日本的第二大银行SMFG准备推出一个Stablecoin平台

日本第二大银行Sumitomo Mitsui金融集团（SMFG）准备与Ava Labs和Fireblocks合作推出Stablecoin平台。

Japan’s second-largest lender, Sumitomo Mitsui Financial Group Inc (SMFG), is launching a stablecoin platform with the assistance of Ava Labs and Fireblocks, both U.S. companies.

日本的第二大贷方Sumitomo Mitsui Financial Group Inc（SMFG）在美国两家公司的Ava Labs和Fireblocks的协助下推出了Stablecoin平台。

Ava Labs is providing blockchain infrastructure for the project, while Fireblocks will be in charge of managing digital assets and transaction security systems.

AVA Labs正在为该项目提供区块链基础架构，而FireBlocks将负责管理数字资产和交易安全系统。

The initiative marks a significant step forward for Japan in integrating blockchain technology with its financial business.

该计划标志着日本在将区块链技术与其金融业务相结合的重要一步。

Testing for the stablecoin platform is set to begin in the second half of 2025, with the aim of a full launch in 2026, Nikkei reports.

Nikkei报道说，对Stablecoin平台的测试将于2025年下半年开始，目的是在2026年全面发布。

SMFG Partners with U.S. Firms to Launch Fiat-Backed Stablecoin

SMFG与美国公司合作推出菲亚特支持的Stablecoin

Sumitomo Mitsui Financial Group Inc is joining forces with two leading U.S. companies in the sphere of blockchain and digital asset management to launch a stablecoin backed by fiat currency. This endeavor will see Ava Labs, a recognized innovator in distributed ledger development, and Fireblocks, a firm specializing in digital asset protection and transaction security systems, collaborate with SMFG.

Sumitomo Mitsui Financial Group Inc与两家美国领先的公司在区块链和数字资产管理领域联合起来，以启动以法定货币为支持的Stablecoin。这项工作将看到与SMFG合作的专门从事数字资产保护和交易安全系统的公司Ava Labs，这是分布式分类帐开发中公认的创新者，而Fireblocks是一家专门从事数字资产保护和交易安全系统的公司。

Further technical support will be provided by TIS Inc., a Japanese IT company, to build the technical framework for the project.

日本IT公司Tis Inc.将提供进一步的技术支持，以建立该项目的技术框架。

The project will enter the testing phase with a demonstration experiment in late 2025. As part of this program, the bank will examine the efficiency of stablecoin transactions for inter-company payments and assess whether they meet the market need.

该项目将在2025年末通过示范实验进入测试阶段。作为该计划的一部分，银行将研究Stablecoin交易的效率，以进行公司间付款，并评估它们是否满足市场需求。

Upon successful completion of this initiative, which is anticipated to transpire in 2026, SMFG aims to officially release its stablecoin.

在成功完成该倡议（预计将在2026年爆发）后，SMFG的目标是正式释放其稳定的人。

Japan Moves Toward Advanced Financial System

日本转向高级金融体系

In a significant move toward advanced financial system regulations, Japan is taking decisive action in the stablecoin sector. Circle, the issuer of USDC, has become the first international stablecoin company to receive approval for its operations in Japan as a stablecoin provider.

在朝着高级金融体系法规迈出的重大行动中，日本正在稳定行业采取果断行动。 USDC的发行人Circle已成为第一家因在日本作为Stablecoin提供商在日本运营而获得批准的国际Stablecoin公司。

This regulatory achievement showcases Japan’s commitment to establishing professional digital currency frameworks that prioritize security. With this approval, the door is now open for additional companies to launch their projects as the country expands its stablecoin market.

这项监管成就展示了日本对确定优先级安全的专业数字货币框架的承诺。经批准，随着该国扩大其Stablecoin市场的扩大，该公司现在可以为其他公司开放其项目。

The Japanese government is continually updating regulatory rules to provide greater options for stablecoin operators. Previously, stablecoins in Japan could only derive their value from demand deposits. However, a recent proposal in February proposes that issuers can use short-term government bonds and fixed-term deposits in addition to demand deposits as the collateral asset base for their stablecoins. This modification would render the stablecoins even more dependable while providing issuers with increased capability to manage their reserve assets.

日本政府正在不断更新监管规则，以为Stablecoin运营商提供更多选择。以前，日本的Stablecoins只能从需求存款中获得其价值。但是，2月份的一项最新提案建议发行人可以使用短期政府债券和定期存款，而要求存款作为其稳定的抵押品资产基础。这种修改将使Stablecoins更加可靠，同时为发行人提供了管理其储备资产的能力。

Stablecoins to Boost Transaction Efficiency and Lower Costs in Japan

稳定币以提高交易效率和降低日本的成本

Despite these positive changes, Japanese regulatory bodies have also implemented specific rules to safeguard the financial stability of the market. The maximum allowed distribution for stablecoin reserve funds by issuers is 50% in government bonds or fixed-term deposits. These restrictive banking limits are set to maintain market confidence and ensure proper supervision of stablecoins for financial security.

尽管发生了这些积极的变化，但日本监管机构还实施了特定的规则，以维护市场的财务稳定性。发行人的Stablecoin储备金资金的最大分配为政府债券或定期存款中的最大分配。这些限制性的银行业务限制旨在保持市场信心，并确保对稳定的金融安全进行适当的监督。

As Japan's regulatory framework for cryptocurrencies continues to evolve, the country is reaping the benefits of innovation in stablecoin technology. The implementation of stablecoins would significantly enhance transaction efficiency, rendering it more beneficial for businesses and individuals.

随着日本加密货币的监管框架不断发展，该国正在从Stablecoin技术中获得创新的好处。 Stablecoins的实施将大大提高交易效率，从而对企业和个人更有益。

These assets are capable of reducing the fees for transactions to a level lower than current banking costs. Another main advantage of blockchain transactions is the superior security they provide, which in turn ensures the transparency of transactions, rendering them tamper-proof. The promise of substantial advantages is luring international banking organizations to Japan, establishing the country as a prime location for the controlled use of digital assets.

这些资产能够将交易费用降低到低于当前银行成本的水平。区块链交易的另一个主要优点是它们提供的出色安全性，从而确保了交易的透明度，从而使它们防篡改。具有重大优势的承诺是将国际银行组织诱使日本，将该国确立为受控使用数字资产的主要地点。

As SMFG prepares to launch its stablecoin platform in the second half of 2025, the country is making notable progress in merging blockchain technology with its financial business infrastructure.

当SMFG准备在2025年下半年启动其Stablecoin平台时，该国在将区块链技术与金融业务基础设施合并方面取得了显着进展。