美国主要银行正在合作推出一个受监管的Stablecoin

随着《天才法案》在参议院获得多数支持，美国一些最大的银行正准备跳入区块链。

Major US banks are joining forces to create a regulated stablecoin, aiming to challenge the existing crypto leaders like Tether.

美国主要银行正在联合起来创建一个受监管的稳定者，旨在挑战像Tether这样的现有加密货币领导人。

The news: As the GENIUS Act gains majority support in the Senate, some of America's largest banks are preparing to dive headfirst into blockchain. According to the Wall Street Journal, JPMorgan Chase, Wells Fargo, Bank of America, and Citigroup are in early talks to launch a joint stablecoin.

新闻：随着《天才法案》在参议院获得多数支持，美国一些最大的银行正准备深入研究区块链。据《华尔街日报》报道，摩根大通，富国银行，美国银行和花旗集团正在早期谈判发起联合稳定的stablecoin。

With a pro-crypto administration in the White House and the GENIUS Act paving the way, the timing couldn't be better. This move could disrupt the $243 billion stablecoin market, currently dominated by Tether's USDT with a $152 billion market share.

在白宫和天才法案铺平道路上的亲克莱普特政府，时机再好不过了。此举可能会破坏2430亿美元的Stablecoin市场，目前由Tether的USDT主导，市场份额为1520亿美元。

What else is new: The project also involves major payment players like Zelle and the Clearing House's real-time payment network. As discussions are still in the early stages, the goal is to develop a fully regulated, bank-backed stablecoin that would be integrated with the existing financial system.

还有什么新鲜事物：该项目还涉及Zelle等主要的支付参与者和清算室的实时支付网络。由于讨论仍处于早期阶段，其目标是开发一个完全受监管的银行支持的稳定股，该稳定股将与现有金融体系集成。

This contrasts sharply with the smaller, decentralized stablecoins like USDC, which are also seeking to gain approval from regulators.

这与USDC（USDC）等较小的，分散的稳定剂形成鲜明对比，后者也试图获得监管机构的批准。

Trust and liquidity: One X user highlighted how a stablecoin backed by major US banks would instantly win on trust and liquidity, pushing out smaller players in the decentralized finance space.

信任和流动性：一位X用户强调了由美国主要银行支持的稳定者如何立即赢得信任和流动性，从而在分散的融资领域推出了较小的参与者。

While this would bring stability and mainstream appeal, it also risks centralizing a space originally built to be open and decentralized.

尽管这将带来稳定和主流吸引力，但它也有可能集中一个最初建造的空间，该空间最初是开放和分散的。

If top-tier US banks drop a joint stablecoin, expect a seismic shift—instant trust, deep liquidity, and integration with legacy rails could make it the default pick for institutions, but also threaten to freeze out smaller players and open protocols.Could this accelerate

如果美国顶级银行放弃了联合稳定的稳定者，请期待地震转变 - 建立信任，深厚的流动性以及与传统轨道的整合可能使其成为机构的默认选择，但也威胁要冻结较小的参与者并开放协议。

Hoskinson says, "I told you so": Notably, Cardano founder Charles Hoskinson, known for his optimistic outlooks, reacted with "as predicted" on X.

霍斯金森说：“我告诉过你”：值得注意的是，卡尔达诺（Cardano）创始人查尔斯·霍斯金森（Charles Hoskinson）以其乐观的前景而闻名，对X上的“预测”作出了反应。

Hoskinson has previously stated that institutions would eventually adopt blockchain, and this latest move only strengthens his case. His post sparked reactions from crypto enthusiasts, especially as reports of Meta exploring stablecoins for payments also emerged.

霍斯金森此前曾表示，机构最终将采用区块链，而这一最新举措只会加强他的案子。他的帖子引发了加密爱好者的反应，尤其是当元探索稳定币的报道也出现了。

The bigger picture: The timing of this development is crucial. The recently advanced GENIUS Act offers a clear regulatory framework for stablecoins, setting the stage perfectly for traditional finance to enter the crypto domain.

更大的情况：这一发展的时机至关重要。最近高级的天才法案为Stablecoins提供了一个明确的监管框架，为传统的金融奠定了舞台，以进入加密货币域。

Moreover, President Trump's administration has shown support for cryptocurrencies, further accelerating adoption.

此外，特朗普总统的政府已显示出对加密货币的支持，进一步加速了采用。

The US banks are hoping to combine the trust they've built over decades with the speed and transparency of blockchain, aiming to create a hybrid financial technology that could quickly attract a large user base.

美国银行希望将他们数十年来建立的信任与区块链的速度和透明度相结合，旨在创建一种混合金融技术，以迅速吸引大型用户群。