摩根大通，比特币和以太坊：从怀疑主义到贷款 - 一个新时代？

摩根大通（JPMorgan）对比特币和以太坊的不断发展的立场，从解雇到潜在的贷款，这表明传统金融对加密货币的方式发生了重大转变。

JPMorgan, Bitcoin, and Ethereum: From Skepticism to Loans – A New Era?

摩根大通，比特币和以太坊：从怀疑主义到贷款 - 一个新时代？

Remember when Jamie Dimon called Bitcoin a fraud? Well, times are changing, and so is JPMorgan. The banking giant is now exploring offering loans backed by Bitcoin and Ethereum, a move that's got everyone in the crypto world buzzing. It's a wild ride, so let's unpack it.

还记得杰米·戴蒙（Jamie Dimon）将比特币称为欺诈吗？好吧，时代正在变化，摩根大通也是如此。这家银行业巨头正在探索以比特币和以太坊支持的贷款，此举使加密世界中的每个人都在嗡嗡作响。这是一个疯狂的旅程，所以让我们打开它。

From 'Fraud' to Collateral: JPMorgan's Crypto Evolution

从“欺诈”到抵押：摩根大通的加密进化

It wasn't that long ago that JPMorgan's CEO, Jamie Dimon, was famously anti-crypto. But now, sources say the bank is looking into extending secured loans where your BTC or ETH serves as collateral. We're talking potentially launching this as early as next year! The plan could change, but the overall direction is clear: clients want to use their crypto without having to sell it.

不久前，摩根大通的首席执行官杰米·戴蒙（Jamie Dimon）是反克雷普托（Anti-Crypto）的著名人物。但是现在，消息人士称，该银行正在考虑扩大您的BTC或ESH作为抵押品的有保证贷款。我们正在谈论可能最早在明年开始！该计划可能会改变，但总体方向很明显：客户希望不必出售其加密货币。

Dimon himself has softened his stance, even admitting that stablecoins are "real" and that JPMorgan will work with regulated digital assets. Talk about a U-turn!

戴蒙本人已经软化了他的立场，甚至承认稳定币是“真实的”，而摩根大通将与受监管的数字资产合作。谈论掉头！

Wall Street Warms Up (Cautiously)

华尔街温暖（谨慎）

What's driving this change of heart? Well, clearer U.S. regulations, like the GENIUS Act, are a big part of it. With clearer guardrails in place, firms like JPMorgan feel safer building real products around crypto. Other big players are also sniffing around, with Morgan Stanley reportedly considering crypto trading through E*Trade.

是什么推动了这种改变的改变？好吧，像《天才法》一样，更清楚的美国法规是其中的很大一部分。有了更清晰的护栏，摩根大通（JPMorgan）等公司会在加密货币周围更安全地建造真正的产品。据报道，摩根士丹利（Morgan Stanley）正在考虑通过E*贸易进行加密货币交易。

But don't expect JPMorgan to go all-in just yet. They're projecting the stablecoin market to hit $500 billion by 2028, which is significant, but they're also dismissing some of the more wildly optimistic predictions out there.

但不要指望摩根大通尚未全力以赴。他们预计到2028年，Stablecoin市场将达到5000亿美元，但他们也驳斥了一些更为乐观的预测。

Ethereum's Moment in the Sun (and Schiff's Skepticism)

以太坊在阳光下的时刻（以及希夫的怀疑）

While JPMorgan is making moves with both Bitcoin and Ethereum, Ethereum has been having a moment of its own. Its price has surged, driven by inflows into spot Ethereum ETFs. But not everyone's convinced. Peter Schiff, a well-known Bitcoin proponent, has suggested Ethereum investors switch to Bitcoin. But, many experts are pushing back on Schiff's thesis.

当摩根大通（JPMorgan）与比特币和以太坊一起采取行动时，以太坊却有自己的时刻。它的价格飙升，这是由于流入到现货以太坊ETF的推动下。但并不是每个人都相信。著名的比特币支持者彼得·希夫（Peter Schiff）建议以太坊投资者改用比特币。但是，许多专家正在推迟席夫的论文。

Despite Schiff's criticism, Ethereum's recent surge is driven by strong institutional interest. The price of ETH has risen significantly, fueled by record inflows into spot Ethereum ETFs, which attract large institutional investors. Corporate investments have also played a significant role in Ethereum's recent performance. Companies like BitMine and SharpLink Gaming have added Ethereum to their treasuries, with SharpLink holding over 1 billion ETH and stating its intention to stake and support the Ethereum network to generate passive income.

尽管席夫（Schiff）受到批评，但以太坊最近的激增还是受到强烈的机构利益的推动。 ETH的价格显着上涨，这是由于创纪录的流入吸引了吸引大型机构投资者的现货以太坊ETF。公司投资在以太坊最近的业绩中也发挥了重要作用。像Bitmine和Sharplink游戏这样的公司已将以太坊添加到其国库中，Sharplink拥有超过10亿的ETH，并表示其意图有意利用和支持以太坊网络产生被动收入。

Challenges Ahead

未来的挑战

Of course, it's not all smooth sailing. Crypto-backed lending faces some major hurdles. Regulators are concerned about illicit transactions, and JPMorgan will need to figure out how to seize and manage crypto if borrowers default. They'll likely partner with a third-party custodian like Coinbase to hold the crypto collateral.

当然，这并不是所有的航行顺利。加密支持的贷款面临一些重大障碍。监管机构担心非法交易，如果借款人违约，摩根大通将需要弄清楚如何扣押和管理加密货币。他们可能会与像Coinbase这样的第三方保管人合作，以持有加密货币。

The Bottom Line

底线

JPMorgan's exploration of Bitcoin and Ethereum-backed loans is a huge deal. It signals a growing acceptance of crypto by traditional finance, even if they're taking a cautious approach. It will be interesting to see how these plans evolve and what impact they have on the broader crypto market.

摩根大通（JPMorgan）对比特币和以太坊支持的贷款的探索是一件大事。即使他们采取谨慎的态度，它也表明了传统金融对加密货币的接受。有趣的是，这些计划如何发展以及它们对更广泛的加密市场的影响。

So, what does it all mean? Basically, even the biggest skeptics are starting to see the potential of crypto. Who knows, maybe one day we'll all be using our Bitcoin to get a mortgage. Stranger things have happened, right?

那么，这意味着什么？基本上，即使是最大的怀疑论者也开始看到加密的潜力。谁知道，也许有一天我们都会使用比特币获得抵押贷款。陌生人的事情发生了，对吗？