Ripple Labs 的新稳定币正式成为现实，而 Tether 正在投资能够清除 Tether 认为无法克服的合规障碍的公司

继 4 月份 Ripple 宣布其意图后，12 月 17 日，Ripple 正式推出了新的以美元计价的稳定币 RLUSD。

Stablecoin Headline News for December: RLUSD Launches, Tether Invests in StablR, and More

12 月稳定币头条新闻：RLUSD 推出、Tether 投资 StablR 等

As 2024 draws to a close, here's a quick rundown of the latest stablecoin headlines.

2024 年即将结束，以下是最新稳定币头条新闻的简要概述。

Ripple Launches RLUSD Stablecoin, Picks NYDFS as Regulator

Ripple 推出 RLUSD 稳定币，选择 NYDFS 作为监管机构

On December 17, Ripple formally launched RLUSD, its new U.S. dollar-denominated stablecoin, following Ripple’s declaration of its intentions in April. The New York Department of Financial Services (NYDFS) officially added RLUSD to its Greenlist of approved coins alongside BTC, ETH, and stablecoins issued by Gemini, Paxos Trust, and PayPal (NASDAQ: PYPL).

继 4 月份 Ripple 宣布其意图后，12 月 17 日，Ripple 正式推出了新的以美元计价的稳定币 RLUSD。纽约金融服务部 (NYDFS) 正式将 RLUSD 与 BTC、ETH 以及 Gemini、Paxos Trust 和 PayPal（纳斯达克股票代码：PYPL）发行的稳定币一起添加到其批准代币绿名单中。

Ripple said RLUSD is being issued on both the Ethereum network and Ripple’s own XRP Ledger, and will be “initially available on Uphold, Bitso, MoonPay, Archax, and CoinMENA, with additional listings on platforms such as Bullish, Bitstamp, Mercado Bitcoin, Independent Reserve, Zero Hash and others expected in the coming weeks.”

Ripple 表示，RLUSD 正在以太坊网络和 Ripple 自己的 XRP Ledger 上发行，并且“最初将在 Uphold、Bitso、MoonPay、Archax 和 CoinMENA 上提供，并在 Bullish、Bitstamp、Mercado Bitcoin、Independent 等平台上上市” Reserve、零哈希等预计将在未来几周内推出。”

Notably absent from the above list are prominent U.S. exchanges Coinbase (NASDAQ: COIN), Kraken, and Gemini, which may or may not have qualms about listing competitors to their preferred stablecoins, including Circle’s USDC, which is issued via a Coinbase partnership, and Tether’s USDT.

值得注意的是，上述名单中没有出现美国知名交易所 Coinbase（纳斯达克股票代码：COIN）、Kraken 和 Gemini，它们可能会对将竞争对手列入其首选稳定币感到不安，也可能不会，其中包括通过 Coinbase 合作伙伴发行的 Circle 的 USDC，以及Tether 的 USDT。

Ripple CEO Brad Garlinghouse stated that his company picking NYDFS as its stablecoin regulator was “a deliberate choice” given the generally unforgiving reputation that NYDFS holds following years of enforcement actions against crypto firms.

Ripple 首席执行官布拉德·加林豪斯 (Brad Garlinghouse) 表示，鉴于 NYDFS 在多年针对加密货币公司采取执法行动后普遍享有不可原谅的声誉，该公司选择 NYDFS 作为其稳定币监管机构是“经过深思熟虑的选择”。

These actions included ordering Paxos to distance itself from the Binance exchange, with which Paxos had partnered on the BUSD stablecoin. Binance had gone rogue by issuing a ‘pegged’ version of BUSD while neglecting to maintain adequate fiat reserves to ensure each of these pegged-BUSD’s was backed 1:1 with U.S. dollars.

这些行动包括命令 Paxos 与 Binance 交易所保持距离，Paxos 曾与该交易所合作开发 BUSD 稳定币。币安发行了“锚定”版本的 BUSD，却忽视了维持足够的法定储备以确保这些锚定的 BUSD 均以 1:1 的美元比例支持，从而变得无赖。

Garlinghouse said the NYDFS stamp of approval would help position RLUSD to take advantage of the increased acceptance that stablecoins are expected to enjoy under Donald Trump’s second term as U.S. president. Trump has vowed to loosen regulatory constraints on all things’ crypto,’ including installing a friendlier chairman at the Securities and Exchange Commission (SEC), with which Ripple remains locked in litigation.

Garlinghouse 表示，NYDFS 的批准将有助于 RLUSD 充分利用在唐纳德·特朗普担任美国总统的第二个任期内人们对稳定币的接受度的提高。特朗普发誓要放松对所有“加密货币”的监管限制，包括在美国证券交易委员会（SEC）任命一位更加友好的主席，而 Ripple 仍与该委员会陷入诉讼。

“We believe that having a stablecoin that is fully regulated, fully transparent, and fully liquid will be a key component of that,” Garlinghouse said during a December 16 press briefing.

加林豪斯在 12 月 16 日的新闻发布会上表示：“我们相信，拥有一种完全受监管、完全透明和完全流动的稳定币将是其中的关键组成部分。”

“We are very excited about the opportunities that lie ahead for RLUSD and the broader stablecoin market in 2024 and beyond.”

“我们对 2024 年及以后 RLUSD 和更广泛的稳定币市场面临的机遇感到非常兴奋。”

Ripple has pledged that RLUSD will be “fully backed by U.S. dollar deposits, U.S. government bonds, and cash equivalents.” Ripple will also publish “monthly, third-party attestations of RLUSD’s reserve assets, conducted by an independent auditing firm.”

Ripple 承诺 RLUSD 将“得到美元存款、美国政府债券和现金等价物的充分支持”。 Ripple 还将发布“由独立审计公司每月对 RLUSD 储备资产进行的第三方证明”。

In addition to launching RLUSD, Ripple also announced the addition of two more members to its stablecoin advisory board: Raghuram Rajan, former governor of the Reserve Bank of India, and Kenneth Montgomery, former VP/COO of the Federal Reserve Bank of Boston.

除了推出 RLUSD 之外，Ripple 还宣布其稳定币顾问委员会再增加两名成员：印度储备银行前行长 Raghuram Rajan 和波士顿联邦储备银行前副总裁/首席运营官 Kenneth Montgomery。

Rajan and Montgomery join Sheila Bair (ex-chair of the Federal Deposit Insurance Corporation), David Puth (vice-chair of Partners Capital and ex-CEO of the defunct Centre Consortium), and Ripple co-founder Chris Larsen on the advisory board.

Rajan 和 Montgomery 加入了 Sheila Bair（联邦存款保险公司前主席）、David Puth（Partners Capital 副主席、已解散的 Center Consortium 前首席执行官）以及 Ripple 联合创始人 Chris Larsen 的顾问委员会。

‘Please Don’t FOMO Into a Stablecoin’

“请不要因 FOMO 而购买稳定币”

Ripple's RLUSD announcement sparked a surge in the value of the company’s mainstay XRP token, which topped $2.70 at one point—a high not seen since January 2018—although it has since surrendered some of those gains.

Ripple 的 RLUSD 公告引发了该公司支柱 XRP 代币的价值飙升，一度突破 2.70 美元——这是自 2018 年 1 月以来的最高水平——尽管此后它已经放弃了部分涨幅。

Stranger still, some overexcited Ripple fans were bidding ridiculous sums in an apparent bid to get their hands on the first RLUSD tokens to come down the chute. At one point, someone appeared willing to pay the equivalent of US$1,200 to acquire a fraction of a single RLUSD, either unaware of or unconcerned by the fact that one RLUSD is worth one U.S. dollar.

更奇怪的是，一些过度兴奋的 Ripple 粉丝出价高得离谱，显然是为了获得第一批 RLUSD 代币。一度，有人似乎愿意支付相当于 1,200 美元的价格来购买单个 RLUSD 的一小部分，但他们要么不知道，要么不关心 1 个 RLUSD 值 1 美元的事实。

Ripple CTO David Schwarz sought to calm the waters by warning that, while “there may be supply shortages [of RLUSD] in the very early days … the price will come back to very close to $1 as soon as supply stabilizes.”

Ripple 首席技术官 David Schwarz 警告称，虽然“早期可能会出现[RLUSD]供应短缺……但一旦供应稳定，价格将回到非常接近 1 美元的水平，以平息事态。”

In what might be the quintessential comment on the ridiculousness that pervades everything in ‘crypto,’ Schwarz added the following plea: “If you want to spend a lot of money to get a tiny bit of RLUSD before anyone else does, you can. But please don’t expect the price to stay over $1 once things stabilize … Please don’t FOMO into a stablecoin! This is not an opportunity to get rich.”

在对“加密货币”中普遍存在的荒谬性的典型评论中，施瓦茨补充了以下恳求：“如果你想花很多钱在其他人之前获得一点点 RLUSD，你可以。但一旦情况稳定，请不要指望价格会保持在 1 美元以上……请不要因 FOMO 而购买稳定币！这不是致富的机会。”

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Coinbase 将 Tether 从欧洲业务中剔除，币安可能也会效仿

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