Polygon高管:稳定币将进入“十万发行方时代”,银行将被迫重构资本模式

GateNews

Odaily星球日报讯 Polygon 支付与 RWA 全球负责人 Aishwary Gupta 认为,全球稳定币正迈入一个“超级周期”,未来五年内稳定币发行方数量可能突破 10 万。Gupta 指出,日本正通过 JPYC 等稳定币参与国债与政策刺激试点,证明稳定币可成为国家经济主权工具,而非削弱央行权力。他表示,稳定币与法币同受货币政策影响,本质上会增强一国货币的全球需求,就像稳定币推动美元使用量一样。Gupta 同时警告,稳定币收益正在吸引银行体系中的低息存款(CASA)流向链上,削弱银行创造信贷与维持低成本资本的能力。为应对竞争,他预计银行将大规模发行“存款代币”,以保留资金留在自身资产负债表,同时允许客户在链上使用资产。他认为,随着稳定币数量迅速膨胀,未来支付体系将依赖统一结算层,让用户可用任意代币支付、商户以另一代币收款,底层转换在后台无感完成。(The Fintech Times)

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