Stablecoins不再仅适用于加密交易者。花旗说，到2030年，他们可能会达到3.7吨的市场。

Stablecoins不再仅适用于加密交易者。全球银行巨型花旗的新报告显示，到2030年，Stablecoins的市值可能达到3.7万亿美元

Stablecoins are quickly becoming a key player in the future of finance. A new report by global banking giant Citi dives into the potential of stablecoins, suggesting they could reach a staggering market cap of $3.7 trillion by 2030.

Stablecoins迅速成为财务未来的关键参与者。全球银行巨头花旗的一份新报告介绍了Stablecoins的潜力，这表明到2030年，它们可能达到3.7万亿美元的惊人市值。

The report, titled "Citi Future of Finance: Stablecoin Universe," also takes a look at the role of stablecoins in institutional finance and what new use cases could propel adoption to new highs.

该报告的标题为“花旗未来的财务：Stablecoin宇宙”，还研究了Stablecoins在机构金融中的作用，以及新的用例可以将新高的采用推向新高。

Here’s a breakdown of the report and what it means for the future of digital assets.

这是报告的细分及其对数字资产的未来意味着什么。

Stablecoin Market Overview

Stablecoin市场概述

The total market capitalization of stablecoins currently stands at $245.4 billion, with a 24-hour trading volume of $86.7 billion.

Stablecoins的总市值目前为2454亿美元，交易量为867亿美元。

Top stablecoins by market cap:

最高稳定的市场上限：

Tether also dominates trading volume with over $76 billion exchanged in the past 24 hours.

Tether在过去24小时内交换了超过760亿美元的交易量。

Citi’s Stablecoin Forecast: What to Expect by 2030

花旗的Stablecoin预测：到2030年的期望

Citi’s Future of Finance report explores two scenarios for stablecoin growth:

花旗的未来财务报告探讨了稳定增长的两种情况：

According to Ronit Ghose, Citi’s Global Head of Future of Finance, stablecoins are evolving into tools for:

根据花旗全球金融未来负责人罗尼特·戈斯（Ronit Ghose）的说法，稳定的人正在发展成为以下工具：

“We expect global users to fund their global footprints with diverse currencies, and stablecoins will play a role in enabling these flows quickly and efficiently.”

“我们希望全球用户能够通过多种货币为全球足迹提供资金，而Stablecoins将在快速有效地实现这些流动方面发挥作用。”

Payment Companies Drive Adoption

支付公司推动收养

Further supporting Citi’s prediction, Fireblocks highlighted real-world adoption trends with data showing that:

Fireblocks进一步支持花旗的预测，强调了现实世界的采用趋势，该数据显示：

This data underscores the rapid growth of real-world use, especially in the payments sector.

这些数据强调了现实世界中使用的快速增长，尤其是在支付领域。

Stablecoin Regulation and Bank Adoption

Stablecoin法规和银行采用

The future of stablecoins will also depend on evolving global regulations. One key question remains: Will banks use stablecoins, CBDCs, or both?

Stablecoins的未来也将取决于不断发展的全球法规。一个关键的问题仍然存在：银行会使用稳定币，CBDC或两者兼而有之吗？

According to Citi’s Ghose, the answer depends on national strategies:

根据花旗的戈斯的说法，答案取决于国家战略：

“Some countries may prefer to have more stablecoins, others will focus on the central bank digital currency, and some may adopt both, depending on the regulatory environment.”

“有些国家可能更喜欢拥有更多的稳定币，其他国家可能会专注于中央银行的数字货币，有些国家可能会根据监管环境而采用两者。”

Conclusion

结论

With increasing adoption across businesses and payment networks like SWIFT, stablecoins are quickly entering mainstream finance. Citi’s projection of a $3.7 trillion market cap by 2030 seems like a possibility that could arrive sooner than expected.

随着企业和Swift网络的收养越来越多，StableCoins迅速进入主流金融。到2030年，花旗对3.7万亿美元市值的预测似乎可能比预期的要早。