美国银行首席执行官布莱恩·莫伊尼汉（Brian Moynihan）表示，如果联邦立法允许，该银行准备介绍自己的美元稳定稳定。

他在华盛顿特区的经济俱乐部发表讲话时说，监管清晰度将决定该银行进入Stablecoin市场。

Bank of America CEO Brian Moynihan has said the bank is ready to introduce its own USD-pegged stablecoin if federal legislation permits it.

美国银行首席执行官布莱恩·莫伊尼汉（Brian Moynihan）表示，如果联邦立法允许，该银行已准备好引入自己的美元固定车。

Speaking at The Economic Club of Washington, D.C., he said that the bank’s entry into the stablecoin market will depend on regulatory clarity.

他在华盛顿特区的经济俱乐部发表讲话时说，该银行进入Stablecoin市场将取决于监管的清晰度。

“It’s pretty clear there’s going to be a #stablecoin, which is going to be a fully dollar-backed… it’s no different than a #bank account,” Moynihan said.

Moynihan说：“很明显，将会有一个#stablecoin，这将是一笔全额资金的……这与#Bank帐户没有什么不同。”

“They’re applying for approval now. Once the legislation passes, you’ll have a stablecoin in the U.S.,” he added.

“他们现在正在申请批准。立法通过后，您将在美国拥有一个稳定的币。”他补充说。

Stablecoins’ stability is similar to money market funds and traditional banking functionality as they are key parts of transactional activity, according to Moynihan. He noted that stablecoins currently dominate market use but their mainstream adoption by banks will require a well-defined regulatory system.

根据Moynihan的说法，Stablecoins的稳定性类似于货币市场基金和传统的银行业务功能，因为它们是交易活动的关键部分。他指出，斯塔布莱辛目前主导了市场用途，但银行的主流采用将需要明确定义的监管系统。

“You’ll have a stablecoin when the legislation passes, probably in the first 100 days of the new administration, as the Senate Banking Committee chair, Tim Scott, plans to work on advancing stablecoin legislation. After that approval, you’ll have Bank of America applying to make a stablecoin,” Moynihan said.

“当立法通过，可能是在新政府的前100天，参议院银行委员会主席蒂姆·斯科特（Tim Scott）计划致力于推进Stablecoin立法时，您将拥有一个稳定的币。批准后，您将有美国银行申请制造稳定的人。” Moynihan说。

The U.S. has seen increasing discussion around regulatory control of stablecoins.

美国已经围绕对稳定剂的监管控制进行了越来越多的讨论。

PayPal became the latest payment firm to join the stablecoin market with the launch of PYUSD in 2023. Traditional banks see potential in stablecoins, with the current market exceeding $232 billion. Additionally, JPMorgan Chase and other financial institutions began using blockchain technology for payment operations in 2020.

贝宝（Paypal）于2023年推出了Pyusd，成为加入Stablecoin市场的最新付款公司。传统银行认为，Stablecoins的潜力，当前市场超过2320亿美元。此外，摩根大通（JPMorgan Chase）和其他金融机构于2020年开始使用区块链技术进行支付运营。

Bank of America is making significant investments in digital technology and tools. Moynihan disclosed that Bank of America allocates $4 billion annually for innovative endeavors along with $9 billion spent yearly to maintain its technological infrastructure. Digital transformation is the bank’s primary focus as customers now use digital and mobile channels for their interactions, amounting to 90%.

美国银行正在对数字技术和工具进行大量投资。莫伊尼汉（Moynihan）透露，美国银行每年分配40亿美元的创新努力，每年花费90亿美元来维持其技术基础设施。数字化转型是该银行的主要重点，因为客户现在使用数字和移动渠道进行交互，总计90％。

Despite having nearly 3,700 branches nationwide, Bank of America is focused on advancing its digital banking initiatives. According to Moynihan, estate management and financial planning require human interaction through in-person banking as technology doesn’t fully address all financial challenges.

尽管全国有近3,700个分支机构，但美国银行仍致力于推进其数字银行计划。根据Moynihan的说法，房地产管理和财务计划需要通过面对面的银行业务进行人工互动，因为技术并不能完全应对所有财务挑战。