Coinbase首席執行官Brian Armstrong希望美國法律改變，以便Stablecoin持有人可以贏得利息

他認為，穩定幣應像銀行帳戶一樣工作，那裡的儲備金的利息直接向用戶提供。

Coinbase CEO Brian Armstrong wants U.S. laws to change so that stablecoin holders can earn interest. He believes that stablecoins should work like bank accounts, where interest from reserve assets is given directly to users. Right now, stablecoin issuers obtain interest from U.S. Treasury investments they maintain the funds solely for their benefit. According to Armstrong, the situation is ethically unjust since users should get financial benefits from their stablecoin holdings.

Coinbase首席執行官Brian Armstrong希望美國法律改變，以便Stablecoin持有人能夠贏得利息。他認為，穩定幣應像銀行帳戶一樣工作，那裡的儲備金的利息直接向用戶提供。目前，Stablecoin發行人從美國財政投資中獲得利息，他們僅僅為了他們的利益而維護資金。根據阿姆斯特朗（Armstrong）的說法，這種情況在道德上是不公正的，因為用戶應該從其穩定的股份中獲得經濟利益。

Stablecoin Holders Could Earn Interest Under Proposed Regulation

Stablecoin持有人可以根據擬議的法規賺取利息

He explained his views on X, saying stablecoins have already become popular by digitizing the U.S. dollar. However, stablecoins do not allow their users to earn interest as their major limitation. Every USDC stablecoin unit contains a dollar value that stablecoin issuers keep in specific safe investments such as U.S. Treasury bonds. When the law permits it, users will get an opportunity to earn interest from their stablecoin holdings, similarly to how savings accounts function.

他解釋了他對X的看法，稱Stablecoins已經通過數字化美元來流行。但是，Stablecoins不允許其用戶獲得利息作為主要限制。每個USDC Stablecoin單位都包含一個美元價值，Stablecoin發行人將其保留在特定的安全投資中，例如美國財政債券。當法律允許時，用戶將有機會從他們的Stablecoin持股中賺取利息，這與儲蓄帳戶的運作方式類似。

Armstrong suggests that introducing interest on digital currency would benefit multiple users. Financial institution savings accounts in the United States provide minimal interest rates ranging between 0.01% and 0.01%. U.S. Treasury bonds provide investors with returns exceeding 4% at present.

阿姆斯特朗（Armstrong）建議，引入對數字貨幣的興趣將使多個用戶受益。美國的金融機構儲蓄賬戶提供的利率最低在0.01％至0.01％之間。美國國庫券目前為投資者提供超過4％的回報。

Meanwhile, low-interest savings accounts become less effective through inflation since money suffers decreased purchasing power over time. Users can earn more substantial interest rates by holding stablecoins, which allows them to develop their savings more rapidly.

同時，由於資金隨著時間的推移而損害購買力的降低，因此低利息儲蓄帳戶的效率降低了。用戶可以通過持有Stablecoins來賺取更大的利率，這使他們能夠更快地開發儲蓄。

The adoption of this system would provide financial advantages to citizens residing in developing nations. People across numerous nations lack both bank institutions and dependable financial tender. According to Armstrong, stablecoins would provide users with safe money storage together with interest-earning capabilities, which do not require bank access. Financial services normally inaccessible would be available through any internet connection, allowing people to seek these services.

該系統的採用將為居住在發展中國家的公民提供財務優勢。眾多國家的人們都缺乏銀行機構和可靠的財務招標。根據阿姆斯特朗的說法，Stablecoins將為用戶提供安全的貨幣存儲以及賺取賺錢的能力，這些功能不需要銀行訪問。通常無法通過任何互聯網連接獲得金融服務，使人們可以尋求這些服務。

Stablecoins Could Revolutionize Banking with Interest

Stablecoins可能會以興趣徹底改變銀行業務

The modifications proposed for the economy would benefit the U.S. economy as a whole. The existing U.S. Treasury bond holdings managed by stablecoin issuers exceed those of certain national governments. An interest-bearing stablecoin system would drive worldwide dollar demand up because users would prefer this solution over other payment methods. The additional funds held by people would drive both consumption and savings, and investment activities toward economic expansion.

為經濟提出的修改將使整個美國經濟有利。由Stablecoin發行人管理的現有美國財政債券持有量超過了某些國家政府的持股。承擔利息的穩定係統將推動全球美元需求，因為用戶更喜歡這種解決方案，而不是其他付款方式。人們持有的額外資金將推動消費和儲蓄，以及用於經濟擴張的投資活動。

However, the existing laws prevent such transactions from taking place. Security regulations prevent stablecoin issuers from giving any interest benefits to their customers because of the existing laws. According to Armstrong, the existing rules regarding stablecoins need an update because they restrict their operation like regular savings accounts do.

但是，現有的法律阻止了此類交易進行。安全法規阻止了由於現有法律，確定性發行人無法向其客戶提供任何利息福利。根據阿姆斯特朗（Armstrong）的說法，有關Stablecoins的現有規則需要更新，因為它們像常規儲蓄帳戶一樣限制了運營。

President Donald Trump asked Congress to establish stablecoin regulations during his recent remarks. He stated in March that stablecoins have the potential to strengthen the global position of the U.S. dollar. The banking system faces criticism from him regarding its challenging policies that affect both cryptocurrency operations and their respective customers. The moment is ideal, according to Armstrong, for the government to step forward.

唐納德·特朗普（Donald Trump）總統在最近的講話中要求國會制定Stablecoin法規。他在3月說，Stablecoins有可能加強美元的全球地位。銀行系統面臨著他對影響加密貨幣運營及其各自客戶的具有挑戰性政策的批評。根據阿姆斯特朗的說法，這一時刻是理想的，供政府向前邁進。

Stablecoins have the potential to offer financial benefits currently provided by bank accounts once new laws are approved by the government. No intermediaries would claim interest payments because users could receive them personally. The financial system would get better for everyone in Armstrong’s vision as stablecoins would emerge as true alternatives to traditional banking services.

一旦政府批准了新法律，Stablecoins有可能提供銀行帳戶目前提供的財務福利。沒有中介機構會要求支付利息，因為用戶可以親自收到他們。由於Stablecoins將成為傳統銀行服務的真正替代品，金融體係將對阿姆斯特朗的願景中的每個人都變得更好。