为什么数字欧元优先

欧洲央行表示，如果没有数字欧元，欧洲银行将在交易中失去中介人的角色。

The European Central Bank (ECB) is prioritizing the launch of a digital euro to counter the potential threat posed by US-backed stablecoins, which could undermine the euro and disrupt the traditional banking system, according to a senior official.

一位高级官员称，欧洲中央银行（ECB）正在优先推出数字欧元，以应对美国支持的Stablecoins构成的潜在威胁，该威胁可能会破坏欧元并破坏传统的银行体系。

ECB executive board member Fabio Panetta highlighted the urgency of introducing a digital euro during a speech at the University of Zurich on Monday. He pointed to US President Donald Trump's recent executive order on digital assets, which encourages the development of stablecoins.

欧洲央行执行委员会成员Fabio Panetta强调了周一在苏黎世大学的演讲中引入数字欧元的紧迫性。他指出，美国总统唐纳德·特朗普（Donald Trump）最近对数字资产的行政命令，这鼓励了稳定币的发展。

“The digital euro is a priority for the ECB because, without it, European banks will lose their role as intermediaries in transactions," Cipollone said.

Cipollone说：“数字欧元是欧洲央行的优先事项，因为没有它，欧洲银行将失去交易中的中介。”

“The issue is the global expansion of stablecoins which will displace euro-denominated transactions and weaken the banking sector's power.”

“问题是全球稳定者的扩张将取代以欧元为基础的交易并削弱银行业的权力。”

The move to prioritize the digital euro comes amid growing concerns among European policymakers about the impact of stablecoins, which are pegged to fiat currencies like the US dollar and are designed to offer a stable store of value.

在欧洲决策者对稳定币的影响之间越来越担心的数字欧元优先级的举动，这些欧元越来越担心，该股币的影响是与美元（如Dollar）挂钩的，旨在提供稳定的价值存储。

The ECB has previously warned that stablecoins could pose risks to financial stability and the monetary system if they are not properly regulated.

欧洲央行此前曾警告说，如果不适当监管稳定的稳定性，则可能对财务稳定和货币体系构成风险。

A digital euro would provide consumers with a safe and regulated way to make digital payments, while also ensuring stability by being integrated with the existing banking infrastructure, Panetta said.

Panetta说，数字欧元将为消费者提供一种安全且受监管的方式来进行数字付款，同时还通过与现有的银行基础设施集成来确保稳定。

Unlike dollar-pegged stablecoins, which operate outside of banks, the digital euro would allow users to deposit a limited number of euros into digital wallets for daily transactions.

与在银行外运营的Dollar Peggggggggggggggging stablecoins不同，数字欧元将允许用户将有限数量的欧元存放到数字钱包中进行日常交易。

However, the introduction of a digital euro also faces several challenges, including the need for a comprehensive regulatory framework, consumer and business adoption, and the development of a secure and scalable technical infrastructure, Panetta noted.

但是，数字欧元的引入也面临着几个挑战，包括需要全面的监管框架，消费者和业务采用，以及开发安全且可扩展的技术基础设施。

Trump's executive order explicitly rules out a US central bank digital currency (CBDC), saying it could pose a risk to financial stability and personal privacy.

特朗普的行政命令明确排除了美国中央银行数字货币（CBDC），称其可能对金融稳定和个人隐私构成风险。

Instead, the administration is focusing on private-sector innovation and regulatory clarity to facilitate the growth of stablecoins.

取而代之的是，政府着重于私营部门的创新和监管清晰度，以促进稳定的人的增长。

As the EU deliberates over the introduction of a digital euro, stablecoins have been rapidly gaining ground in the digital asset space.

随着欧盟考虑引入数字欧元的引入，Stablecoins在数字资产领域迅速获得了基础。

The total market capitalization of stablecoins recently hit an all-time high of $213 billion, with Tether (USDT) alone accounting for about $140 billion.

Stablecoins的总市值最近达到了2130亿美元的历史高峰，仅Tether（USDT）仅占1400亿美元。

The fast adoption of stablecoins underscores the growing demand for digital dollars in international trade and cross-border payments, according to Panetta.

帕纳塔（Panetta）表示，稳定币的迅速采用强调了对国际贸易和跨境支付中数字资金的需求不断增长。

“The success of the digital euro will depend on striking the right balance between innovation, regulation and stability,” he said.

他说：“数字欧元的成功将取决于在创新，法规和稳定之间达到正确的平衡。”

“The ECB will be rolling out pilots and refining its framework to stay relevant in the digital economy.”

“欧洲央行将推出飞行员，并完善其在数字经济中保持相关性的框架。”

The EU must now act decisively to prevent the dollar from solidifying its dominance in the digital financial landscape, Panetta added.

Panetta补充说，欧盟现在必须果断地采取行动，以防止美元巩固其在数字金融环境中的主导地位。