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Robinhood 和 Revolut 考虑推出稳定币 随着 Robinhood Markets 和 Revolut 等主要金融科技公司探索发行自己的稳定币,随着欧洲监管收紧,该行业即将面临颠覆。
Fintech firms are considering issuing their own stablecoins as the regulatory landscape shifts and the market expands.
随着监管环境的变化和市场的扩大,金融科技公司正在考虑发行自己的稳定币。
Robinhood and Revolut are among the companies exploring the possibility of launching stablecoins, according to several sources with direct knowledge of the matter. The move comes amid growing interest in stablecoins, which are cryptocurrencies pegged to fiat currencies like the U.S. dollar, and a regulatory clampdown in the European Union.
据几位直接了解此事的消息人士透露,Robinhood 和 Revolut 是探索推出稳定币可能性的公司之一。此举是在人们对稳定币(与美元等法定货币挂钩的加密货币)日益浓厚的兴趣以及欧盟的监管限制之际做出的。
While the sources cautioned that no final decisions have been made and the companies could still opt out of issuing stablecoins, the prospect of disrupting the market and countering the dominance of業者 Tether is a key consideration.
尽管消息人士警告说,尚未做出最终决定,并且公司仍可以选择不发行稳定币,但扰乱市场并对抗 Tether 主导地位的前景是一个关键考虑因素。
Tether's USDT stablecoin currently accounts for over two-thirds of the $170 billion stablecoin market, according to data from CoinGecko. This market is poised for further disruption as the EU prepares to roll out the Markets in Crypto-Assets (MiCA) regulation, which will introduce licensing requirements for stablecoin issuers.
根据 CoinGecko 的数据,Tether 的 USDT 稳定币目前占 1700 亿美元稳定币市场的三分之二以上。随着欧盟准备推出加密资产市场(MiCA)监管,该市场将受到进一步干扰,该监管将对稳定币发行人提出许可要求。
The Impact of European Union’s MiCA Regulations
欧盟 MiCA 法规的影响
The MiCA regulations will impose stringent requirements on stablecoin issuers, including the need for an electronic-money license and specific asset reserves held at independent banks. This framework aims to enhance transparency and stability within the crypto sector, but it could force non-compliant issuers like Tether to withdraw their tokens from EU-based exchanges.
MiCA 法规将对稳定币发行人提出严格要求,包括需要电子货币许可证以及在独立银行持有特定资产储备。该框架旨在提高加密货币领域的透明度和稳定性,但它可能会迫使 Tether 等不合规发行人从欧盟交易所撤回其代币。
In anticipation of the upcoming regulatory shifts, several exchanges, including OKX, Uphold, and Bitstamp, have already delisted Tether's USDT. This move is intended to align with the changing regulatory landscape, رغم that it puts these platforms at a competitive disadvantage in terms of market coverage.
由于预计即将到来的监管变化,包括 OKX、Uphold 和 Bitstamp 在内的多家交易所已经下架了 Tether 的 USDT。此举旨在适应不断变化的监管环境,因为它使这些平台在市场覆盖范围方面处于竞争劣势。
The profitability of stablecoins is also attracting new entrants to the market. As interest rates rise, Tether reported earning $5.2 billion in the first half of 2024, largely from the reserves backing USDT. This revenue stream has caught the attention of other fintech firms,促使 them to consider launching their own stablecoins to capitalize on the growing demand and financial returns.
稳定币的盈利能力也吸引了新进入者。随着利率上升,Tether 报告 2024 年上半年盈利 52 亿美元,主要来自支持 USDT 的储备。这种收入来源引起了其他金融科技公司的注意,促使他们考虑推出自己的稳定币,以利用不断增长的需求和财务回报。
Stablecoins are being increasingly used for payments, especially in regions facing economic instability. In countries like Brazil, Indonesia, and Turkey, almost half of crypto users purchase stablecoins to hedge against currency volatility, while others use them for day-to-day transactions and salaries.
稳定币越来越多地用于支付,特别是在经济不稳定的地区。在巴西、印度尼西亚和土耳其等国家,近一半的加密货币用户购买稳定币来对冲货币波动,而其他人则将其用于日常交易和工资。
As more companies enter the stablecoin market, a “hyper-fragmentation” scenario may emerge, with various financial apps and institutions issuing their own tokens. According to BitGo’s head of product, Nuri Chang, this could lead to a seamless user experience where switching between different stablecoins becomes almost unnoticeable to the end user.
随着越来越多的公司进入稳定币市场,可能会出现“超级碎片化”的情况,各种金融应用程序和机构都会发行自己的代币。 BitGo 的产品主管 Nuri Chang 表示,这可能会带来无缝的用户体验,最终用户几乎不会注意到不同稳定币之间的切换。
However, the market is also likely to face competition from traditional financial institutions and mainstream brands that are eyeing the stablecoin space. PayPal, for example, launched its own stablecoin, though its circulation has since declined.
然而,市场也可能面临来自传统金融机构和关注稳定币领域的主流品牌的竞争。例如,PayPal 推出了自己的稳定币,尽管其发行量此后有所下降。
Meanwhile, companies like Societe Generale's SG-Forge are proactively obtaining EU licenses and expanding their stablecoin offerings, viewing the MiCA regulations as a catalyst for market transformation.
与此同时,法国兴业银行的 SG-Forge 等公司正在积极获得欧盟许可证并扩大其稳定币产品,将 MiCA 法规视为市场转型的催化剂。
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