稳定币：货币的未来

现在，稳定币在全球金融体系中变得越来越重要。尽管它们是加密货币，但与其他加密货币相比，很多人更喜欢稳定币。

Stablecoins, a class of cryptocurrencies designed to maintain a steady value, are gaining prominence within global financial systems. Many individuals opt for stablecoins over other cryptocurrencies, owing to their穩定性. These digital assets are typically pegged to a fiat currency, such as the U.S. dollar, or other assets, including gold.

稳定币是一类旨在保持稳定价值的加密货币，在全球金融体系中日益受到重视。由于稳定币的稳定性，许多人选择稳定币而不是其他加密货币。这些数字资产通常与法定货币（例如美元）或其他资产（包括黄金）挂钩。

A report by Bernstein broker reveals that stablecoins collectively rank as the 18th largest holder of U.S. Treasuries. Notably, some stablecoins are pegged to the U.S. dollar, while others are linked to a basket of fiat currencies or assets.

伯恩斯坦经纪人的一份报告显示，稳定币在美国国债持有者中排名第 18 位。值得注意的是，一些稳定币与美元挂钩，而另一些则与一篮子法定货币或资产挂钩。

The total supply of stablecoins experienced a slight decline in 2023; however, their market capitalization has reached record highs. According to data from Forbes, the market cap of stablecoins now stands at $172.38 billion.

2023年稳定币总供应量出现小幅下降；然而，它们的市值已创历史新高。根据《福布斯》数据，目前稳定币市值为 1723.8 亿美元。

Presently, there are approximately 150 stablecoins موجود in the market. Among these, Tether (USDT) maintains a dominant position with a market capitalization of $118.8 billion. Following closely behind is USDC, with a market cap of $35.5 billion.

目前，市场上大约有150种稳定币。其中，Tether（USDT）以1188亿美元的市值保持主导地位。紧随其后的是 USDC，市值为 355 亿美元。

Stablecoins have also facilitated impressive growth in monthly on-chain payment volumes, which reached a staggering $1.4 trillion in July of this year. Remarkably, this represents nearly triple the volume observed last year.

稳定币还促进了每月链上支付量的惊人增长，今年 7 月达到了惊人的 1.4 万亿美元。值得注意的是，这几乎是去年观察到的数量的三倍。

Several major companies, including PayPal, Ralph Lauren, and AMC Theaters, have integrated stablecoins into their systems to facilitate faster and more affordable transactions. As more companies embrace crypto payments, particularly those enabled by stablecoins, we can expect to see an increasing number of crypto projects launching new stable coins.

PayPal、Ralph Lauren 和 AMC Theaters 等几家大公司已将稳定币集成到其系统中，以促进更快、更实惠的交易。随着越来越多的公司接受加密支付，特别是那些由稳定币支持的支付，我们预计将会看到越来越多的加密项目推出新的稳定币。

At Token2049, Bitgo announced its plans to launch a stablecoin pegged to the USDC in January 2025. By integrating stablecoins, businesses can harness the potential of the future of money.

在 Token2049 上，Bitgo 宣布计划于 2025 年 1 月推出与 USDC 挂钩的稳定币。通过整合稳定币，企业可以利用未来货币的潜力。

Interestingly, stable coins are also becoming increasingly popular among the younger generation. According to a report, approximately 20% of individuals between the ages of 18 and 24 allocate over 25% of their portfolios to stablecoins, showing a clear preference for storing their value in these digital assets rather than traditional fiat currencies.

有趣的是，稳定币也越来越受到年轻一代的欢迎。一份报告显示，大约 20% 的 18 岁至 24 岁之间的个人将其投资组合的 25% 以上配置为稳定币，这表明他们明显倾向于将其价值存储在这些数字资产而不是传统的法定货币中。

As the market capitalization of stable coins continues to rise, more companies integrate these into their financial systems, and additional crypto projects launch stable coins pegged to a variety of assets, it will be fascinating to observe the future trajectory of stable coins in the coming years.

随着稳定币的市值持续上升，越来越多的公司将其整合到其金融系统中，并且更多的加密项目推出与各种资产挂钩的稳定币，观察未来几年稳定币的未来轨迹将是令人着迷的。