美国银行（BOFA）准备介绍自己的Stablecoin

首席执行官Brian Moynihan在接受David Rubenstein的采访时说，一旦法规许可，BOFA准备介绍自己的Stablecoin。

Bank of America is planning to launch its own stablecoin once regulations permit, CEO Brian Moynihan has stated.

首席执行官布莱恩·莫尼汉（Brian Moynihan）表示，一旦法规许可，美国银行正计划推出自己的Stablecoin。

Speaking at the Economic Club of Washington, as part of a conversation with David Rubenstein, Moynihan said that a fully backed digital dollar will come, and when it does, BofA will participate.

Moynihan在与David Rubenstein进行对话的一部分时在华盛顿的经济俱乐部发表讲话时说，将会有完全支持的数字美元来，而当它这样做时，BOFA将参加。

The bank will then offer a token that can be seamlessly converted into and out of a traditional deposit account at the bank, similar to how existing products like money market funds with check-writing capabilities operate.

然后，该银行将提供一个可以无缝转换为银行传统存款帐户的代币，类似于现有产品诸如货币市场基金和支票编写功能的运作方式。

“It operates similarly to a bank account,” he said of stablecoins, which he described as a financial instrument that people can use to make payments.

他在谈到Stablecoins时说：“它的运作与银行帐户类似。”他将其描述为人们可以用来付款的金融工具。

Bank of America may soon offer BofA tokens pegged to US dollar deposit accounts.

美国银行可能很快就会提供与美元存款帐户挂钩的BOFA令牌。

If the law allows it, we will participate in that business.

如果法律允许，我们将参加该业务。

Current restrictions prevent the bank from issuing its own digital asset.

当前的限制阻止银行发行自己的数字资产。

Moynihan categorized the digital asset landscape into three segments: blockchain technology, stablecoins, and cryptocurrencies like Bitcoin.

Moynihan将数字资产景观分为三个部分：区块链技术，稳定币和比特币等加密货币。

His primary focus was on stablecoins, which he sees as a natural progression in the financial services sector.

他的主要重点是Stablecoins，他认为这是金融服务部门的自然发展。

During the discussion, Moynihan highlighted the majority of financial transactions are already digital, especially among institutions and central banks.

在讨论中，Moynihan强调了大多数金融交易已经是数字化的，尤其是在机构和中央银行中。

Large-scale transfers occur via electronic payment systems, including wire transfers and the Automated Clearing House (ACH) network.

大规模转移通过电子支付系统（包括电线传输和自动化清算室（ACH）网络）进行。

On the consumer side, digital payments are expanding with platforms like Zelle and credit and debit cards being used more than cash.

在消费者方面，数字付款正在扩大，而Zelle，信用卡和借记卡等平台的使用量不仅仅是现金。

However, he noted that cash remains essential, with branches and ATMs serving businesses and individuals who still need physical currency.

但是，他指出现金仍然是必不可少的，分支机构和自动取款机为企业和仍然需要实体货币的个人提供服务。

Bank of America handles a massive volume of digital transactions daily.

美国银行每天处理大量数字交易。

“We process $3 trillion in digital payments today,” he said, showcasing the scale of the bank’s financial operations.

他说：“我们今天处理了3万亿美元的数字付款。”

He also discussed the logistical challenges associated with handling physical currency.

他还讨论了与处理实物货币有关的后勤挑战。

A billion dollars in $100 bills, he noted, weighs several tons, while a million dollars in the same denomination would form a stack approximately 25 feet high.

他指出，十亿美元的100美元钞票重几吨，而同一面额的一百万美元将形成约25英尺高的堆栈。

These practical considerations further highlight the shift towards digital alternatives in financial transactions, which stablecoins and similar initiatives are aiming to facilitate.

这些实际的考虑进一步凸显了金融交易中数字替代方案的转变，该替代方案和类似计划的目标是促进。

The post Bank of America to Launch Stablecoin When Regulations Permit, CEO Says appeared first on iHaventGotA clue.

首席执行官说，美国邮政银行将在法规许可证许可证许可证许可证时发行Stablecoin，首席执行官说，首先出现在Ihaventgota线索上。