美国领先的银行正在提早谈判，以发起联合稳定企业

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，正在探索一项协作的Stablecoin倡议

Leading U.S. banks are in early talks to launch a joint stablecoin venture, while the Trump family’s USD1 stablecoin has surged to prominence, highlighting blockchain’s growing role in reshaping digital payments and raising ethical concerns.

美国领先的银行正在提早进行谈判，以发起共同的Stablecoin企业，而特朗普家族的USD1 Stablecoin迅速引起了人们的关注，强调了区块链在重塑数字支付和提出道德问题方面的日益增长的作用。

Major U.S. banks, including JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo, are exploring a collaborative stablecoin initiative to compete in the $245 billion stablecoin market, currently led by Circle’s USDC and Tether’s USDT, The Wall Street Journal reported.

据《华尔街日报》报道，包括摩根大通，美国银行，花旗集团和富国银行在内的主要银行正在探索一项合作的Stablecoin倡议，以竞争2450亿美元的Stablecoin市场，目前由Circle的USDC和Tether's Tether的USDT领导。

These discussions also involve payment firms Early Warning Services, which operates Zelle, and The Clearing House, which is co-owned by the banks. The move is driven by the surging popularity of crypto-based digital payments, which threaten to siphon off deposits and transaction volumes from traditional banking.

这些讨论还涉及运营Zelle的付款公司预警服务，以及由银行共同拥有的清算室。此举是由于基于加密货币的数字支付的迅速流行而驱动的，这有可能从传统银行业务中消除存款和交易量。

Stablecoins, which are pegged to the U.S. dollar, offer fast and low-cost cross-border transfer capabilities, making them attractive for global financial institutions. A recent survey by Fireblocks found that 58% of traditional banks already use stablecoins for such payments, highlighting their institutional adoption.

与美元挂钩的Stablecoins提供了快速和低成本的跨境转移能力，使其对全球金融机构有吸引力。 Fireblocks最近的一项调查发现，有58％的传统银行已经使用Stablecoins进行此类付款，从而强调了其机构采用。

The consortium model could enable broader participation from other financial institutions, further expanding the stablecoin’s reach. However, the venture’s progress depends on the passage of U.S. stablecoin legislation.

财团模型可以使其他金融机构更广泛地参与，从而进一步扩大了Stablecoin的影响力。但是，该合资企业的进步取决于美国稳定立法的通过。

The GENIUS Act, which recently cleared a Senate procedural vote with bipartisan support, aims to regulate stablecoins by requiring them to be 1:1 backed by liquid reserves and comply with anti-money laundering regulations, addressing concerns raised by Senator Elizabeth Comer. The Act also includes provisions for consumer protections and financial stability, aiming to mitigate risks highlighted by Senator Warren, who expressed concerns over foreign investments flowing into stablecoins.

《天才法》最近在两党的支持下清除了参议院的程序投票，旨在通过要求其由液体储备支持1：1来规范稳定法，并遵守反货币洗衣法规，以解决参议员伊丽莎白·科默（Elizabeth Comer）提出的担忧。该法案还包括有关消费者保护和财务稳定性的规定，旨在减轻参议员沃伦（Warren）强调的风险，沃伦（Warren）对流向稳定的外国投资表示担忧。

Parallel to the banks’ initiative, the Trump family’s World Liberty Financial has launched USD1, a dollar-backed stablecoin that has seen a rapid surge in prominence.

与银行的倡议平行，特朗普家族的世界自由金融公司（World Liberty Financial）推出了USD1，这是一种以美元支持的Stablecoin，迅速增长。

Issued by BitGo Trust Company in accordance with U.S. regulatory requirements, USD1 has seen its market cap soar to $2.14 billion, making it the second-largest stablecoin on BNB Chain after USDT.

Bitgo Trust公司根据美国的监管要求发行，USD1的市值飙升至21.4亿美元，使其成为BNB连锁店后第二大稳定股。

A significant boost to USD1 came with a $2 billion investment by Abu Dhabi’s MGX fund to acquire a stake in Binance using the stablecoin, showcasing its global appeal.

Abu Dhabi的MGX基金投资了20亿美元，以使用Stablecoin获得Binance的股份，这表明其全球吸引力。

However, the Trump family’s 60% stake in World Liberty Financial has raised concerns about potential conflicts of interest, especially given President Trump’s crypto-friendly policies.

但是，特朗普家族在世界自由金融中的60％股份引起了人们对潜在利益冲突的担忧，特别是考虑到特朗普总统对加密货币友好的政策。

Critics, including Senator Elizabeth Comer, have pointed out that the Biden administration is aiming for the U.S. to dominate the crypto sector, much like the U.S. aims for hegemony in the global economic and financial system through the USD.

包括参议员伊丽莎白·科默（Elizabeth Comer）在内的批评家指出，拜登政府的目标是使美国统治加密货币部门，就像美国的目标是通过美元通过全球经济和金融体系中的霸权。

President Trump himself alluded to this ambition at a TRUMP token holders’ event, stating that the U.S. should be no. 1 in crypto, much like it leads in the USD and economic might.

特朗普总统本人在特朗普象征持有人的活动中暗示了这一野心，并指出美国应该否。 1在加密货币中，就像它涉及美元和经济可能性。

The U.S. banks’ joint stablecoin venture and the rapid rise of USD1 are both fueled by this broader ambition to position the U.S. at the forefront of the emerging Web3 landscape.

美国银行的联合Stablecoin Venture和USD1的迅速上升都受到了更广泛的野心，将美国置于新兴Web3景观的最前沿。

Banks are seeking to modernize and optimize payment systems by leveraging blockchain’s efficiency, while the narrative around USD1 highlights the potential of crypto to disrupt existing financial paradigms and offer new avenues for investment and wealth creation.

银行试图通过利用区块链的效率来现代化和优化支付系统，而围绕1美元的叙述则强调了加密货币的潜力破坏现有的财务范式，并为投资和创造财富提供新的途径。

However, both initiatives face challenges that could hinder their progress.

但是，这两项举措都面临可能阻碍他们进步的挑战。

For the banks, regulatory clarity and public trust are crucial for the success of their stablecoin, which could be used for cross-border payments and other financial services.

对于银行而言，监管清晰度和公共信任对于他们的Stablecoin的成功至关重要，该公司可用于跨境支付和其他金融服务。

Meanwhile, critics like Senator Elizabeth Comer highlight the financial stability risks posed by stablecoins, comparing them to the volatile money-market funds that contributed to the 2008 financial crisis.

同时，像参议员伊丽莎白·科默（Elizabeth Comer）这样的批评者强调了stablecoins构成的金融稳定风险，将其与造成2008年金融危机促成的动荡的货币市场资金进行了比较。

Both the U.S. banks’ initiative and the Trump family’s USD1 venture are unfolding rapidly, fueled by the transformative potential of blockchain technology and the growing demand for efficient digital payment solutions.

美国银行的倡议和特朗普家族的美元企业都在迅速发展，这是由于区块链技术的变革潜力以及对高效数字支付解决方案的需求不断增长。

As these ventures progress, they will need to navigate ethical concerns, regulatory hurdles, and navigate the financial stability risks posed by stablecoins.

随着这些冒险的进展，他们将需要应对道德问题，监管障碍，并驾驶StableCoins造成的财务稳定风险。