紐約監管機構批准 Ripple 的 RLUSD 穩定幣，但不接受 XRP 和比特幣作為抵押品

經過漫長的監管流程，紐約州金融服務部（NYDFS）正式批准了 Ripple 的 RLUSD 穩定幣。

The New York State Department of Financial Services (NYDFS) has officially approved Ripple’s RLUSD stablecoin, completing a lengthy regulatory process.

紐約州金融服務部 (NYDFS) 已正式批准 Ripple 的 RLUSD 穩定幣，完成了漫長的監管流程。

This marks a significant development in the cryptocurrency space, highlighting the growing institutional adoption and regulatory landscape for stablecoins.

這標誌著加密貨幣領域的重大發展，凸顯了穩定幣的機構採用和監管環境不斷增長。

Prominent cryptocurrency figure Vincent Van Code (@vincent_vancode) recently shared details on the stablecoin’s approval. According to Van Code, the NYDFS approval specifies that “RLUSD requires cash or cash equivalent backing, like Treasury bills, bonds, or cash.”

著名的加密貨幣人物 Vincent Van Code (@vincent_vancode) 最近分享了有關穩定幣批准的詳細資訊。 Van Code 表示，NYDFS 的批准明確規定“RLUSD 需要現金或現金等價物支持，例如國庫券、債券或現金。”

This regulatory mandate ensures that RLUSD maintains its peg to the U.S. dollar, fostering trust and transparency in its operations. Ripple had earlier stated that RLUSD would be backed 1:1 by cash or cash equivalents.

這項監管要求確保 RLUSD 維持與美元掛鉤的匯率，從而增強其營運的信任度和透明度。 Ripple 早些時候曾表示，RLUSD 將由現金或現金等價物以 1:1 的比例支持。

The NYDFS approval further reinforces trust in Ripple’s commitments. Notably, digital assets like XRP and Bitcoin are currently not acceptable to back RLUSD under NYDFS guidelines.

NYDFS 的批准進一步增強了人們對 Ripple 承諾的信任。值得注意的是，根據 NYDFS 準則，目前不接受 XRP 和比特幣等數位資產支援 RLUSD。

“XRP or any digital asset (including BTC) are currently NOT approved as cash equivalent to back RLUSD,” van Code pointed out. There were rumors that Ripple might custody its escrowed XRP as a reserve for RLUSD.

van Code 指出：“XRP 或任何數位資產（包括 BTC）目前尚未被批准作為支持 RLUSD 的現金等價物。”有傳言稱 Ripple 可能會託管其託管的 XRP 作為 RLUSD 的儲備。

However, experts quickly debunked this possibility, stating that regulators would not accept digital assets to back the stablecoin.

然而，專家很快就駁斥了這種可能性，表示監管機構不會接受數位資產來支持穩定幣。

Despite this, van Code speculated that such assets might be considered in the future if they meet stringent requirements. He also noted that the digital assets backing the stablecoins would need to be over-collateralized in case their prices drop.

儘管如此，範·科德推測，如果此類資產滿足嚴格的要求，未來可能會被考慮。他還指出，支持穩定幣的數位資產需要超額抵押，以防價格下跌。

This scenario could allow digital assets to participate in RLUSD’s collateral structure, although this remains speculative and would require extensive regulatory approval and mechanisms to mitigate the volatility of digital assets.

這種情況可能允許數位資產參與 RLUSD 的抵押品結構，儘管這仍然是推測性的，並且需要廣泛的監管批准和機制來減輕數位資產的波動性。

Addressing questions about potential obstacles delaying RLUSD’s launch, van Code clarified that the asset has met all regulatory requirements.

在回答有關延遲 RLUSD 推出的潛在障礙的問題時，van Code 澄清該資產已滿足所有監管要求。

“NYDFS approved it. Now they are turning it all on. It takes a fair bit of time,” he stated, adding that the implementation process involves creating demand for the stablecoin.

「NYDFS 批准了它。現在他們正在把這一切都打開。這需要相當長的時間。

Ripple’s stablecoin has already generated a lot of buzz in the community, with many trustlines being created in anticipation of its debut. While the community is excited about RLUSD’s potential to drive adoption and utility, van Code expects its impact on XRP to be minimal.

Ripple 的穩定幣已經在社區中引起了很大的反響，許多信任線都是為了它的首次亮相而創建的。雖然社群對 RLUSD 推動採用和實用性的潛力感到興奮，但 van Code 預計對 XRP 的影響微乎其微。

“The impact on XRP price won’t be immediate,” he noted. According to van Code, creating demand and utility takes time. He also stated that any price trend at this point is more a result of enthusiasm than sustained utility-driven demand.

「對 XRP 價格的影響不會立竿見影，」他指出。範·科德認為，創造需求和效用需要時間。他還表示，目前的任何價格趨勢更多的是熱情的結果，而不是持續的公用事業驅動的需求。