纽约梅隆银行:至2030年稳定币及代币化现金规模或达 3.6 万亿美元

链捕手
Nov 11, 2025

ChainCatcher 消息,据 CoinDesk 报道,纽约梅隆银行(BNY)最新报告称,至 2030 年,稳定币及代币化现金规模或达 3.6 万亿美元,其中稳定币市值预计 1.5 万亿美元,余下由代币化存款与货币市场基金构成。

这些数字现金等价物能加速结算、降低风险、提升抵押品流动性。报告指出,代币化资产如美债、银行存款等,可助机构优化抵押品管理、简化流程。未来,养老基金或能即时用代币化货币市场基金为衍生品合约缴保证金,此类场景将更普遍。

报告认为监管是关键推动力,欧盟的《加密资产市场法规》以及美国和亚太地区正在推进的政策工作,表明监管环境正日趋成熟,有望同时支持创新和市场稳定。

报告认为,区块链不会取代传统体系,而是与之协同,传统与数字结合,将为客户及全球带来巨大价值。

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