一些世界上一些最大的银行和金融科技公司正在竞争自己的稳定股份

他们的目标是抢占不断扩大的跨境支付市场。根据《金融时报

Some of the world’s biggest banks and fintech firms are racing to launch their own stablecoins in a move that is set to spark even greater competition for a share of the expanding cross-border payments market.

世界上一些最大的银行和金融科技公司正在竞赛，以推出自己的稳定币，这将激发越来越多的跨境支付市场的更大竞争。

As reported by the Financial Times, Bank of America, Standard Chartered, Revolut, and Stripe have signaled plans to issue their own digital assets. This move will allow them to directly challenge stablecoin leaders Tether and Circle.

正如《金融时报》报道的，美国银行（Bank of America），《租赁》，《革命》和《条纹》标志着发布了自己的数字资产的计划。此举将使他们能够直接挑战Stablecoin领导者的束缚和圈。

TradFi Giants Eye Stablecoin Market Share, Challenging Crypto-Native Leaders

Tradfi巨人眼稳定市场份额，挑战加密本地领导者

The shift comes as stablecoins become a real part of the financial system. This trend also shows a change from past skepticism, especially after the failure of Meta’s Libra stablecoin plan six years ago.

随着Stablecoins成为金融体系的真实组成部分，这种转变就来了。这种趋势也显示出与过去的怀疑主义的变化，尤其是在六年前Meta的Libra Stablecoin计划失败之后。

Importantly, the trend is growing further under the Trump administration, which has embraced cryptocurrencies. According to recent reports, the U.S. Congress is debating bills that would standardize stablecoin regulations. This initiative aims to provide banks and businesses with greater confidence to enter the market.

重要的是，在特朗普政府的领导下，这种趋势正在进一步发展，该政府接受了加密货币。根据最近的报道，美国国会正在辩论将标准化Stablecoin法规的法案。该计划旨在使银行和企业更有信心进入市场。

Stablecoins Gain Mainstream Acceptance Beyond Just Crypto

稳定币不仅获得加密货币而获得主流接受

The surge in stablecoin development has been called a modern-day gold rush. “It’s about people selling shovels in the stablecoin gold rush,” said Simon Taylor, co-founder of fintech consultancy 11:FS.

Stablecoin开发的激增被称为现代淘金热。 Fintech Consultancy 11：FS的联合创始人西蒙·泰勒（Simon Taylor）说：“这是关于在Stablecoin淘金热中出售铲子的人们。”

He explained that the rapid expansion is driven by fear of missing out (FOMO). This feeling compels firms to establish a presence before stablecoin regulations are fully in place.

他解释说，快速扩张是由于害怕错过（FOMO）所驱动的。这种感觉迫使企业在完全制定了Stablecoin法规之前建立存在。

“The other thing that’s driven it is real volume,” he added. “Founders want to get a piece of it because they know they’re going to get stablecoin regulation, and so it’s all of those things coming together.”

他补充说：“驱动的另一件事是真正的音量。” “创始人想获得其中的一部分，因为他们知道自己将获得Stablecoin的监管，所以所有这些事情都聚集在一起。”

Stablecoins Facilitate Low-Cost, Instant Transactions for Diverse Businesses

Stablecoins促进低成本，即时交易的各种企业

Interestingly, businesses in sectors like commodities, agriculture, and shipping are using stablecoins for transactions. According to a recent report by PYMNTS, this new generation of payment technology is especially useful in regions with unstable currencies, like Argentina, where merchants prefer to be paid in stablecoins.

有趣的是，商品，农业和航运等领域的企业正在使用Stablecoins进行交易。根据PYMNTS的最新报告，这种新一代的支付技术在不稳定货币（如阿根廷）的地区特别有用，那里的商人更喜欢用stablecoins支付。

Unlike traditional banking systems, stablecoins provide instant, low-cost transfers, particularly in unstable macroeconomic regions.

与传统的银行体系不同，Stablecoins提供了即时的低成本转移，尤其是在不稳定的宏观经济区域。

Related: Investors Lie in Wait As Stablecoins Circulating Supply Surges Over $16B in 2025

相关：投资者正在等待，随着2025年稳定的供应激增超过16B

The Integration of Stablecoins into the Mainstream Financial System

将稳定币的整合到主流金融体系中

The optimistic outlook on stablecoins is shared by Tom Hayes, founder of crypto hedge fund, Spark Digital Capital. In a recent interview with Bloomberg, Hayes highlighted the potential of Tether (USDT) to revolutionize the financial landscape.

Spark Digital Capital的Crypto Hedge Fund的创始人Tom Hayes共享了对Stablecoins的乐观前景。在最近接受彭博社的采访中，海斯强调了Tether（USDT）彻底改变金融景观的潜力。

The market’s growth is clear in current figures. As of this year, the global supply of stablecoins has reached $231 billion. According to data from Tether, the company’s token (USDT) is the most widely used, with $142 billion in circulation. In comparison, Circle’s USDC has $57 billion in circulation.

当前数字中，市场的增长很明显。截至今年，全球Stablecoins的供应已达到2310亿美元。根据Tether的数据，该公司的令牌（USDT）是最广泛使用的，发行量为1420亿美元。相比之下，Circle的USDC有570亿美元的发行量。

Moreover, transaction volumes hit $710 billion last month, up from $521 billion a year earlier, according to data from Visa.

此外，根据Visa的数据，上个月的交易量从去年同期的5210亿美元中达到了7100亿美元。

New Stablecoin Entrants Face Uphill Battle Against Established Leaders

新的Stablecoin参赛者面临与成熟领导人的艰苦战斗

Despite the growth, new stablecoin issuers have challenges to overcome. For example, established players like Tether processed over $131 billion in transactions last month. In contrast, PayPal’s PYUSD only processed $163 million. According to the report, this disparity in activity underscores the substantial lead held by Tether and Circle in the rapidly expanding stablecoin market.

尽管有增长，但新的Stablecoin发行人仍有挑战要克服。例如，诸如Tether之类的成熟参与者上个月处理了超过1310亿美元的交易。相比之下，PayPal的Pyusd仅处理了1.63亿美元。根据该报告，活动的这种差异突显了Tether和Circle在迅速扩展的Stablecoin市场中所持有的大量潜在客户。

Experts suggest that while stablecoins are beneficial in markets with high currency risk, their adoption in Western economies is still not certain. According to a report by the Financial Times, Standard Chartered is preparing to launch a Hong Kong dollar-backed stablecoin.

专家认为，尽管稳定币在具有高货币风险的市场中是有益的，但他们在西方经济体中的采用仍然不确定。根据《金融时报》的一份报告，《标准宪章》正准备推出一家香港美元支持的stablecoin。

To strengthen their positions, companies are making strategic acquisitions and partnerships. Last month, Stripe bought stablecoin platform Bridge for $1.1 billion. This was its largest acquisition ever.

为了加强自己的职位，公司正在建立战略收购和合作伙伴关系。上个月，Stripe以11亿美元的价格购买了Stablecoin平台桥梁。这是有史以来最大的收购。

Chief executive of Bank of America Brian Moynihan recently reacted to the Trump administration’s crypto plans. He noted that the bank will venture into the business if the government legalizes stablecoins. According to a recent report by BTC Today, Moynihan stated that Bank of America is capable of issuing its own stablecoin if the administration grants approval for banks to do so.

美国银行首席执行官Brian Moynihan最近对特朗普政府的加密计划做出了反应。他指出，如果政府合法化Stablecoins，银行将冒险从事业务。根据BTC今天的最新报告，Moynihan表示，如果政府批准银行这样做，美国银行能够发行自己的Stablecoin。

Meanwhile, the European Union has put in place new compliance rules. The UK’s financial regulator is expected to issue guidance later this year.

同时，欧盟制定了新的合规规则。预计英国的金融监管机构将在今年晚些时候发布指导。

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