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尽管随着现货比特币交易所交易基金的推出而流行的比特币活动不断增加,但美国消费者对稳定币的采用在 2024 年仍将面临放缓。
Stablecoin adoption among US-based consumers encountered a slowdown throughout 2024, despite the increasing activity observed in Bitcoin, which rose in popularity following the launch of the spot Bitcoin exchange-traded funds (ETFs).
尽管比特币的活动不断增加,并且在现货比特币交易所交易基金 (ETF) 推出后越来越受欢迎,但美国消费者对稳定币的采用在 2024 年遇到了放缓。
As evident in the graph below, transactions made by US-regulated platforms decreased over the span of just under a year. This decline can be attributed to the growing challenges faced by US-based stablecoins in terms of regulation and adoption within the country.
如下图所示,美国监管平台的交易量在不到一年的时间内有所下降。这种下降可归因于美国稳定币在国内监管和采用方面面临越来越大的挑战。
On the other hand, stablecoins emerging from markets outside the US experienced higher implementation. As stablecoins continue to be utilized on a global scale, this particular digital asset class is being employed to carry value and facilitate low-cost transactions in various regions worldwide.
另一方面,来自美国以外市场的稳定币的实施率更高。随着稳定币继续在全球范围内使用,这种特殊的数字资产类别正在被用来承载价值并促进全球各个地区的低成本交易。
Global Demand For US Dollar-Backed Assets
全球对美元支持资产的需求
With countries aiming to establish a more stable asset base, typically in the form of the dollar, stablecoins will contribute to enhancing global financial inclusion, especially in areas where there are few, if any, stable currencies. Such a demand for reliable and well-preserved assets will ultimately drive the use of stablecoins.
随着各国旨在建立更稳定的资产基础(通常以美元的形式),稳定币将有助于增强全球金融包容性,特别是在稳定货币很少(如果有的话)的地区。这种对可靠且保存完好的资产的需求最终将推动稳定币的使用。
As 2022 drew to a close, it was observed that approximately $1 trillion in US dollars had been found abroad, which roughly equates to about half of the entire US dollar supply. This further highlights how stablecoins are gradually replacing dollar cash in markets where local currencies are prone to volatility.
2022年接近尾声时,据观察,国外发现了大约1万亿美元的美元,大约相当于美元总供应量的一半左右。这进一步凸显了稳定币如何在当地货币容易波动的市场中逐渐取代美元现金。
These findings align with the statements made by Paolo Ardoino, the CEO of Tether, who recently disclosed that stablecoin demand predominantly originates from developing countries such as Argentina, Turkey, and Vietnam. In these regions, people are turning to stablecoins to protect themselves against inflation and currency erosion, and are hence increasingly applying them as financial instruments for everyday operations and deposit purposes.
这些发现与 Tether 首席执行官 Paolo Ardoino 的声明相符,后者最近透露,稳定币需求主要来自阿根廷、土耳其和越南等发展中国家。在这些地区,人们开始使用稳定币来保护自己免受通货膨胀和货币侵蚀,因此越来越多地将其用作日常运营和存款目的的金融工具。
Stablecoins: Regulatory Challenges And The US Position
稳定币:监管挑战和美国的立场
The United States, lacking an adequate framework for digital assets, finds itself at a competitive disadvantage, as financial hubs in Europe and the United Arab Emirates are attracting stablecoin projects due to their more favorable regulatory environments. According to Chainalysis, it has been highlighted by companies like Circle that the absence of a US regulatory framework for stablecoins could pose a threat to American interests.
美国缺乏适当的数字资产框架,发现自己处于竞争劣势,而欧洲和阿拉伯联合酋长国的金融中心因其更有利的监管环境而吸引了稳定币项目。据 Chainaanalysis 称,Circle 等公司强调,美国缺乏稳定币监管框架可能会对美国利益构成威胁。
More countries are stepping up to establish clear guidelines that encourage the use of stablecoins, and the US is no exception to this call to action. Chainalysis believes that this gap in regulation will likely determine the country's ability to remain competitive within the emerging digital asset landscape, serving as the catalyst for driving innovation within the stablecoin market.
越来越多的国家正在加紧制定鼓励使用稳定币的明确指导方针,美国也不例外。 Chainaanalysis 认为,这种监管差距可能会决定该国在新兴数字资产领域保持竞争力的能力,并成为推动稳定币市场创新的催化剂。
Featured image from Pexels, chart from TradingView
精选图片来自 Pexels,图表来自 TradingView
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