美國銀行首席執行官布萊恩·莫伊尼漢（Brian Moynihan）表示，如果聯邦立法允許，該銀行準備介紹自己的美元穩定穩定。

他在華盛頓特區的經濟俱樂部發表講話時說，監管清晰度將決定該銀行進入Stablecoin市場。

Bank of America CEO Brian Moynihan has said the bank is ready to introduce its own USD-pegged stablecoin if federal legislation permits it.

美國銀行首席執行官布萊恩·莫伊尼漢（Brian Moynihan）表示，如果聯邦立法允許，該銀行已準備好引入自己的美元固定車。

Speaking at The Economic Club of Washington, D.C., he said that the bank’s entry into the stablecoin market will depend on regulatory clarity.

他在華盛頓特區的經濟俱樂部發表講話時說，該銀行進入Stablecoin市場將取決於監管的清晰度。

“It’s pretty clear there’s going to be a #stablecoin, which is going to be a fully dollar-backed… it’s no different than a #bank account,” Moynihan said.

Moynihan說：“很明顯，將會有一個#stablecoin，這將是一筆全額資金的……這與#Bank帳戶沒有什麼不同。”

“They’re applying for approval now. Once the legislation passes, you’ll have a stablecoin in the U.S.,” he added.

“他們現在正在申請批准。立法通過後，您將在美國擁有一個穩定的幣。”他補充說。

Stablecoins’ stability is similar to money market funds and traditional banking functionality as they are key parts of transactional activity, according to Moynihan. He noted that stablecoins currently dominate market use but their mainstream adoption by banks will require a well-defined regulatory system.

根據Moynihan的說法，Stablecoins的穩定性類似於貨幣市場基金和傳統的銀行業務功能，因為它們是交易活動的關鍵部分。他指出，斯塔布萊辛目前主導了市場用途，但銀行的主流採用將需要明確定義的監管系統。

“You’ll have a stablecoin when the legislation passes, probably in the first 100 days of the new administration, as the Senate Banking Committee chair, Tim Scott, plans to work on advancing stablecoin legislation. After that approval, you’ll have Bank of America applying to make a stablecoin,” Moynihan said.

“當立法通過，可能是在新政府的前100天，參議院銀行委員會主席蒂姆·斯科特（Tim Scott）計劃致力於推進Stablecoin立法時，您將擁有一個穩定的幣。批准後，您將有美國銀行申請製造穩定的人。” Moynihan說。

The U.S. has seen increasing discussion around regulatory control of stablecoins.

美國已經圍繞對穩定劑的監管控制進行了越來越多的討論。

PayPal became the latest payment firm to join the stablecoin market with the launch of PYUSD in 2023. Traditional banks see potential in stablecoins, with the current market exceeding $232 billion. Additionally, JPMorgan Chase and other financial institutions began using blockchain technology for payment operations in 2020.

貝寶（Paypal）於2023年推出了Pyusd，成為加入Stablecoin市場的最新付款公司。傳統銀行認為，Stablecoins的潛力，當前市場超過2320億美元。此外，摩根大通（JPMorgan Chase）和其他金融機構於2020年開始使用區塊鏈技術進行支付運營。

Bank of America is making significant investments in digital technology and tools. Moynihan disclosed that Bank of America allocates $4 billion annually for innovative endeavors along with $9 billion spent yearly to maintain its technological infrastructure. Digital transformation is the bank’s primary focus as customers now use digital and mobile channels for their interactions, amounting to 90%.

美國銀行正在對數字技術和工具進行大量投資。莫伊尼漢（Moynihan）透露，美國銀行每年分配40億美元的創新努力，每年花費90億美元來維持其技術基礎設施。數字化轉型是該銀行的主要重點，因為客戶現在使用數字和移動渠道進行交互，總計90％。

Despite having nearly 3,700 branches nationwide, Bank of America is focused on advancing its digital banking initiatives. According to Moynihan, estate management and financial planning require human interaction through in-person banking as technology doesn’t fully address all financial challenges.

儘管全國有近3,700個分支機構，但美國銀行仍致力於推進其數字銀行計劃。根據Moynihan的說法，房地產管理和財務計劃需要通過面對面的銀行業務進行人工互動，因為技術並不能完全應對所有財務挑戰。