美国主要银行正在提早进行谈判，以推出联合稳定的稳定性，以挑战系绳和Circle的主导地位

美国主要银行正在权衡一个潜在的财团，以颁发联合稳定的股份，以挑战Tether和Circle的扼杀在2450亿美元的稳定股市市场上的统治地位。

Major U.S. banks are discussing forming a consortium to issue a joint stablecoin, potentially challenging the dominance of Tether and Circle in the ballooning $245 billion market, according to a Thursday report by the Wall Street Journal.

根据《华尔街日报》（Wall Street Journal）的周四报告，美国主要银行正在讨论建立一个联合会的财团来发行联合稳定的公司，这可能会挑战Tether and Circle在热气球的2450亿美元市场中的统治地位。

* The report, citing people familiar with the matter, says the talks are in early stages and may change. They add that the outcome depends on forthcoming legislation that could help establish frameworks for banks and non-banks to issue stablecoins.

*该报告援引熟悉此事的人说，谈判处于早期阶段，可能会发生变化。他们补充说，结果取决于即将到来的立法，这可能有助于为银行和非银行签发Stablecoins建立框架。

* Financial giants JPMorgan Chase & Co, Bank of America, Citigroup, Wells Fargo, and others through their co-owned payment companies, including Early Warning Services and the Clearing House, are weighing teaming up to create the joint token, the report claims.

报告称，金融巨头JPMorgan Chase＆Co，美国银行，花旗集团，富国银行和其他人通过其共同拥有的支付公司（包括预警服务和清算室）正在权衡联合创建联合令牌。

* Earlier this week, the Senate voted to move forward with the Guiding and Establishing National Innovation for U.S. Stablecoins Act, or GENIUS Act. A full floor vote for the proposed legislation is expected to arrive in the coming weeks.

*本周早些时候，参议院投票通过指导和建立针对美国Stablecoins法案或天才法案的国家创新。预计未来几周将对拟议的立法进行全面投票。

* If passed, the bill will effectively set the stage for stablecoin regulation by requiring such tokenized assets to be fully backed by U.S. dollars or similarly liquid assets, requiring annual audits for issuers with over $50 billion in market value, and adding language around foreign issuance.

*如果通过，该法案将有效地为Stablecoin法规奠定了基础，要求以美元或类似的流动资产来完全支持这种令牌资产，要求对具有超过500亿美元的市场价值的发行人进行年度审计，并在外国发行周围增加额外的语言。

* Earlier this week, White House crypto czar David Sacks said he expects the bill to be passed and that it will receive bipartisan support. Sacks added that the legislation could trigger “trillions of dollars” in demand for U.S. Treasuries by unlocking stablecoin growth under clear rules.

*本周早些时候，白宫加密沙皇大卫·萨克斯（David Sacks）表示，他希望该法案通过，并将获得两党的支持。萨克斯补充说，该立法可以通过在明确的规定下解锁稳定币增长来触发对美国国债的“数万亿美元”。

* However, some high-ranking Democrats stressed the need to amend the bill to include a clause addressing President Donald Trump’s personal ties to crypto before giving the bill final approval.

*但是，一些高级民主党人强调，有必要修改该法案，包括一项条款，讲述唐纳德·特朗普与加密货币的个人联系，然后才对法案进行最终批准。

* Critics have voiced concerns that the administration benefits from the legislation, given its ties to World Liberty Financial, a crypto firm backed by Trump and his sons that recently launched its own stablecoin, USD1.

*批评家表示担心政府从立法中受益，鉴于其与世界自由金融的联系，这是由特朗普和他的儿子们支持的加密货币公司，该公司最近推出了自己的Stablecoin，USD1。

The demand for dollar-pegged digital assets has been on the rise, with nation states adopting and institutions wanting to integrate stablecoins. The total market cap of stablecoins has climbed to $245 billion from $205 billion at the beginning of the year, marking a sharp 20% rise. Tether USDT and Circle’s USDC currently dominate the stablecoin market.

对美元固定数字资产的需求一直在上升，国家各州采用的机构希望整合稳定的股票。 Stablecoins的总市值已从今年年初的2050亿美元上升至2450亿美元，标志着20％的急剧增长。 Tether USDT和Circle的USDC目前主导了Stablecoin市场。

The improved regulatory environment under US President Donald Trump’s administration has seen fintechs and crypto firms pursue bank charters, further adding pressure to legacy banking systems. The joint stablecoin by U.S. banks seeks to boost transaction speeds and efficiency while fending off competition from crypto-centric firms.

美国总统唐纳德·特朗普（Donald Trump）政府领导下的监管环境改善了，使金融科技公司和加密货币公司追求银行宪章，进一步增加了遗产银行系统的压力。美国银行的联合Stablecoin试图提高交易速度和效率，同时抵御以加密货币为中心的公司的竞争。