如果监管框架允许

首席执行官Brian Moynihan说

Bank of America is prepared to launch its own stablecoin if the legal framework permits, disclosed CEO Brian Moynihan during an interview with David Rubenstein at the Economic Club of Washington on Tuesday.

美国银行准备在周二在华盛顿经济俱乐部接受戴维·鲁宾斯坦（David Rubenstein）的采访时透露，如果法律框架允许的法律框架允许，则准备发起自己的稳定。

"It's pretty clear there's going to be a stable coin which is going to be fully dollar backed," explained Moynihan when asked by Rubenstein whether he envisioned a future where physical cash is completely eliminated in favor of a fully digital economy.

当鲁宾斯坦（Rubenstein）询问他是否设想了一个未来，即完全消除了实力现金以支持完全数字经济，这很明显，很明显，将会有一枚稳定的硬币，这将是全美元的支持。”

"If they make that legal we'll go into that business. You'll have a Bank of America coin and a US dollar deposit and we'll be able to move them back and forth. Because now it hasn't been legal for us to do it," said Moynihan.

“如果他们成为合法的人，我们将进入这项业务。您将拥有一枚美国银行硬币和美元存款，我们将能够来回移动它们。因为现在尚不合法我们这样做。”莫伊尼汉说。

Moynihan also categorized three distinct assets in the digital asset space: blockchain technology, stablecoins, and Bitcoin and other crypto assets. His main focus was on stablecoins, explaining that these assets would operate in a similar manner to existing financial products.

Moynihan还将数字资产空间中的三个不同资产分类为：区块链技术，Stablecoins，Bitcoin和其他加密资产。他的主要重点是稳定币，解释说这些资产将以与现有金融产品相似的方式运营。

"It's no different than a money market fund with check access...is no different than a bank account," said Moynihan.

Moynihan说：“这与支票访问的货币市场基金没有什么不同……与银行帐户没有什么不同。”

The vast majority of money movement is already digital, especially for large transactions between central banks, like wire transfers, ACH payments, and other electronic methods, according to Moynihan.

Moynihan表示，绝大多数货币运动已经是数字化的，尤其是对于中央银行之间的大型交易，例如电汇，ACH付款和其他电子方法。

Credit and debit cards further attest to the shift towards a digital economy, stated the BofA CEO. He noted that consumer spending is heavily digital, with Zelle, credit cards, and other digital payment methods largely outpacing cash transactions.

美国银行首席执行官说，信用卡和借记卡进一步证明了向数字经济转变。他指出，消费者支出数量很大，Zelle，信用卡和其他数字支付方式在很大程度上超过了现金交易。

"Cash is critically important. We'll still need branches and ATMs for consumers and small businesses who use cash," said Moynihan.

Moynihan说：“现金至关重要。我们仍然需要用于使用现金的消费者和小型企业的分支机构和自动取款机。”

The bank currently handles substantial digital money movement, with Moynihan noting they "move three trillion dollars today digitally." He added that while physical currency remains important, 98% of bills moved globally are handled by the bank as a government service.

该银行目前正在处理大量的数字货币运动，Moynihan指出他们“今天以数字方式移动了三亿美元”。他补充说，尽管实体货币仍然很重要，但银行将98％的账单作为政府服务来处理。

On the physical currency logistics, Moynihan explained that "a billion dollars of hundreds weighs a few tons" and "a million dollars of hundreds is a 25 foot stack," highlighting the practical advantages of digital alternatives.

在物理货币物流上，Moynihan解释说：“十亿美元重几吨”和“一百万美元的数百英尺是25英尺的堆栈”，强调了数字替代方案的实际优势。

Last month, Moynihan said that US banks are ready to adopt crypto payments if regulatory frameworks are established, concentrating on safe, non-anonymous transactions. He also mentioned that the bank already manages most transactions digitally.

上个月，Moynihan表示，如果建立监管框架，美国银行准备采用加密货币，专注于安全的，非匿名的交易。他还提到该银行已经以数字方式管理了大多数交易。

“If the rules come in and make it a real thing that you can actually do business with, you will find the banking system will come in hard on the transactional side of it,” Moynihan remarked.

Moynihan指出：“如果规则进一步制定并使您可以真正与之开展业务，那么您会发现银行系统将在交易方面努力。”

He views crypto as another potential payment method alongside traditional systems and stated that the bank holds numerous blockchain patents.

他认为加密货币是另一种潜在的付款方式与传统系统一起，并表示该银行拥有许多区块链专利。

The broader adoption of crypto by banks has been hampered by regulatory uncertainties, which could change with the Trump administration's pro-crypto stance.

银行对加密货币的广泛采用受到监管不确定性的阻碍，这可能会随着特朗普政府的亲克赖特托立场而改变。