Stablecoins：一次革新金融一步

了解穩定幣及其在金融未來中的作用

Industry heavyweights descended upon Toronto to chart the course of digital finance, with the burgeoning realm of stablecoins taking center stage. Among the insightful contributions, José Fernandez da Ponte from PayPal offered a compelling perspective on the role banks could play in propelling the widespread adoption of stablecoins.

行業重量級人物降落在多倫多，以繪製數字融資的進程，而穩定的穩定領域則是中心舞台。在有見地的貢獻中，PayPal的JoséFernandezda Ponte對銀行在推動廣泛採用Stablecoins的角色方面提出了令人信服的觀點。

Highlighting the strengths of traditional institutions, da Ponte envisioned a future where digital currencies seamlessly integrate into the mainstream, moving beyond the confines of crypto circles. According to him, banks' involvement is crucial, given their existing infrastructure in areas such as custody solutions and fiat integration.

達·龐特（Da Ponte）強調了傳統機構的優勢，設想了一個未來，在該未來中，數字貨幣無縫地集成到主流中，超越了加密圈的範圍。據他介紹，鑑於其現有的基礎設施在託管解決方案和菲亞特整合等領域，銀行的參與至關重要。

“They [banks] have the network, they have the legal entities, they have custody, they can do fiat integration. What's missing is the velocity, the volumes, and the active users. That's what the crypto industry brings to the table,” da Ponte explained. He further noted that although platforms like Tether and Circle currently dominate the stablecoin landscape with a 90% market share in a $230 billion asset class, newcomers like PayPal are emerging and focusing on metrics beyond market capitalization.

“他們（銀行）擁有網絡，擁有法律實體，有監護權，可以進行菲亞特整合。缺少的是速度，數量和活躍的用戶。這就是加密貨幣行業所帶來的餐桌，”達·龐特（Da Ponte）解釋說。他進一步指出，儘管Tether and Circle等平台目前在Stablecoin景觀中佔據主導地位，在2,300億美元的資產類別中，市場份額為90％，但PayPal等新移民仍在出現，並著重於超出市值的指標。

The success of these new entrants will hinge on engaging a broader user base and driving transaction velocity. This competitive dynamic is unfolding as the U.S. Congress navigates the complexities of regulating digital assets.

這些新進入者的成功將取決於吸引更廣泛的用戶群和驅動交易速度。隨著美國國會在規範數字資產的複雜性時，這種競爭動態正在展開。

Highlighting the broader implications of this regulatory move, Anthony Soohoo from MoneyGram described it as a key step in building trust. He explained that while there was initial reluctance among some to engage with cryptocurrencies, the willingness of lawmakers to intervene and inject clarity is facilitating a transition.

Moneygram的Anthony Soohoo強調了這一監管舉動的更廣泛的含義，將其描述為建立信任的關鍵步驟。他解釋說，儘管有些人最初不願與加密貨幣互動，但立法者介入和注入清晰度的意願正在促進過渡。

This shift is unfolding in response to consumer concerns, particularly regarding the stability of the financial system and the trustworthiness of financial institutions.

這一轉變是為了應對消費者的關注，特別是關於金融體系的穩定性和金融機構的可信度。

“I think there's a natural progression in terms of the level of trust with financial institutions versus the level of trust with government bodies. There's a natural hierarchy that plays out,” Soohoo elaborated.

Soohoo闡述說：“我認為，金融機構的信任程度與政府機構的信任程度上的信任程度是自然的。

However, despite the rapid development of the crypto industry, it faces an interesting challenge—consumers aren't necessarily interested in the technology itself. They're seeking solutions to pressing problems.

但是，儘管加密行業發展迅速，但面臨著一個有趣的挑戰 - 消費者不一定對技術本身感興趣。他們正在尋找解決問題的解決方案。

In emerging markets, where inflation and monetary volatility are rampant, dollar-backed stablecoins offer a beacon of hope. These digital assets provide a haven for performing transactions safely and potentially saving in an asset that holds value. This factor contributes to the swift adoption of stablecoins in such markets.

在新興市場，通貨膨脹和貨幣波動猖ramp的新興市場中，美元支持的Stablecoins提供了希望的燈塔。這些數字資產為安全和潛在地節省了具有價值的資產提供了避​​風港。這個因素有助於在此類市場中迅速採用穩定劑。

In stark contrast, developed world economies are seeing a slower uptake of stablecoins. Although they may not be in urgent need of dollar-backed assets, the promise of stablecoins streamlining cross-border transactions and corporate financial operations remains tantalizing.

與之形成鮮明對比的是，發達國家經濟體的吸收較慢。儘管他們可能不需要美元支持的資產，但穩定幣的承諾簡化了跨境交易和企業金融業務仍然誘人。

Imagine a world where financial disbursements aren't encumbered by conventional delays—swift, seamless, and borderless. This vision, if realized, could spawn a new era of global financial integration.

想像一個世界，沒有傳統的延誤（旋轉，無縫且無邊界）所付出的財務支出。如果實現的話，這種願景可以產生全球金融整合的新時代。

As industry leaders continue to navigate the evolving landscape of digital finance, they are faced with the pressing call to action—challenge stablecoins must solve tangible problems.

隨著行業領導者繼續在數字金融的不斷發展的景觀中導航，他們面臨著緊迫的呼籲 - 挑戰穩定的穩定性必須解決切實的問題。

Consumers aren't interested in the technological intricacies; they yearn for solutions that will enhance their lives and provide stability, convenience, and security in the ever-evolving realm of digital finance.

消費者對技術複雜性不感興趣。他們渴望解決能夠改善生活並在數字融資領域中提供穩定，便利和安全的解決方案。