Stripe、银行特许和稳定币：数字金融的新时代？

Stripe's Bridge 在稳定币热潮中寻求银行牌照，这标志着数字金融的重大转变。这对未来意味着什么？

The landscape of digital finance is rapidly evolving, with Stripe, banking charters, and stablecoins taking center stage. Stripe's subsidiary, Bridge, has applied for a national bank trust charter, signaling a bold move into the regulated stablecoin industry. This development, coupled with the rise of stablecoins and regulatory clarity, hints at a future where digital currencies are seamlessly integrated into mainstream commerce.

数字金融的格局正在迅速发展，Stripe、银行牌照和稳定币占据了中心舞台。 Stripe 的子公司 Bridge 已申请国家银行信托执照，标志着其大胆进军受监管的稳定币行业。这一发展，加上稳定币的兴起和监管的明确性，暗示着数字货币将无缝融入主流商业的未来。

Bridge's Bold Move: A Banking Charter for Stablecoins

Bridge 的大胆举措：稳定币银行宪章

Bridge's application for a national bank trust charter with the Office of the Comptroller of the Currency (OCC) is a game-changer. If approved, Bridge would be under direct federal regulatory supervision, gaining the authority to issue, manage, and custody stablecoins across the United States within a fully regulated banking framework. This move aligns with the GENIUS Act, which introduced a comprehensive federal framework for stablecoin issuers.

Bridge 向货币监理署 (OCC) 申请国家银行信托执照是一个改变游戏规则的事情。如果获得批准，Bridge 将受到联邦直接监管，并获得在美国完全监管的银行框架内发行、管理和托管稳定币的权力。此举符合《天才法案》，该法案为稳定币发行人引入了全面的联邦框架。

Zach Abrams, Bridge's co-founder, emphasized the company's vision to "tokenize trillions in real-world assets under a unified regulatory structure." This isn't just about regulatory permission; it's about building a bridge between tokenized finance and the necessary oversight for sustainability.

Bridge 联合创始人扎克·艾布拉姆斯 (Zach Abrams) 强调该公司的愿景是“在统一的监管结构下将数万亿现实世界资产代币化”。这不仅仅是监管许可的问题；这是关于在代币化金融和必要的可持续性监督之间建立一座桥梁。

Stripe's Expanding Blockchain Strategy

Stripe 的区块链扩张战略

Stripe's acquisition of Bridge in 2024 for $1.1 billion underscored its commitment to blockchain technology. The introduction of Open Issuance, a platform enabling businesses to create custom stablecoins using Bridge’s infrastructure, further solidifies this commitment. With high-profile clients already utilizing the service, Bridge is becoming a backbone provider for decentralized payment systems.

Stripe 于 2024 年以 11 亿美元收购 Bridge，突显了其对区块链技术的承诺。 Open Issuance 的推出进一步巩固了这一承诺，该平台使企业能够使用 Bridge 的基础设施创建定制稳定币。随着知名客户已经使用该服务，Bridge 正在成为去中心化支付系统的骨干提供商。

Stripe's interest in stablecoins isn't new. After an initial foray into Bitcoin payments, Stripe has reentered the space with renewed ambition, partnering with Coinbase and Shopify to enable merchants to accept USDC stablecoin payments. The OCC application aims to establish Stripe as the first major fintech company with a federally regulated blockchain subsidiary, capable of operating across all 50 states without additional licensing hurdles.

Stripe 对稳定币的兴趣并不新鲜。在最初涉足比特币支付之后，Stripe 带着新的雄心重新进入该领域，与 Coinbase 和 Shopify 合作，使商家能够接受 USDC 稳定币支付。 OCC 申请旨在将 Stripe 打造成第一家拥有联邦监管区块链子公司的大型金融科技公司，能够在所有 50 个州开展业务，而无需额外的许可障碍。

The Rise of Stablecoins and Regulatory Momentum

稳定币的崛起和监管势头

Stablecoins represent a $300 billion asset class, facilitating trillions in annual trading volume. As stablecoins gain traction, regulatory momentum is building. Federal agencies are expressing support for regulated stablecoins as a tool for financial modernization. This shift could lead to deeper integration with traditional finance, with companies like Stripe playing by the same rules as banks.

稳定币代表着价值 3000 亿美元的资产类别，促进了数万亿美元的年交易量。随着稳定币越来越受欢迎，监管势头正在增强。联邦机构表示支持受监管的稳定币作为金融现代化的工具。这种转变可能会导致与传统金融的更深入整合，像 Stripe 这样的公司将遵循与银行相同的规则。

The Future of Digital Finance: A Personal Take

数字金融的未来：个人看法

The convergence of Stripe's innovative payment solutions, the pursuit of banking charters, and the rise of stablecoins points to a future where digital finance is more accessible, secure, and integrated into everyday life. Imagine a world where cross-border transactions are seamless, and digital currencies are a default medium for online commerce.

Stripe 的创新支付解决方案、对银行牌照的追求以及稳定币的兴起的融合预示着数字金融将更容易获得、更安全并融入日常生活的未来。想象一下这样一个世界：跨境交易是无缝的，数字货币是在线商务的默认媒介。

Erebor Bank's preliminary approval from the OCC, just four months after its application, further highlights the growing acceptance of crypto-focused lenders within the traditional financial system. This swift approval, backed by notable figures like Palmer Luckey and Peter Thiel, indicates a significant shift towards integrating digital assets into the U.S. banking framework.

Erebor 银行在申请后仅四个月就获得了 OCC 的初步批准，进一步凸显了传统金融体系内对加密货币贷款机构的接受度不断提高。在 Palmer Luckey 和 Peter Thiel 等知名人士的支持下，这一迅速批准标志着将数字资产纳入美国银行业框架的重大转变。

With stablecoins potentially pulling $1T in deposits away from traditional banks over the next three years, it's clear that the financial landscape is on the cusp of a major transformation. The GENIUS Act sets the stage for wallets to become the banks of the future. The rise of wallets like Best Wallet, which integrate compliant rails and institutional security, further solidifies this trend.

未来三年，稳定币可能会从传统银行吸走 1T 美元的存款，很明显，金融格局正处于重大转型的风口浪尖。 《天才法案》为钱包成为未来的银行奠定了基础。像 Best Wallet 这样集成了合规轨道和机构安全性的钱包的兴起，进一步巩固了这一趋势。

Looking Ahead

展望未来

Stripe's ambitions in the blockchain space are expanding, with Bridge poised to play a central role. As regulatory clarity increases and institutional demand accelerates, Stripe's strategy appears focused on building the financial plumbing for the tokenized economy. The potential for fintech companies to transition into fully regulated digital banks is becoming a reality.

Stripe 在区块链领域的野心正在不断扩大，Bridge 有望发挥核心作用。随着监管清晰度的提高和机构需求的加速，Stripe 的战略似乎集中在为代币化经济建立金融管道。金融科技公司转型为完全监管的数字银行的潜力正在成为现实。

So, buckle up, folks! The world of digital finance is about to get a whole lot more interesting. With Stripe leading the charge and stablecoins gaining mainstream acceptance, we're on the verge of a financial revolution. Who knows, maybe one day we'll all be paying for our morning coffee with stablecoins. The future is now, and it's looking pretty digital!

所以，扣好安全带，伙计们！数字金融世界即将变得更加有趣。随着 Stripe 的引领和稳定币获得主流接受，我们正处于金融革命的边缘。谁知道呢，也许有一天我们都会用稳定币来支付早上的咖啡费用。未来就在眼前，而且它看起来非常数字化！