傳統金融巨頭美國銀行和貝寶（Paypal）正在Stablecoin行業大膽舉動

該行業的機構利益不斷上升，價值超過2000億美元。

The institutional interest in the stablecoin sector, which is now worth over $200 billion, is continuing to grow, signaled by the latest moves by financial giants Bank of America and PayPal.

現在價值超過2000億美元的Stablecoin行業的機構權益正在繼續增長，這是由金融巨頭銀行和Paypal的最新舉動提示的。

At the same time, plans for a stablecoin from the US banking giant could be forthcoming once the regulatory landscape becomes apparent, according to a report by Blockworks on Feb. 26.

同時，根據Blockworks的一份報告，一旦監管景觀顯而易見，美國銀行業巨頭的穩定幣可能即將到來。

Meanwhile, PayPal is expanding the role of its PYUSD stablecoin within its payment ecosystem.

同時，PayPal正在擴大其Pyusd Stablecoin在其付款生態系統中的作用。

Bank of America's stablecoin ambitions

美國銀行的穩定雄心勃勃

President of the US banking giant Brian Moynihan hinted at the bank’s potential entry into the stablecoin market.

美國銀行業巨頭布萊恩·莫尼漢（Brian Moynihan）總裁暗示該銀行的潛在進入Stablecoin市場。

He noted that stablecoins function similarly to money market funds or bank accounts with check access. According to Moynihan, securing regulatory approval presents the primary barrier to launching a USD-pegged stablecoin.

他指出，Stablecoins的功能類似於貨幣市場基金或帶有支票訪問的銀行帳戶。根據Moynihan的說法，確保監管機構批准提出了推出美元固定穩定的主要障礙。

"If they make that legal, we will go into that business," he stated, highlighting the bank's readiness to launch a coin once regulations permit.

他說：“如果他們使該合法合法，我們將開始從事這項業務。”一旦法規許可，該銀行準備發起硬幣。

He suggested that a future "BofA coin" could be tied to dollar deposit accounts, though he expressed skepticism regarding its broader utility.

他建議將未來的“銀行硬幣”與美元存款帳戶聯繫在一起，儘管他對其更廣泛的效用表示懷疑。

"I'm not sure what else we would do with it, but we're watching it closely and we'll see how it plays out," he added.

他補充說：“我不確定我們還會做什麼，但是我們正在仔細觀察它，我們會看到它的發揮作用。”

Moynihan's statement follows his previous comment that the US banking industry would adopt cryptocurrencies for payments if regulators allow it.

Moynihan的聲明遵循了他之前的評論，即如果監管機構允許，美國銀行業將採用加密貨幣進行付款。

Bank of America is the second-largest bank in the United States, with total assets of $2.57 trillion.

美國銀行是美國第二大銀行，總資產為2.57萬億美元。

PayPal's PYUSD expansion

PayPal的Pyusd擴展

On the other hand, PayPal is actively working to integrate PYUSD into its payment ecosystem to boost its adoption.

另一方面，PayPal正在積極努力將PYUSD整合到其付款生態系統中，以提高其採用。

During a presentation at the Consensus conference in Hong Kong, Michelle Gill, a PayPal executive, detailed plans to embed the stablecoin deeper into its platform by enabling merchants to use PYUSD for vendor payments through PayPal's network.

貝寶（PayPal）高管米歇爾·吉爾（Michelle Gill）在香港共識會議上的演講中，詳細的計劃通過使商人能夠通過PayPal的網絡使用Pyusd來將Stablecoin更深地嵌入其平台中。

Beyond that, the company would also focus on incorporating PYUSD for international payments.

除此之外，該公司還將專注於將PYUSD納入國際付款。

The executive explained that PayPal aims to eliminate currency conversion complexities and reduce transaction delays that plague the traditional system by integrating PYUSD into its cross-border payment system.

高管解釋說，PayPal旨在消除貨幣轉換複雜性，並減少通過將PYUSD集成到其跨境支付系統中的傳統系統的交易延遲。

"A lot of the payments we’re expecting are going to be cross-border because merchants in the US are seeking to pay vendors and suppliers abroad. The thesis was: Can we facilitate that on PYUSD rails so as not to have the currency conversion, the friction, as well as time?" Gill said.

“我們期望的許多付款將是跨境，摩擦和時間？”吉爾說。