传统金融巨头美国银行和贝宝（Paypal）正在Stablecoin行业大胆举动

该行业的机构利益不断上升，价值超过2000亿美元。

The institutional interest in the stablecoin sector, which is now worth over $200 billion, is continuing to grow, signaled by the latest moves by financial giants Bank of America and PayPal.

现在价值超过2000亿美元的Stablecoin行业的机构权益正在继续增长，这是由金融巨头银行和Paypal的最新举动提示的。

At the same time, plans for a stablecoin from the US banking giant could be forthcoming once the regulatory landscape becomes apparent, according to a report by Blockworks on Feb. 26.

同时，根据Blockworks的一份报告，一旦监管景观显而易见，美国银行业巨头的稳定币可能即将到来。

Meanwhile, PayPal is expanding the role of its PYUSD stablecoin within its payment ecosystem.

同时，PayPal正在扩大其Pyusd Stablecoin在其付款生态系统中的作用。

Bank of America's stablecoin ambitions

美国银行的稳定雄心勃勃

President of the US banking giant Brian Moynihan hinted at the bank’s potential entry into the stablecoin market.

美国银行业巨头布莱恩·莫尼汉（Brian Moynihan）总裁暗示该银行的潜在进入Stablecoin市场。

He noted that stablecoins function similarly to money market funds or bank accounts with check access. According to Moynihan, securing regulatory approval presents the primary barrier to launching a USD-pegged stablecoin.

他指出，Stablecoins的功能类似于货币市场基金或带有支票访问的银行帐户。根据Moynihan的说法，确保监管机构批准提出了推出美元固定稳定的主要障碍。

"If they make that legal, we will go into that business," he stated, highlighting the bank's readiness to launch a coin once regulations permit.

他说：“如果他们使该合法合法，我们将开始从事这项业务。”一旦法规许可，该银行准备发起硬币。

He suggested that a future "BofA coin" could be tied to dollar deposit accounts, though he expressed skepticism regarding its broader utility.

他建议将未来的“银行硬币”与美元存款帐户联系在一起，尽管他对其更广泛的效用表示怀疑。

"I'm not sure what else we would do with it, but we're watching it closely and we'll see how it plays out," he added.

他补充说：“我不确定我们还会做什么，但是我们正在仔细观察它，我们会看到它的发挥作用。”

Moynihan's statement follows his previous comment that the US banking industry would adopt cryptocurrencies for payments if regulators allow it.

Moynihan的声明遵循了他之前的评论，即如果监管机构允许，美国银行业将采用加密货币进行付款。

Bank of America is the second-largest bank in the United States, with total assets of $2.57 trillion.

美国银行是美国第二大银行，总资产为2.57万亿美元。

PayPal's PYUSD expansion

PayPal的Pyusd扩展

On the other hand, PayPal is actively working to integrate PYUSD into its payment ecosystem to boost its adoption.

另一方面，PayPal正在积极努力将PYUSD整合到其付款生态系统中，以提高其采用。

During a presentation at the Consensus conference in Hong Kong, Michelle Gill, a PayPal executive, detailed plans to embed the stablecoin deeper into its platform by enabling merchants to use PYUSD for vendor payments through PayPal's network.

贝宝（PayPal）高管米歇尔·吉尔（Michelle Gill）在香港共识会议上的演讲中，详细的计划通过使商人能够通过PayPal的网络使用Pyusd来将Stablecoin更深地嵌入其平台中。

Beyond that, the company would also focus on incorporating PYUSD for international payments.

除此之外，该公司还将专注于将PYUSD纳入国际付款。

The executive explained that PayPal aims to eliminate currency conversion complexities and reduce transaction delays that plague the traditional system by integrating PYUSD into its cross-border payment system.

高管解释说，PayPal旨在消除货币转换复杂性，并减少通过将PYUSD集成到其跨境支付系统中的传统系统的交易延迟。

"A lot of the payments we’re expecting are going to be cross-border because merchants in the US are seeking to pay vendors and suppliers abroad. The thesis was: Can we facilitate that on PYUSD rails so as not to have the currency conversion, the friction, as well as time?" Gill said.

“我们期望的许多付款将是跨境，摩擦和时间？”吉尔说。