为什么银行是《Genius法案》推动稳定币突破的关键

marsbit2025-07-21 tarihinde yayınlandı2025-07-21 tarihinde güncellendi

政策指引

  • 银行已具备充分条件整合稳定币。
  • 加密货币监管框架逐步明晰。
  • 支付应用面临的挑战日益加剧。

上周，美国国会与唐纳德·特朗普总统通过了美国首部同类加密货币法案。随之而来的是一系列问题。

最首要的问题是：《Genius法案》将如何改变数字资产市场，以及更广泛地说，对整个金融体系会产生什么影响？

乍看之下可以肯定，华盛顿新制定的稳定币监管制度将通过为银行和其他金融机构敞开大门而重塑加密货币行业。这些机构一直希望在向客户提供区块链相关产品之前获得监管明确性。

这意味着作为全球经济命脉的支付系统即将迎来变革。

关键转折点

这一前景引发了广泛关注。上周末，万事达卡表示美国在采用区块链技术处理支付方面已到达"关键转折点"。

据DL News报道，摩根大通、美国银行和花旗集团正准备将美元稳定币整合至其产品体系和支付系统中。

若要使稳定币成为支付领域的颠覆性力量，其运作必须实现高度"无感化"。

换言之，稳定币必须像Apple Pay、Venmo或Revolut那样无缝融入日常生活——成为我们几乎无需思考的"水电式"应用。

这不仅是技术挑战，更涉及监管框架与用户习惯的重塑。

首要任务是赢得普通用户认可。但据国际律所Gibson Dunn分析，与银行不同，稳定币发行机构被禁止向账户持有者支付利息，这将成为重大障碍。

银行入场

那么，美国普通消费者为何要使用稳定币？其优势究竟何在？

答案很模糊——除非用户能毫无障碍地使用。这正是银行的用武之地。

尽管消费者对银行多有抱怨，但信任基础依然存在。若银行推出基于稳定币的支付应用，储户很可能会买账。

尽管美国银行业一直担忧稳定币可能引发金融体系不稳定，但在推广这类支付工具方面，它们占据绝对优势地位。因为根据新规，所有美国稳定币都须由"特许支付稳定币发行机构"提供，并接受货币监理署（OCC）监管。

对加密初创企业而言，即使在特朗普时代，获取监管批准仍是耗时耗力的艰巨任务。但对银行而言轻而易举——它们本就受OCC等机构监管。

最终结果：被加密世界视为"头号反派"的银行，即将主导《Genius法案》的下一幕大戏。

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