Stablecoins：一次革新金融一步

了解稳定币及其在金融未来中的作用

Industry heavyweights descended upon Toronto to chart the course of digital finance, with the burgeoning realm of stablecoins taking center stage. Among the insightful contributions, José Fernandez da Ponte from PayPal offered a compelling perspective on the role banks could play in propelling the widespread adoption of stablecoins.

行业重量级人物降落在多伦多，以绘制数字融资的进程，而稳定的稳定领域则是中心舞台。在有见地的贡献中，PayPal的JoséFernandezda Ponte对银行在推动广泛采用Stablecoins的角色方面提出了令人信服的观点。

Highlighting the strengths of traditional institutions, da Ponte envisioned a future where digital currencies seamlessly integrate into the mainstream, moving beyond the confines of crypto circles. According to him, banks' involvement is crucial, given their existing infrastructure in areas such as custody solutions and fiat integration.

达·庞特（Da Ponte）强调了传统机构的优势，设想了一个未来，在该未来中，数字货币无缝地集成到主流中，超越了加密圈的范围。据他介绍，鉴于其现有的基础设施在托管解决方案和菲亚特整合等领域，银行的参与至关重要。

“They [banks] have the network, they have the legal entities, they have custody, they can do fiat integration. What's missing is the velocity, the volumes, and the active users. That's what the crypto industry brings to the table,” da Ponte explained. He further noted that although platforms like Tether and Circle currently dominate the stablecoin landscape with a 90% market share in a $230 billion asset class, newcomers like PayPal are emerging and focusing on metrics beyond market capitalization.

“他们（银行）拥有网络，拥有法律实体，有监护权，可以进行菲亚特整合。缺少的是速度，数量和活跃的用户。这就是加密货币行业所带来的餐桌，”达·庞特（Da Ponte）解释说。他进一步指出，尽管Tether and Circle等平台目前在Stablecoin景观中占据主导地位，在2,300亿美元的资产类别中，市场份额为90％，但PayPal等新移民仍在出现，并着重于超出市值的指标。

The success of these new entrants will hinge on engaging a broader user base and driving transaction velocity. This competitive dynamic is unfolding as the U.S. Congress navigates the complexities of regulating digital assets.

这些新进入者的成功将取决于吸引更广泛的用户群和驱动交易速度。随着美国国会在规范数字资产的复杂性时，这种竞争动态正在展开。

Highlighting the broader implications of this regulatory move, Anthony Soohoo from MoneyGram described it as a key step in building trust. He explained that while there was initial reluctance among some to engage with cryptocurrencies, the willingness of lawmakers to intervene and inject clarity is facilitating a transition.

Moneygram的Anthony Soohoo强调了这一监管举动的更广泛的含义，将其描述为建立信任的关键步骤。他解释说，尽管有些人最初不愿与加密货币互动，但立法者介入和注入清晰度的意愿正在促进过渡。

This shift is unfolding in response to consumer concerns, particularly regarding the stability of the financial system and the trustworthiness of financial institutions.

这一转变是为了应对消费者的关注，特别是关于金融体系的稳定性和金融机构的可信度。

“I think there's a natural progression in terms of the level of trust with financial institutions versus the level of trust with government bodies. There's a natural hierarchy that plays out,” Soohoo elaborated.

Soohoo阐述说：“我认为，金融机构的信任程度与政府机构的信任程度上的信任程度是自然的。

However, despite the rapid development of the crypto industry, it faces an interesting challenge—consumers aren't necessarily interested in the technology itself. They're seeking solutions to pressing problems.

但是，尽管加密行业发展迅速，但面临着一个有趣的挑战 - 消费者不一定对技术本身感兴趣。他们正在寻找解决问题的解决方案。

In emerging markets, where inflation and monetary volatility are rampant, dollar-backed stablecoins offer a beacon of hope. These digital assets provide a haven for performing transactions safely and potentially saving in an asset that holds value. This factor contributes to the swift adoption of stablecoins in such markets.

在新兴市场，通货膨胀和货币波动猖ramp的新兴市场中，美元支持的Stablecoins提供了希望的灯塔。这些数字资产为安全和潜在地节省了具有价值的资产提供了避​​风港。这个因素有助于在此类市场中迅速采用稳定剂。

In stark contrast, developed world economies are seeing a slower uptake of stablecoins. Although they may not be in urgent need of dollar-backed assets, the promise of stablecoins streamlining cross-border transactions and corporate financial operations remains tantalizing.

与之形成鲜明对比的是，发达国家经济体的吸收较慢。尽管他们可能不需要美元支持的资产，但稳定币的承诺简化了跨境交易和企业金融业务仍然诱人。

Imagine a world where financial disbursements aren't encumbered by conventional delays—swift, seamless, and borderless. This vision, if realized, could spawn a new era of global financial integration.

想象一个世界，没有传统的延误（旋转，无缝且无边界）所付出的财务支出。如果实现的话，这种愿景可以产生全球金融整合的新时代。

As industry leaders continue to navigate the evolving landscape of digital finance, they are faced with the pressing call to action—challenge stablecoins must solve tangible problems.

随着行业领导者继续在数字金融的不断发展的景观中导航，他们面临着紧迫的呼吁 - 挑战稳定的稳定性必须解决切实的问题。

Consumers aren't interested in the technological intricacies; they yearn for solutions that will enhance their lives and provide stability, convenience, and security in the ever-evolving realm of digital finance.

消费者对技术复杂性不感兴趣。他们渴望解决能够改善生活并在数字融资领域中提供稳定，便利和安全的解决方案。