Ripple 推出美元穩定幣以刺激機構和 DeFi 的採用

Ripple 宣布即將在 XRP Ledger 和以太坊區塊鏈上推出與美元掛鉤的穩定幣。該穩定幣將於今年稍後推出，旨在透過提供值得信賴的美元支援選項來擴大機構和 DeFi 用例。該公司強調對合規性的承諾，並預計穩定幣市場到 2028 年將大幅成長。

Ripple Unveils Plans for USD-Pegged Stablecoin, Targeting Institutional and DeFi Adoption

Ripple 公佈與美元掛鉤的穩定幣計劃，瞄準機構和 DeFi 的採用

In a groundbreaking move that is poised to reshape the stablecoin landscape, Ripple, the San Francisco-based technology company, has announced its plans to launch a U.S. dollar-pegged stablecoin. This highly anticipated stablecoin, anticipated for release later this year, will initially be available on both the XRP Ledger and Ethereum blockchains.

總部位於舊金山的科技公司 Ripple 宣布計劃推出與美元掛鉤的穩定幣，這是一項旨在重塑穩定幣格局的突破性舉措。這種備受期待的穩定幣預計將於今年稍後發布，最初將在 XRP Ledger 和以太坊區塊鏈上提供。

According to Monica Long, President of Ripple, "Issuing our stablecoin on the XRP Ledger and Ethereum will serve as a pivotal entry point to unlock new opportunities for institutional and DeFi use cases across multiple ecosystems. Bringing a trusted stablecoin onto XRPL will drive more adoption and development, contributing to a vibrant ecosystem."

Ripple 總裁Monica Long 表示：「在XRP Ledger 和以太坊上發行我們的穩定幣將成為關鍵切入點，為跨多個生態系統的機構和DeFi 用例釋放新的機會。將值得信賴的穩定幣引入XRPL將推動更多採用和發展，為充滿活力的生態系統做出貢獻。”

Backed by USD Deposits and U.S. Government Treasuries

由美元存款和美國政府國庫券支持

Ripple has meticulously designed its stablecoin to provide users with a secure and reliable alternative to existing stablecoins. The company has emphasized that the stablecoin will be fully backed by "USD deposits, short-term U.S. government treasuries, and other cash equivalents." To ensure transparency and accountability, these reserve assets will be subject to regular audits by a reputable third-party accounting firm, with monthly attestations published by Ripple.

Ripple 精心設計了其穩定幣，為用戶提供現有穩定幣的安全可靠的替代品。該公司強調，穩定幣將得到「美元存款、短期美國政府國債和其他現金等價物」的全額支持。為了確保透明度和問責制，這些儲備資產將接受信譽良好的第三方會計師事務所的定期審計，並由 Ripple 每月發布證明。

Strategic TimingAmid Market Volatility

市場波動中的策略時機

Ripple's decision to launch a stablecoin at this specific juncture is a testament to the company's deep understanding of market dynamics. Chief Technology Officer David Schwartz acknowledged that the company had previously considered launching a stablecoin but ultimately decided to wait until conditions were more favorable.

Ripple 在這個特定時刻決定推出穩定幣，證明了該公司對市場動態的深刻理解。技術長 David Schwartz 承認，該公司先前曾考慮推出穩定幣，但最終決定等到條件更有利時再推出。

"In retrospect, we would have liked to launch a stablecoin sooner," Schwartz admitted. "However, after monitoring market conditions and economic factors, we believe that issuing one this year makes strategic sense. The interest rate increase makes it a much more attractive market. Also, there's been a shakeup, and really, Tether is almost a no-go for us because of the regulatory issues. There's just so much uncertainty around it."

「回想起來，我們希望早點推出穩定幣，」施瓦茨承認。 「然而，在監測市場狀況和經濟因素後，我們認為今年發行Tether 具有戰略意義。升息使其成為一個更具吸引力的市場。此外，也發生了一次重組，事實上，Tether 幾乎是一個不…… “因為監管問題而選擇我們。周圍有太多的不確定性。”

Schwartz also expressed his concerns about the concentration risk associated with Tether, the current dominant player in the stablecoin market. "We've used USDC before, and there's nothing wrong with it," he stated. "It's just, you don't want to have only one option."

施瓦茨也表達了他對當前穩定幣市場主導者 Tether 相關集中風險的擔憂。 「我們以前使用過 USDC，沒有任何問題，」他表示。 “只是，你不想只有一種選擇。”

Addressing the Needs of Enterprise and DeFi

滿足企業和 DeFi 的需求

Ripple's stablecoin is specifically designed to meet the unique needs of enterprise and DeFi users. Schwartz believes that Ripple's customers and the global market will respond positively to a stablecoin that organizations can use with greater confidence, particularly on the XRP Ledger.

Ripple 的穩定幣專為滿足企業和 DeFi 用戶的獨特需求而設計。 Schwartz 相信，Ripple 的客戶和全球市場將對組織可以更有信心使用的穩定幣做出積極反應，特別是在 XRP Ledger 上。

"There's a lot of great assets on the XRP Ledger, but not really a good stablecoin," Schwartz explained. "Even if you had one, you don't want to build a business around a single option."

「XRP Ledger 上有很多優質資產，但並不是真正好的穩定幣，」施瓦茨解釋道。 “即使你有一個，你也不想圍繞單一選擇來建立業務。”

Schwartz anticipates that the new stablecoin will be particularly attractive to small- and medium-sized enterprises (SMEs) and non-banking financial institutions (NBFIs) such as payment companies. He believes that Ripple's established compliance framework will give the stablecoin a competitive edge in the enterprise market.

施瓦茨預計，新的穩定幣將對中小企業（SME）和支付公司等非銀行金融機構（NBFI）特別有吸引力。他認為，Ripple 既定的合規框架將使穩定幣在企業市場上具有競爭優勢。

Compliance and Regulatory Considerations

合規性和監管注意事項

Ripple has consistently emphasized its commitment to compliance and has been proactively building a strong licensing portfolio in key regions around the globe. While the company has faced ongoing legal challenges from the Securities and Exchange Commission (SEC) regarding the sale of XRP, Ripple remains confident in its position and is actively defending itself against the allegations.

Ripple 一貫強調其對合規性的承諾，並一直在全球關鍵地區積極建立強大的授權組合。儘管該公司在銷售 XRP 方面面臨美國證券交易委員會 (SEC) 的持續法律挑戰，但 Ripple 對其立場仍然充滿信心，並針對這些指控積極為自己辯護。

Expansion Plans and Interoperability

擴展計劃和互通性

While the stablecoin will initially be available only on the XRP Ledger and Ethereum networks, Ripple has ambitious plans to expand its reach to additional blockchains, DeFi protocols, and applications over time. This interoperability will further enhance the utility and accessibility of Ripple's stablecoin across the broader crypto ecosystem.

雖然該穩定幣最初僅在 XRP Ledger 和以太坊網路上可用，但 Ripple 制定了雄心勃勃的計劃，隨著時間的推移，將其覆蓋範圍擴展到其他區塊鏈、DeFi 協議和應用程式。這種互通性將進一步增強 Ripple 穩定幣在更廣泛的加密生態系統中的實用性和可訪問性。

Conclusion

結論

Ripple's entry into the stablecoin market is a significant development that is likely to have a profound impact on the industry. With its strong focus on compliance, institutional adoption, and interoperability, Ripple's stablecoin is poised to become a trusted and widely used alternative to existing stablecoins. As the stablecoin market continues to grow and evolve, Ripple's stablecoin is well-positioned to play a leading role in shaping the future of this rapidly expanding segment of the cryptocurrency space.

Ripple 進入穩定幣市場是一項重大發展，可能對該行業產生深遠影響。憑藉對合規性、機構採用和互通性的高度重視，Ripple 的穩定幣有望成為現有穩定幣的值得信賴且廣泛使用的替代品。隨著穩定幣市場的不斷增長和發展，Ripple 的穩定幣處於有利位置，可以在塑造這一快速擴張的加密貨幣領域的未來方面發揮主導作用。