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Robinhood 和 Revolut 考慮推出穩定幣 隨著 Robinhood Markets 和 Revolut 等主要金融科技公司探索發行自己的穩定幣,隨著歐洲監管收緊,該行業即將面臨顛覆。
Fintech firms are considering issuing their own stablecoins as the regulatory landscape shifts and the market expands.
隨著監管環境的變化和市場的擴大,金融科技公司正在考慮發行自己的穩定幣。
Robinhood and Revolut are among the companies exploring the possibility of launching stablecoins, according to several sources with direct knowledge of the matter. The move comes amid growing interest in stablecoins, which are cryptocurrencies pegged to fiat currencies like the U.S. dollar, and a regulatory clampdown in the European Union.
根據幾位直接了解此事的消息人士透露,Robinhood 和 Revolut 是探索推出穩定幣可能性的公司之一。此舉是在人們對穩定幣(與美元等法定貨幣掛鉤的加密貨幣)日益濃厚的興趣以及歐盟的監管限制之際做出的。
While the sources cautioned that no final decisions have been made and the companies could still opt out of issuing stablecoins, the prospect of disrupting the market and countering the dominance of業者 Tether is a key consideration.
儘管消息人士警告說,尚未做出最終決定,並且公司仍可以選擇不發行穩定幣,但擾亂市場並對抗 Tether 主導地位的前景是一個關鍵考慮因素。
Tether's USDT stablecoin currently accounts for over two-thirds of the $170 billion stablecoin market, according to data from CoinGecko. This market is poised for further disruption as the EU prepares to roll out the Markets in Crypto-Assets (MiCA) regulation, which will introduce licensing requirements for stablecoin issuers.
根據 CoinGecko 的數據,Tether 的 USDT 穩定幣目前佔 1,700 億美元穩定幣市場的三分之二以上。隨著歐盟準備推出加密資產市場(MiCA)監管,該市場將受到進一步幹擾,該監管將對穩定幣發行人提出許可要求。
The Impact of European Union’s MiCA Regulations
歐盟 MiCA 法規的影響
The MiCA regulations will impose stringent requirements on stablecoin issuers, including the need for an electronic-money license and specific asset reserves held at independent banks. This framework aims to enhance transparency and stability within the crypto sector, but it could force non-compliant issuers like Tether to withdraw their tokens from EU-based exchanges.
MiCA 法規將對穩定幣發行人提出嚴格要求,包括需要電子貨幣許可證以及在獨立銀行持有特定資產儲備。該框架旨在提高加密貨幣領域的透明度和穩定性,但它可能會迫使 Tether 等不合規發行人從歐盟交易所撤回其代幣。
In anticipation of the upcoming regulatory shifts, several exchanges, including OKX, Uphold, and Bitstamp, have already delisted Tether's USDT. This move is intended to align with the changing regulatory landscape, رغم that it puts these platforms at a competitive disadvantage in terms of market coverage.
由於預計即將到來的監管變化,包括 OKX、Uphold 和 Bitstamp 在內的多家交易所已經下架了 Tether 的 USDT。此舉旨在適應不斷變化的監管環境,因為它使這些平台在市場覆蓋範圍方面處於競爭劣勢。
The profitability of stablecoins is also attracting new entrants to the market. As interest rates rise, Tether reported earning $5.2 billion in the first half of 2024, largely from the reserves backing USDT. This revenue stream has caught the attention of other fintech firms,促使 them to consider launching their own stablecoins to capitalize on the growing demand and financial returns.
穩定幣的獲利能力也吸引了新進入者。隨著利率上升,Tether 報告 2024 年上半年獲利 52 億美元,主要來自支持 USDT 的儲備。這種收入來源引起了其他金融科技公司的注意,促使他們考慮推出自己的穩定幣,以利用不斷增長的需求和財務回報。
Stablecoins are being increasingly used for payments, especially in regions facing economic instability. In countries like Brazil, Indonesia, and Turkey, almost half of crypto users purchase stablecoins to hedge against currency volatility, while others use them for day-to-day transactions and salaries.
穩定幣越來越多地用於支付,特別是在經濟不穩定的地區。在巴西、印尼和土耳其等國家,近一半的加密貨幣用戶購買穩定幣來對沖貨幣波動,而其他人則將其用於日常交易和工資。
As more companies enter the stablecoin market, a “hyper-fragmentation” scenario may emerge, with various financial apps and institutions issuing their own tokens. According to BitGo’s head of product, Nuri Chang, this could lead to a seamless user experience where switching between different stablecoins becomes almost unnoticeable to the end user.
隨著越來越多的公司進入穩定幣市場,可能會出現「超級碎片化」的情況,各種金融應用程式和機構都會發行自己的代幣。 BitGo 的產品主管 Nuri Chang 表示,這可能會帶來無縫的用戶體驗,最終用戶幾乎不會注意到不同穩定幣之間的切換。
However, the market is also likely to face competition from traditional financial institutions and mainstream brands that are eyeing the stablecoin space. PayPal, for example, launched its own stablecoin, though its circulation has since declined.
然而,市場也可能面臨來自傳統金融機構和關注穩定幣領域的主流品牌的競爭。例如,PayPal 推出了自己的穩定幣,儘管其發行量此後有所下降。
Meanwhile, companies like Societe Generale's SG-Forge are proactively obtaining EU licenses and expanding their stablecoin offerings, viewing the MiCA regulations as a catalyst for market transformation.
同時,法國興業銀行的 SG-Forge 等公司正在積極獲得歐盟許可證並擴大其穩定幣產品,將 MiCA 法規視為市場轉型的催化劑。
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