Будущее финансов: стейблкоины становятся ключевой «инфраструктурой», США и Гонконг продвигают законы

cryptonews.ru2022-12-28 tarihinde yayınlandı2025-05-28 tarihinde güncellendi

Стейблкоины обеспечивают регионы, пострадавшие от инфляции, быстрыми решениями для доступа к финансам, ориентированными в первую очередь на мобильные устройства.
США и Гонконг продвигают законодательство, регулирующее и масштабирующее принятие стейблкоинов.
Лидеры отрасли считают, что 2025–2027 годы станут поворотным моментом для стейблкоинов в мировых финансах.

По мере усиления гонки за модернизацию мировых финансов стейблкоины стали основным инструментом регулирования и принятия цифровых активов. С ростом нестабильности в традиционных денежных системах и растущим давлением создания инклюзивной цифровой экономики политики и лидеры отрасли рассматривают стейблкоины как основные инструменты для следующего этапа финансовой эволюции.

Выступая в подкасте «Крипто, стейблкоины и будущее финансов», Лили Лю, президент Solana Foundation, обсудила растущий разрыв между растущим интересом к криптовалютам среди розничных потребителей и отсутствием институциональной инфраструктуры на развивающихся рынках.

Лю подчеркнула, что стейблкоины уже предлагают альтернативы местным валютам, подверженным инфляции, особенно в регионах с недостаточным уровнем обслуживания. Она подчеркнула необходимость разработки удобных для пользователя платформ, которые обслуживают население, в первую очередь использующее мобильные устройства, и повышают эффективность транзакций. Высокоскоростная архитектура Solana была отмечена за ее роль в обеспечении такого доступа, особенно в сообществах, где финансовые инструменты исторически ограничены.

По теме: В Гонконге принят законопроект о стейблкоинах, который ужесточает регулирование виртуальных активов

Соучредитель Jambo Джеймс Чжан присоединился к обсуждению, чтобы высказать мнение о том, что рост криптовалют зависит от одновременного развития как доступа потребителей, так и институциональных рамок. По словам Чжана, сосредоточение внимания на одной стороне без другой рискует ограничить долгосрочную полезность цифровых финансов.

Стейблкоины, созданные как инфраструктура, а не просто инструменты

На мероприятии Paxos Global Dollar Network в Нью-Йорке Серхио Мелло, глава отдела стейблкоинов в Anchorage Digital, обозначил временные рамки для ясности регулирования. Мелло заявил, что период с 2025 по 2027 год станет самой активной фазой развития в истории цифровых активов.

С его точки зрения, стейблкоины представляют собой не просто новый класс активов, но и реконфигурацию самих денег, объединяющую транспортные и ценностные слои в один оптимизированный механизм. Он описал стейблкоины как более эффективную форму фиата и предсказал их масштабную интеграцию в повседневные транзакции.

По теме:Сенат продвигает законопроект GENIUS: откроет ли он триллионы ликвидности стейблкоинов?

Кроме того, законодательство о стейблкоинах продвигается через Сенат в Соединенных Штатах в рамках Закона GENIUS. Дэвид Сакс, старший советник президента Дональда Трампа по криптовалютам и искусственному интеллекту, подтвердил, что законопроект прошел порог закрытия при двухпартийной поддержке. Сакс заявил, что формальное регулирование может разблокировать большой спрос на казначейские облигации США, отметив, что более 200 миллиардов долларов в стейблкоинах уже существуют без нормативной ясности.

Тем временем Гонконг принял свой собственный законопроект о стейблкоинах после третьего чтения в Законодательном совете. Законодатель Джонни Нг подтвердил, что учреждения могут начать подавать заявки на лицензии стейблкоинов к концу года.

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