Ripple 的新稳定币 RLUSD 即将获得纽约加密货币监管机构的批准

纽约金融服务部的批准意味着 Ripple 将被允许合法提供其稳定币 RLUSD

Cryptocurrency payments company Ripple is nearing approval from New York’s top financial regulator to offer a new stablecoin, an announcement that could come within days, FOX Business has learned.

据福克斯商业频道获悉，加密货币支付公司 Ripple 即将获得纽约最高金融监管机构的批准，推出一种新的稳定币，这一消息可能会在几天内发布。

The approval by the New York Department of Financial Services would allow Ripple to legally offer its stablecoin, called RLUSD, through a limited purpose trust charter, positioning it as a major player in New York’s regulated digital finance market and the wider stablecoin ecosystem.

纽约金融服务部的批准将允许 Ripple 通过有限目的信托章程合法提供其名为 RLUSD 的稳定币，使其成为纽约受监管的数字金融市场和更广泛的稳定币生态系统的主要参与者。

Spokespeople for Ripple and the NYDFS had no comment.

Ripple 和 NYDFS 的发言人没有发表评论。

However, multiple sources with direct knowledge of the matter confirmed the approval, which is expected to be announced officially in the coming days, pending any last-minute changes.

然而，多个直接了解此事的消息人士证实了这一批准，预计将在未来几天正式宣布，等待最后一刻的任何变化。

While Ripple is best known for its XRP token, which serves as a bridge currency to settle cross-border payments on its RippleNet network, XRP is currently unregulated in the U.S. and subject to volatile price swings, making it unsuitable for everyday use as a stable medium of exchange.

虽然 Ripple 以其 XRP 代币而闻名，该代币充当 RippleNet 网络上跨境支付结算的桥梁货币，但 XRP 目前在美国不受监管，并且价格波动较大，因此不适合作为稳定币日常使用。交换媒介。

In 2020, XRP’s price fell more than 50% and its market cap lost $16 billion when the Securities and Exchange Commission sued Ripple for allegedly violating securities laws by selling XRP without first registering those sales with the commission. The price has largely remained under $1 in the nearly four years Ripple has been locked in legal combat with the SEC.

2020 年，当美国证券交易委员会起诉 Ripple 涉嫌违反证券法、未事先向委员会登记销售 XRP 时，XRP 的价格下跌了 50% 以上，市值损失了 160 亿美元。近四年来，Ripple 与 SEC 陷入法律纠纷，价格基本保持在 1 美元以下。

However, XRP saw a massive jump in the weeks following the victory of crypto-friendly President-elect Donald Trump on hopes that he will fulfill his promise to ease crypto regulation and make the U.S. the "crypto capital of the planet."

然而，在对加密货币友好的当选总统唐纳德·特朗普获胜后的几周内，XRP 出现了大幅上涨，因为人们希望他能够履行放松加密货币监管并使美国成为“地球加密货币之都”的承诺。

Today, XRP is trading at $1.70, making it the fifth largest cryptocurrency in the world by market cap.

如今，XRP 的交易价格为 1.70 美元，使其成为全球市值第五大的加密货币。

By issuing a regulated stablecoin, Ripple will be able to offer a steady alternative to XRP for those that may want to use digital currencies without exposure to volatility and regulatory uncertainty. The move will also put Ripple in direct competition with other established U.S. stablecoin issuers like Circle, Paxos and Gemini.

通过发行受监管的稳定币，Ripple 将能够为那些可能想要使用数字货币而不受波动性和监管不确定性影响的人提供 XRP 的稳定替代品。此举还将使 Ripple 与 Circle、Paxos 和 Gemini 等其他成熟的美国稳定币发行商展开直接竞争。

Stablecoins, digital currencies that are pegged to assets with stable valuations like the U.S. dollar, are used primarily as a store of value and a medium of exchange to facilitate faster, cheaper transactions in cross-border payments and remittances using the underlying blockchain technology. The current valuation of the stablecoin market is around $190 billion and that number is expected to grow under the incoming pro-crypto Trump administration, which is seen as being capable of passing stablecoin regulation at the federal level.

稳定币是与美元等估值稳定的资产挂钩的数字货币，主要用作价值储存和交换媒介，以促进使用底层区块链技术进行更快、更便宜的跨境支付和汇款交易。目前稳定币市场的估值约为 1900 亿美元，在即将上任的支持加密货币的特朗普政府的领导下，这一数字预计将会增长，人们认为特朗普政府有能力在联邦层面通过稳定币监管。

For now, regulation at the state level is the primary solution for companies wanting to offer stablecoins. The NYDFS is known for its stringent approach to crypto regulation, ensuring that companies that want to offer digital assets meet a high regulatory bar, including complying with anti-money laundering and consumer protection regulations.

目前，州一级的监管是想要提供稳定币的公司的主要解决方案。 NYDFS 以其严格的加密货币监管方法而闻名，确保想要提供数字资产的公司满足高监管标准，包括遵守反洗钱和消费者保护法规。

Obtaining a limited purpose trust charter, as Ripple will, is one way for businesses to offer specific services pertaining to digital assets without being subject to all the regulations of a traditional bank. Stablecoin issuers Paxos and Gemini are also registered with the NYDFS and can offer New York residents and businesses access to PAX and GUSD stablecoins through their trust charters.

正如 Ripple 所做的那样，获得有限目的信托章程是企业提供与数字资产相关的特定服务而无需遵守传统银行所有法规的一种方式。稳定币发行人 Paxos 和 Gemini 也在 NYDFS 注册，可以通过其信托章程向纽约居民和企业提供 PAX 和 GUSD 稳定币。

Ripple will collaborate with other payment providers such as Moonpay for the anticipated rollout of its stablecoin in the coming days.

Ripple 将与 Moonpay 等其他支付提供商合作，预计在未来几天内推出其稳定币。

"For another well-capitalized, highly regulated player to enter into the global stablecoin marketplace – especially as MiCA regulation in Europe is about to be implemented – is a win-win and MoonPay is proud to provide access to RLUSD for our partners and customers on day one of Ripple's launch," said Keith Grossman, president of Enterprise at MoonPay.

“对于另一个资本充足、监管严格的参与者来说，进入全球稳定币市场——尤其是欧洲即将实施 MiCA 监管——是双赢的，MoonPay 很自豪能够为我们的合作伙伴和客户提供 RLUSD 的访问权限Ripple 推出的第一天，”MoonPay 企业总裁 Keith Grossman 说道。