Ripple 推出美元稳定币以刺激机构和 DeFi 的采用

Ripple 宣布即将在 XRP Ledger 和以太坊区块链上推出与美元挂钩的稳定币。该稳定币将于今年晚些时候推出，旨在通过提供值得信赖的美元支持选项来扩大机构和 DeFi 用例。该公司强调其对合规性的承诺，并预计稳定币市场到 2028 年将大幅增长。

Ripple Unveils Plans for USD-Pegged Stablecoin, Targeting Institutional and DeFi Adoption

Ripple 公布与美元挂钩的稳定币计划，瞄准机构和 DeFi 的采用

In a groundbreaking move that is poised to reshape the stablecoin landscape, Ripple, the San Francisco-based technology company, has announced its plans to launch a U.S. dollar-pegged stablecoin. This highly anticipated stablecoin, anticipated for release later this year, will initially be available on both the XRP Ledger and Ethereum blockchains.

总部位于旧金山的科技公司 Ripple 宣布计划推出与美元挂钩的稳定币，这是一项旨在重塑稳定币格局的突破性举措。这种备受期待的稳定币预计将于今年晚些时候发布，最初将在 XRP Ledger 和以太坊区块链上提供。

According to Monica Long, President of Ripple, "Issuing our stablecoin on the XRP Ledger and Ethereum will serve as a pivotal entry point to unlock new opportunities for institutional and DeFi use cases across multiple ecosystems. Bringing a trusted stablecoin onto XRPL will drive more adoption and development, contributing to a vibrant ecosystem."

Ripple 总裁 Monica Long 表示：“在 XRP Ledger 和以太坊上发行我们的稳定币将成为一个关键切入点，为跨多个生态系统的机构和 DeFi 用例释放新的机会。将值得信赖的稳定币引入 XRPL 将推动更多采用和发展，为充满活力的生态系统做出贡献。”

Backed by USD Deposits and U.S. Government Treasuries

由美元存款和美国政府国库券支持

Ripple has meticulously designed its stablecoin to provide users with a secure and reliable alternative to existing stablecoins. The company has emphasized that the stablecoin will be fully backed by "USD deposits, short-term U.S. government treasuries, and other cash equivalents." To ensure transparency and accountability, these reserve assets will be subject to regular audits by a reputable third-party accounting firm, with monthly attestations published by Ripple.

Ripple 精心设计了其稳定币，为用户提供现有稳定币的安全可靠的替代品。该公司强调，稳定币将得到“美元存款、短期美国政府国债和其他现金等价物”的全额支持。为了确保透明度和问责制，这些储备资产将接受信誉良好的第三方会计师事务所的定期审计，并由 Ripple 每月发布证明。

Strategic TimingAmid Market Volatility

市场波动中的战略时机

Ripple's decision to launch a stablecoin at this specific juncture is a testament to the company's deep understanding of market dynamics. Chief Technology Officer David Schwartz acknowledged that the company had previously considered launching a stablecoin but ultimately decided to wait until conditions were more favorable.

Ripple 在这个特定时刻决定推出稳定币，证明了该公司对市场动态的深刻理解。首席技术官 David Schwartz 承认，该公司此前曾考虑推出稳定币，但最终决定等到条件更有利时再推出。

"In retrospect, we would have liked to launch a stablecoin sooner," Schwartz admitted. "However, after monitoring market conditions and economic factors, we believe that issuing one this year makes strategic sense. The interest rate increase makes it a much more attractive market. Also, there's been a shakeup, and really, Tether is almost a no-go for us because of the regulatory issues. There's just so much uncertainty around it."

“回想起来，我们希望早点推出稳定币，”施瓦茨承认。 “然而，在监测市场状况和经济因素后，我们认为今年发行 Tether 具有战略意义。加息使其成为一个更具吸引力的市场。此外，也发生了一次重组，事实上，Tether 几乎是一个不…… “因为监管问题而选择我们。周围有太多的不确定性。”

Schwartz also expressed his concerns about the concentration risk associated with Tether, the current dominant player in the stablecoin market. "We've used USDC before, and there's nothing wrong with it," he stated. "It's just, you don't want to have only one option."

施瓦茨还表达了他对当前稳定币市场主导者 Tether 相关集中风险的担忧。 “我们以前使用过 USDC，没有任何问题，”他表示。 “只是，你不想只有一种选择。”

Addressing the Needs of Enterprise and DeFi

满足企业和 DeFi 的需求

Ripple's stablecoin is specifically designed to meet the unique needs of enterprise and DeFi users. Schwartz believes that Ripple's customers and the global market will respond positively to a stablecoin that organizations can use with greater confidence, particularly on the XRP Ledger.

Ripple 的稳定币专为满足企业和 DeFi 用户的独特需求而设计。 Schwartz 相信，Ripple 的客户和全球市场将对组织可以更有信心使用的稳定币做出积极反应，特别是在 XRP Ledger 上。

"There's a lot of great assets on the XRP Ledger, but not really a good stablecoin," Schwartz explained. "Even if you had one, you don't want to build a business around a single option."

“XRP Ledger 上有很多优质资产，但并不是真正好的稳定币，”施瓦茨解释道。 “即使你有一个，你也不想围绕单一选择来建立业务。”

Schwartz anticipates that the new stablecoin will be particularly attractive to small- and medium-sized enterprises (SMEs) and non-banking financial institutions (NBFIs) such as payment companies. He believes that Ripple's established compliance framework will give the stablecoin a competitive edge in the enterprise market.

施瓦茨预计，新的稳定币将对中小企业（SME）和支付公司等非银行金融机构（NBFI）特别有吸引力。他认为，Ripple 既定的合规框架将使稳定币在企业市场上具有竞争优势。

Compliance and Regulatory Considerations

合规性和监管注意事项

Ripple has consistently emphasized its commitment to compliance and has been proactively building a strong licensing portfolio in key regions around the globe. While the company has faced ongoing legal challenges from the Securities and Exchange Commission (SEC) regarding the sale of XRP, Ripple remains confident in its position and is actively defending itself against the allegations.

Ripple 一贯强调其对合规性的承诺，并一直在全球关键地区积极构建强大的许可组合。尽管该公司在销售 XRP 方面面临着美国证券交易委员会 (SEC) 的持续法律挑战，但 Ripple 对其立场仍然充满信心，并针对这些指控积极为自己辩护。

Expansion Plans and Interoperability

扩展计划和互操作性

While the stablecoin will initially be available only on the XRP Ledger and Ethereum networks, Ripple has ambitious plans to expand its reach to additional blockchains, DeFi protocols, and applications over time. This interoperability will further enhance the utility and accessibility of Ripple's stablecoin across the broader crypto ecosystem.

虽然该稳定币最初仅在 XRP Ledger 和以太坊网络上可用，但 Ripple 制定了雄心勃勃的计划，随着时间的推移，将其覆盖范围扩展到其他区块链、DeFi 协议和应用程序。这种互操作性将进一步增强 Ripple 稳定币在更广泛的加密生态系统中的实用性和可访问性。

Conclusion

结论

Ripple's entry into the stablecoin market is a significant development that is likely to have a profound impact on the industry. With its strong focus on compliance, institutional adoption, and interoperability, Ripple's stablecoin is poised to become a trusted and widely used alternative to existing stablecoins. As the stablecoin market continues to grow and evolve, Ripple's stablecoin is well-positioned to play a leading role in shaping the future of this rapidly expanding segment of the cryptocurrency space.

Ripple 进入稳定币市场是一项重大发展，可能对该行业产生深远影响。凭借对合规性、机构采用和互操作性的高度重视，Ripple 的稳定币有望成为现有稳定币的值得信赖且广泛使用的替代品。随着稳定币市场的不断增长和发展，Ripple 的稳定币处于有利位置，可以在塑造这一快速扩张的加密货币领域的未来方面发挥主导作用。