為 355 億美元。

Stablecoins have also facilitated impressive growth in monthly on-chain payment volumes, which reached a staggering $1.4 trillion in July of this year. Remarkably, this represents nearly triple the volume observed last year.

穩定幣還促進了每月鏈上支付量的驚人增長，今年 7 月達到了驚人的 1.4 兆美元。值得注意的是，這幾乎是去年觀察到的數量的三倍。

Several major companies, including PayPal, Ralph Lauren, and AMC Theaters, have integrated stablecoins into their systems to facilitate faster and more affordable transactions. As more companies embrace crypto payments, particularly those enabled by stablecoins, we can expect to see an increasing number of crypto projects launching new stable coins.

PayPal、Ralph Lauren 和 AMC Theaters 等幾家大公司已將穩定幣整合到其係統中，以促進更快、更實惠的交易。隨著越來越多的公司接受加密支付，特別是那些由穩定幣支持的支付，我們預計將會看到越來越多的加密項目推出新的穩定幣。

At Token2049, Bitgo announced its plans to launch a stablecoin pegged to the USDC in January 2025. By integrating stablecoins, businesses can harness the potential of the future of money.

在 Token2049 上，Bitgo 宣布計劃於 2025 年 1 月推出與 USDC 掛鉤的穩定幣。

Interestingly, stable coins are also becoming increasingly popular among the younger generation. According to a report, approximately 20% of individuals between the ages of 18 and 24 allocate over 25% of their portfolios to stablecoins, showing a clear preference for storing their value in these digital assets rather than traditional fiat currencies.

有趣的是，穩定幣也越來越受到年輕一代的歡迎。一份報告顯示，大約20% 的18 歲至24 歲之間的個人將其投資組合的25% 以上配置為穩定幣，這表明他們明顯傾向於將其價值存儲在這些數位資產而不是傳統的法定貨幣中。

As the market capitalization of stable coins continues to rise, more companies integrate these into their financial systems, and additional crypto projects launch stable coins pegged to a variety of assets, it will be fascinating to observe the future trajectory of stable coins in the coming years.

隨著穩定幣的市值持續上升，越來越多的公司將其整合到其金融系統中，並且更多的加密項目推出與各種資產掛鉤的穩定幣，觀察未來幾年穩定幣的未來軌跡將是令人著迷的。