美国银行巨头Eye Stablecoin发射

在传统金融和加密货币的重大发展中，据报道，美国主要银行正在谈判发起共同发行的Stablecoin。

Major U.S. banks are discussing the possibility of jointly launching a stablecoin, according to a report by Wu Blockchain.

根据Wu区块链的报告，美国主要银行正在讨论共同推出Stablecoin的可能性。

The consortium includes JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo, four of the largest banking institutions in the country. The discussions also involve Early Warning Services, which operates Zelle, and The Clearing House, a key real-time payments network.

该财团包括摩根大通，美国银行，花旗集团和富国银行，这是该国四家最大的银行机构。讨论还涉及经营Zelle的预警服务，以及关键的实时支付网络The Clearing House。

The goal is to develop a dollar-backed digital token that could simplify and speed up everyday payments for both consumers and businesses. Unlike decentralized stablecoins such as USDT or USDC, this new bank-led initiative would be fully centralized and tightly regulated.

目的是开发一个以美元支持的数字令牌，可以简化和加快消费者和企业的日常付款。与分散的稳定者（例如USDT或USDC）不同，这项新的以银行为主导的计划将完全集中并受到严格监管。

This could make it more appealing to risk-averse users, institutions, and regulators. The project aims to bridge the gap between traditional banking and modern crypto infrastructure.

这可能使其对规避风险的用户，机构和监管机构更具吸引力。该项目旨在弥合传统银行和现代加密基础设施之间的差距。

By leveraging their existing networks and customer bases, these banks could introduce stablecoin utility to millions of users without them needing to leave their banking apps.

通过利用其现有网络和客户群，这些银行可以向数百万用户引入Stablecoin实用程序，而无需离开银行应用程序。

This initiative would also mark a major endorsement of blockchain-like technology by U.S. banking giants, signaling increasing institutional interest in digital assets—not just for speculation, but as practical financial tools.

这项倡议还将标志着美国银行巨头对区块链技术的主要认可，这表明在数字资产中增加了机构的兴趣，而不仅仅是用于猜测，而是作为实际的财务工具。

Major U.S. banks including JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo are reportedly exploring the possibility of jointly issuing a stablecoin, with discussions involving Early Warning Services, the operator of the Zelle payment system, and The Clearing House, a… pic.twitter.com/w4i5zC887G

据报道

— Wu Blockchain (@WuBlockchain) May 23, 2025

- Wu区块链（@wublockchain）2025年5月23日

What This Means for Crypto and Payments

这对加密和付款意味着什么

If successful, this stablecoin could revolutionize how money moves within the U.S., especially for peer-to-peer transfers, business payments, and cross-border transactions. It may also put competitive pressure on existing stablecoins and private-sector crypto projects.

如果成功的话，这种稳定的人可能会彻底改变美国境内的货币如何移动，尤其是对于点对点转移，商业支付和跨境交易。它也可能对现有的Stablecoins和私营部门加密项目构成竞争压力。

At the same time, such a move raises questions about privacy, control, and the potential sidelining of decentralized financial platforms.

同时，这样的举动引发了有关隐私，控制和分散财务平台潜在局外的疑问。

Still, the fact that traditional banks are stepping into the stablecoin space shows that digital currencies are moving closer to mainstream financial ecosystems.

尽管如此，传统银行正在进入Stablecoin空间的事实表明，数字货币正靠近主流金融生态系统。