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儘管隨著現貨比特幣交易所交易基金的推出而流行的比特幣活動不斷增加,但美國消費者對穩定幣的採用在 2024 年仍將面臨放緩。
Stablecoin adoption among US-based consumers encountered a slowdown throughout 2024, despite the increasing activity observed in Bitcoin, which rose in popularity following the launch of the spot Bitcoin exchange-traded funds (ETFs).
儘管比特幣的活動不斷增加,並且在現貨比特幣交易所交易基金 (ETF) 推出後越來越受歡迎,但美國消費者對穩定幣的採用在 2024 年遇到了放緩。
As evident in the graph below, transactions made by US-regulated platforms decreased over the span of just under a year. This decline can be attributed to the growing challenges faced by US-based stablecoins in terms of regulation and adoption within the country.
如下圖所示,美國監管平台的交易量在不到一年的時間內有所下降。這種下降可歸因於美國穩定幣在國內監管和採用方面面臨越來越大的挑戰。
On the other hand, stablecoins emerging from markets outside the US experienced higher implementation. As stablecoins continue to be utilized on a global scale, this particular digital asset class is being employed to carry value and facilitate low-cost transactions in various regions worldwide.
另一方面,來自美國以外市場的穩定幣的實施率更高。隨著穩定幣繼續在全球範圍內使用,這種特殊的數位資產類別正在被用來承載價值並促進全球各個地區的低成本交易。
Global Demand For US Dollar-Backed Assets
全球對美元支持資產的需求
With countries aiming to establish a more stable asset base, typically in the form of the dollar, stablecoins will contribute to enhancing global financial inclusion, especially in areas where there are few, if any, stable currencies. Such a demand for reliable and well-preserved assets will ultimately drive the use of stablecoins.
隨著各國旨在建立更穩定的資產基礎(通常以美元的形式),穩定幣將有助於增強全球金融包容性,特別是在穩定貨幣很少(如果有的話)的地區。這種對可靠且保存完好的資產的需求最終將推動穩定幣的使用。
As 2022 drew to a close, it was observed that approximately $1 trillion in US dollars had been found abroad, which roughly equates to about half of the entire US dollar supply. This further highlights how stablecoins are gradually replacing dollar cash in markets where local currencies are prone to volatility.
2022年接近尾聲時,據觀察,國外發現了約1兆美元的美元,大約相當於美元總供應量的一半左右。這進一步凸顯了穩定幣如何在當地貨幣容易波動的市場中逐漸取代美元現金。
These findings align with the statements made by Paolo Ardoino, the CEO of Tether, who recently disclosed that stablecoin demand predominantly originates from developing countries such as Argentina, Turkey, and Vietnam. In these regions, people are turning to stablecoins to protect themselves against inflation and currency erosion, and are hence increasingly applying them as financial instruments for everyday operations and deposit purposes.
這些發現與 Tether 執行長 Paolo Ardoino 的聲明相符,後者最近透露,穩定幣需求主要來自阿根廷、土耳其和越南等發展中國家。在這些地區,人們正在轉向穩定幣來保護自己免受通貨膨脹和貨幣侵蝕,因此越來越多地將其用作日常營運和存款目的的金融工具。
Stablecoins: Regulatory Challenges And The US Position
穩定幣:監管挑戰與美國的立場
The United States, lacking an adequate framework for digital assets, finds itself at a competitive disadvantage, as financial hubs in Europe and the United Arab Emirates are attracting stablecoin projects due to their more favorable regulatory environments. According to Chainalysis, it has been highlighted by companies like Circle that the absence of a US regulatory framework for stablecoins could pose a threat to American interests.
美國缺乏適當的數位資產框架,發現自己處於競爭劣勢,而歐洲和阿拉伯聯合大公國的金融中心因其更有利的監管環境而吸引了穩定幣計畫。據 Chainaanalysis 稱,Circle 等公司強調,美國缺乏穩定幣監管框架可能會對美國利益構成威脅。
More countries are stepping up to establish clear guidelines that encourage the use of stablecoins, and the US is no exception to this call to action. Chainalysis believes that this gap in regulation will likely determine the country's ability to remain competitive within the emerging digital asset landscape, serving as the catalyst for driving innovation within the stablecoin market.
越來越多的國家正在加緊制定鼓勵使用穩定幣的明確指導方針,美國也不例外。 Chainaanalysis 認為,這種監管差距可能會決定該國在新興數位資產領域保持競爭力的能力,並成為推動穩定幣市場創新的催化劑。
Featured image from Pexels, chart from TradingView
精選圖片來自 Pexels,圖表來自 TradingView
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