Ripple的银行野心和Stablecoin法规的未来：纽约市的观点

Ripple通过银行许可证在不断发展的美国财务政策中浏览Stablecoin监管。

Yo, what's the deal? The buzz around Ripple, banking licenses, and stablecoin regulation is getting louder than a subway car at rush hour. Let's break it down, New York style.

哟，这是怎么回事？波纹，银行许可证和Stablecoin法规周围的嗡嗡声比在高峰时段的地铁赛车越来越大。让我们分解，纽约风格。

Ripple's Bold Move: Banking License Application

Ripple的大胆举动：银行许可证申请

Ripple is stepping up its game, folks. They're not just chillin' in the crypto space; they're aiming for a national banking license with the U.S. Office of the Comptroller of the Currency. This move could shift oversight of their stablecoin, RLUSD, to the feds, aligning with the upcoming stablecoin legislation. It's like moving from a Brooklyn bodega to a Fifth Avenue bank – a major upgrade.

伙计们，Ripple正在加强游戏。他们不仅在加密空间里放松。他们的目标是在美国货币主计算员办公室获得国家银行许可证。这一举动可能会将其稳定的RLUSD的监督转移到联邦政府，并与即将到来的Stablecoin立法保持一致。这就像从布鲁克林建了第五大街银行（一个重大升级）。

Why a Banking License Matters

为什么银行许可很重要

Getting a banking license would be a huge win for Ripple. Their subsidiary, Standard Custody & Trust, has also applied for a Federal Reserve master account. This gives them direct access to the U.S. central banking infrastructure, enabling 24/7 issuance and redemption of RLUSD and direct custody of reserves. Translation: more security and trust in RLUSD. Circle, the issuer of USDC, is also chasing a similar license, so Ripple ain't alone in this hustle.

获得银行许可将是Ripple的巨大胜利。他们的子公司标准监护权和信托基金也申请了联邦储备主帐户。这使他们可以直接访问美国中央银行基础设施，从而实现了RLUSD的24/7发行和赎回和储备的直接监护。翻译：对RLUSD的更多安全性和信任。 USDC的发行人Circle也在追逐类似的许可证，因此在此喧嚣中并不孤单。

The Genius Act and Stablecoin Regulation

天才法和稳定法规

Congress is cookin' up the GENIUS Act, which mandates federal banking charters for stablecoin issuers. This forces firms to proactively align with incoming regulation. Fed Chair Jerome Powell even called stablecoins a "positive step" for digital finance, confirming a regulatory framework is in the works. It's like the city finally deciding to fix the potholes – about time!

国会正在加入《天才法》，该法案要求为Stablecoin发行人提供联邦银行宪章。这迫使企业主动与传入的监管保持一致。美联储主席杰罗姆·鲍威尔（Jerome Powell）甚至称Stablecoins是数字融资的“积极步骤”，确认正在制作监管框架。就像这座城市终于决定修复坑洼一样 - 大约时间！

Ripple and OpenPayd: A Power Couple

Ripple和OpenPayd：一对强力夫妇

Ripple's forging alliances to make waves. Their partnership with London-based OpenPayd integrates real-time EUR and GBP rails directly into their blockchain payments network. This means faster, compliant cross-border payments. Companies can convert fiat into RLUSD (and back) with a single API call, shrinking settlement cycles from days to near-instant finality. It's like ordering a pizza and having it delivered before you even finish choosing your toppings.

Ripple的锻造联盟浪潮。他们与位于伦敦OpenPayd的合作伙伴关系将实时欧元和GBP Rails直接整合到其区块链支付网络中。这意味着更快，兼容的跨境支付。公司可以通过单个API呼叫将FIAT转换为RLUSD（又一次），从而使定居周期从天数到近乎固定的最终结局缩小。这就像订购披萨并在您完成选择浇头之前将其交付。

The Future of Stablecoins: A NYC Take

Stablecoins的未来：纽约市

Here's my two cents: Stablecoin regulation is inevitable, and Ripple is positioning itself to be a major player. By seeking a banking license and partnering with OpenPayd, they're building a bridge between traditional finance and the crypto world. This could lead to more widespread adoption of RLUSD and other stablecoins. However, it's not all sunshine and roses. The regulatory landscape is still evolving, and there's no guarantee that Ripple will get everything they want. But hey, in this city, you gotta hustle to make it.

这是我的两分钱：Stablecoin规定是不可避免的，Ripple将自己定位为主要参与者。通过寻求银行许可并与OpenPayd合作，他们正在传统金融与加密货币世界之间建立桥梁。这可能会导致更广泛地采用RLUSD和其他Stablecoins。但是，这并不是所有的阳光和玫瑰。监管景观仍在发展，无法保证波纹会得到他们想要的一切。但是，嘿，在这个城市，您必须忙于做到这一点。

Looking Ahead

展望未来

With stablecoin legislation potentially arriving soon, the stage is set for a new era of digital finance. Circle has also applied for a national trust bank license, signaling a broader trend towards regulatory compliance. The question now is whether these moves will unlock mainstream stablecoin utility. So, keep your eyes peeled, folks. The future of finance is being written right here, right now. And remember, in the concrete jungle where dreams are made, you gotta stay ahead of the curve. Peace out!

随着Stablecoin立法可能很快到来，舞台将成为一个新的数字融资时代。 Circle还申请了国家信托银行许可证，这表明了法规合规性的更广泛趋势。现在的问题是，这些举动是否会解锁主流稳定实用程序。因此，请睁大眼睛，伙计们。现在，金融的未来就在这里写在这里。请记住，在实现梦想的混凝土丛林中，您必须保持领先地位。和平！