日本的第二大銀行SMFG準備推出一個Stablecoin平台

日本第二大銀行Sumitomo Mitsui金融集團（SMFG）準備與Ava Labs和Fireblocks合作推出Stablecoin平台。

Japan’s second-largest lender, Sumitomo Mitsui Financial Group Inc (SMFG), is launching a stablecoin platform with the assistance of Ava Labs and Fireblocks, both U.S. companies.

日本的第二大貸方Sumitomo Mitsui Financial Group Inc（SMFG）在美國兩家公司的Ava Labs和Fireblocks的協助下推出了Stablecoin平台。

Ava Labs is providing blockchain infrastructure for the project, while Fireblocks will be in charge of managing digital assets and transaction security systems.

AVA Labs正在為該項目提供區塊鏈基礎架構，而FireBlocks將負責管理數字資產和交易安全系統。

The initiative marks a significant step forward for Japan in integrating blockchain technology with its financial business.

該計劃標誌著日本在將區塊鏈技術與其金融業務相結合的重要一步。

Testing for the stablecoin platform is set to begin in the second half of 2025, with the aim of a full launch in 2026, Nikkei reports.

Nikkei報導說，對Stablecoin平台的測試將於2025年下半年開始，目的是在2026年全面發布。

SMFG Partners with U.S. Firms to Launch Fiat-Backed Stablecoin

SMFG與美國公司合作推出菲亞特支持的Stablecoin

Sumitomo Mitsui Financial Group Inc is joining forces with two leading U.S. companies in the sphere of blockchain and digital asset management to launch a stablecoin backed by fiat currency. This endeavor will see Ava Labs, a recognized innovator in distributed ledger development, and Fireblocks, a firm specializing in digital asset protection and transaction security systems, collaborate with SMFG.

Sumitomo Mitsui Financial Group Inc與兩家美國領先的公司在區塊鍊和數字資產管理領域聯合起來，以啟動以法定貨幣為支持的Stablecoin。這項工作將看到與SMFG合作的專門從事數字資產保護和交易安全系統的公司Ava Labs，這是分佈式分類帳開發中公認的創新者，而Fireblocks是一家專門從事數字資產保護和交易安全系統的公司。

Further technical support will be provided by TIS Inc., a Japanese IT company, to build the technical framework for the project.

日本IT公司Tis Inc.將提供進一步的技術支持，以建立該項目的技術框架。

The project will enter the testing phase with a demonstration experiment in late 2025. As part of this program, the bank will examine the efficiency of stablecoin transactions for inter-company payments and assess whether they meet the market need.

該項目將在2025年末通過示範實驗進入測試階段。作為該計劃的一部分，銀行將研究Stablecoin交易的效率，以進行公司間付款，並評估它們是否滿足市場需求。

Upon successful completion of this initiative, which is anticipated to transpire in 2026, SMFG aims to officially release its stablecoin.

在成功完成該倡議（預計將在2026年爆發）後，SMFG的目標是正式釋放其穩定的人。

Japan Moves Toward Advanced Financial System

日本轉向高級金融體系

In a significant move toward advanced financial system regulations, Japan is taking decisive action in the stablecoin sector. Circle, the issuer of USDC, has become the first international stablecoin company to receive approval for its operations in Japan as a stablecoin provider.

在朝著高級金融體係法規邁出的重大行動中，日本正在穩定行業採取果斷行動。 USDC的發行人Circle已成為第一家因在日本作為Stablecoin提供商在日本運營而獲得批准的國際Stablecoin公司。

This regulatory achievement showcases Japan’s commitment to establishing professional digital currency frameworks that prioritize security. With this approval, the door is now open for additional companies to launch their projects as the country expands its stablecoin market.

這項監管成就展示了日本對確定優先級安全的專業數字貨幣框架的承諾。經批准，隨著該國擴大其Stablecoin市場的擴大，該公司現在可以為其他公司開放其項目。

The Japanese government is continually updating regulatory rules to provide greater options for stablecoin operators. Previously, stablecoins in Japan could only derive their value from demand deposits. However, a recent proposal in February proposes that issuers can use short-term government bonds and fixed-term deposits in addition to demand deposits as the collateral asset base for their stablecoins. This modification would render the stablecoins even more dependable while providing issuers with increased capability to manage their reserve assets.

日本政府正在不斷更新監管規則，以為Stablecoin運營商提供更多選擇。以前，日本的Stablecoins只能從需求存款中獲得其價值。但是，2月份的一項最新提案建議發行人可以使用短期政府債券和定期存款，而要求存款作為其穩定的抵押品資產基礎。這種修改將使Stablecoins更加可靠，同時為發行人提供了管理其儲備資產的能力。

Stablecoins to Boost Transaction Efficiency and Lower Costs in Japan

穩定幣以提高交易效率和降低日本的成本

Despite these positive changes, Japanese regulatory bodies have also implemented specific rules to safeguard the financial stability of the market. The maximum allowed distribution for stablecoin reserve funds by issuers is 50% in government bonds or fixed-term deposits. These restrictive banking limits are set to maintain market confidence and ensure proper supervision of stablecoins for financial security.

儘管發生了這些積極的變化，但日本監管機構還實施了特定的規則，以維護市場的財務穩定性。發行人的Stablecoin儲備金資金的最大分配為政府債券或定期存款中的最大分配。這些限制性的銀行業務限制旨在保持市場信心，並確保對穩定的金融安全進行適當的監督。

As Japan's regulatory framework for cryptocurrencies continues to evolve, the country is reaping the benefits of innovation in stablecoin technology. The implementation of stablecoins would significantly enhance transaction efficiency, rendering it more beneficial for businesses and individuals.

隨著日本加密貨幣的監管框架不斷發展，該國正在從Stablecoin技術中獲得創新的好處。 Stablecoins的實施將大大提高交易效率，從而對企業和個人更有益。

These assets are capable of reducing the fees for transactions to a level lower than current banking costs. Another main advantage of blockchain transactions is the superior security they provide, which in turn ensures the transparency of transactions, rendering them tamper-proof. The promise of substantial advantages is luring international banking organizations to Japan, establishing the country as a prime location for the controlled use of digital assets.

這些資產能夠將交易費用降低到低於當前銀行成本的水平。區塊鏈交易的另一個主要優點是它們提供的出色安全性，從而確保了交易的透明度，從而使它們防篡改。具有重大優勢的承諾是將國際銀行組織誘使日本，將該國確立為受控使用數字資產的主要地點。

As SMFG prepares to launch its stablecoin platform in the second half of 2025, the country is making notable progress in merging blockchain technology with its financial business infrastructure.

當SMFG準備在2025年下半年啟動其Stablecoin平台時，該國在將區塊鏈技術與金融業務基礎設施合併方面取得了顯著進展。