一些世界上一些最大的銀行和金融科技公司正在競爭自己的穩定股份

他們的目標是搶占不斷擴大的跨境支付市場。根據《金融時報

Some of the world’s biggest banks and fintech firms are racing to launch their own stablecoins in a move that is set to spark even greater competition for a share of the expanding cross-border payments market.

世界上一些最大的銀行和金融科技公司正在競賽，以推出自己的穩定幣，這將激發越來越多的跨境支付市場的更大競爭。

As reported by the Financial Times, Bank of America, Standard Chartered, Revolut, and Stripe have signaled plans to issue their own digital assets. This move will allow them to directly challenge stablecoin leaders Tether and Circle.

正如《金融時報》報導的，美國銀行（Bank of America），《租賃》，《革命》和《條紋》標誌著發布了自己的數字資產的計劃。此舉將使他們能夠直接挑戰Stablecoin領導者的束縛和圈。

TradFi Giants Eye Stablecoin Market Share, Challenging Crypto-Native Leaders

Tradfi巨人眼穩定市場份額，挑戰加密本地領導者

The shift comes as stablecoins become a real part of the financial system. This trend also shows a change from past skepticism, especially after the failure of Meta’s Libra stablecoin plan six years ago.

隨著Stablecoins成為金融體系的真實組成部分，這種轉變就來了。這種趨勢也顯示出與過去的懷疑主義的變化，尤其是在六年前Meta的Libra Stablecoin計劃失敗之後。

Importantly, the trend is growing further under the Trump administration, which has embraced cryptocurrencies. According to recent reports, the U.S. Congress is debating bills that would standardize stablecoin regulations. This initiative aims to provide banks and businesses with greater confidence to enter the market.

重要的是，在特朗普政府的領導下，這種趨勢正在進一步發展，該政府接受了加密貨幣。根據最近的報導，美國國會正在辯論將標準化Stablecoin法規的法案。該計劃旨在使銀行和企業更有信心進入市場。

Stablecoins Gain Mainstream Acceptance Beyond Just Crypto

穩定幣不僅獲得加密貨幣而獲得主流接受

The surge in stablecoin development has been called a modern-day gold rush. “It’s about people selling shovels in the stablecoin gold rush,” said Simon Taylor, co-founder of fintech consultancy 11:FS.

Stablecoin開發的激增被稱為現代淘金熱。 Fintech Consultancy 11：FS的聯合創始人西蒙·泰勒（Simon Taylor）說：“這是關於在Stablecoin淘金熱中出售鏟子的人們。”

He explained that the rapid expansion is driven by fear of missing out (FOMO). This feeling compels firms to establish a presence before stablecoin regulations are fully in place.

他解釋說，快速擴張是由於害怕錯過（FOMO）所驅動的。這種感覺迫使企業在完全制定了Stablecoin法規之前建立存在。

“The other thing that’s driven it is real volume,” he added. “Founders want to get a piece of it because they know they’re going to get stablecoin regulation, and so it’s all of those things coming together.”

他補充說：“驅動的另一件事是真正的音量。” “創始人想獲得其中的一部分，因為他們知道自己將獲得Stablecoin的監管，所以所有這些事情都聚集在一起。”

Stablecoins Facilitate Low-Cost, Instant Transactions for Diverse Businesses

Stablecoins促進低成本，即時交易的各種企業

Interestingly, businesses in sectors like commodities, agriculture, and shipping are using stablecoins for transactions. According to a recent report by PYMNTS, this new generation of payment technology is especially useful in regions with unstable currencies, like Argentina, where merchants prefer to be paid in stablecoins.

有趣的是，商品，農業和航運等領域的企業正在使用Stablecoins進行交易。根據PYMNTS的最新報告，這種新一代的支付技術在不穩定貨幣（如阿根廷）的地區特別有用，那裡的商人更喜歡用stablecoins支付。

Unlike traditional banking systems, stablecoins provide instant, low-cost transfers, particularly in unstable macroeconomic regions.

與傳統的銀行體係不同，Stablecoins提供了即時的低成本轉移，尤其是在不穩定的宏觀經濟區域。

Related: Investors Lie in Wait As Stablecoins Circulating Supply Surges Over $16B in 2025

相關：投資者正在等待，隨著2025年穩定的供應激增超過16B

The Integration of Stablecoins into the Mainstream Financial System

將穩定幣的整合到主流金融體系中

The optimistic outlook on stablecoins is shared by Tom Hayes, founder of crypto hedge fund, Spark Digital Capital. In a recent interview with Bloomberg, Hayes highlighted the potential of Tether (USDT) to revolutionize the financial landscape.

Spark Digital Capital的Crypto Hedge Fund的創始人Tom Hayes共享了對Stablecoins的樂觀前景。在最近接受彭博社的採訪中，海斯強調了Tether（USDT）徹底改變金融景觀的潛力。

The market’s growth is clear in current figures. As of this year, the global supply of stablecoins has reached $231 billion. According to data from Tether, the company’s token (USDT) is the most widely used, with $142 billion in circulation. In comparison, Circle’s USDC has $57 billion in circulation.

當前數字中，市場的增長很明顯。截至今年，全球Stablecoins的供應已達到2310億美元。根據Tether的數據，該公司的令牌（USDT）是最廣泛使用的，發行量為1420億美元。相比之下，Circle的USDC有570億美元的發行量。

Moreover, transaction volumes hit $710 billion last month, up from $521 billion a year earlier, according to data from Visa.

此外，根據Visa的數據，上個月的交易量從去年同期的5210億美元中達到了7100億美元。

New Stablecoin Entrants Face Uphill Battle Against Established Leaders

新的Stablecoin參賽者面臨與成熟領導人的艱苦戰鬥

Despite the growth, new stablecoin issuers have challenges to overcome. For example, established players like Tether processed over $131 billion in transactions last month. In contrast, PayPal’s PYUSD only processed $163 million. According to the report, this disparity in activity underscores the substantial lead held by Tether and Circle in the rapidly expanding stablecoin market.

儘管有增長，但新的Stablecoin發行人仍有挑戰要克服。例如，諸如Tether之類的成熟參與者上個月處理了超過1310億美元的交易。相比之下，PayPal的Pyusd僅處理了1.63億美元。根據該報告，活動的這種差異突顯了Tether和Circle在迅速擴展的Stablecoin市場中所持有的大量潛在客戶。

Experts suggest that while stablecoins are beneficial in markets with high currency risk, their adoption in Western economies is still not certain. According to a report by the Financial Times, Standard Chartered is preparing to launch a Hong Kong dollar-backed stablecoin.

專家認為，儘管穩定幣在具有高貨幣風險的市場中是有益的，但他們在西方經濟體中的採用仍然不確定。根據《金融時報》的一份報告，《標準憲章》正準備推出一家香港美元支持的stablecoin。

To strengthen their positions, companies are making strategic acquisitions and partnerships. Last month, Stripe bought stablecoin platform Bridge for $1.1 billion. This was its largest acquisition ever.

為了加強自己的職位，公司正在建立戰略收購和合作夥伴關係。上個月，Stripe以11億美元的價格購買了Stablecoin平台橋樑。這是有史以來最大的收購。

Chief executive of Bank of America Brian Moynihan recently reacted to the Trump administration’s crypto plans. He noted that the bank will venture into the business if the government legalizes stablecoins. According to a recent report by BTC Today, Moynihan stated that Bank of America is capable of issuing its own stablecoin if the administration grants approval for banks to do so.

美國銀行首席執行官Brian Moynihan最近對特朗普政府的加密計劃做出了反應。他指出，如果政府合法化Stablecoins，銀行將冒險從事業務。根據BTC今天的最新報告，Moynihan表示，如果政府批准銀行這樣做，美國銀行能夠發行自己的Stablecoin。

Meanwhile, the European Union has put in place new compliance rules. The UK’s financial regulator is expected to issue guidance later this year.

同時，歐盟制定了新的合規規則。預計英國的金融監管機構將在今年晚些時候發布指導。

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