据报道道富银行正在创建自己的稳定币和存款代币

该公司正在考虑在区块链技术领域开展新业务，旨在利用区块链来结算支付。

Boston-based financial services giant State Street is reportedly planning to launch its own stablecoin and deposit token.

据报道，总部位于波士顿的金融服务巨头道富银行正计划推出自己的稳定币和存款代币。

According to a Friday report by Bloomberg, citing people familiar with the matter, State Street is also considering using blockchain technology to settle payments. The move is part of the company’s broader strategy to integrate digital assets into its services.

据彭博社周五援引知情人士的话报道，道富银行也在考虑使用区块链技术来结算支付。此举是该公司将数字资产整合到其服务中的更广泛战略的一部分。

The proposed stablecoin would be a blockchain-based currency pegged to a traditional asset, likely the dollar, while the deposit token would represent customer deposits on a blockchain. A deposit token is essentially a regular deposit held by a licensed depository institution, such as a commercial bank, but it is recorded on a blockchain.

拟议的稳定币将是一种基于区块链的货币，与传统资产（可能是美元）挂钩，而存款代币将代表区块链上的客户存款。存款代币本质上是由商业银行等持牌存款机构持有的定期存款，但它记录在区块链上。

State Street’s plans were first reported by Bloomberg.

道富银行的计划最先由彭博社报道。

The move comes amid a wave of interest in stablecoins from major players in the financial industry. For example, PayPal launched its own dollar-backed stablecoin, PYUSD, in collaboration with Paxos last year.

此举正值金融行业主要参与者对稳定币产生浓厚兴趣之际。例如，PayPal 去年与 Paxos 合作推出了自己的美元支持的稳定币 PYUSD。

Retail investors and fintech institutions are also rapidly adopting stablecoins. However, regulation for stablecoins in the U.S. remains murky, with ongoing legislative efforts led by Reps. Maxine Waters and Patrick McHenry, and discussions in the Senate.

散户投资者和金融科技机构也在迅速采用稳定币。然而，美国对稳定币的监管仍然不明朗，众议员 Maxine Waters 和 Patrick McHenry 正在进行立法工作，并在参议院进行讨论。

SEC Chair Gary Gensler has likened stablecoins to money market funds, but recent developments suggest a potential easing of regulatory scrutiny.

美国证券交易委员会主席加里·詹斯勒将稳定币比作货币市场基金，但最近的事态发展表明监管审查可能会放松。

State Street Global Advisors, the asset management arm of State Street, recently partnered with Galaxy Asset Management to launch exchange-traded funds focusing on crypto firms. The firm also established a dedicated digital assets unit in 2021.

道富银行旗下的资产管理部门道富环球顾问公司最近与 Galaxy Asset Management 合作推出了专注于加密货币公司的交易所交易基金。该公司还于 2021 年成立了专门的数字资产部门。