全球跨界付款的稳定性正在上升,对传统银行业务提出了挑战,并促使全世界采取监管对策。 Stablecoins are rising in global cross-border payments, challenging traditional banking and prompting regulatory responses worldwide.

在取代传统银行业务的更快捷、更廉价的替代办法的推动下,稳定银行在跨境支付和在线交易中日复一日的日常使用正在增加,特别是在不稳定经济体中。 Stablecoins are gaining traction for everyday use in cross-border payments and online transactions, driven by faster, cheaper alternatives to traditional banking, especially in unstable economies. 像Tether和Circle这样的平台, 以及Stellar和Ripple这样的网络, 正在扩大采用范围, 迫使传统的汇款服务. Platforms like Tether and Circle, along with networks such as Stellar and Ripple, are expanding adoption, pressuring legacy remittance services. 英国和欧盟正在追求中央银行的数字货币和管制框架。 While the U.S. leans toward private, lightly regulated stablecoins, the UK and EU are pursuing central bank digital currencies and regulated frameworks. 印度财政部长尼玛拉·西塔拉曼(Nirmala Sitharaman)敦促全球为数字货币的影响做好准备,尽管监管方面不断谨慎,并大力推行印度自己的《生物多样性公约》,但都表明政策可能发生转变。 India’s Finance Minister Nirmala Sitharaman urged global preparedness for digital money’s impact, signaling possible policy shifts despite ongoing regulatory caution and a push for India’s own CBDC.