“ Doge”如何改变世界银行业务 - 符合“ Doge”的数字资产的兴起

在过去的几年中，数字资产的速度和透明度的兴起越来越多地渗透到全球金融体系和

Over the last few years, digital assets have increasingly permeated the global financial system and economies in many jurisdictions. Their speed and transparency have made them a natural fit for the 21st-century economy. Recent events have brought the US government's focus on efficiency, DOGE, to the forefront, turning its full attention to the US Department of Treasury and its central bank, the Federal Reserve System.

在过去的几年中，数字资产越来越多地渗透到许多司法管辖区的全球金融体系和经济体中。他们的速度和透明度使它们自然适合21世纪的经济。最近的事件使美国政府对效率，总督，最前沿的关注，将其全部关注转移到美国财政部及其中央银行美联储系统。

Over a decade ago, the rise of Bitcoin as a speculative instrument with an innovative non-inflationary value, coupled with its transparent ability to move with minimal cost value anywhere and anytime at the push of a button, gave the banking and financial industry its first insight into how it would be transformed into DOGE compliant banking. Fast forward ten years, the USDC stablecoin (backed by Goldman Sach, BlackRock and Fidelity) has a yearly transaction volume of 18 Trillion US Dollars. Furthermore, SWIFT Data reveals that the US Dollar is fast displacing the second largest currency, the Euro, in all transactions world-wide © Statista 2025. A sudden ‘de-Euroization’ is happening and unfortunately Europeans seem increasingly impotent to arrest the Euro’s slump — the fall in use can be possibly attributed to expansion of the US economy relative to Europeans, or the increasing adoption of the US stablecoins as the global exchange medium.

十多年前，比特币作为具有创新性非通向价值的投机工具的兴起，再加上其透明的能力，可以在一个按钮时在任何地方和任何时间以最小的成本价值移动，并为银行业和金融行业提供了第一个深入了解如何将其转变为符合Doge的银行业务。快进了十年，USDC Stablecoin（由高盛，贝莱德（Blackrock）和富达（Fidelity）支持）年度交易量为18万亿美元。此外，Swift数据表明，美元在全球范围内所有交易中的第二大货币（欧元）迅速取代©Statista 2025。 - 使用的下降可能归因于美国经济相对于欧洲人的扩大，或者越来越多地采用美国稳定的人作为全球交换媒介。

What’s happened to the EURO portends the same for other global currencies:

欧元发生的事情对其他全球货币的预期也相同：

The Great Britain Pound (GBP) is following the same trajectory as the Euro. As the rise of USD stablecoins are increasing through positive US banking legislation and resulting legacy US bank adoption, the natural effect is the use of GBP in the UK is being diminished and supplanted by the use of USD stablecoins. According to a recent analysis of Ethereum node deployment (one of the largest USDC networks) by ethernodes.org and assuming an equal usage distribution for USDC, this would indicate the UK represents a potential exposure to 4 percent use of the recent $18 trillion of USDC worldwide yearly transactions — notwithstanding the complicated and subjective algebraic analyses employed to calculate USDC usage.

大不列颠磅（GBP）遵循与欧元相同的轨迹。随着美国银行立法的积极立法和导致美国银行采用的遗产的兴起的增加，自然而然的效果是在英国使用GBP的使用被减少并取代了使用美元的Stablecoins。根据最近对以太坊节点部署（USDC网络最大的网络之一）的分析，并假设USDC的使用均等分布，这将表明英国在最近的18亿美元使用USDC的近期使用中可能暴露于4％的使用率。全球年度交易 - 尽管用于计算USDC使用的复杂和主观代数分析。

To put this in perspective, an equivalent of 23 percent of the UK’s GDP (£2.53 trillion) is using USDC in transactions. Consequently, this has a significant deleterious impact on UK monetary and fiscal policies. Furthermore, to compound the sense of evitability, the major competitor to USDC, Tether is significantly larger (double the size) and in no doubt adding to the effect more than USDC.

考虑到这一点，相当于英国GDP的23％（2.53万亿英镑）在交易中使用了USDC。因此，这对英国的货币和财政政策产生了重大有害影响。此外，为了使USDC的主要竞争对手更加复杂，Tether明显更大（尺寸两倍），并且毫无疑问，效果比USDC更大。

The UK economy is increasingly choosing not to use GBP currency in its transactions, and it has instead chosen to use the more efficient, transparent, digital asset ‘stores of value’ of US stablecoins, a voluntary adoption of DOGE compliant assets:

英国经济越来越多地选择不在其交易中使用GBP货币，而是选择使用美国稳定币的效率更高，透明，数字资产的“价值存储”，这是自愿采用Doge合规资产的：

US stablecoins are having an outsize effect on smaller economies. Because of the US economy’s size compared to other smaller ones, the practicable advantage of using US stablecoins is too overwhelming for local and international businesses to disregard. Like many other developed countries’ banking systems, the UK banking industry is fast approaching the point of no return. Using the current USDC yearly growth rate of 50 percent, the UK will potentially pass the 50 percent mark of an equivalent of its GDP being conducted in USD stablecoins in just 24 months.

美国稳定者对较小的经济体产生了极大的影响。由于与其他较小较小的经济相比，美国经济规模的规模，使用美国稳定的可行优势对于本地和国际企业而言，无法无视。像许多其他发达国家的银行系统一样，英国银行业正在迅速接近无回报的地步。使用当前的USDC年度增长率为50％，英国将在短短24个月内在USD Stablecoins进行的GDP的50％标记。

It is not just the US that is assessing the impact and benefits of digital money. In a recent speech at the University of Chicago Booth School of Business in London, the Governor of the Bank of England, Andrew Baily, said: “I think the question is how do we get the benefits of digital technology in the world of payments. If we were to assume there are no benefits of digital technology in the world of payments, we would probably be failing the test of imagination,” using the analogy of when Apple introduced the iPhone. Apple surveyed potential customers, asking whether they would like a phone with certain characteristics, and most respondents said, “no — that’s a failure of imagination”.

评估数字资金的影响和好处的不仅是美国。英格兰银行州长安德鲁·贝利（Andrew Baily）在伦敦芝加哥大学商学院的最近演讲中说：“我认为问题是我们如何在付款领域获得数字技术的好处。如果我们假设在付款领域没有数字技术对数字技术没有好处，那么我们可能会失败的想象力考验。苹果对潜在客户进行了调查，询问他们是否想要具有某些特征的电话，大多数受访者说：“不，这是一个想象力的失败”。

Meanwhile in Europe, Nordea’s Chief Digital Currency Strategist, Ville Sointu, claims that: “20 major eurozone banks are currently assessing the financial impact of this sweeping change, which would require updates to everything from ATMs to mobile banking apps by the end of the decade.”

与此同时，在欧洲，Nordea的首席数字货币策略师Ville Sointu声称：“ 20个主要的欧元区银行目前正在评估这一全面变化的财务影响，这将需要在十年结束时对从ATMS到移动银行应用程序的所有内容进行更新。”

Increasingly, users and customers are making their own choices to which ‘money’ to use for storing value and in their transactions. The relatively ‘few’ governments and legacy banks are only now recognising future transactions will increasingly have little to do with them in their current form. Banks are, however, still needed for ‘trust’ and ‘verification’ (‘on-boarding’ of assets and customers as well as the ‘off-ramps’ when value is exchanged back into the legacy economy). To remain relevant (and to be able to collect taxes and fees in this new digital, asset-based, AI enabled, title economy), banks need to embrace the new technologies and payment alternatives and their core value propositions.

用户和客户越来越多地做出自己的选择，用于存储价值和交易中的“金钱”。相对“少数”的政府和传统银行现在才意识到未来的交易将与当前形式无关。但是，银行仍然需要“信任”和“验证”（资产和客户的“登机”以及当价值恢复到传统经济中时的“外坡道”）。为了保持相关性（并能够在这款新的数字，基于资产的AI启用，产权经济的新技术中收取税收和费用），银行需要接受新技术和付款替代方案及其核心价值主张。