懷俄明州通過了第一個美國數位美元的立法

Mercado Libre 隨後於 8 月推出了 MELI 穩定幣。 MELI 整合到 Mercado Pago 平台中，是一種以美元計價的穩定幣

Several new stablecoins have been introduced in recent months, offering a range of features and aiming to boost digital asset adoption.

近幾個月推出了幾種新的穩定幣，提供了一系列功能，旨在促進數位資產的採用。

Mercado Libre unveiled its MELI stablecoin in August, which is integrated into the Mercado Pago platform. Designed to improve blockchain adoption, MELI is a dollar-denominated stablecoin that eliminates transaction fees for users and imposes a 1.5% fee on other digital assets.

Mercado Libre 於 8 月推出了 MELI 穩定幣，該穩定幣已整合到 Mercado Pago 平台中。 MELI 旨在提高區塊鏈的採用率，是一種以美元計價的穩定幣，它消除了用戶的交易費用，並對其他數位資產徵收 1.5% 的費用。

Banking Circle also announced the launch of EURI, a bank-backed stablecoin that complies with the Markets in Crypto Assets Regulation (MiCA).

Banking Circle 也宣布推出 EURI，這是一種符合加密資產市場監管 (MiCA) 的銀行支援的穩定幣。

Meanwhile, Wyoming has revealed plans for a state-issued stablecoin, which is expected to launch in 2025. The stablecoin will be backed by US Treasury bills and repurchase agreements.

同時，懷俄明州公佈了國家發行穩定幣的計劃，預計將於 2025 年推出。

These stablecoin launches come as the digital assets market recovers, with a record $170.8 billion in circulation. These assets, which are designed to maintain a stable value by pegging to a reserve currency, offer the potential for efficient trading between crypto assets and the transformation of everyday payments.

這些穩定幣的推出正值數位資產市場復甦之際，流通量達到創紀錄的 1,708 億美元。這些資產旨在透過與儲備貨幣掛鉤來保持穩定的價值，為加密資產之間的高效交易和日常支付的轉變提供了潛力。

However, critics highlight the lack of distinguishing features in many of these new stablecoins that could attract users away from established leaders like USDT and USDC.

然而，批評者強調，許多新的穩定幣缺乏顯著特徵，可能會吸引用戶遠離 USDT 和 USDC 等成熟的領導者。

USDT continues to dominate the market with nearly 70% ($118.2 billion) of the total value, while USDC boasts a substantial market cap of $34.9 billion.

USDT 繼續主導市場，佔總價值的近 70%（1,182 億美元），而 USDC 的市值高達 349 億美元。

The primary criticism lies in the limited utility of new stablecoins, which are predominantly used for crypto trading rather than everyday transactions. They are often described as a “novelty asset” that some find useful, but many simply value them for their digital cash-equivalent.

主要的批評在於新穩定幣的實用性有限，這些穩定幣主要用於加密貨幣交易而不是日常交易。它們通常被描述為一種“新奇資產”，有些人覺得有用，但許多人只是因為它們的數位現金等價物而重視它們。

Moreover, new stablecoin issuers face the challenge of regulatory compliance. Securing approval across various jurisdictions is crucial for gaining institutional trust and widespread adoption, similar to the reputation enjoyed by Tether and Circle.

此外，新的穩定幣發行人面臨監管合規的挑戰。確保各個司法管轄區的批准對於獲得機構信任和廣泛採用至關重要，類似於 Tether 和 Circle 所享有的聲譽。

While new entrants, including Mercado Libre and Banking Circle, emphasize their commitment to regulation as a key differentiator, without strong regulatory frameworks and broad institutional support, these stablecoins may struggle to achieve the level of utility and acceptance seen with established players.

雖然包括Mercado Libre 和Banking Circle 在內的新進業者強調他們對監管的承諾，將其作為關鍵的差異化因素，但如果沒有強有力的監管框架和廣泛的機構支持，這些穩定幣可能很難達到老牌參與者的實用性和接受度水準。

Ultimately, the success of new stablecoin launches will depend on their ability to offer unique features, scale past complex regulatory requirements, and gain acceptance beyond crypto trading.

最終，新穩定幣推出的成功將取決於它們提供獨特功能、超越複雜監管要求以及獲得加密貨幣交易之外的認可的能力。