Ripple 开始测试 RLUSD 稳定币，目标是在多个区块链上进行受监管的发行

加密货币巨头Ripple的官方X账户发布了一段短视频，该视频是“一分钟加密”系列的一部分。该公司总裁 Monica Long 参与其中，向加密社区解释了什么是稳定币。

The official X account of Ripple cryptocurrency giant has published a short video that is part of the “Crypto In One Minute” series. The company's president Monica Long took part in it, explaining to the crypto community what stablecoins are.

加密货币巨头Ripple的官方X账户发布了一段短视频，该视频是“一分钟加密”系列的一部分。该公司总裁 Monica Long 参与其中，向加密社区解释了什么是稳定币。

This video was released after Ripple had announced the beginning of closed beta testing for its stablecoin Ripple USD (RLUSD).

该视频是在 Ripple 宣布开始对其稳定币 Ripple USD (RLUSD) 进行内测后发布的。

Ripple begins to test RLUSD

Ripple开始测试RLUSD

While talking about stablecoins, the Ripple president described them as tokens on a blockchain that represent some kind of real-world currency, and there is a one-to-one peg between a stablecoin and the currency that backs it. In this part of the video, she referred to the U.S. dollar as a “very popular version of a stablecoin.”

在谈论稳定币时，Ripple 总裁将它们描述为区块链上的代币，代表某种现实世界的货币，并且稳定币和支持它的货币之间存在一对一的挂钩。在视频的这一部分中，她将美元称为“非常流行的稳定币版本”。

We’ve got stablecoins on the mind today...@monicalongsf is back in the hot seat with the latest #CryptoInOneMinute answering the question “What is a stablecoin?” pic.twitter.com/8WkaFq6S7a

今天我们想到的是稳定币...@monicalongsf 又回到了热门话题，最新的 #CryptoInOneMinute 回答了“什么是稳定币？”这个问题。 pic.twitter.com/8WkaFq6S7a

Earlier this week, the beta testing of RLUSD was announced. As part of it, the stablecoin cannot be bought or sold yet. It will be tested by a selected group of Ripple's corporate partners.

本周早些时候，RLUSD 宣布进行 Beta 测试。作为其中的一部分，稳定币尚无法买卖。它将由 Ripple 选定的一组企业合作伙伴进行测试。

When Ripple is granted final permission from regulators, it will launch its stablecoin not only on XRP Ledger and Ethereum but also on other blockchains.

当 Ripple 获得监管机构的最终许可时，它将不仅在 XRP Ledger 和以太坊上推出其稳定币，还将在其他区块链上推出。

Are stablecoins really stable?

稳定币真的稳定吗？

The most popular stablecoins on the market at the moment are Tether's USDT and Circle's USDC, both backed by U.S. dollars. Tether also has U.S. Treasuries to back its stablecoin. However, last year, in March, USDC experienced a brief depeg from the dollar when three major U.S. banks — Silicon Valley Bank, Signature Bank and Silvergate Bank — collapsed as a result of a banking crisis that occurred last year. Until recently, USDT also was a subject of scrutiny as regulators and many crypto companies had doubts about whether Tether has enough USD reserves to back all the USDT they issue quickly and frequently on a number of blockchains.

目前市场上最受欢迎的稳定币是 Tether 的 USDT 和 Circle 的 USDC，两者均以美元为支撑。 Tether 还拥有美国国债来支持其稳定币。然而，去年 3 月，美国三大银行——硅谷银行、Signature 银行和 Silvergate 银行——因去年发生的银行业危机而倒闭，USDC 经历了短暂的与美元脱钩。直到最近，USDT 还成为审查的对象，因为监管机构和许多加密货币公司对 Tether 是否有足够的美元储备来支持他们在多个区块链上快速、频繁发行的所有 USDT 表示怀疑。

Many crypto holders do not trust stablecoins due to their overall distrust of the fiat financial system (with the U.S. dollar as the supreme player) and, pointing out to the fast-growing U.S. national debt (equaling $35 trillion by now), prefer to hold their funds in Bitcoin and other cryptocurrencies.

许多加密货币持有者不信任稳定币，因为他们对法定金融体系（以美元为最高玩家）总体不信任，并且指出美国国债快速增长（目前已达到 35 万亿美元），因此更愿意持有他们的资金是比特币和其他加密货币。

Many saw their distrust increase after in May 2022, the algorithmic UST stablecoin created by the Terra blockchain crashed, losing its $1 peg and causing a significant drawdown of the crypto market and the Bitcoin price

2022 年 5 月，由 Terra 区块链创建的算法 UST 稳定币崩溃，失去了 1 美元的挂钩，并导致加密市场和比特币价格大幅下跌，许多人的不信任感增加