Circle欲與超級基金合作推出澳元穩定幣

卡內基先生 – 前商業銀行家，創立了卡內基威利 (Carnegie Wylie)

Mr Carnegie, a former merchant banker, established Carnegie Wylie.

卡內基先生曾是一名商業銀行家，他創立了 Carnegie Wylie。

At the same time, he hopes to persuade large superannuation funds to consider alternative payment technologies, something he admits might be a hard sell. But Mr Carnegie said global banks make $170 billion from investors and companies for moving international payments over the Swift network, which could mean big savings.

同時，他希望說服大型退休基金考慮替代支付技術，他承認這可能很難推銷。但卡內基先生表示，全球銀行透過 Swift 網路進行國際支付從投資者和公司獲得了 1,700 億美元的收入，這可能意味著巨額節省。

“I have always thought a natural partner for us is a super fund. They’re trying to attack Australian banking system profit pools. And when I look at [traditional finance], we can take rapacious trading fees out of the system,” Mr Carnegie said.

「我一直認為超級基金是我們天然的合作夥伴。他們正試圖攻擊澳洲銀行體系的利潤池。當我審視[傳統金融]時，我們可以將貪婪的交易費用從系統中剔除，」卡內基先生說。

“I’m hoping we can show there are hundreds of millions of dollars of forex [foreign exchange] trading fees, where super funds are getting their faces ripped off by Macquarie Bank and the other incumbent banks.”

“我希望我們能夠證明有數億美元的外匯交易費用，超級基金正在被麥格理銀行和其他現有銀行撕破臉皮。”

USD Coin is a so-called stablecoin, a cryptocurrency that is designed to have a stable price because it is linked to a fiat currency. USDC is backed by cash and short-term government debt, held in banks and redeemable one-for-one for US dollars. The company wants the United States to introduce specific laws to regulate its use.

美元硬幣是一種所謂的穩定幣，是一種因與法定貨幣掛鉤而具有穩定價格的加密貨幣。 USDC 以現金和短期政府債務為後盾，存放在銀行，可一對一兌換為美元。該公司希望美國出台具體法律來規範其使用。

The $US36 billion of USDC in circulation is down from a peak above $US56 billion in mid-2022, before the collapse of FTX led to investors exiting the cryptocurrency market. Separately, the value of USD Coin fell below its US dollar peg when Circle said it had $US3.3 billion tied up in the collapsed Silicon Valley Bank last year.

流通中的 USDC 價值 360 億美元，較 2022 年中期 FTX 崩盤導致投資者退出加密貨幣市場之前超過 560 億美元的峰值有所下降。另外，當 Circle 去年表示在倒閉的矽谷銀行持有 33 億美元資金時，美元硬幣的價值跌破了與美元掛鉤的匯率。

It recovered to parity with the US dollar only a week later.

僅一周後，它就恢復到與美元平價。

Earlier this month, the Reserve Bank said it is exploring a central bank digital currency (CBDC) version of the Australian dollar that could help banks settle trades that use blockchain technology to save billions in back-office efficiencies. ANZ and Commonwealth Bank told The Australian Financial Review Crypto and Digital Asset Summit last week that they were also exploring forms of digital money, including “tokenised” deposits.

本月早些時候，澳洲儲備銀行表示正在探索澳元的央行數位貨幣（CBDC）版本，該版本可以幫助銀行使用區塊鏈技術結算交易，從而節省數十億美元的後台效率。澳新銀行和聯邦銀行上週在澳洲金融評論加密貨幣和數位資產高峰會上表示，他們也在探索數位貨幣的形式，包括「代幣化」存款。

However, Circle’s chief business officer Kash Razzaghi said bank digital money was different to USD Coin, “which was founded on a belief about open platforms, like what the internet did for content, by making it ubiquitous with costs close to zero”.

然而，Circle 首席商務官Kash Razzaghi 表示，銀行數位貨幣與美元硬幣不同，「美元硬幣是建立在對開放平台的信念之上的，就像互聯網對內容的作用一樣，透過使其無處不在，成本接近零」。

He questioned whether banks would ever introduce a new form of money that would make it easier for deposits to leave a bank, given these are critical funding sources. It may also be more difficult for those cryptocurrencies to interact, he added.

他質疑銀行是否會引入一種新的貨幣形式，使存款更容易離開銀行，因為這些都是重要的資金來源。他補充說，這些加密貨幣的互動可能也更加困難。

“We are making a bet that money moves on the [block]chain, but tokenised deposits and CBDCs are, generally speaking, closed-loop systems. Bank customers can take advantage, but what if your Hotmail didn’t talk to Gmail, so you couldn’t send emails across providers?”

「我們打賭資金在[區塊]鏈上流動，但代幣化存款和 CBDC 一般來說是閉環系統。銀行客戶可以利用這一點，但如果您的 Hotmail 不與 Gmail 通信，因此您無法跨提供商發送電子郵件怎麼辦？

MHC Digital and Circle may work together to create an Australian dollar stablecoin in the future, which could compete with existing smaller digital currencies.

MHC Digital 和 Circle 未來可能會合作創建澳元穩定幣，與現有的小型數位貨幣競爭。

“Is [USD Coin] the end state of how crypto stablecoins will work for Australia? No, it’s not,” Mr Carnegie said. “But USDC could persist for a decade given the slow speed of regulation. And we want to be ahead of the curve when regulators do embrace this technology, as we see crypto is a vastly better mousetrap for international payments.”

「[USD Coin] 是加密穩定幣在澳洲發揮作用的最終狀態嗎？不，事實並非如此，」卡內基先生說。 「但鑑於監管速度緩慢，USDC 可能會持續十年。當監管機構真正採用這項技術時，我們希望走在前面，因為我們認為加密貨幣對於國際支付來說是一個更好的陷阱。