全球銀行巨頭加速佈局穩定幣市場

隨著 Tether 準備宣布 2024 年利潤突破 100 億美元，創歷史新高，全球銀行巨頭正在加速佈局穩定幣市場。

As Tether prepares to announce record profits exceeding $10 billion for 2024, global banking institutions are accelerating their positioning in the stablecoin market. From Société Générale to Deutsche Bank, traditional financial giants are multiplying initiatives to not miss this crypto revolution.

隨著 Tether 準備宣布 2024 年利潤突破 100 億美元，創歷史新高，全球銀行機構正在加速佈局穩定幣市場。從法國興業銀行到德意志銀行，傳統金融巨頭正在採取多種舉措，以免錯過這場加密革命。

Banks at the Forefront of Stablecoin Innovation

銀行處於穩定幣創新的前沿

The meteoric success of Tether Holdings in 2024 does not go unnoticed. By recording net profits exceeding $10 billion, Tether, issuer of the USDT stablecoin, has become an essential player in the crypto ecosystem.

Tether Holdings 在 2024 年的快速成功並沒有被忽視。 USDT 穩定幣發行商 Tether 淨利潤超過 100 億美元，已成為加密生態系統中重要的參與者。

In light of these performances, many banks, particularly in Europe and Asia, are actively preparing their entry into the stablecoin market.

鑑於這些表現，許多銀行，特別是歐洲和亞洲的銀行，正在積極準備進入穩定幣市場。

In Europe, ambitious initiatives are emerging. Société Générale, through its subsidiary SG-Forge, has launched a stablecoin backed by the euro, now accessible to individual investors.

在歐洲，雄心勃勃的措施正在湧現。法國興業銀行透過其子公司 SG-Forge 推出了一種由歐元支持的穩定幣，現已向個人投資者開放。

In Germany, Oddo BHF bank is developing a stablecoin, while the British Revolut is considering a similar project. DWS, a subsidiary of Deutsche Bank, also plans to launch in 2025, just like BBVA in Spain, which is collaborating with Visa on a pilot project.

在德國，Oddo BHF 銀行正在開發一種穩定幣，而英國 Revolut 正在考慮類似的項目。德意志銀行子公司 DWS 也計劃於 2025 年推出，就像西班牙的 BBVA 正在與 Visa 合作進行試點計畫一樣。

In Asia, the enthusiasm is equally palpable. A consortium led by Standard Chartered is testing a stablecoin pegged to the Hong Kong dollar. This dynamic reflects a growing adoption and a desire to meet the needs of the global market.

在亞洲，人們的熱情同樣明顯。由渣打銀行主導的一個財團正在測試一種與港幣掛鉤的穩定幣。這種動態反映出越來越多的採用以及滿足全球市場需求的渴望。

A Global Expansion Marked by Regulatory Challenges

以監管挑戰為標誌的全球擴張

In the United States, despite a marked interest in stablecoins, major banks are taking a more cautious approach, conditioned by the evolution of the regulatory framework. JPMorgan Chase, a pioneer with its JPM Coin token, now envisions a coexistence between traditional stablecoins and its own deposit tokens.

在美國，儘管人們對穩定幣表現出濃厚的興趣，但受監管框架演變的影響，各大銀行正在採取更謹慎的態度。摩根大通是 JPM Coin 代幣的先驅，現在設想傳統穩定幣和自己的存款代幣之間能夠共存。

According to Naveen Mallela of Kinexys, the bank’s digital asset unit, stablecoins issued by banking institutions will become commonplace within three years.

該銀行數位資產部門 Kinexys 的 Naveen Mallela 表示，銀行機構發行的穩定幣將在三年內變得司空見慣。

The necessary technological infrastructure is gradually taking shape, particularly with Visa’s tokenization network planned for 2025. Cuy Sheffield, head of Visa’s crypto division, highlights a growing demand coming from Asian and South American financial institutions.

必要的技術基礎設施正在逐漸形成，特別是計劃於 2025 年推出 Visa 代幣化網路。

However, concerns remain. The ECB warns of potential risks to financial stability, notably the possible erosion of traditional bank deposits. In the United States, questions regarding the nature of reserves backing stablecoins and their insurance coverage remain unresolved.

然而，擔憂依然存在。歐洲央行警告金融穩定有潛在風險，特別是傳統銀行存款可能受到侵蝕。在美國，有關支持穩定幣的儲備的性質及其保險範圍的問題仍未解決。

In summary, the enthusiasm of traditional banks for stablecoins, catalyzed by the resounding success of Tether, marks a decisive turning point in the evolution of the global financial system. Nevertheless, the success of this transition will largely depend on the regulators’ capacity to establish a clear and balanced framework, permitting innovation while ensuring financial stability.

總而言之，在 Tether 的巨大成功催化下，傳統銀行對穩定幣的熱情標誌著全球金融體系演變的決定性轉折點。然而，這項轉型的成功將在很大程度上取決於監管機構建立清晰、平衡框架的能力，從而在確保金融穩定的同時允許創新。

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Passionate about Bitcoin, I like to explore the ins and outs of blockchain and cryptos and I share my discoveries with the community. My dream is to live in a world where privacy and financial freedom are guaranteed for all, and I firmly believe that Bitcoin is the tool that can make this possible.

我對比特幣充滿熱情，喜歡探索區塊鏈和加密貨幣的細節，並與社群分享我的發現。我的夢想是生活在一個所有人的隱私和財務自由得到保障的世界，我堅信比特幣是實現這一目標的工具。