美国银行的计划可以关闭Coinbase和Tether Stablecoins

美国银行正在游说国会通过立法，这将使银行在不断增长的Stablecoin市场中获得优势。

Bank of America is reportedly lobbying Congress to pass legislation that would grant banks a central role in the burgeoning stablecoin market, ultimately aiming to prevent non-bank companies from readily issuing digital dollar-pegged tokens.

据报道，美国银行正在游说国会通过立法，该立法将使银行在新兴的Stablecoin市场中扮演核心角色，最终旨在防止非银行公司容易发行数字美元pegggggggggggggggggggggeng tokens。

According to The Block, the $284 billion financial behemoth is collaborating with industry groups such as the American Bankers Association and the Bank Policy Institute in these efforts. These campaigns are part of a broader push to create a fully reserved, 1:1-backed “Bank of America coin.”

根据该街区的数据，这笔2840亿美元的金融巨头正在与美国银行家协会和银行政策研究所等行业集团合作。这些运动是创建一个完全保留的1：1的“美国银行硬币”的广泛推动力的一部分。

If successful, this initiative could systematically sideline and shut down the operations of prominent stablecoin projects developed by non-bank players. Among the companies that could be affected by this move are Coinbase, Circle, Tether, Amazon, Meta, and PayPal.

如果成功的话，这项倡议可能会系统地隔离并关闭非银行参与者开发的著名Stablecoin项目的运营。在可能受到此举影响的公司中，有Coinbase，Circle，Tether，Amazon，Meta和Paypal。

As the leading stablecoins in the market, USDC (by Circle) and USDT (by Tether) currently boast impressive market caps of $60 billion and $144 billion, respectively. Bank of America's desire to enter this market is no secret, but the bank's primary focus is on ensuring that the playing field tips heavily in favor of traditional banks.

作为市场上领先的Stablecoins，USDC（由Circle）和USDT（由Tether）（由Tether）目前拥有令人印象深刻的市值为600亿美元和1440亿美元。美国银行进入这个市场的愿望并不是什么秘密，但是该银行的主要重点是确保竞争对手大力支持传统银行。

While Circle is engaging in lobbying efforts to safeguard its own enterprise, Bank of America maintains that its offering would be characterized by greater transparency and full compliance with U.S. law—a narrative implicitly targeting competitors like Tether, which has faced regulatory attention in the past.

尽管Circle正在游说为维护自己的企业而进行游说努力，但美国银行坚持认为，其发行的特征是更大的透明度和完全遵守美国法律，这是一种隐含的叙述性针对Tether等竞争对手的叙述，而Tether像Tether一样，在过去面临监管的关注。

However, it's worth noting that Bank of America's own past interactions with regulators are not without blemish. The bank has incurred fines for issues ranging from underpaying FDIC insurance and double-charging customers to violations of the Home Mortgage Disclosure Act, culminating in a $16 billion DOJ settlement over financial fraud.

但是，值得注意的是，美国银行自己过去与监管机构的互动并非没有瑕疵。该银行因涉及FDIC保险和双重收费的客户到违反《房屋抵押贷款披露法》的问题的罚款，最终达到了160亿美元的DOJ和解。