根據報道富銀行正在創建自己的穩定幣和存款代幣

該公司正在考慮在區塊鏈技術領域開展新業務，旨在利用區塊鏈來結算支付。

Boston-based financial services giant State Street is reportedly planning to launch its own stablecoin and deposit token.

據報道，總部位於波士頓的金融服務巨頭道富銀行正計劃推出自己的穩定幣和存款代幣。

According to a Friday report by Bloomberg, citing people familiar with the matter, State Street is also considering using blockchain technology to settle payments. The move is part of the company’s broader strategy to integrate digital assets into its services.

根據彭博社週五引述知情人士的話報道，道富銀行也考慮使用區塊鏈技術來結算付款。此舉是該公司將數位資產整合到其服務中的更廣泛策略的一部分。

The proposed stablecoin would be a blockchain-based currency pegged to a traditional asset, likely the dollar, while the deposit token would represent customer deposits on a blockchain. A deposit token is essentially a regular deposit held by a licensed depository institution, such as a commercial bank, but it is recorded on a blockchain.

擬議的穩定幣將是一種基於區塊鏈的貨幣，與傳統資產（可能是美元）掛鉤，而存款代幣將代表區塊鏈上的客戶存款。存款代幣本質上是由商業銀行等持牌存款機構持有的定期存款，但它記錄在區塊鏈上。

State Street’s plans were first reported by Bloomberg.

道富銀行的計劃最早由彭博社報道。

The move comes amid a wave of interest in stablecoins from major players in the financial industry. For example, PayPal launched its own dollar-backed stablecoin, PYUSD, in collaboration with Paxos last year.

此舉正值金融業主要參與者對穩定幣產生濃厚興趣之際。例如，PayPal 去年與 Paxos 合作推出了自己的美元支持的穩定幣 PYUSD。

Retail investors and fintech institutions are also rapidly adopting stablecoins. However, regulation for stablecoins in the U.S. remains murky, with ongoing legislative efforts led by Reps. Maxine Waters and Patrick McHenry, and discussions in the Senate.

散戶和金融科技機構也迅速採用穩定幣。然而，美國對穩定幣的監管仍然不明朗，眾議員 Maxine Waters 和 Patrick McHenry 正在進行立法工作，並在參議院進行討論。

SEC Chair Gary Gensler has likened stablecoins to money market funds, but recent developments suggest a potential easing of regulatory scrutiny.

美國證券交易委員會主席加里·詹斯勒將穩定幣比作貨幣市場基金，但最近的事態發展表明監管審查可能會放鬆。

State Street Global Advisors, the asset management arm of State Street, recently partnered with Galaxy Asset Management to launch exchange-traded funds focusing on crypto firms. The firm also established a dedicated digital assets unit in 2021.

道富銀行旗下的資產管理部門道富環球顧問公司最近與 Galaxy Asset Management 合作推出了專注於加密貨幣公司的交易所交易基金。該公司還於 2021 年成立了專門的數位資產部門。