美国主要银行正在制定联合稳定计划

据报道

Several of the biggest U.S. banks are joining forces to create their own stablecoin, according to a report by the Wall Street Journal.

根据《华尔街日报》的报道，美国最大的几家银行正在联合起来创建自己的稳定币。

The report claims that major institutions are making a move into the crypto sphere with a joint venture to develop a stablecoin.

该报告声称，主要机构正在通过合资企业发展稳定的机构进入加密货币领域。

This move would see established financial institutions compete directly with crypto-native players in the rapidly growing segment of the digital asset market.

这一举动将使已建立的金融机构直接与数字资产市场快速增长的加密本地参与者竞争。

The initiative is still in its early stages, with no final decisions yet made, and could ultimately be abandoned, the Journal said.

该期刊称，该倡议仍处于早期阶段，尚未做出最终决定，最终可以放弃。

However, the report notes that the banks involved are considering tying the stablecoin to the dollar and aiming for it to be widely used for payments.

但是，该报告指出，所涉及的银行正在考虑将Stablecoin与美元联系起来，并旨在将其广泛用于付款。

The move comes as Congress is preparing to pass legislation this year to regulate stablecoins and other digital assets. A bipartisan bill is currently pending in the House Financial Services Committee.

此举是因为国会准备通过今年的立法来规范稳定币和其他数字资产。两党法案目前正在众议院金融服务委员会中审理。

The banks involved in the initiative are reportedly JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo.

据报道，参与该计划的银行是摩根大通，美国银行，花旗集团和富国银行。

This new development was also confirmed by Sam Kazemian, founder of Frax Finance, who stated that the conversations between major banks might have advanced beyond speculation.

Frax Finance的创始人Sam Kazemian也证实了这一新发展，他表示，主要银行之间的对话可能超出了猜测。

Highlighting the broader implications, Kazemian pointed out the significant role of stablecoins in providing dollar-backed liquidity within the crypto market.

Kazemian强调了更广泛的含义，指出了Stablecoins在加密市场中提供美元支持的流动性中的重要作用。

He added that these tokens are facilitating cross-border and emerging-market traders' access to dollar-denominated assets.

他补充说，这些代币正在促进跨境和新兴市场交易员访问以美元计价的资产的访问。

The growing utility of these tokens, combined with increasing legislative attention in the U.S., makes them a priority for financial institutions seeking to remain competitive.

这些代币的日益增长的效用，加上美国越来越多的立法关注，使它们成为寻求保持竞争力的金融机构的优先事项。

Greg Waisman, Chief Operating Officer at Mercuryo, commented on the potential impact of this move.

Mercuryo首席运营官Greg Waisman对此举的潜在影响发表了评论。

“The prospect of a consortium of leading U.S. banks entering the cryptocurrency market with a joint stablecoin demonstrates how crypto-native products may now be driving the evolution of financial markets,” Waisman stated.

Waisman说：“由领先的美国银行通过联合稳定市场进入加密货币市场的联盟的前景展示了加密本地产品现在可能如何推动金融市场的发展。”

He further highlighted the role of stablecoins in the digital token space.

他进一步强调了Stablecoin在数字令牌领域中的作用。

“Stablecoins are a valuable source of liquidity in the digital token space, supporting a variety of different projects and protocols. They are also used by traders to hedge against the volatility of cryptocurrencies and by users in emerging economies to gain access to dollar-denominated assets.”

“稳定币是数字代币领域的宝贵流动性来源，支持各种不同的项目和协议。交易者还使用它们来对冲加密货币的波动，以及新兴经济体的用户以获取美元元素为基础的资产。”

This initiative could have broader implications for the global financial landscape as traditional institutions adapt to the evolving cryptocurrency ecosystem.

这项倡议可能对全球金融格局具有更广泛的影响，因为传统机构适应不断发展的加密货币生态系统。

Two giants, Tether’s USDT and Circle’s USDC, currently hold the majority share of the stablecoin market, which is valued at $245.9 billion. Together, they control 87% of the market. However, the entry of major banks could pose a challenge to this dominance, especially considering their vast financial infrastructure and regulatory influence.

两家巨头Tether的USDT和Circle的USDC目前拥有Stablecoin市场的大部分份额，该市场价值为2459亿美元。他们共同控制了87％的市场。但是，主要银行的进入可能会对这一主导地位构成挑战，尤其是考虑到其庞大的金融基础设施和监管影响。

Paolo Ardoino, CEO of Tether, responded to the news with a brief yet pointed message on social media.

Tether的首席执行官Paolo Ardoino在社交媒体上以简短但又尖锐的信息回应了这一消息。

“Welcome player 2.”

“欢迎球员2.”

His remark suggests confidence in Tether’s position as the market leader, implying that traditional institutions are only now catching up to what crypto-native firms have built over the past decade.

他的言论表明，对Tether作为市场领导者的地位有信心，这意味着传统机构仅赶上了过去十年来加密本地公司所建立的东西。

Tether’s USDT remains the most traded stablecoin globally, with a market cap above $150 billion. Its usage spans cross-border payments, remittances, and digital commerce, especially in regions with limited access to the U.S. dollar.

Tether的USDT仍然是全球交易最多的Stablecoin，市值超过1500亿美元。它的用法涵盖了跨境支付，汇款和数字商务，尤其是在获得美元访问权限的地区。

Meanwhile, BitMEX co-founder Arthur Hayes took a more critical view, suggesting that the banks’ stablecoin initiative could spell trouble for Circle.

同时，Bitmex联合创始人Arthur Hayes采取了更为批判性的看法，这表明银行的Stablecoin倡议可能会为Circle带来麻烦。

“Bye bye Circle. Thanks for playing,” Hayes stated.

“再见圈子。谢谢你的比赛，”海斯说。

Hayes’ comment implies that Circle might struggle with these institutions’ new layer of competition.

海耶斯的评论意味着，圈子可能与这些机构的新竞争层斗争。

This comes as Circle is exploring strategic options, including a potential public listing or acquisition by firms like Coinbase or Ripple.

这是因为Circle正在探索战略选择，包括Coinbase或Ripple等公司的潜在公共上市或收购。