美國銀行的計劃可以關閉Coinbase和Tether Stablecoins

美國銀行正在遊說國會通過立法，這將使銀行在不斷增長的Stablecoin市場中獲得優勢。

Bank of America is reportedly lobbying Congress to pass legislation that would grant banks a central role in the burgeoning stablecoin market, ultimately aiming to prevent non-bank companies from readily issuing digital dollar-pegged tokens.

據報導，美國銀行正在遊說國會通過立法，該立法將使銀行在新興的Stablecoin市場中扮演核心角色，最終旨在防止非銀行公司容易發行數字美元pegggggggggggggggggggggeng tokens。

According to The Block, the $284 billion financial behemoth is collaborating with industry groups such as the American Bankers Association and the Bank Policy Institute in these efforts. These campaigns are part of a broader push to create a fully reserved, 1:1-backed “Bank of America coin.”

根據該街區的數據，這筆2840億美元的金融巨頭正在與美國銀行家協會和銀行政策研究所等行業集團合作。這些運動是創建一個完全保留的1：1的“美國銀行硬幣”的廣泛推動力的一部分。

If successful, this initiative could systematically sideline and shut down the operations of prominent stablecoin projects developed by non-bank players. Among the companies that could be affected by this move are Coinbase, Circle, Tether, Amazon, Meta, and PayPal.

如果成功的話，這項倡議可能會系統地隔離並關閉非銀行參與者開發的著名Stablecoin項目的運營。在可能受到此舉影響的公司中，有Coinbase，Circle，Tether，Amazon，Meta和Paypal。

As the leading stablecoins in the market, USDC (by Circle) and USDT (by Tether) currently boast impressive market caps of $60 billion and $144 billion, respectively. Bank of America's desire to enter this market is no secret, but the bank's primary focus is on ensuring that the playing field tips heavily in favor of traditional banks.

作為市場上領先的Stablecoins，USDC（由Circle）和USDT（由Tether）（由Tether）目前擁有令人印象深刻的市值為600億美元和1440億美元。美國銀行進入這個市場的願望並不是什麼秘密，但是該銀行的主要重點是確保競爭對手大力支持傳統銀行。

While Circle is engaging in lobbying efforts to safeguard its own enterprise, Bank of America maintains that its offering would be characterized by greater transparency and full compliance with U.S. law—a narrative implicitly targeting competitors like Tether, which has faced regulatory attention in the past.

儘管Circle正在遊說為維護自己的企業而進行遊說努力，但美國銀行堅持認為，其發行的特徵是更大的透明度和完全遵守美國法律，這是一種隱含的敘述性針對Tether等競爭對手的敘述，而Tether像Tether一樣，在過去面臨監管的關注。

However, it's worth noting that Bank of America's own past interactions with regulators are not without blemish. The bank has incurred fines for issues ranging from underpaying FDIC insurance and double-charging customers to violations of the Home Mortgage Disclosure Act, culminating in a $16 billion DOJ settlement over financial fraud.

但是，值得注意的是，美國銀行自己過去與監管機構的互動並非沒有瑕疵。該銀行因涉及FDIC保險和雙重收費的客戶到違反《房屋抵押貸款披露法》的問題的罰款，最終達到了160億美元的DOJ和解。