大银行可以在稳定的人数上找到安全

共同努力可以使他们免受任何用于为犯罪或恐怖提供资金的硬币的声誉风险。

Banks are contemplating a role for themselves in stablecoins if pending US legislation helps take cryptocurrencies and their gateway products mainstream.

银行正在考虑在美国立法及其立法有助于接受加密货币及其门户产品主流的情况下为自己的角色发挥作用。

Companies owned by Bank of America Corp., Citigroup Inc., JPMorgan and Wells Fargo have discussed jointly issued coins, the Wall Street Journal reported on Monday, citing people familiar with the matter.

《华尔街日报》报道，由美国银行公司，花旗集团，摩根大通和富国银行拥有的公司共同讨论了共同发行的硬币。

European lenders such as Banco Santander are also potentially interested in such projects, the report said.

报告说，诸如桑坦德银行（Banco Santander）之类的欧洲贷方也可能对此类项目感兴趣。

It makes sense for banks to be involved in products that could compete directly with their own payment services and deposits. It’s also sensible for them to work together to shield them individually from the reputational risk of any coin they issue being used to fund crime or terror. They still need better rules and defenses around that possibility as well as confidence that the technology will be reliable.

银行参与可以直接与自己的支付服务和存款竞争的产品是有意义的。对于他们共同努力，将他们分别避免遭到用于资助犯罪或恐怖的任何硬币的声誉风险，这也是明智的。他们仍然需要围绕这种可能性的更好的规则和防御能力，以及对技术将是可靠的信心。

The report comes as the US Congress is debating legislation that would create a framework for cryptocurrencies and stablecoins. The bipartisan bill, known as the "Responsible Financial Innovation Act," would give the Federal Reserve the authority to regulate stablecoins and other digital assets.

该报告随着美国国会正在辩论立法，该立法将为加密货币和稳定币创建框架。两党法案，称为“负责任的金融创新法”，将赋予美联储监管稳定币和其他数字资产的权力。

The bill is being led by Democratic Senator Mark Warner and Republican Senator Tim Scott. It would also create a new category of "high-quality" stablecoins that would be backed by two or more assets, such as US Treasury bonds and short-term commercial paper.

该法案由民主党参议员马克·华纳（Mark Warner）和共和党参议员蒂姆·斯科特（Tim Scott）领导。它还将创建一个新的“高质量”稳定类别的类别，该类别将由两个或更多资产（例如美国国库债券和短期商业票据）支持。

The House Financial Services Committee is also expected to vote this week on a bipartisan bill that would create a regulatory framework for stablecoins. The bill, which is being led by Democratic Chair Maxine Waters and Republican ranking member Patrick McHenry, would require stablecoin issuers to register with the Securities and Exchange Commission and the Commodities Futures Trading Commission.

众议院金融服务委员会还预计将在本周对两党法案进行投票，该法案将为Stablecoins创建监管框架。该法案由民主党主席Maxine Waters和共和党排名成员Patrick McHenry领导，要求Stablecoin发行人在美国证券交易委员会和商品期货交易委员会中注册。

The involvement of major banks could be a game changer for the stablecoin market. It could help to increase the liquidity and stability of stablecoins, as well as reduce the risk of fraud and abuse.

主要银行的参与可能是Stablecoin市场的游戏规则改变者。它可能有助于提高稳定菌的流动性和稳定性，并降低欺诈和虐待的风险。

However, it is important to note that these discussions are still in the early stages and there is no guarantee that any joint stablecoin projects will be launched.

但是，重要的是要注意，这些讨论仍处于早期阶段，并且不能保证将启动任何联合Stablecoin项目。

The integration of major banks in the exploration of a joint stablecoin initiative, as reported by the Wall Street Journal, marks a significant development in the cryptocurrency domain. This collaboration, if realized, could reshape the competitive landscape within the financial services sector.

根据《华尔街日报》报道的那样，主要银行在探索联合稳定倡议的探索中的整合标志着加密货币领域的重大发展。如果实现的话，这种合作可以重塑金融服务领域内的竞争格局。

As the US Congress deliberates legislation to introduce a framework for cryptocurrencies and stablecoins, paving the way for their integration into mainstream financial products and services, major banks are positioning themselves for this new era.

随着美国国会审议立法为加密货币和稳定币介绍框架，为它们集成到主流金融产品和服务铺平了道路时，主要银行正在为这个新时代定位自己。

The report by the Journal indicates that executives at Bank of America, Citigroup, JPMorgan, and Wells Fargo have engaged in preliminary discussions regarding the joint issuance of a stablecoin. This initiative stems from the pressing need for a stablecoin to be backed by a large and trusted institution in order to gain widespread adoption among consumers and businesses.

该期刊的报告表明，美国银行，花旗集团，摩根大通和富国银行的高管已经参与了有关联合发行Stablecoin的初步讨论。这项倡议源于迫切需要由大型且值得信赖的机构提供支持，以便在消费者和企业中广泛采用。

Furthermore, the integration of major banks could be a game changer for the stablecoin market. It could help to increase the liquidity and stability of stablecoins, as well as reduce the risk of fraud and abuse.

此外，主要银行的整合可能是Stablecoin市场的游戏规则改变者。它可能有助于提高稳定菌的流动性和稳定性，并降低欺诈和虐待的风险。

However, it is important to note that these discussions are still in the early stages and there is no guarantee that any joint stablecoin projects will be launched.

但是，重要的是要注意，这些讨论仍处于早期阶段，并且不能保证将启动任何联合Stablecoin项目。

The involvement of major banks in exploring the possibility of a joint stablecoin initiative, as reported by the Wall Street Journal, signals a significant shift in the cryptocurrency landscape. This collaboration could reshape the competitive landscape within the financial services sector and herald a new era of integrated financial technology.

根据《华尔街日报》报道的那样，主要银行参与了探索联合Stablecoin倡议的可能性，这表明加密货币景观发生了重大转变。这种合作可以重塑金融服务领域内的竞争格局，并预示着综合金融技术的新时代。

As the US Congress deliberates legislation to introduce a framework for cryptocurrencies and stablecoins, paving the way for their integration into mainstream financial products and services, major banks are positioning themselves accordingly.

随着美国国会审议立法为加密货币和稳定币介绍框架，为它们集成到主流金融产品和服务铺平了道路时，主要银行正在相应地定位自己。

Executives at Bank of America, Citigroup, JPMorgan, and Wells Fargo have discussed the possibility of jointly issuing a stablecoin, according to the report by the Journal. The integration of major banks could be a game changer for the stablecoin market. It could help to increase the liquidity and stability of stablecoins, as well as reduce the risk of fraud and abuse.

该杂志的报告称，美国银行，花旗集团，摩根大通和富国银行的高管已经讨论了共同发行稳定的可能性。主要银行的整合可能是Stablecoin市场的游戏规则改变者。它可能有助于提高稳定菌的流动性和稳定性，并降低欺诈和虐待的风险。

However, it is important to note that these discussions are still in the early stages and there is no guarantee that any joint stablecoin projects will be launched.

但是，重要的是要注意，这些讨论仍处于早期阶段，并且不能保证将启动任何联合Stablecoin项目。

The report by the Journal also notes that European lenders, such as Banco Santander, are interested in such projects.

《杂志》的报告还指出，欧洲贷方（例如桑坦德）等欧洲贷方对此类项目感兴趣。

This initiative is driven by the pressing need for a stablecoin to be backed by a large and trusted institution in order to gain widespread adoption among consumers and businesses. Any coin issued by the banks would also need better rules and defenses to prevent it being used to fund crime or terror.

这项倡议是由大型且值得信赖的机构提供支持的迫切需求，以便在消费者和企业中广泛采用。银行发出的任何硬币也需要更好的规则和辩护，以防止其用于资助犯罪或恐怖。

The bipartisan bill, which is being led by Democratic Senator Mark Warner and Republican Senator Tim Scott, would give the Federal Reserve the authority to regulate stablecoins and other digital assets. It would also create a new category of “high-quality” stablecoins that would be backed by two or more assets, such as US Treasury bonds and short-term commercial paper.

由民主党参议员马克·华纳（Mark Warner）和共和党参议员蒂姆·斯科特（Tim Scott）领导的两党法案将赋予美联储监管稳定股和其他数字资产的权力。它还将创建一个新的“高质量”稳定剂，该类别将由两个或更多资产的支持，例如美国财政债券和短期商业票据。

The House Financial Services Committee is expected to vote this week on a bipartisan bill that would create a regulatory framework for stablecoins. The bill, which is being

预计众议院金融服务委员会将在本周对两党法案进行投票，该法案将为Stablecoins创建监管框架。该法案正在