2.3 Stablecoins 美国合众银行在Stellar区块链测试稳定币，聚焦更快支付、合规和资产控制，显示机构对区块链技术的采用正不断增长。
美国合众银行（U.S. Bancorp）正在Stellar区块链上测试自有稳定币，加入了探索美元支持数字资产的其他大型金融机构行列。该银行旨在利用区块链技术实现更快、更低成本、更高效的支付，重点关注24/7全天候访问和更低结算成本等功能。安全性和合规性是选择Stellar的重要因素，因为其区块链允许发行方冻结资产和回收交易，为传统机构提供更大控制权。美国合众银行已成立专门的数字资产部门，支持其在稳定币、加密货币托管和资产代币化领域的布局。这一举措反映了机构采用区块链的更广泛趋势，Circle、Franklin Templeton等公司已在使用Stellar。尽管当前客户对稳定币支付的需求较低，银行认为数字资产在资金流动和存款存储方面的应用兴趣正在增长。监管不确定性和与现有系统集成等挑战依然存在，但该举措标志着数字金融发展的重要一步。
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