“ Doge”如何改變世界銀行業務 - 符合“ Doge”的數字資產的興起

在過去的幾年中，數字資產的速度和透明度的興起越來越多地滲透到全球金融體系和

Over the last few years, digital assets have increasingly permeated the global financial system and economies in many jurisdictions. Their speed and transparency have made them a natural fit for the 21st-century economy. Recent events have brought the US government's focus on efficiency, DOGE, to the forefront, turning its full attention to the US Department of Treasury and its central bank, the Federal Reserve System.

在過去的幾年中，數字資產越來越多地滲透到許多司法管轄區的全球金融體系和經濟體中。他們的速度和透明度使它們自然適合21世紀的經濟。最近的事件使美國政府對效率，總督，最前沿的關注，將其全部關注轉移到美國財政部及其中央銀行美聯儲系統。

Over a decade ago, the rise of Bitcoin as a speculative instrument with an innovative non-inflationary value, coupled with its transparent ability to move with minimal cost value anywhere and anytime at the push of a button, gave the banking and financial industry its first insight into how it would be transformed into DOGE compliant banking. Fast forward ten years, the USDC stablecoin (backed by Goldman Sach, BlackRock and Fidelity) has a yearly transaction volume of 18 Trillion US Dollars. Furthermore, SWIFT Data reveals that the US Dollar is fast displacing the second largest currency, the Euro, in all transactions world-wide © Statista 2025. A sudden ‘de-Euroization’ is happening and unfortunately Europeans seem increasingly impotent to arrest the Euro’s slump — the fall in use can be possibly attributed to expansion of the US economy relative to Europeans, or the increasing adoption of the US stablecoins as the global exchange medium.

十多年前，比特幣作為具有創新性非通向價值的投機工具的興起，再加上其透明的能力，可以在一個按鈕時在任何地方和任何時間以最小的成本價值移動，並為銀行業和金融行業提供了第一個深入了解如何將其轉變為符合Doge的銀行業務。快進了十年，USDC Stablecoin（由高盛，貝萊德（Blackrock）和富達（Fidelity）支持）年度交易量為18萬億美元。此外，Swift數據表明，美元在全球範圍內所有交易中的第二大貨幣（歐元）迅速取代©Statista 2025。 - 使用的下跌可能歸因於美國經濟相對於歐洲人的擴大，或者越來越多地採用美國穩定劑作為全球交換媒體。

What’s happened to the EURO portends the same for other global currencies:

歐元發生的事情對其他全球貨幣的預期也相同：

The Great Britain Pound (GBP) is following the same trajectory as the Euro. As the rise of USD stablecoins are increasing through positive US banking legislation and resulting legacy US bank adoption, the natural effect is the use of GBP in the UK is being diminished and supplanted by the use of USD stablecoins. According to a recent analysis of Ethereum node deployment (one of the largest USDC networks) by ethernodes.org and assuming an equal usage distribution for USDC, this would indicate the UK represents a potential exposure to 4 percent use of the recent $18 trillion of USDC worldwide yearly transactions — notwithstanding the complicated and subjective algebraic analyses employed to calculate USDC usage.

大不列顛磅（GBP）遵循與歐元相同的軌跡。隨著美國銀行立法的積極立法和導緻美國銀行採用的遺產的興起的增加，自然而然的效果是在英國使用GBP的使用被減少並取代了使用美元的Stablecoins。根據最近對以太坊節點部署（USDC網絡最大的網絡之一）的分析，並假設USDC的使用均等分佈，這將表明英國在最近的18億美元使用USDC的近期使用中可能暴露於4％的使用率。全球年度交易 - 儘管用於計算USDC使用的複雜和主觀代數分析。

To put this in perspective, an equivalent of 23 percent of the UK’s GDP (£2.53 trillion) is using USDC in transactions. Consequently, this has a significant deleterious impact on UK monetary and fiscal policies. Furthermore, to compound the sense of evitability, the major competitor to USDC, Tether is significantly larger (double the size) and in no doubt adding to the effect more than USDC.

考慮到這一點，相當於英國GDP的23％（2.53萬億英鎊）在交易中使用了USDC。因此，這對英國的貨幣和財政政策產生了重大有害影響。此外，為了使USDC的主要競爭對手更加複雜，Tether明顯更大（尺寸兩倍），並且毫無疑問，效果比USDC更大。

The UK economy is increasingly choosing not to use GBP currency in its transactions, and it has instead chosen to use the more efficient, transparent, digital asset ‘stores of value’ of US stablecoins, a voluntary adoption of DOGE compliant assets:

英國經濟越來越多地選擇不在其交易中使用GBP貨幣，而是選擇使用美國穩定幣的效率更高，透明，數字資產的“價值存儲”，這是自願採用Doge合規資產的：

US stablecoins are having an outsize effect on smaller economies. Because of the US economy’s size compared to other smaller ones, the practicable advantage of using US stablecoins is too overwhelming for local and international businesses to disregard. Like many other developed countries’ banking systems, the UK banking industry is fast approaching the point of no return. Using the current USDC yearly growth rate of 50 percent, the UK will potentially pass the 50 percent mark of an equivalent of its GDP being conducted in USD stablecoins in just 24 months.

美國穩定者對較小的經濟體產生了極大的影響。由於與其他較小較小的經濟相比，美國經濟規模的規模，使用美國穩定的可行優勢對於本地和國際企業而言，無法無視。像許多其他發達國家的銀行系統一樣，英國銀行業正在迅速接近無回報的地步。使用當前的USDC年度增長率為50％，英國將在短短24個月內在USD Stablecoins進行的GDP的50％標記。

It is not just the US that is assessing the impact and benefits of digital money. In a recent speech at the University of Chicago Booth School of Business in London, the Governor of the Bank of England, Andrew Baily, said: “I think the question is how do we get the benefits of digital technology in the world of payments. If we were to assume there are no benefits of digital technology in the world of payments, we would probably be failing the test of imagination,” using the analogy of when Apple introduced the iPhone. Apple surveyed potential customers, asking whether they would like a phone with certain characteristics, and most respondents said, “no — that’s a failure of imagination”.

評估數字資金的影響和好處的不僅是美國。英格蘭銀行州長安德魯·貝利（Andrew Baily）在倫敦芝加哥大學商學院的最近演講中說：“我認為問題是我們如何在付款領域獲得數字技術的好處。如果我們假設在付款領域沒有數字技術對數字技術沒有好處，那麼我們可能會失敗的想像力考驗。蘋果對潛在客戶進行了調查，詢問他們是否想要具有某些特徵的電話，大多數受訪者說：“不，這是一個想像力的失敗”。

Meanwhile in Europe, Nordea’s Chief Digital Currency Strategist, Ville Sointu, claims that: “20 major eurozone banks are currently assessing the financial impact of this sweeping change, which would require updates to everything from ATMs to mobile banking apps by the end of the decade.”

與此同時，在歐洲，Nordea的首席數字貨幣策略師Ville Sointu聲稱：“ 20個主要的歐元區銀行目前正在評估這一全面變化的財務影響，這將需要在十年結束時對從ATMS到移動銀行應用程序的所有內容進行更新。”

Increasingly, users and customers are making their own choices to which ‘money’ to use for storing value and in their transactions. The relatively ‘few’ governments and legacy banks are only now recognising future transactions will increasingly have little to do with them in their current form. Banks are, however, still needed for ‘trust’ and ‘verification’ (‘on-boarding’ of assets and customers as well as the ‘off-ramps’ when value is exchanged back into the legacy economy). To remain relevant (and to be able to collect taxes and fees in this new digital, asset-based, AI enabled, title economy), banks need to embrace the new technologies and payment alternatives and their core value propositions.

用戶和客戶越來越多地做出自己的選擇，用於存儲價值和交易中的“金錢”。相對“少數”的政府和傳統銀行現在才意識到未來的交易將與當前形式無關。但是，銀行仍然需要“信任”和“驗證”（資產和客戶的“登機”以及當價值恢復到傳統經濟中時的“外坡道”）。為了保持相關性（並能夠在這款新的數字，基於資產的AI啟用，產權經濟的新技術中收取稅收和費用），銀行需要接受新技術和付款替代方案及其核心價值主張。