一旦制定了法規，美國銀行就準備發起自己的Stablecoin

美國銀行是美國第二大銀行，擁有3.26萬億美元的資產，一旦建立監管框架，就準備發起自己的Stablecoin

Bank of America is ready to launch its own stablecoin once regulatory frameworks are established, according to CEO Brian Moynihan.

首席執行官Brian Moynihan表示，一旦建立監管框架，美國銀行就準備發起自己的Stablecoin。

Speaking at The Economic Club of Washington, D.C. on Tuesday, Moynihan confirmed the bank’s intentions to create a “Bank of America Coin” that would be fully backed by U.S. dollars.

莫伊尼漢（Moynihan）在華盛頓特區的經濟俱樂部在華盛頓特區的經濟俱樂部發表講話，證實了該銀行打算創建“美國銀行硬幣”的意圖，這將完全得到美元的支持。

“It’s pretty clear that there’s going to be a stablecoin, which is going to be fully dollar-backed,” Moynihan stated during his conversation with businessman David Rubenstein. “If they make that legal, we will go into that business.”

莫伊尼漢在與商人戴維·魯賓斯坦（David Rubenstein）的交談中說：“很明顯，將會有一個穩定的人，這將是全美元支持的。” “如果他們合法，我們將開始這項業務。”

Moynihan described the proposed stablecoin as functionally similar to existing financial products. “It’s no different than the money market fund with check access, it’s no different than a bank account, really,” he explained. The CEO indicated that once legal, customers would “have a Bank of America coin” that they could “move back and forth” for various transactions.

Moynihan將擬議的Stablecoin描述為與現有金融產品的功能相似。他解釋說：“這與支票訪問的貨幣市場基金沒有什麼不同，實際上，這與銀行帳戶沒有什麼不同。”首席執行官表示，一旦合法，客戶將“擁有一枚美國銀行硬幣”，他們可以“來回移動”進行各種交易。

This announcement comes as the stablecoin market has grown to a value of over $230 billion despite the lack of clear regulations in the United States. The current market is dominated by Tether’s USDT with approximately $142 billion in circulation and Circle’s USDC with about $56 billion.

該公告是因為儘管美國缺乏明確的法規，但Stablecoin市場的價值已增長超過2,300億美元。當前的市場由Tether的USDT主導，流通量約為1420億美元，Circle的USDC約為560億美元。

The regulatory landscape appears to be changing rapidly under the Trump administration. Senate Banking Committee Chairman Tim Scott (R-SC) recently promised that a stablecoin bill, known as the GENIUS Act, will pass through both chambers of Congress and receive the President’s signature within Trump’s first 100 days in office.

在特朗普政府的領導下，監管格局似乎正在迅速變化。參議院銀行委員會主席蒂姆·斯科特（Tim Scott）（R-SC）最近承諾，一項被稱為《天才法案》的穩定法案將通過國會的兩堂，並在特朗普的前100天內獲得總統的簽名。

During an earlier appearance on CNBC’s “Squawk Box” this year, Moynihan predicted that “the banking system will come in hard on the transactional side” of stablecoins once legislation passes. He believes they would find broad use in payment systems.

在今年CNBC的“ Squawk Box”上的較早露面中，Moynihan預測，一旦立法通過，Stablecoins的交易方面將在交易方面陷入困境。他認為他們會在付款系統中找到廣泛使用。

Bank of America would not be the first major financial institution to launch a stablecoin. Its largest competitor, JP Morgan, has been developing its “JPM Coin” since 2020 as part of its Onyx blockchain initiative. JP Morgan has positioned its stablecoin primarily as a tool for cross-border transactions and payments between financial institutions.

美國銀行將不是第一個發射穩定的主要金融機構。自2020年以來，其最大的競爭對手JP Morgan一直在開發其“ JPM硬幣”，這是其Onyx區塊鏈計劃的一部分。 JP Morgan將其穩定幣定位為主要作為金融機構之間跨境交易和付款的工具。

Other companies have already moved forward despite regulatory uncertainty. PayPal launched its PYUSD stablecoin in 2023 and recently announced plans to have 20 million merchants using the product this year.

儘管有監管不確定性，其他公司已經向前邁進。 PayPal於2023年推出了Pyusd Stablecoin，並最近宣布計劃今年有2000萬商人使用該產品。

Ripple secured approval from the New York State Department of Financial Services (NYDFS) in December to launch its RLUSD stablecoin.

Ripple於12月獲得了紐約州金融服務部（NYDFS）的批准，以啟動其RLUSD Stablecoin。

The entry of traditional banking giants like Bank of America could trigger major growth in the stablecoin market beyond the current $230 billion valuation. However, Moynihan acknowledged some uncertainty about the full range of applications, stating, “The question of what it’s useful for is going to be interesting.”

像美國銀行這樣的傳統銀行巨頭的進入可能會觸發Stablecoin市場的重大增長，超過當前的200億美元估值。但是，Moynihan承認有關應用程序的全部不確定性，並指出：“它有用的問題將變得有趣。”

White House AI and Crypto Czar David Sacks recently held his first crypto-focused press conference, outlining legislative priorities that include both a markets structure bill and a comprehensive stablecoin bill. These developments suggest that after years of debate, U.S. lawmakers may finally be ready to create a clear pathway to legality for stablecoin issuers.

白宮AI和Crypto Czar David Sacks最近舉行了他的第一次以加密貨幣為重點的新聞發布會，概述了包括市場結構法案和全面的Stablecoin法案在內的立法優先事項。這些事態發展表明，經過多年的辯論，美國立法者最終可能準備為Stablecoin發行人創造合法性的明確途徑。