大型银行可能会推出自己的稳定币，以跟上金融的酷孩子

华尔街最大的银行可能会创造自己的稳定币，以跟上财务的酷孩子 - 也许是因为将吉列换成品牌街头服装是太难了。

output: As the dust settles on another round of layoffs and gilets are swapped for branded streetwear, it seems the biggest banks on Wall Street may create a stablecoin of their own to keep up with finance’s cool kids – perhaps because that's less difficult than quickly learning how to speak ‘밈’ (meme) in Korean.

输出：随着尘埃落定在另一轮裁员和gilets换成品牌街头服装时，华尔街上最大的银行似乎可能会创造自己的稳定者，以跟上财务上的酷孩子，这也许是因为这比快速学习如何在韩国说“밈밈”（Meme）的难度要不那么困难。

What's going on?

这是怎么回事？

Stablecoins are digital tokens that are meant to be closely tied in value to a more traditional asset, such as a fiat currency, which in theory makes them less prone to rapid price swings than “unpegged” cryptos. And they're certainly piquing the interest of Wall Street. JPMorgan (JPM), Bank of America (BAC), Citigroup (C) and Wells Fargo (WFC) are in early-stage talks to jointly issue a stablecoin, according to people familiar with the matter.

Stablecoins是数字代币，其价值与更传统的资产（例如菲亚特货币）紧密相关，从理论上讲，与“未固定”的加密货币相比，这使得它们更不容易快速波动。他们肯定会引起华尔街的兴趣。据熟悉此事的人们说，摩根大通（JPM），美国银行（BAC），花旗集团（C）和富国银行（WFC）正在早期对话，共同发行稳定的人。

Their digital dollar would be backed by traditionally stable assets like Treasury bonds and channeled through existing payment networks. After all, banks have been the main point of contact for handling your money, including where it's stored (deposits) and how it moves (payments). But now, more crypto startups and tech giants are offering digital dollars in the form of stablecoins, which could make people less reliant on using traditional banks.

他们的数字美元将得到传统上稳定的资产（例如国债债券）的支持，并通过现有的支付网络进行了渠道。毕竟，银行一直是处理您的资金的主要联系点，包括存储的位置（存款）以及如何移动（付款）。但是现在，越来越多的加密初创公司和科技巨头以Stablecoins的形式提供数字美元，这可能会使人们不再依赖使用传统银行。

That possibility seems to be growing, especially as the US president is co-signing the shift by launching his own meme coin and a dollar-backed stablecoin. It's no surprise that big banks are adapting, as control of the financial system and a large portion of the revenue generated from it are at stake.

这种可能性似乎正在增长，尤其是当美国总统通过推出自己的模因硬币和一美元支持的Stablecoin共同签署这一转变时。大型银行正在适应，因为对金融体系的控制以及从中产生的大部分收入的控制权都受到威胁。

What does it mean?

这是什么意思？

For markets: The market for stablecoins has grown rapidly, now worth $243 billion, up from $152 billion a year ago. Not only have the coins attracted investors looking to benefit from next-generation currencies while keeping price movements in check, but they're also being used for everyday spending. For example, Visa (V) and Stripe have teamed up to allow customers in Latin America to spend digital currencies by swiping their regular plastic cards.

对于市场：Stablecoins的市场迅速增长，现在价值2430亿美元，高于一年前的1520亿美元。硬币不仅吸引了希望从下一代货币中受益的投资者，同时保持价格变动，而且还用于日常支出。例如，Visa（V）和Stripe联手允许拉丁美洲的客户通过刷卡来花费数字货币。

Moreover, you can now earn interest on these coins, with established providers like Circle and Tether typically keeping the interest payments to themselves. However, newer entrants like Mountain Protocol (issuer of USDM) and Ethena (issuer of USDe) are distributing at least a portion of the earnings to users. In their pursuit of the best return, people have already deposited over $13 billion into interest-yielding stablecoins.

此外，您现在可以在这些硬币上赚取利息，诸如Circle和Tether等既定提供商通常都将利息支付给自己。但是，诸如USDM的发行人（USDE的发行人）之类的新参与者（USDE的发行人）将至少部分收益分发给用户。为了追求最佳回报，人们已经将超过130亿美元的股份存放到了兴趣的Stablecoins中。