据报道，几家巨头的美国银行召集了谈论发起联合Stablecoin合资企业的可能性。

此举旨在防止加密货币公司在金融科技（金融技术）领域不断上升的竞争中不断地将其市场份额的大部分汇总。

Several giant US banks have reportedly convened to talk about the possibility of launching a joint stablecoin venture. The move aims to prevent cryptocurrency companies from continuously siphoning a considerable chunk of their market share amid the rising competition in the fintech (financial technology) space.

据报道，几家巨头的美国银行召集了谈论发起联合Stablecoin合资企业的可能性。此举旨在防止加密货币公司在金融科技（金融技术）领域不断上升的竞争中不断地将其市场份额的大部分汇总。

The Rise of a New Stablecoin Alliance

新的稳定联盟的兴起

According to the Wall Street Journal (WSJ), JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo are discussing the possibility of forming a consortium to launch a new stablecoin project. The institutions' payment solutions linked to these institutions, namely Early Warning Services, known for operating Zelle, and The Clearing House, are also participating in the negotiations.

根据《华尔街日报》（WSJ），美国银行，花旗集团和富国银行的摩根大通（JPMorgan Chase）正在讨论建立一个财团来启动新的Stablecoin项目的可能性。与这些机构相关的机构的支付解决方案，即以操作Zelle闻名的预警服务和交换所闻名，也正在参加谈判。

The source, citing "people familiar with the matter," claimed the discussion is still in its early stages. Hence, the direction of the parties involved may be subject to change, and the members of the budding alliance may either be trimmed or expanded depending on the circumstances.

消息人士以“熟悉此事的人”为由声称讨论仍处于早期阶段。因此，有关当事方的指示可能会发生变化，并且可以根据情况来修剪或扩大萌芽联盟的成员。

Nevertheless, WSJ stated that the group agreed to open their stablecoin's utility to other financial institutions beyond their core team. In addition, the report raised the possibility that the group may tie up the brewing stablecoin project with similar ventures cooked up by regional banks.

尽管如此，WSJ仍表示，该组织同意向其他金融机构开放其稳定的效用以外的其他金融机构。此外，该报告还提出了该集团可以将酿造Stablecoin项目与区域银行烹制的类似企业相关联的可能性。

It's still unclear if the stablecoin will be available for retail use, as the report only hinted that the consortium may only tailor the project for institutional adoption.

目前尚不清楚是否可以供零售使用该稳定币，因为该报告仅暗示该财团只能为机构采用量身定制该项目。

Legislative Reinforcement

立法加强

The proposed stablecoin project comes at a very opportune time, as the US Senate appears to be fast-tracking the passage of the GENIUS Act. The bipartisan legislation introduces guardrails for stablecoins to offer regulatory clarity for issuers and users of these digital assets maintaining a 1:1 peg to the US dollar.

拟议的Stablecoin项目是在非常合适的时刻，因为美国参议院似乎正在快速追踪《天才法》的通过。两党立法引入了稳定币的护栏，为这些数字资产的发行人和用户提供了维持1：1钉至美元的法规清晰度。

For Bill Hagerty, a senator from Tennessee under the Republican Party, the GENIUS Act is essential for the evolution of US payment systems in the 21st century. It specifically guarantees that the US dollar will maintain its dominance in the world market.

对于共和党的田纳西州参议员比尔·哈格蒂（Bill Hagerty）来说，《天才法》对于21世纪的美国支付系统的发展至关重要。它特别保证美元将在世界市场上保持其优势。

The senator believes the bill's passage into law will help protect consumers. Meanwhile, the American politician and businessman estimates that it will be crucial in driving an over $1 trillion additional demand for US treasuries.

参议员认为，该法案通过法律将有助于保护消费者。同时，这位美国政治家和商人估计，这对于推动对美国国债的额外需求超过1万亿美元至关重要。