纽约监管机构批准 Ripple 的 RLUSD 稳定币，但不接受 XRP 和比特币作为抵押品

经过漫长的监管流程，纽约州金融服务部（NYDFS）正式批准了 Ripple 的 RLUSD 稳定币。

The New York State Department of Financial Services (NYDFS) has officially approved Ripple’s RLUSD stablecoin, completing a lengthy regulatory process.

纽约州金融服务部 (NYDFS) 已正式批准 Ripple 的 RLUSD 稳定币，完成了漫长的监管流程。

This marks a significant development in the cryptocurrency space, highlighting the growing institutional adoption and regulatory landscape for stablecoins.

这标志着加密货币领域的重大发展，凸显了稳定币的机构采用和监管环境不断增长。

Prominent cryptocurrency figure Vincent Van Code (@vincent_vancode) recently shared details on the stablecoin’s approval. According to Van Code, the NYDFS approval specifies that “RLUSD requires cash or cash equivalent backing, like Treasury bills, bonds, or cash.”

著名的加密货币人物 Vincent Van Code (@vincent_vancode) 最近分享了有关稳定币批准的详细信息。 Van Code 表示，NYDFS 的批准明确规定“RLUSD 需要现金或现金等价物支持，例如国库券、债券或现金。”

This regulatory mandate ensures that RLUSD maintains its peg to the U.S. dollar, fostering trust and transparency in its operations. Ripple had earlier stated that RLUSD would be backed 1:1 by cash or cash equivalents.

这一监管要求确保 RLUSD 维持与美元挂钩的汇率，从而增强其运营的信任度和透明度。 Ripple 早些时候曾表示，RLUSD 将由现金或现金等价物以 1:1 的比例支持。

The NYDFS approval further reinforces trust in Ripple’s commitments. Notably, digital assets like XRP and Bitcoin are currently not acceptable to back RLUSD under NYDFS guidelines.

NYDFS 的批准进一步增强了人们对 Ripple 承诺的信任。值得注意的是，根据 NYDFS 准则，目前不接受 XRP 和比特币等数字资产支持 RLUSD。

“XRP or any digital asset (including BTC) are currently NOT approved as cash equivalent to back RLUSD,” van Code pointed out. There were rumors that Ripple might custody its escrowed XRP as a reserve for RLUSD.

van Code 指出：“XRP 或任何数字资产（包括 BTC）目前尚未被批准作为支持 RLUSD 的现金等价物。”有传言称 Ripple 可能会托管其托管的 XRP 作为 RLUSD 的储备。

However, experts quickly debunked this possibility, stating that regulators would not accept digital assets to back the stablecoin.

然而，专家很快就驳斥了这种可能性，表示监管机构不会接受数字资产来支持稳定币。

Despite this, van Code speculated that such assets might be considered in the future if they meet stringent requirements. He also noted that the digital assets backing the stablecoins would need to be over-collateralized in case their prices drop.

尽管如此，范·科德推测，如果此类资产满足严格的要求，未来可能会被考虑。他还指出，支持稳定币的数字资产需要超额抵押，以防价格下跌。

This scenario could allow digital assets to participate in RLUSD’s collateral structure, although this remains speculative and would require extensive regulatory approval and mechanisms to mitigate the volatility of digital assets.

这种情况可能允许数字资产参与 RLUSD 的抵押品结构，尽管这仍然是推测性的，并且需要广泛的监管批准和机制来减轻数字资产的波动性。

Addressing questions about potential obstacles delaying RLUSD’s launch, van Code clarified that the asset has met all regulatory requirements.

在回答有关延迟 RLUSD 推出的潜在障碍的问题时，van Code 澄清该资产已满足所有监管要求。

“NYDFS approved it. Now they are turning it all on. It takes a fair bit of time,” he stated, adding that the implementation process involves creating demand for the stablecoin.

“NYDFS 批准了它。现在他们正在把这一切都打开。这需要相当长的时间。”他补充说，实施过程涉及创造对稳定币的需求。

Ripple’s stablecoin has already generated a lot of buzz in the community, with many trustlines being created in anticipation of its debut. While the community is excited about RLUSD’s potential to drive adoption and utility, van Code expects its impact on XRP to be minimal.

Ripple 的稳定币已经在社区中引起了很大的反响，许多信任线都是为了它的首次亮相而创建的。虽然社区对 RLUSD 推动采用和实用性的潜力感到兴奋，但 van Code 预计其对 XRP 的影响微乎其微。

“The impact on XRP price won’t be immediate,” he noted. According to van Code, creating demand and utility takes time. He also stated that any price trend at this point is more a result of enthusiasm than sustained utility-driven demand.

“对 XRP 价格的影响不会立竿见影，”他指出。范·科德认为，创造需求和效用需要时间。他还表示，目前的任何价格趋势更多的是热情的结果，而不是持续的公用事业驱动的需求。