全球银行巨头加速布局稳定币市场

随着 Tether 准备宣布 2024 年利润突破 100 亿美元，创历史新高，全球银行巨头正在加速布局稳定币市场。

As Tether prepares to announce record profits exceeding $10 billion for 2024, global banking institutions are accelerating their positioning in the stablecoin market. From Société Générale to Deutsche Bank, traditional financial giants are multiplying initiatives to not miss this crypto revolution.

随着 Tether 准备宣布 2024 年利润突破 100 亿美元，创历史新高，全球银行机构正在加速布局稳定币市场。从法国兴业银行到德意志银行，传统金融巨头正在采取多种举措，以免错过这场加密革命。

Banks at the Forefront of Stablecoin Innovation

银行处于稳定币创新的前沿

The meteoric success of Tether Holdings in 2024 does not go unnoticed. By recording net profits exceeding $10 billion, Tether, issuer of the USDT stablecoin, has become an essential player in the crypto ecosystem.

Tether Holdings 在 2024 年的飞速成功并没有被忽视。 USDT 稳定币发行商 Tether 净利润超过 100 亿美元，已成为加密生态系统中重要的参与者。

In light of these performances, many banks, particularly in Europe and Asia, are actively preparing their entry into the stablecoin market.

鉴于这些表现，许多银行，特别是欧洲和亚洲的银行，正在积极准备进入稳定币市场。

In Europe, ambitious initiatives are emerging. Société Générale, through its subsidiary SG-Forge, has launched a stablecoin backed by the euro, now accessible to individual investors.

在欧洲，雄心勃勃的举措正在涌现。法国兴业银行通过其子公司 SG-Forge 推出了一种由欧元支持的稳定币，现已向个人投资者开放。

In Germany, Oddo BHF bank is developing a stablecoin, while the British Revolut is considering a similar project. DWS, a subsidiary of Deutsche Bank, also plans to launch in 2025, just like BBVA in Spain, which is collaborating with Visa on a pilot project.

在德国，Oddo BHF 银行正在开发一种稳定币，而英国 Revolut 正在考虑类似的项目。德意志银行子公司 DWS 也计划于 2025 年推出，就像西班牙的 BBVA 正在与 Visa 合作开展试点项目一样。

In Asia, the enthusiasm is equally palpable. A consortium led by Standard Chartered is testing a stablecoin pegged to the Hong Kong dollar. This dynamic reflects a growing adoption and a desire to meet the needs of the global market.

在亚洲，人们的热情同样明显。由渣打银行牵头的一个财团正在测试一种与港元挂钩的稳定币。这种动态反映了越来越多的采用和满足全球市场需求的愿望。

A Global Expansion Marked by Regulatory Challenges

以监管挑战为标志的全球扩张

In the United States, despite a marked interest in stablecoins, major banks are taking a more cautious approach, conditioned by the evolution of the regulatory framework. JPMorgan Chase, a pioneer with its JPM Coin token, now envisions a coexistence between traditional stablecoins and its own deposit tokens.

在美国，尽管人们对稳定币表现出浓厚的兴趣，但受监管框架演变的影响，各大银行正在采取更加谨慎的态度。摩根大通是 JPM Coin 代币的先驱，现在设想传统稳定币和自己的存款代币之间能够共存。

According to Naveen Mallela of Kinexys, the bank’s digital asset unit, stablecoins issued by banking institutions will become commonplace within three years.

该银行数字资产部门 Kinexys 的 Naveen Mallela 表示，银行机构发行的稳定币将在三年内变得司空见惯。

The necessary technological infrastructure is gradually taking shape, particularly with Visa’s tokenization network planned for 2025. Cuy Sheffield, head of Visa’s crypto division, highlights a growing demand coming from Asian and South American financial institutions.

必要的技术基础设施正在逐渐形成，特别是计划于 2025 年推出 Visa 代币化网络。Visa 加密部门负责人 Cuy Sheffield 强调，亚洲和南美金融机构的需求不断增长。

However, concerns remain. The ECB warns of potential risks to financial stability, notably the possible erosion of traditional bank deposits. In the United States, questions regarding the nature of reserves backing stablecoins and their insurance coverage remain unresolved.

然而，担忧依然存在。欧洲央行警告金融稳定存在潜在风险，特别是传统银行存款可能受到侵蚀。在美国，有关支持稳定币的储备的性质及其保险范围的问题仍未解决。

In summary, the enthusiasm of traditional banks for stablecoins, catalyzed by the resounding success of Tether, marks a decisive turning point in the evolution of the global financial system. Nevertheless, the success of this transition will largely depend on the regulators’ capacity to establish a clear and balanced framework, permitting innovation while ensuring financial stability.

总而言之，在 Tether 的巨大成功催化下，传统银行对稳定币的热情标志着全球金融体系演变的决定性转折点。然而，这一转型的成功将在很大程度上取决于监管机构建立清晰、平衡的框架的能力，从而在确保金融稳定的同时允许创新。

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Passionate about Bitcoin, I like to explore the ins and outs of blockchain and cryptos and I share my discoveries with the community. My dream is to live in a world where privacy and financial freedom are guaranteed for all, and I firmly believe that Bitcoin is the tool that can make this possible.

我对比特币充满热情，喜欢探索区块链和加密货币的细节，并与社区分享我的发现。我的梦想是生活在一个所有人的隐私和财务自由得到保障的世界，我坚信比特币是实现这一目标的工具。