稳定币可能终于有了重要的时刻

根据Coinbase的第二季度加密报告，2025年可能是该数字资产类别的突破年。

Stablecoins, a class of digital assets pegged to the value of a fiat currency, could be having their big moment. According to Coinbase’s second quarter State of Crypto report, 2025 could be the breakout year for stablecoins. They are increasingly becoming a preferred choice in modern finance, especially among businesses and everyday users.

Stablecoins是一类数字资产，这些数字资产与法定货币的价值挂钩，可能是他们的重要时刻。根据Coinbase的第二季度加密报告，2025年可能是Stablecoins的突破年。他们越来越成为现代金融中的首选选择，尤其是在企业和日常用户中。

There’s been a clear jump in the number of organisations exploring stablecoins for their everyday operations. Among small and medium enterprises familiar with digital assets, over 80% are keen to integrate stablecoins into their business models. These companies see this digital asset as a way to reduce costs, speed up payments, and handle international transactions more smoothly.

探索日常操作的组织的组织数量清晰。在熟悉数字资产的中小型企业中，超过80％的人热衷于将Stablecoins整合到他们的商业模式中。这些公司将这种数字资产视为降低成本，加快付款并更加顺利处理国际交易的一种方式。

Larger corporations are also showing stronger engagement. The number of Fortune 500 companies planning to use or exploring stablecoins has more than tripled compared to the previous year.

较大的公司也表现出更强的参与度。与上一年相比，计划使用或探索Stablecoins的财富500强公司的数量增加了两倍以上。

Similarly, nearly one in five executives from these top companies now consider blockchain and on-chain systems a key part of their future strategy. That marks a 47% rise from the year before, showing the expanding role of stablecoins beyond early adopters and into mainstream business.

同样，这些顶级公司的近五分之一的高管现在将区块链和链链系统视为其未来战略的关键部分。这标志着前一年增长了47％，显示了稳定剂在早期采用者之外以及主流业务的不断扩大。

Stablecoins are also gaining support from the broader public. Worldwide, over 161 million people now hold some form of stablecoin, and the total global supply has increased by more than half in the past 12 months.

Stablecoins还获得了更广泛的公众的支持。在全球范围内，超过1.61亿人拥有某种形式的Stablecoin，在过去的12个月中，全球总供应量增加了一半以上。

The growth in stablecoin use is clear when looking at the actual transaction volumes. In December 2024, stablecoin transactions reached a record high of $719 billion, with April 2025 coming close at $717 billion. These figures show that stablecoins are already functioning as a powerful alternative to traditional payment methods.

查看实际交易量时，使用Stablecoin的生长很明显。 2024年12月，Stablecoin交易达到了创纪录的7190亿美元，2025年4月收盘价为7170亿美元。这些数字表明，稳定币已经是传统付款方式的有力替代品。

In fact, in 2024, the total amount of money transferred using stablecoins reached $27.6 trillion—exceeding the combined total volume processed by Visa and Mastercard that same year.

实际上，在2024年，使用Stablecoins转移的总金额达到27.6万亿美元，超出了同年Visa和Mastercard处理的总数。

The report links the spike to stablecoins’ practical benefits, such as fast, low-cost cross-border transfers, cheaper payment processing, and quicker payroll for global staff—making them attractive to international businesses and supply chains.

该报告将SPIKE与Stablecoins的实际收益联系起来，例如快速，低成本的跨境转移，较便宜的付款处理以及为全球员工提供更快的工资 - 使他们对国际业务和供应连锁店有吸引力。

Interest in stablecoins isn’t limited to the business and consumer sectors. Some of the world’s most recognisable tech brands — including Apple, Airbnb, Google, and X — have reportedly begun exploring potential partnerships with cryptocurrency companies. These early discussions suggest that stablecoins could soon become part of the payment infrastructure on major global platforms.

对Stablecoins的兴趣不仅限于业务和消费部门。据报道，据报道，一些世界上一些最知名的科技品牌（包括苹果，Airbnb，Google和X）已经开始探索与加密货币公司的潜在合作伙伴关系。这些早期的讨论表明，稳定币可能很快成为主要全球平台上付款基础设施的一部分。

Meanwhile, U.S. crypto policy is also shifting. Lawmakers are considering new legislation aimed at providing a clear framework for stablecoin regulation. The GENIUS Act, a bill focused on creating standards for stablecoin oversight, is approaching a key Senate vote and could move forward this week. The Vice President of the United States, JD Vance, recently mentioned that the Trump administration does not perceive the digital asset as a threat to the U.S. dollar.

同时，美国加密货币政策也在不断变化。立法者正在考虑旨在为Stablecoin法规提供明确框架的新立法。 《天才法案》是一项针对Stablecoin监督制定标准的法案，正在接近参议院的重要投票，并可能在本周前进。美国副总统JD Vance最近提到，特朗普政府并未将数字资产视为对美元的威胁。

Executives at leading companies have expressed strong support for this approach. Nine out of ten leaders from the Fortune 500 agree that the country needs consistent and reliable regulations for blockchain and crypto-related technologies.

领先公司的高管对这种方法表示强烈的支持。 《财富》 500强的十名领导人中有九名同意该国需要一致可靠的区块链和加密相关技术法规。

Research by Standard Chartered suggests that the GENIUS Act bill could even lead to a massive rise in the digital asset supply. They predict the market could reach $2 trillion by 2028.

标准特许研究表明，《天才法案法案》甚至可能导致数字资产供应量大幅上升。他们预测，到2028年，市场将达到2万亿美元。

Countries such as South Korea, along with regions like Hong Kong, are also developing clear regulations to support stablecoins. Daniel Tse, Managing Director of Futu Securities International—Hong Kong’s largest online brokerage—recently noted a rise in stablecoin-related investments on their platform. With strong fundamentals in place, stablecoins could see even greater growth in the near future.

韩国等国家以及香港等地区也正在制定明确的法规来支持稳定的人。 Futu Securities International（香港最大的在线经纪公司）的董事总经理Daniel Tse非常指出，与Stablecoin相关的投资在其平台上有所增加。有了强大的基本原理，Stablecoins在不久的将来可能会看到更大的增长。