Ripple Labs在XRPL上推出了其首个欧元支持的StablecoinEurøp

在最新的XRP新闻中，Ripple的XRP Ledger（XRPL）正式添加了其首个欧元支持的Stablecoin。它被称为Eurøp，它标志着欧洲不断扩大规范的数字融资的巨大一步。

In the latest XRP news, Ripple’s XRP Ledger (XRPL) has officially added its first euro-backed stablecoin.

在最新的XRP新闻中，Ripple的XRP Ledger（XRPL）正式添加了其首个欧元支持的Stablecoin。

Known as EURØP, it is marking a huge step in the ongoing expansion of regulated digital finance across Europe.

它被称为Eurøp，它标志着欧洲不断扩大规范的数字融资的巨大一步。

The launch, confirmed on May 22, 2025, introduces the first MiCA-compliant euro stablecoin to the XRPL ecosystem.

该发布会于2025年5月22日确认，将第一个符合云母的欧元稳定性介绍给XRPL生态系统。

The stablecoin, issued by Schuman Financial, is fully backed 1:1 by euros held in European banks such as Société Générale, and it is regulated as an electronic money token by France’s ACPR (Banque de France) under the EU’s MiCA framework.

由Schuman Financial发行的Stablecoin由在SociétéGénérale等欧洲银行中持有的Euros完全支持1：1，它被法国的ACPR（Banque de France）在欧盟的MICA框架下被视为电子货币代币。

The euro reserves are audited by KPMG on a regular basis. So that they meet the strict governance standards required for a MiCA-compliant stablecoin.

毕马威会定期审核欧元储备。这样他们就符合符合云母型稳定的严格治理标准。

MiCA-compliant license: EURØP is authorized under Europe’s Markets in Crypto-Assets (MiCA) rules. It is registered in France as an “electronic money token” with the ACPR.

符合云母的许可证：欧洲的欧洲授权在欧洲市场下以加密资产（MICA）规则授权。它在法国注册为ACPR的“电子货币令牌”。

Full euro backing: Each EURØP token is redeemable for one euro. 100% reserves are held at regulated European banks (e.g. Société Générale). Independent audits by KPMG verify the backing.

全欧元支持：每个欧洲代币都可以兑换为一欧元。 100％的储量在受监管的欧洲银行（例如Sociétégénérale）举行。毕马威（KPMG）的独立审核验证了背景。

XRPL integration: EURØP is the first native euro stablecoin on the XRP Ledger. The XRP Ledger processed over 3.3 billion transactions. It supports more than six million wallets, and runs on a network of 200+ validators.

XRPL Integration：Europ是XRP Ledger上的第一个本地欧元稳定者。 XRP Ledger处理了超过33亿的交易。它支持超过600万个钱包，并在200多个验证者的网络上运行。

Use cases: The coin is intended for euro-denominated on-chain payments and asset tokenization. For example, it could be used in DeFi applications. Or it could be used to settle tokenized real-world assets (such as bonds or loans) on the blockchain.

用例：该硬币旨在用于以欧元为基础的链上支付和资产令牌化。例如，它可以用于DEFI应用程序。否则可以用来解决区块链上的令牌化现实世界中的资产（例如债券或贷款）。

Stablecoin Regulation in Europe and The U.S.

欧洲和美国的Stablecoin监管

Europe’s new Markets in Crypto-Assets (MiCA) regulation provides a comprehensive framework for digital tokens, including stablecoins.

欧洲在加密资产（MICA）法规中的新市场为包括稳定币在内的数字代币提供了全面的框架。

MiCA was adopted in 2023 and became fully applicable by late 2024. Its stablecoin rules require issuers to hold 100% backing. Obtain a license (typically as an “e-money token”) from a national regulator.

云母在2023年被采用，并于2024年末完全适用。其Stablecoin规则要求发行人持有100％的支持。从国家监管机构获得许可证（通常为“电子货币令牌”）。

EURØP was explicitly designed to meet these rules. It is issued by a regulated entity in France and all tokens are collateralized by euros in licensed banks.

Eurøp明确设计为符合这些规则。它是由法国的受监管实体发行的，所有代币都由持牌银行的欧元抵押。

This approach aligns with MiCA’s goal of protecting consumers while allowing banks and fintechs to offer blockchain-based services.

这种方法符合MICA保护消费者的目标，同时允许银行和金融科技提供基于区块链的服务。

Across the Atlantic, U.S. lawmakers are also moving to clarify stablecoin rules. On May 20, 2025, the Senate voted 66–32 to end debate and advance the GENIUS Act (Guiding and Establishing National Innovation for U.S. Stablecoins).

在整个大西洋，美国立法者也正在阐明Stablecoin规则。 2025年5月20日，参议院投票66-32，以结束辩论并推进《天才法》（指导和建立为美国Stablecoins建立国家创新）。

This bipartisan bill, co-sponsored by Senators Kirsten Gillibrand and Bill Hagerty, would establish the first federal regulatory framework for stablecoins.

由参议员Kirsten Gillibrand和Bill Hagerty共同发起的这项两党法案将建立第一个联邦法规框架。

It would mandate full-reserve backing, regular audits, public disclosures, and compliance with anti-money-laundering laws.

它将要求全力支持，定期审计，公开披露以及遵守反罚款法律。

Analysts note the GENIUS Act “sets standards for reserves, audits, and disclosures” for stablecoin issuers. The strong, cross-party vote to move the bill forward – including support from 16 Democrats – underscores growing consensus on the need for stablecoin oversight.

分析师指出，《天才法案》“为Stablecoin发行人设定了储备金，审计和披露标准”。强大的跨党派投票将该法案前进 - 包括16个民主党人的支持 - 强调了对Stablecoin监督的需求的共识越来越多。

On-Chain Finance and Tokenized Assets

链融资和令牌资产

EURØP’s arrival fits a broader trend of bringing fiat money on-chain in a compliant way. Stablecoins now power a large share of blockchain transactions, and regulators want those flows to be transparent.

Eurøp的到来符合以合规方式将法定货币带入链子的更广泛的趋势。 Stablecoins现在为大部分区块链交易提供动力，监管机构希望这些流量是透明的。

According to Ripple’s UK head, the EURØP launch “demonstrates how stablecoins can meet the high standards set by MiCA while unlocking new possibilities for on-chain use cases such as payments and real-world asset tokenization”.

根据Ripple的英国负责人的说法，Eurøp的发布“证明了Stablecoins如何符合MICA设定的高标准，同时释放了诸如付款和现实世界中的链接用例和现实世界中的链接案例的新可能性”。

In practice, this means projects can use EURØP to tokenize real-world assets (RWAs) like loans, bonds or commodities, all settled in blockchain euros under regulatory oversight.

实际上，这意味着项目可以使用eurøp将现实世界中的资产（RWAS）等贷款，债券或商品等付款，这些资产都定居在监管监督下的区块链欧元。

The XRPL network’s scale – 3.3+ billion transactions and millions of wallets – gives it the capacity to handle such activity.

XRPL网络的规模（33亿多个交易和数百万钱包）使其具有处理此类活动的能力。

For followers of XRP news, EURØP’s launch signals the growing maturity of XRP Ledger as a compliant infrastructure for digital finance in Europe. This is not just another token — it’s a regulated, audit-backed financial instrument built for real-world utility.

对于XRP新闻的追随者，Eurøp的发布表明，XRP Ledger作为欧洲数字融资的合规基础设施的成熟度越来越大。这不仅是另一个代币，而且是专为现实世界实用程序而建立的受审计支持的金融工具。

Overall, observers say Europe is becoming “a key market for stablecoin innovation” just as U.S. policy shifts aim to bring regulated stablecoins onshore.

总体而言，观察家说，欧洲正成为“ Stablecoin创新的关键市场”，就像美国政策变化旨在将受监管的稳定股货币带到岸上一样。

EURØP’s launch is thus a data point in the evolving crypto regulation landscape – a compliant stablecoin on a mature blockchain, timed with new laws on both sides of the Atlantic.

因此，Eurep的推出是不断发展的加密监管格局的数据点，这是一个符合成熟区块链的符合稳定的稳定性，并在大西洋两边都有新法律。

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欧洲邮报首次在XRP Ledger上发布的欧洲首个欧元稳定蛋白发射是首先出现在BE上