如果監管框架允許

首席執行官Brian Moynihan說

Bank of America is prepared to launch its own stablecoin if the legal framework permits, disclosed CEO Brian Moynihan during an interview with David Rubenstein at the Economic Club of Washington on Tuesday.

美國銀行準備在周二在華盛頓經濟俱樂部接受戴維·魯賓斯坦（David Rubenstein）的採訪時透露，如果法律框架允許的法律框架允許，則準備發起自己的穩定。

"It's pretty clear there's going to be a stable coin which is going to be fully dollar backed," explained Moynihan when asked by Rubenstein whether he envisioned a future where physical cash is completely eliminated in favor of a fully digital economy.

當魯賓斯坦（Rubenstein）詢問他是否設想了一個未來，即完全消除了實力現金以支持完全數字經濟，這很明顯，很明顯，將會有一枚穩定的硬幣，這將是全美元的支持。 ”

"If they make that legal we'll go into that business. You'll have a Bank of America coin and a US dollar deposit and we'll be able to move them back and forth. Because now it hasn't been legal for us to do it," said Moynihan.

“如果他們成為合法的人，我們將進入這項業務。您將擁有一枚美國銀行硬幣和美元存款，我們將能夠來回移動它們。因為現在尚不合法我們這樣做。”莫伊尼漢說。

Moynihan also categorized three distinct assets in the digital asset space: blockchain technology, stablecoins, and Bitcoin and other crypto assets. His main focus was on stablecoins, explaining that these assets would operate in a similar manner to existing financial products.

Moynihan還將數字資產空間中的三個不同資產分類為：區塊鏈技術，Stablecoins，Bitcoin和其他加密資產。他的主要重點是穩定幣，解釋說這些資產將以與現有金融產品相似的方式運營。

"It's no different than a money market fund with check access...is no different than a bank account," said Moynihan.

Moynihan說：“這與支票訪問的貨幣市場基金沒有什麼不同……與銀行帳戶沒有什麼不同。”

The vast majority of money movement is already digital, especially for large transactions between central banks, like wire transfers, ACH payments, and other electronic methods, according to Moynihan.

據Moynihan稱，絕大多數貨幣運動已經是數字化的，尤其是對於中央銀行之間的大型交易，例如電匯，ACH付款和其他電子方法。

Credit and debit cards further attest to the shift towards a digital economy, stated the BofA CEO. He noted that consumer spending is heavily digital, with Zelle, credit cards, and other digital payment methods largely outpacing cash transactions.

美國銀行首席執行官說，信用卡和借記卡進一步證明了向數字經濟轉變。他指出，消費者支出數量很大，Zelle，信用卡和其他數字支付方式在很大程度上超過了現金交易。

"Cash is critically important. We'll still need branches and ATMs for consumers and small businesses who use cash," said Moynihan.

Moynihan說：“現金至關重要。我們仍然需要用於使用現金的消費者和小型企業的分支機構和自動取款機。”

The bank currently handles substantial digital money movement, with Moynihan noting they "move three trillion dollars today digitally." He added that while physical currency remains important, 98% of bills moved globally are handled by the bank as a government service.

該銀行目前正在處理大量的數字貨幣運動，Moynihan指出他們“今天以數字方式移動了三億美元”。他補充說，儘管實體貨幣仍然很重要，但銀行將98％的賬單作為政府服務來處理。

On the physical currency logistics, Moynihan explained that "a billion dollars of hundreds weighs a few tons" and "a million dollars of hundreds is a 25 foot stack," highlighting the practical advantages of digital alternatives.

在物理貨幣物流上，Moynihan解釋說：“十億美元重幾噸”和“一百萬美元的數百英尺是25英尺的堆棧”，強調了數字替代方案的實際優勢。

Last month, Moynihan said that US banks are ready to adopt crypto payments if regulatory frameworks are established, concentrating on safe, non-anonymous transactions. He also mentioned that the bank already manages most transactions digitally.

上個月，Moynihan表示，如果建立監管框架，美國銀行準備採用加密貨幣，專注於安全的，非匿名的交易。他還提到該銀行已經以數字方式管理了大多數交易。

“If the rules come in and make it a real thing that you can actually do business with, you will find the banking system will come in hard on the transactional side of it,” Moynihan remarked.

Moynihan指出：“如果規則進一步製定並使您可以真正與之開展業務，那麼您會發現銀行系統將在交易方面努力。”

He views crypto as another potential payment method alongside traditional systems and stated that the bank holds numerous blockchain patents.

他認為加密貨幣是另一種潛在的付款方式與傳統系統一起，並表示該銀行擁有許多區塊鏈專利。

The broader adoption of crypto by banks has been hampered by regulatory uncertainties, which could change with the Trump administration's pro-crypto stance.

銀行對加密貨幣的廣泛採用受到監管不確定性的阻礙，這可能會隨著特朗普政府的親克賴特托立場而改變。