{ "version": 1, "event_id": "evt_0363e18dee4299aa", "url": "https://xiyu.news/events/evt_0363e18dee4299aa/", "json": "https://xiyu.news/api/events/evt_0363e18dee4299aa.json", "type": "other", "status": "monitoring", "category": "crypto", "title": { "zh": "美国银行在 Stellar 上完成 USBDC 稳定币实时跨境支付试点", "en": "U.S. Bank tests proprietary stablecoin in cross-border Stellar transaction" }, "current_state": { "zh": "美国银行（U.S. Bank）——美国第五大商业银行——已成功在 Stellar 区块链上，使用其专有的美元支持稳定币 USBDC 完成一笔实时跨境支付。该试点在其北美与欧洲实体之间转移资金，并测试了铸造、赎回、冻结及追回（clawback）功能。\n\n这标志着大型美国银行首次使用自家稳定币在公共区块链上完成真实跨境支付，反映出机构对数字资产的采用进一步加深。同时，它也显示了银行如何将冻结和追回等合规控制融入公共链上的稳定币，这一设计虽然与抗审查的理想相悖，但可能更符合监管要求。\n\n该交易是美国银行内部开发的数字资产平台（Digital Asset Platform）的一部分，该平台将代币化资产与其传统银行基础设施连接，并与风险、合规和运营系统集成。自2025年11月以来，该行一直在与普华永道（PwC）和恒星发展基金会（Stellar Development Foundation）合作，测试在 Stellar 上发行稳定币；最新公告将其定义为 USBDC 的发布，但这仍属于试点而非大规模铺开。", "en": "U.S. Bank completed a live cross-border payment using its proprietary USBDC stablecoin on the Stellar blockchain, testing minting, redemption, freezing, and clawback functions." }, "first_seen_at": "2026-09-09T16:49:40.774098+00:00", "last_updated_at": "2026-09-10T16:35:54.800249+00:00", "last_material_change_at": "2026-09-09T16:49:40.774098+00:00", "confidence": 0.75, "updates_count": 1, "sources_count": 2, "entities": [ "stellar" ], "identifiers": [], "topics": [ "cross-border-payments", "stellar" ], "updates": [ { "update_id": "upd_e180df80b4e32e78", "event_id": "evt_0363e18dee4299aa", "occurred_at": "2026-09-09T16:37:08Z", "published_at": "2026-09-09T16:37:08Z", "first_seen_at": "2026-09-09T16:49:40.774098Z", "time_precision": "published", "update_type": "initial", "material_change": true, "title_zh": "美国银行在 Stellar 上完成 USBDC 稳定币实时跨境支付试点", "title_en": "U.S. Bank tests proprietary stablecoin in cross-border Stellar transaction", "what_changed_zh": "美国银行（U.S. Bank）——美国第五大商业银行——已成功在 Stellar 区块链上，使用其专有的美元支持稳定币 USBDC 完成一笔实时跨境支付。该试点在其北美与欧洲实体之间转移资金，并测试了铸造、赎回、冻结及追回（clawback）功能。\n\n这标志着大型美国银行首次使用自家稳定币在公共区块链上完成真实跨境支付，反映出机构对数字资产的采用进一步加深。同时，它也显示了银行如何将冻结和追回等合规控制融入公共链上的稳定币，这一设计虽然与抗审查的理想相悖，但可能更符合监管要求。\n\n该交易是美国银行内部开发的数字资产平台（Digital Asset Platform）的一部分，该平台将代币化资产与其传统银行基础设施连接，并与风险、合规和运营系统集成。自2025年11月以来，该行一直在与普华永道（PwC）和恒星发展基金会（Stellar Development Foundation）合作，测试在 Stellar 上发行稳定币；最新公告将其定义为 USBDC 的发布，但这仍属于试点而非大规模铺开。", "what_changed_en": "U.S. Bank completed a live cross-border payment using its proprietary USBDC stablecoin on the Stellar blockchain, testing minting, redemption, freezing, and clawback functions.", "current_state_zh": "美国银行（U.S. Bank）——美国第五大商业银行——已成功在 Stellar 区块链上，使用其专有的美元支持稳定币 USBDC 完成一笔实时跨境支付。该试点在其北美与欧洲实体之间转移资金，并测试了铸造、赎回、冻结及追回（clawback）功能。\n\n这标志着大型美国银行首次使用自家稳定币在公共区块链上完成真实跨境支付，反映出机构对数字资产的采用进一步加深。同时，它也显示了银行如何将冻结和追回等合规控制融入公共链上的稳定币，这一设计虽然与抗审查的理想相悖，但可能更符合监管要求。\n\n该交易是美国银行内部开发的数字资产平台（Digital Asset Platform）的一部分，该平台将代币化资产与其传统银行基础设施连接，并与风险、合规和运营系统集成。自2025年11月以来，该行一直在与普华永道（PwC）和恒星发展基金会（Stellar Development Foundation）合作，测试在 Stellar 上发行稳定币；最新公告将其定义为 USBDC 的发布，但这仍属于试点而非大规模铺开。", "current_state_en": "U.S. Bank completed a live cross-border payment using its proprietary USBDC stablecoin on the Stellar blockchain, testing minting, redemption, freezing, and clawback functions.", "detailed_summary_zh": "U.S. Bank completed a live cross-border payment using its proprietary USBDC stablecoin on the Stellar blockchain, testing minting, redemption, freezing, and clawback functions.", "detailed_summary_en": "U.S. Bank completed a live cross-border payment using its proprietary USBDC stablecoin on the Stellar blockchain, testing minting, redemption, freezing, and clawback functions.", "background_zh": "稳定币是一种旨在保持价值稳定的数字资产，通常与美元等法定货币按 1:1 锚定，越来越多地用于支付和结算。Stellar 是一个开源区块链，专注于快速、低成本的跨境支付和资产代币化。大型银行正纷纷进入稳定币领域：2026年9月，包括美国银行（Bank of America）、花旗（Citi）、高盛（Goldman Sachs）和瑞银（UBS）在内的21家金融机构宣布计划联合发行美元稳定币；富达（Fidelity）也在2月推出了 FIDD 稳定币。", "background_en": "Stablecoins are digital assets designed to maintain a stable value, typically pegged 1:1 to a fiat currency such as the U.S. dollar, and are increasingly used for payments and settlements. Stellar is an open-source blockchain focused on fast, low-cost cross-border payments and asset tokenization. Major banks are entering the stablecoin space: in September 2026, 21 financial institutions including Bank of America, Citi, Goldman Sachs, and UBS announced plans to jointly issue a dollar stablecoin, and Fidelity launched its FIDD token in February.", "community_discussion_zh": "", "community_discussion_en": "", "market_impact_zh": "该试点可能巩固 Stellar 作为机构支付区块链的地位，从而提高市场对 XLM（该网络用于支付交易费用和充当桥接货币的原生资产）的关注。同时，它也反映出大型银行开始发行自己的受监管稳定币，与 Tether 和 Circle 等老牌发行商的竞争加剧；不过，一次试点并不会一夜之间改变稳定币市场的结构。", "market_impact_en": "The pilot could strengthen Stellar's position as a blockchain for institutional payment use cases, potentially increasing attention on XLM, the network's native asset used for transaction fees and as a bridge currency. It also highlights intensifying competition for established issuers such as Tether and Circle as large banks begin issuing their own regulated stablecoins, though a single pilot does not change the stablecoin market structure overnight.", "importance_score": 7.5, "references": [ { "url": "https://ir.usbank.com/news-events/news/news-details/2026/U-S--Bank-Launches-USBDC-Stablecoin/default.aspx", "title": "U.S. Bank Launches USBDC Stablecoin - U.S. Bancorp" }, { "url": "https://www.coindesk.com/business/2026/09/08/u-s-bank-takes-next-step-towards-launching-its-stablecoin-with-cross-border-payment-test", "title": "U.S. Bancorp (USB) takes next step towards launching its stablecoin with cross-border payment on Stellar (XLM)" }, { "url": "https://stellar.org/", "title": "Stellar | Blockchain Network for DeFi, Payments & Asset Tokenization" } ], "confidence": 0.75, "story_ids": [ "rss:cointelegraph.com_rss:55704e943f02b86a", "rss:thedefiant.io_api_feed:6e04f8f630a1eabf" ], "sources": [ { "url": "https://cointelegraph.com/news/us-bank-launches-usbdc-stablecoin-with-live-cross-border-payment?utm_source=rss_feed&utm_medium=rss&utm_campaign=rss_partner_inbound", "label": "Cointelegraph", "source_type": "rss", "official": false }, { "url": "https://thedefiant.io/converge/defi/us-bank-usbdc-stablecoin-stellar-cross-border-pilot", "label": "The Defiant", "source_type": "rss", "official": false } ] } ] }