Coinbase首席执行官Brian Armstrong希望美国法律改变，以便Stablecoin持有人可以赢得利息

他认为，稳定币应像银行帐户一样工作，那里的储备金的利息直接向用户提供。

Coinbase CEO Brian Armstrong wants U.S. laws to change so that stablecoin holders can earn interest. He believes that stablecoins should work like bank accounts, where interest from reserve assets is given directly to users. Right now, stablecoin issuers obtain interest from U.S. Treasury investments they maintain the funds solely for their benefit. According to Armstrong, the situation is ethically unjust since users should get financial benefits from their stablecoin holdings.

Coinbase首席执行官Brian Armstrong希望美国法律改变，以便Stablecoin持有人能够赢得利息。他认为，稳定币应像银行帐户一样工作，那里的储备金的利息直接向用户提供。目前，Stablecoin发行人从美国财政投资中获得利息，他们仅仅为了他们的利益而维护资金。根据阿姆斯特朗（Armstrong）的说法，这种情况在道德上是不公正的，因为用户应该从其稳定的股份中获得经济利益。

Stablecoin Holders Could Earn Interest Under Proposed Regulation

Stablecoin持有人可以根据拟议的法规赚取利息

He explained his views on X, saying stablecoins have already become popular by digitizing the U.S. dollar. However, stablecoins do not allow their users to earn interest as their major limitation. Every USDC stablecoin unit contains a dollar value that stablecoin issuers keep in specific safe investments such as U.S. Treasury bonds. When the law permits it, users will get an opportunity to earn interest from their stablecoin holdings, similarly to how savings accounts function.

他解释了他对X的看法，称Stablecoins已经通过数字化美元来流行。但是，Stablecoins不允许其用户获得利息作为主要限制。每个USDC Stablecoin单位都包含一个美元价值，Stablecoin发行人将其保留在特定的安全投资中，例如美国财政债券。当法律允许时，用户将有机会从他们的Stablecoin持股中赚取利息，这与储蓄帐户的运作方式类似。

Armstrong suggests that introducing interest on digital currency would benefit multiple users. Financial institution savings accounts in the United States provide minimal interest rates ranging between 0.01% and 0.01%. U.S. Treasury bonds provide investors with returns exceeding 4% at present.

阿姆斯特朗（Armstrong）建议，引入对数字货币的兴趣将使多个用户受益。美国的金融机构储蓄账户提供的利率最低在0.01％至0.01％之间。美国国库券目前为投资者提供超过4％的回报。

Meanwhile, low-interest savings accounts become less effective through inflation since money suffers decreased purchasing power over time. Users can earn more substantial interest rates by holding stablecoins, which allows them to develop their savings more rapidly.

同时，由于资金随着时间的推移而损害购买力的降低，因此低利息储蓄帐户的效率降低了。用户可以通过持有Stablecoins来赚取更大的利率，这使他们能够更快地开发储蓄。

The adoption of this system would provide financial advantages to citizens residing in developing nations. People across numerous nations lack both bank institutions and dependable financial tender. According to Armstrong, stablecoins would provide users with safe money storage together with interest-earning capabilities, which do not require bank access. Financial services normally inaccessible would be available through any internet connection, allowing people to seek these services.

该系统的采用将为居住在发展中国家的公民提供财务优势。众多国家的人们都缺乏银行机构和可靠的财务招标。根据阿姆斯特朗的说法，Stablecoins将为用户提供安全的货币存储以及赚取赚钱的能力，这些功能不需要银行访问。通常无法通过任何互联网连接获得金融服务，使人们可以寻求这些服务。

Stablecoins Could Revolutionize Banking with Interest

Stablecoins可能会以兴趣彻底改变银行业务

The modifications proposed for the economy would benefit the U.S. economy as a whole. The existing U.S. Treasury bond holdings managed by stablecoin issuers exceed those of certain national governments. An interest-bearing stablecoin system would drive worldwide dollar demand up because users would prefer this solution over other payment methods. The additional funds held by people would drive both consumption and savings, and investment activities toward economic expansion.

为经济提出的修改将使整个美国经济有利。由Stablecoin发行人管理的现有美国财政债券持有量超过了某些国家政府的持股。承担利息的稳定系统将推动全球美元需求，因为用户更喜欢这种解决方案，而不是其他付款方式。人们持有的额外资金将推动消费和储蓄，以及用于经济扩张的投资活动。

However, the existing laws prevent such transactions from taking place. Security regulations prevent stablecoin issuers from giving any interest benefits to their customers because of the existing laws. According to Armstrong, the existing rules regarding stablecoins need an update because they restrict their operation like regular savings accounts do.

但是，现有的法律阻止了此类交易进行。安全法规阻止了由于现有法律，确定性发行人无法向其客户提供任何利息福利。根据阿姆斯特朗（Armstrong）的说法，有关Stablecoins的现有规则需要更新，因为它们像常规储蓄帐户一样限制了运营。

President Donald Trump asked Congress to establish stablecoin regulations during his recent remarks. He stated in March that stablecoins have the potential to strengthen the global position of the U.S. dollar. The banking system faces criticism from him regarding its challenging policies that affect both cryptocurrency operations and their respective customers. The moment is ideal, according to Armstrong, for the government to step forward.

唐纳德·特朗普（Donald Trump）总统在最近的讲话中要求国会制定Stablecoin法规。他在3月说，Stablecoins有可能加强美元的全球地位。银行系统面临着他对影响加密货币运营及其各自客户的具有挑战性政策的批评。根据阿姆斯特朗的说法，这一时刻是理想的，供政府向前迈进。

Stablecoins have the potential to offer financial benefits currently provided by bank accounts once new laws are approved by the government. No intermediaries would claim interest payments because users could receive them personally. The financial system would get better for everyone in Armstrong’s vision as stablecoins would emerge as true alternatives to traditional banking services.

一旦政府批准了新法律，Stablecoins有可能提供银行帐户目前提供的财务福利。没有中介机构会要求支付利息，因为用户可以亲自收到他们。由于Stablecoins将成为传统银行服务的真正替代品，金融体系将对阿姆斯特朗的愿景中的每个人都变得更好。