一旦制定了法规，美国银行就准备发起自己的Stablecoin

美国银行是美国第二大银行，拥有3.26万亿美元的资产，一旦建立监管框架，就准备发起自己的Stablecoin

Bank of America is ready to launch its own stablecoin once regulatory frameworks are established, according to CEO Brian Moynihan.

首席执行官Brian Moynihan表示，一旦建立监管框架，美国银行就准备发起自己的Stablecoin。

Speaking at The Economic Club of Washington, D.C. on Tuesday, Moynihan confirmed the bank’s intentions to create a “Bank of America Coin” that would be fully backed by U.S. dollars.

莫伊尼汉（Moynihan）在华盛顿特区的经济俱乐部在华盛顿特区的经济俱乐部发表讲话，证实了该银行打算创建“美国银行硬币”的意图，这将完全得到美元的支持。

“It’s pretty clear that there’s going to be a stablecoin, which is going to be fully dollar-backed,” Moynihan stated during his conversation with businessman David Rubenstein. “If they make that legal, we will go into that business.”

莫伊尼汉在与商人戴维·鲁宾斯坦（David Rubenstein）的交谈中说：“很明显，将会有一个稳定的人，这将是全美元支持的。” “如果他们合法，我们将开始这项业务。”

Moynihan described the proposed stablecoin as functionally similar to existing financial products. “It’s no different than the money market fund with check access, it’s no different than a bank account, really,” he explained. The CEO indicated that once legal, customers would “have a Bank of America coin” that they could “move back and forth” for various transactions.

Moynihan将拟议的Stablecoin描述为与现有金融产品的功能相似。他解释说：“这与支票访问的货币市场基金没有什么不同，实际上，这与银行帐户没有什么不同。”首席执行官表示，一旦合法，客户将“拥有一枚美国银行硬币”，他们可以“来回移动”进行各种交易。

This announcement comes as the stablecoin market has grown to a value of over $230 billion despite the lack of clear regulations in the United States. The current market is dominated by Tether’s USDT with approximately $142 billion in circulation and Circle’s USDC with about $56 billion.

该公告是因为尽管美国缺乏明确的法规，但Stablecoin市场的价值已增长超过2,300亿美元。当前的市场由Tether的USDT主导，流通量约为1420亿美元，Circle的USDC约为560亿美元。

The regulatory landscape appears to be changing rapidly under the Trump administration. Senate Banking Committee Chairman Tim Scott (R-SC) recently promised that a stablecoin bill, known as the GENIUS Act, will pass through both chambers of Congress and receive the President’s signature within Trump’s first 100 days in office.

在特朗普政府的领导下，监管格局似乎正在迅速变化。参议院银行委员会主席蒂姆·斯科特（Tim Scott）（R-SC）最近承诺，一项被称为《天才法案》的稳定法案将通过国会的两堂，并在特朗普的前100天内获得总统的签名。

During an earlier appearance on CNBC’s “Squawk Box” this year, Moynihan predicted that “the banking system will come in hard on the transactional side” of stablecoins once legislation passes. He believes they would find broad use in payment systems.

在今年CNBC的“ Squawk Box”上的较早露面中，Moynihan预测，一旦立法通过，Stablecoins的交易方面将在交易方面陷入困境。他认为他们会在付款系统中找到广泛使用。

Bank of America would not be the first major financial institution to launch a stablecoin. Its largest competitor, JP Morgan, has been developing its “JPM Coin” since 2020 as part of its Onyx blockchain initiative. JP Morgan has positioned its stablecoin primarily as a tool for cross-border transactions and payments between financial institutions.

美国银行将不是第一个发射稳定的主要金融机构。自2020年以来，其最大的竞争对手JP Morgan一直在开发其“ JPM硬币”，这是其Onyx区块链计划的一部分。 JP Morgan将其稳定币定位为主要作为金融机构之间跨境交易和付款的工具。

Other companies have already moved forward despite regulatory uncertainty. PayPal launched its PYUSD stablecoin in 2023 and recently announced plans to have 20 million merchants using the product this year.

尽管有监管不确定性，其他公司已经向前迈进。 PayPal于2023年推出了Pyusd Stablecoin，并最近宣布计划今年有2000万商人使用该产品。

Ripple secured approval from the New York State Department of Financial Services (NYDFS) in December to launch its RLUSD stablecoin.

Ripple于12月获得了纽约州金融服务部（NYDFS）的批准，以启动其RLUSD Stablecoin。

The entry of traditional banking giants like Bank of America could trigger major growth in the stablecoin market beyond the current $230 billion valuation. However, Moynihan acknowledged some uncertainty about the full range of applications, stating, “The question of what it’s useful for is going to be interesting.”

像美国银行这样的传统银行巨头的进入可能会触发Stablecoin市场的重大增长，超过当前的200亿美元估值。但是，Moynihan承认有关应用程序的全部不确定性，并指出：“它有用的问题将变得有趣。”

White House AI and Crypto Czar David Sacks recently held his first crypto-focused press conference, outlining legislative priorities that include both a markets structure bill and a comprehensive stablecoin bill. These developments suggest that after years of debate, U.S. lawmakers may finally be ready to create a clear pathway to legality for stablecoin issuers.

白宫AI和Crypto Czar David Sacks最近举行了他的第一次以加密货币为重点的新闻发布会，概述了包括市场结构法案和全面的Stablecoin法案在内的立法优先事项。这些事态发展表明，经过多年的辩论，美国立法者最终可能准备为Stablecoin发行人创造合法性的明确途径。