美国银行JPMorgan，美国银行探索启动共享Stablecoin

一群美国主要银行，摩根大通，美国银行，花旗集团和富国银行，正在早期讨论，可能会推出共享的Stablecoin。

A group of major U.S. banks, including JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo, is in early discussions to potentially launch a shared stablecoin, according to a report by The Wall Street Journal. The plan would also include Early Warning Services, the company behind the popular payment service Zelle, and The Clearing House, a significant real-time payments system.

根据《华尔街日报》的一份报告，一组美国主要银行，包括摩根大通，美国银行，花旗集团和富国银行，正在早期讨论，以可能推出共享的Stablecoin。该计划还将包括预警服务，受欢迎的支付服务Zelle背后的公司以及大量的实时支付系统的交换所。

The proposal, still in the conceptual stages, has been spurred by a desire among legacy banks to innovate as a collective force. This move comes in response to the rapid expansion of cryptocurrency platforms, many of which offer decentralized and largely institution-free financial services.

该提案仍处于概念阶段，这是由于传统银行中的渴望作为集体力量而刺激了这一提议。此举是为了响应加密货币平台的快速扩展，其中许多平台提供了分散且在很大程度上不含机构的金融服务。

Stablecoins, digital currencies pegged to stable assets like the U.S. dollar, have become integral to the crypto economy due to their low volatility levels. The banks’ interest in such an instrument underscores the broader industry recognition of the value and utility of stablecoins, along with the need for upgrading existing financial technology.

稳定的数字货币与稳定资产（如美元）挂钩，由于其波动率低，已成为加密经济不可或缺的一部分。银行对这种工具的兴趣强调了对稳定币的价值和实用性的广泛认识，以及升级现有金融技术的需求。

A consortium-backed stablecoin could provide institutional and individual customers with a regulated and reputable option. It would also allow other non-member banks to participate, potentially boosting the stablecoin’s liquidity and accessibility within the U.S. financial system.

由财团支持的Stablecoin可以为机构和个人客户提供受监管且信誉良好的选择。它还将允许其他非会员银行参与，从而有可能提高美国金融体系内稳定的流动性和可及性。

However, the tie-up is still in its nascent stages, and none of the banks involved have made any announcements or confirmations regarding the venture. Any such joint venture would face regulatory obstacles, technological challenges, and the need to coordinate standards among the various participants.

但是，合作阶段仍处于新生阶段，涉及的银行都没有关于该合资企业的任何公告或确认。任何此类合资企业都将面临监管障碍，技术挑战，并需要协调各个参与者的标准。

The concept of a joint bank-backed stablecoin also comes at a time when digital currency policy is gaining more attention within American politics. Earlier this year, a bipartisan group of U.S. lawmakers introduced a bill that would grant the Securities and Exchange Commission broad authority to regulate stablecoins.

联合银行支持的Stablecoin的概念也出现在数字货币政策在美国政治中受到更多关注的时候。今年早些时候，美国立法者的两党组提出了一项法案，该法案将授予美国证券交易委员会的广泛权力来规范稳定的稳定。

Public figures’ recent comments in favor of crypto are also placing more emphasis on established financial institutions to modernize their offerings. Otherwise, they risk losing relevance and market share in an increasingly digitized and decentralized economic landscape.

公众人物最近对加密货币的评论也更加重视已建立的金融机构，以使其产品现代化。否则，他们可能会在越来越多的数字化和分散的经济格局中失去相关性和市场份额。

Despite the discussions, the final form and viability of the venture will depend on several factors, including regulatory guidance, public trust, and the pace of technological adoption.

尽管进行了讨论，但该合资企业的最终形式和可行性将取决于几个因素，包括监管指导，公共信任和技术采用的步伐。