Circle欲与超级基金合作推出澳元稳定币

卡内基先生 – 前商业银行家，创立了卡内基威利 (Carnegie Wylie)

Mr Carnegie, a former merchant banker, established Carnegie Wylie.

卡内基先生曾是一名商业银行家，他创立了 Carnegie Wylie。

At the same time, he hopes to persuade large superannuation funds to consider alternative payment technologies, something he admits might be a hard sell. But Mr Carnegie said global banks make $170 billion from investors and companies for moving international payments over the Swift network, which could mean big savings.

与此同时，他希望说服大型养老基金考虑替代支付技术，他承认这可能很难推销。但卡内基先生表示，全球银行通过 Swift 网络进行国际支付从投资者和公司那里获得了 1700 亿美元的收入，这可能意味着巨额节省。

“I have always thought a natural partner for us is a super fund. They’re trying to attack Australian banking system profit pools. And when I look at [traditional finance], we can take rapacious trading fees out of the system,” Mr Carnegie said.

“我一直认为超级基金是我们天然的合作伙伴。他们正试图攻击澳大利亚银行系统的利润池。当我审视[传统金融]时，我们可以将贪婪的交易费用从系统中剔除，”卡内基先生说。

“I’m hoping we can show there are hundreds of millions of dollars of forex [foreign exchange] trading fees, where super funds are getting their faces ripped off by Macquarie Bank and the other incumbent banks.”

“我希望我们能够证明有数亿美元的外汇交易费用，超级基金正在被麦格理银行和其他现有银行撕破脸皮。”

USD Coin is a so-called stablecoin, a cryptocurrency that is designed to have a stable price because it is linked to a fiat currency. USDC is backed by cash and short-term government debt, held in banks and redeemable one-for-one for US dollars. The company wants the United States to introduce specific laws to regulate its use.

美元硬币是一种所谓的稳定币，是一种因与法定货币挂钩而具有稳定价格的加密货币。 USDC 以现金和短期政府债务为后盾，存放在银行，可一对一兑换为美元。该公司希望美国出台具体法律来规范其使用。

The $US36 billion of USDC in circulation is down from a peak above $US56 billion in mid-2022, before the collapse of FTX led to investors exiting the cryptocurrency market. Separately, the value of USD Coin fell below its US dollar peg when Circle said it had $US3.3 billion tied up in the collapsed Silicon Valley Bank last year.

流通中的 USDC 价值 360 亿美元，较 2022 年中期 FTX 崩溃导致投资者退出加密货币市场之前超过 560 亿美元的峰值有所下降。另外，当 Circle 去年表示其在倒闭的硅谷银行中持有 33 亿美元资金时，美元硬币的价值跌破了与美元挂钩的汇率。

It recovered to parity with the US dollar only a week later.

仅一周后，它就恢复到与美元平价。

Earlier this month, the Reserve Bank said it is exploring a central bank digital currency (CBDC) version of the Australian dollar that could help banks settle trades that use blockchain technology to save billions in back-office efficiencies. ANZ and Commonwealth Bank told The Australian Financial Review Crypto and Digital Asset Summit last week that they were also exploring forms of digital money, including “tokenised” deposits.

本月早些时候，澳大利亚储备银行表示正在探索澳元的央行数字货币（CBDC）版本，该版本可以帮助银行使用区块链技术结算交易，从而节省数十亿美元的后台效率。澳新银行和联邦银行上周在澳大利亚金融评论加密货币和数字资产峰会上表示，他们也在探索数字货币的形式，包括“代币化”存款。

However, Circle’s chief business officer Kash Razzaghi said bank digital money was different to USD Coin, “which was founded on a belief about open platforms, like what the internet did for content, by making it ubiquitous with costs close to zero”.

然而，Circle 首席商务官 Kash Razzaghi 表示，银行数字货币与美元硬币不同，“美元硬币是建立在对开放平台的信念之上的，就像互联网对内容的作用一样，通过使其无处不在，成本接近于零”。

He questioned whether banks would ever introduce a new form of money that would make it easier for deposits to leave a bank, given these are critical funding sources. It may also be more difficult for those cryptocurrencies to interact, he added.

他质疑银行是否会引入一种新的货币形式，使存款更容易离开银行，因为这些是重要的资金来源。他补充说，这些加密货币的交互可能也更加困难。

“We are making a bet that money moves on the [block]chain, but tokenised deposits and CBDCs are, generally speaking, closed-loop systems. Bank customers can take advantage, but what if your Hotmail didn’t talk to Gmail, so you couldn’t send emails across providers?”

“我们打赌资金在[区块]链上流动，但代币化存款和 CBDC 一般来说是闭环系统。银行客户可以利用这一点，但如果您的 Hotmail 不与 Gmail 通信，因此您无法跨提供商发送电子邮件怎么办？”

MHC Digital and Circle may work together to create an Australian dollar stablecoin in the future, which could compete with existing smaller digital currencies.

MHC Digital 和 Circle 未来可能会合作创建澳元稳定币，与现有的小型数字货币竞争。

“Is [USD Coin] the end state of how crypto stablecoins will work for Australia? No, it’s not,” Mr Carnegie said. “But USDC could persist for a decade given the slow speed of regulation. And we want to be ahead of the curve when regulators do embrace this technology, as we see crypto is a vastly better mousetrap for international payments.”

“[USD Coin] 是加密稳定币在澳大利亚发挥作用的最终状态吗？不，事实并非如此，”卡内基先生说。 “但鉴于监管速度缓慢，USDC 可能会持续十年。当监管机构真正采用这项技术时，我们希望走在前面，因为我们认为加密货币对于国际支付来说是一个更好的陷阱。”