Galaxy预测：2026年稳定币交易量将超越ACH系统

cointelegraphОпубліковано о 2025-12-19Востаннє оновлено о 2025-12-19

Анотація

加密货币研究机构Galaxy Research预测，稳定币交易量可能在2026年超越美国自动清算系统（ACH）。报告指出，稳定币当前交易量已超过Visa等主要信用卡网络，达到ACH系统的一半左右。其供应量正以30%-40%的年复合增长率持续扩大，同时监管政策明朗化（如2026年初GENIUS法案的实施）将推动进一步增长。目前稳定币总规模约3090亿美元，USDT和USDC仍占主导，但传统金融机构正加速入场：西联汇款宣布推出Solana链上的美元稳定币，索尼计划在2026年推出适用于游戏和内容生态的稳定币，SoFi银行也于近期发行了以太坊链上的合规稳定币SoFiUSD。分析师认为，用户更倾向于接受通用性强的稳定币，因此传统金融合作的稳定币将在2026年加速整合。报告同期预测比特币可能在2027年底达到25万美元。

根据最新预测，随着监管明晰化和采用率上升，稳定币在2026年的交易处理量可能超过美国自动清算所（ACH）系统。

数字资产公司Galaxy Digital旗下研究机构Galaxy Research引用现有交易数据和监管进展支持其预测，指出"稳定币交易量已超越Visa等主要信用卡网络，目前处理量约为自动清算所（ACH）系统的一半"。

研究副总裁Thad Pinakiewicz表示，稳定币供应量持续以30%-40%的年复合增长率增长，交易量随发行量同步上升。Galaxy还提到2026年初《GENIUS法案》相关定义的预期实施将成为推动稳定币使用进一步增长的因素。

该报告还对比特币（BTC）价格作出预测，认为其可能在2027年底达到25万美元。据Galaxy Research全公司研究主管Alex Thorn表示，2026年"存在太多变数难以预测，但比特币在2026年创历史新高仍有可能"。

相关阅读：Coinbase对2026年持"谨慎乐观"态度，加密货币接近机构拐点

美元锚定稳定币市场扩张

DefiLlama数据显示，稳定币总市值目前约为3090亿美元。虽然Tether的USDt（USDT）和Circle的USDC（USDC）继续占据主要地位，但近月来越来越多金融机构和支付公司加入了稳定币竞争。

十月份，西联汇款宣布计划推出自有美元锚定稳定币US Dollar Payment Token，该币将基于Solana区块链构建，由Anchorage Digital Bank发行，作为更广泛的数字资产结算网络组成部分。

据报道，Sony银行正在筹备推出美元锚定稳定币，拟用于索尼美国生态系统，包括PlayStation游戏、订阅服务和动漫内容。该稳定币预计于2026年推出。

周四，SoFi Technologies推出由银行子公司SoFi Bank发行的全额储备美元稳定币SoFiUSD。公司表示该代币将首发于以太坊网络，旨在为银行、金融科技企业和企业平台提供低成本结算服务。

Galaxy Research副研究员Jianing Wu表示，她预计传统金融合作的稳定币将在2026年进行整合，因为用户和商户不太可能采用一长串数字美元，而是会青睐具有"最广泛接受度"的一两种稳定币。

杂志观点：Kevin O'Leary：用量子计算攻击比特币是浪费时间

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Пов'язані питання

Q根据Galaxy Research的预测，稳定币交易量将在哪一年超过美国自动清算系统（ACH）？

A根据Galaxy Research的预测，稳定币交易量将在2026年超过美国自动清算系统（ACH）的交易量。

QGalaxy Research预测比特币（BTC）的价格到2027年底可能达到多少？

AGalaxy Research预测比特币（BTC）的价格到2027年底可能达到25万美元。

Q目前稳定币市场的总市值大约是多少？

A根据DefiLlama的数据，目前稳定币市场的总市值约为3090亿美元。

Q哪些公司最近宣布计划推出自己的美元稳定币？

A最近宣布计划推出自己美元稳定币的公司包括Western Union（西联汇款）、Sony Bank和SoFi Technologies。

QGalaxy Research认为哪种类型的稳定币将在2026年得到整合？

AGalaxy Research认为，与传统金融（TradFi）合作的稳定币将在2026年得到整合，用户和商家将倾向于接受一两种具有最广泛接受度的稳定币。

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