怀俄明州通过了第一个美国数字美元的立法

Mercado Libre 随后于 8 月推出了 MELI 稳定币。 MELI 集成到 Mercado Pago 平台中，是一种以美元计价的稳定币

Several new stablecoins have been introduced in recent months, offering a range of features and aiming to boost digital asset adoption.

近几个月推出了几种新的稳定币，提供了一系列功能，旨在促进数字资产的采用。

Mercado Libre unveiled its MELI stablecoin in August, which is integrated into the Mercado Pago platform. Designed to improve blockchain adoption, MELI is a dollar-denominated stablecoin that eliminates transaction fees for users and imposes a 1.5% fee on other digital assets.

Mercado Libre 于 8 月推出了 MELI 稳定币，该稳定币已集成到 Mercado Pago 平台中。 MELI 旨在提高区块链的采用率，是一种以美元计价的稳定币，它消除了用户的交易费用，并对其他数字资产征收 1.5% 的费用。

Banking Circle also announced the launch of EURI, a bank-backed stablecoin that complies with the Markets in Crypto Assets Regulation (MiCA).

Banking Circle 还宣布推出 EURI，这是一种符合加密资产市场监管 (MiCA) 的银行支持的稳定币。

Meanwhile, Wyoming has revealed plans for a state-issued stablecoin, which is expected to launch in 2025. The stablecoin will be backed by US Treasury bills and repurchase agreements.

与此同时，怀俄明州公布了国家发行稳定币的计划，预计将于 2025 年推出。该稳定币将得到美国国库券和回购协议的支持。

These stablecoin launches come as the digital assets market recovers, with a record $170.8 billion in circulation. These assets, which are designed to maintain a stable value by pegging to a reserve currency, offer the potential for efficient trading between crypto assets and the transformation of everyday payments.

这些稳定币的推出正值数字资产市场复苏之际​​，流通量达到创纪录的 1708 亿美元。这些资产旨在通过与储备货币挂钩来保持稳定的价值，为加密资产之间的高效交易和日常支付的转变提供了潜力。

However, critics highlight the lack of distinguishing features in many of these new stablecoins that could attract users away from established leaders like USDT and USDC.

然而，批评者强调，许多新的稳定币缺乏显着特征，可能会吸引用户远离 USDT 和 USDC 等成熟的领导者。

USDT continues to dominate the market with nearly 70% ($118.2 billion) of the total value, while USDC boasts a substantial market cap of $34.9 billion.

USDT 继续主导市场，占总价值的近 70%（1,182 亿美元），而 USDC 的市值高达 349 亿美元。

The primary criticism lies in the limited utility of new stablecoins, which are predominantly used for crypto trading rather than everyday transactions. They are often described as a “novelty asset” that some find useful, but many simply value them for their digital cash-equivalent.

主要的批评在于新稳定币的实用性有限，这些稳定币主要用于加密货币交易而不是日常交易。它们通常被描述为一种“新奇资产”，有些人觉得有用，但许多人只是因为它们的数字现金等价物而重视它们。

Moreover, new stablecoin issuers face the challenge of regulatory compliance. Securing approval across various jurisdictions is crucial for gaining institutional trust and widespread adoption, similar to the reputation enjoyed by Tether and Circle.

此外，新的稳定币发行人面临监管合规的挑战。确保各个司法管辖区的批准对于获得机构信任和广泛采用至关重要，类似于 Tether 和 Circle 所享有的声誉。

While new entrants, including Mercado Libre and Banking Circle, emphasize their commitment to regulation as a key differentiator, without strong regulatory frameworks and broad institutional support, these stablecoins may struggle to achieve the level of utility and acceptance seen with established players.

虽然包括 Mercado Libre 和 Banking Circle 在内的新进入者强调他们对监管的承诺，将其作为关键的差异化因素，但如果没有强有力的监管框架和广泛的机构支持，这些稳定币可能很难达到老牌参与者的实用性和接受度水平。

Ultimately, the success of new stablecoin launches will depend on their ability to offer unique features, scale past complex regulatory requirements, and gain acceptance beyond crypto trading.

最终，新稳定币推出的成功将取决于它们提供独特功能、超越复杂监管要求以及获得加密货币交易之外的认可的能力。