Ripple Labs 的新穩定幣正式成為現實，而 Tether 正在投資能夠清除 Tether 認為難以克服的合規障礙的公司

繼 4 月 Ripple 宣布其意圖後，12 月 17 日，Ripple 正式推出了新的以美元計價的穩定幣 RLUSD。

Stablecoin Headline News for December: RLUSD Launches, Tether Invests in StablR, and More

12 月穩定幣頭條新聞：RLUSD 推出、Tether 投資 StablR 等

As 2024 draws to a close, here's a quick rundown of the latest stablecoin headlines.

2024 年即將結束，以下是最新穩定幣頭條新聞的簡要概述。

Ripple Launches RLUSD Stablecoin, Picks NYDFS as Regulator

Ripple 推出 RLUSD 穩定幣，選擇 NYDFS 作為監管機構

On December 17, Ripple formally launched RLUSD, its new U.S. dollar-denominated stablecoin, following Ripple’s declaration of its intentions in April. The New York Department of Financial Services (NYDFS) officially added RLUSD to its Greenlist of approved coins alongside BTC, ETH, and stablecoins issued by Gemini, Paxos Trust, and PayPal (NASDAQ: PYPL).

繼 4 月 Ripple 宣布其意圖後，12 月 17 日，Ripple 正式推出了新的以美元計價的穩定幣 RLUSD。紐約金融服務部 (NYDFS) 正式將 RLUSD 與 BTC、ETH 以及 Gemini、Paxos Trust 和 PayPal（納斯達克股票代碼：PYPL）發行的穩定幣一起添加到其批准代幣綠名單中。

Ripple said RLUSD is being issued on both the Ethereum network and Ripple’s own XRP Ledger, and will be “initially available on Uphold, Bitso, MoonPay, Archax, and CoinMENA, with additional listings on platforms such as Bullish, Bitstamp, Mercado Bitcoin, Independent Reserve, Zero Hash and others expected in the coming weeks.”

Ripple 表示，RLUSD 正在以太坊網路和 Ripple 自己的 XRP Ledger 上發行，並且「最初將在 Uphold、Bitso、MoonPay、Archax 和 CoinMENA 上提供，並在 Bullish、Bitstamp、Mercado Bitcoin、Independent 等平台上上市」 Reserve 、零哈希等預計將在未來幾週內推出。

Notably absent from the above list are prominent U.S. exchanges Coinbase (NASDAQ: COIN), Kraken, and Gemini, which may or may not have qualms about listing competitors to their preferred stablecoins, including Circle’s USDC, which is issued via a Coinbase partnership, and Tether’s USDT.

值得注意的是，上述名單中沒有出現美國知名交易所Coinbase（納斯達克股票代碼：COIN）、Kraken 和Gemini，它們可能會對將競爭對手列入其首選穩定幣感到不安，也可能不會，其中包括透過Coinbase 合作夥伴發行的Circle 的USDC，以及Tether 的 USDT。

Ripple CEO Brad Garlinghouse stated that his company picking NYDFS as its stablecoin regulator was “a deliberate choice” given the generally unforgiving reputation that NYDFS holds following years of enforcement actions against crypto firms.

Ripple 執行長 Brad Garlinghouse 表示，鑑於NYDFS 在多年針對加密貨幣公司採取執法行動後普遍享有不可原諒的聲譽，該公司選擇NYDFS 作為其穩定幣監管機構是「經過深思熟慮的選擇」。

These actions included ordering Paxos to distance itself from the Binance exchange, with which Paxos had partnered on the BUSD stablecoin. Binance had gone rogue by issuing a ‘pegged’ version of BUSD while neglecting to maintain adequate fiat reserves to ensure each of these pegged-BUSD’s was backed 1:1 with U.S. dollars.

這些行動包括命令 Paxos 與 Binance 交易所保持距離，Paxos 曾與該交易所合作開發 BUSD 穩定幣。幣安發行了「錨定」版本的 BUSD，卻忽視了維持足夠的法定儲備以確保這些錨定的 BUSD 均以 1:1 的美元比例支持，從而變得無賴。

Garlinghouse said the NYDFS stamp of approval would help position RLUSD to take advantage of the increased acceptance that stablecoins are expected to enjoy under Donald Trump’s second term as U.S. president. Trump has vowed to loosen regulatory constraints on all things’ crypto,’ including installing a friendlier chairman at the Securities and Exchange Commission (SEC), with which Ripple remains locked in litigation.

Garlinghouse 表示，NYDFS 的批准將有助於 RLUSD 充分利用在唐納德·川普擔任美國總統的第二個任期內人們對穩定幣的接受度的提高。川普發誓要放鬆對所有「加密貨幣」的監管限制，包括在美國證券交易委員會（SEC）任命一位更友善的主席，而 Ripple 仍與該委員會陷入訴訟。

“We believe that having a stablecoin that is fully regulated, fully transparent, and fully liquid will be a key component of that,” Garlinghouse said during a December 16 press briefing.

加林豪斯在 12 月 16 日的新聞發布會上表示：“我們相信，擁有一種完全受監管、完全透明和完全流動的穩定幣將是其中的關鍵組成部分。”

“We are very excited about the opportunities that lie ahead for RLUSD and the broader stablecoin market in 2024 and beyond.”

“我們對 2024 年及以後 RLUSD 和更廣泛的穩定幣市場面臨的機會感到非常興奮。”

Ripple has pledged that RLUSD will be “fully backed by U.S. dollar deposits, U.S. government bonds, and cash equivalents.” Ripple will also publish “monthly, third-party attestations of RLUSD’s reserve assets, conducted by an independent auditing firm.”

Ripple 承諾 RLUSD 將「得到美元存款、美國政府債券和現金等價物的充分支持」。 Ripple 也將發布「由獨立審計公司每月對 RLUSD 儲備資產進行的第三方證明」。

In addition to launching RLUSD, Ripple also announced the addition of two more members to its stablecoin advisory board: Raghuram Rajan, former governor of the Reserve Bank of India, and Kenneth Montgomery, former VP/COO of the Federal Reserve Bank of Boston.

除了推出 RLUSD 之外，Ripple 還宣布其穩定幣顧問委員會再增加兩名成員：印度儲備銀行前行長 Raghuram Rajan 和波士頓聯邦儲備銀行前副總裁/首席營運官 Kenneth Montgomery。

Rajan and Montgomery join Sheila Bair (ex-chair of the Federal Deposit Insurance Corporation), David Puth (vice-chair of Partners Capital and ex-CEO of the defunct Centre Consortium), and Ripple co-founder Chris Larsen on the advisory board.

Rajan 和 Montgomery 加入了 Sheila Bair（聯邦存款保險公司前主席）、David Puth（Partners Capital 副主席、已解散的 Center Consortium 前執行長）以及 Ripple 聯合創始人 Chris Larsen 的顧問委員會。

‘Please Don’t FOMO Into a Stablecoin’

“請不要因 FOMO 而購買穩定幣”

Ripple's RLUSD announcement sparked a surge in the value of the company’s mainstay XRP token, which topped $2.70 at one point—a high not seen since January 2018—although it has since surrendered some of those gains.

Ripple 的 RLUSD 公告引發了該公司支柱 XRP 代幣的價值飆升，一度突破 2.70 美元——這是自 2018 年 1 月以來的最高水平——儘管此後它已經放棄了部分漲幅。

Stranger still, some overexcited Ripple fans were bidding ridiculous sums in an apparent bid to get their hands on the first RLUSD tokens to come down the chute. At one point, someone appeared willing to pay the equivalent of US$1,200 to acquire a fraction of a single RLUSD, either unaware of or unconcerned by the fact that one RLUSD is worth one U.S. dollar.

更奇怪的是，一些過度興奮的 Ripple 粉絲出價高得離譜，顯然是為了獲得第一批 RLUSD 代幣。一度，有人似乎願意支付相當於 1,200 美元的價格來購買單一 RLUSD 的一小部分，但他們要么不知道，要么不關心 1 個 RLUSD 值 1 美元的事實。

Ripple CTO David Schwarz sought to calm the waters by warning that, while “there may be supply shortages [of RLUSD] in the very early days … the price will come back to very close to $1 as soon as supply stabilizes.”

Ripple 首席技術官 David Schwarz 警告稱，雖然“早期可能會出現[RLUSD]供應短缺……但一旦供應穩定，價格將回到非常接近 1 美元的水平，以平息事態。”

In what might be the quintessential comment on the ridiculousness that pervades everything in ‘crypto,’ Schwarz added the following plea: “If you want to spend a lot of money to get a tiny bit of RLUSD before anyone else does, you can. But please don’t expect the price to stay over $1 once things stabilize … Please don’t FOMO into a stablecoin! This is not an opportunity to get rich.”

在對「加密貨幣」中普遍存在的荒謬性的典型評論中，施瓦茨補充了以下懇求：「如果你想花很多錢在其他人之前獲得一點點 RLUSD，你可以。但一旦情況穩定，請不要指望價格會保持在 1 美元以上……請不要因 FOMO 而購買穩定幣！這不是致富的機會。

Coinbase Delists Tether From European Operations, Binance May Follow Suit

Coinbase 將 Tether 從歐洲業務中剔除，幣安也可能效仿

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