美国主要银行正在探索推出联合稳定的稳定赛车以抵御加密货币竞赛

诸如摩根大通（JPM），美国银行（BAC），花旗集团（C）和富国银行（Wels Fargo）（WFC）等金融重量级人物已经就该主题进行了讨论

Major U.S. banks are in the early stages of discussing the possibility of launching a joint stablecoin, as they seek to fend off competition from crypto firms, the Wall Street Journal reported on Wednesday.

《华尔街日报》报道，美国主要银行正处于讨论发起联合稳定的可能性的早期阶段，因为他们试图抵御加密货币公司的竞争。

The report adds that the talks are still preliminary and could change.

该报告补充说，谈判仍然是初步的，可能会改变。

Among the financial institutions involved in the discussions are JPMorgan Chase & Co (NYSE:JPM), Bank of America Corp (NYSE:BAC), Citigroup Inc (NYSE:C), and Wells Fargo & Co (NYSE:WFC). Also engaging in the conversations are the payments ventures owned by these banking powerhouses, like Early Warning Services, which runs Zelle, and The Clearing House, which handles real-time payments.

在讨论中涉及的金融机构中，包括摩根大通公司（NYSE：JPM），美国银行（NYSE：BAC），花旗集团（NYSE：C）（NYSE：C）和富国银行（Wells Fargo＆Co）（NYSE：NYSE：WFC）。还参与对话的是这些银行电力公司拥有的付款企业，例如经营Zelle的预警服务和处理实时付款的交换所。

Stablecoins are cryptocurrencies that are pegged to the value of another asset, like a fiat currency or commodity, and can settle transactions in a matter of seconds.

稳定的是加密货币，与其他资产（例如菲亚特货币或商品）的价值挂钩，可以在几秒钟内解决交易。

Banks see potential in them to improve their operations, with international remittances currently taking days through the traditional system.

银行认为他们的潜力有可能改善其业务，而国际汇款目前耗时几天通过传统系统。

One idea that has been floated in the consortium’s talks is a stablecoin model that would be open to other banks in addition to the core group. The report adds that regional banks have also been exploring similar avenues, according to sources familiar with the discussions.

一个已经在财团的谈判中浮出水面的想法是一个稳定的模型，除了核心群体外，还将向其他银行开放。熟悉讨论的消息人士称，该报告补充说，区域银行也在探索类似的途径。

This push from the banking industry comes as Washington edges closer to regulating the use of stablecoins.

随着华盛顿的边缘更接近调节使用稳定的使用，银行业的这种推动。

Earlier this week, the Senate advanced the Guiding and Establishing National Innovation for U.S. Stablecoin, or GENIUS, Act, which is sponsored by Senator Bill Hagerty (R-Tenn). The legislation aims to create a regulatory framework for payment stablecoins.

本周早些时候，参议院提升了由参议员比尔·哈格蒂（Bill Hagerty）（R-tenn）赞助的指导和建立国家创新（Act）。该立法旨在为付款稳定币创建一个监管框架。

“This legislation is a significant step forward in advancing responsible innovation in the financial services sector,” Hagerty said in a statement. “The legislation will establish, for the first time, a light-touch, pro-growth regulatory framework for payment stablecoins.”

哈格蒂在一份声明中说：“这项立法是促进金融服务部门负责任创新的重要一步。” “该立法将首次确定付款稳定的轻触，促成的监管框架。”

In addition, the House Financial Services Committee is planning to vote on a bipartisan bill later this week that would create a new class of bank charter specifically for advanced technologies, like Web3 and artificial intelligence.

此外，众议院金融服务委员会计划在本周晚些时候对两党法案进行投票，该法案将为高级技术（例如Web3和人工智能）创建新的银行宪章。

This move is driven by the increasing interest from crypto firms in securing bank charters.

这一举动是由加密公司对确保银行宪章的兴趣越来越多的驱动。

Earlier this year, several institutions applied for charters, including cryptocurrency exchange Coinbase (NASDAQ:COIN) and the blockchain startup TRM Labs.

今年早些时候，几个机构申请了宪章，包括加密货币交易所Coinbase（NASDAQ：COIN）和区块链启动TRM Labs。

These applications come as several European banks have been venturing into the crypto space.

这些申请是因为几家欧洲银行一直在加密货币空间中冒险。

Earlier this month, Société Générale began offering a euro-denominated stablecoin called EURCV through its crypto arm, SG Forge. The service will allow institutional investors to invest in a fully-reserved and liquid EURcoin.

本月初，SociétéGénérale开始通过其加密货币党SG Forge提供一个名为Eurcv的欧元计价的Stablecoin。该服务将使机构投资者能够投资全面保留和液体的欧元。

The French lender is now planning to launch a U.S. dollar stablecoin in the second half of the year, becoming the first major European bank to enter the fast-growing market for privately issued digital currencies.

法国贷方现在计划在下半年推出一美元的稳定股，成为第一个进入私人发行数字货币快速增长市场的主要欧洲银行。