英国政策研讨认为，稳定币最首要的应用场景在于跨境支付

cointelegraphPublished on 2026-07-29Last updated on 2026-07-29

Abstract

英国金融行为监管局的稳定币政策研讨发现，跨境支付是目前稳定币最明确的近期应用场景，而在英国本土零售支付中的消费者采用可能较慢。该机构3月召集银行、支付公司、稳定币发行方等行业参与者探讨稳定币应用，结论指出稳定币在跨境支付、尤其是美元获取受限的新兴市场优势显著，但在现有系统已快速且成本较低的主要支付通道中益处有限。参与者认为，由于现有支付方式已快捷便宜，英国国内消费者缺乏转换动力，但商户可能从更低成本与更快结算中受益。这些反馈已影响FCA于6月30日发布的最终规则，要求英国发行的稳定币须由储备资产全额支持并可1:1兑付，并将继续塑造其未来稳定币支付政策。

根据英国金融行为监管局的稳定币研讨项目，跨境支付是稳定币最明确的近期应用场景，而在英国零售支付领域的消费者采用可能较慢。

FCA 发布了其 3 月份政策倡议的调研结果，该倡议汇集了银行、支付公司、稳定币发行商和其他行业参与者，共同探讨稳定币的使用方式。

参与者表示，稳定币在跨境支付方面能带来最大优势，尤其是在美元获取渠道有限的新兴市场；但在现有系统已经快速且相对廉价的主要支付通道中，稳定币提供的益处较少。

参与者还表示，由于现有的支付方式已经快速且廉价，英国国内消费者缺乏转换的动力，不过商户可以从更低的成本和更快的结算中获益。

这些调研结果为 FCA 于 6 月 30 日发布的最终规则提供了参考，该规则要求英国发行的稳定币必须有储备资产完全支持并可等值赎回。该监管机构表示，这些反馈也将影响其未来关于稳定币支付的政策。

相关报道：MetaMask 推出支持消费卡的稳定币收益账户

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Related Questions

Q根据英国金融行为监管局的报告，稳定币在短期内最明确的用例是什么？

A根据英国金融行为监管局的稳定币专题研究，稳定币在短期内最明确的用例是跨境支付。

Q为什么报告认为在英国国内，消费者使用稳定币支付的动力不足？

A因为英国现有的支付方式已经相当快捷且成本低廉，消费者缺乏切换到稳定币支付的足够动力。

Q报告认为，稳定币在哪些类型的市场能为跨境支付带来最大优势？

A报告认为，稳定币在那些难以获得美元的新兴市场，能为跨境支付带来最大优势。

Q根据报告，英国商户可能从稳定币支付中获得什么潜在好处？

A英国商户可能从稳定币支付中获得更低的成本和更快的结算速度。

Q英国金融行为监管局在6月30日发布的关于稳定币的最终规则，对稳定币发行方提出了什么核心要求？

A该最终规则要求在英国发行的稳定币必须有100%的储备资产作为支持，并且可按面值赎回。

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