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哥倫比亞商學院教授對代幣化銀行存款表示懷疑
根據哥倫比亞商學院的兼任教授Omid Malekan，代幣化銀行存款缺乏穩定幣的靈活性和技術特性，因此是一種劣質產品。
銀行和金融機構已經開始嘗試代幣化銀行存款，這是將銀行餘額記錄在區塊鏈上的一種方式，但Malekan認為這項技術注定會輸給穩定幣。
他指出，過度抵押的穩定幣發行者必須維持1:1的現金或短期現金等價物儲備來支持他們的代幣，從負債的角度來看，這比發行代幣化銀行存款的部分準備金銀行更安全。
穩定幣還具有可組合性，這意味著它們可以在加密生態系統中轉移並用於各種應用，與此不同的是，代幣化存款是經過授權的，受到「了解你的客戶」（KYC）控制，並且功能受限。
Malekan進一步表示，代幣化銀行存款就像是一個「只能向同一銀行的其他客戶開支票的支票帳戶」。他問道：「這樣的代幣有什麼意義？這種代幣無法用於大多數活動，對於跨境支付毫無用處，無法服務於無銀行賬戶的人群，沒有可組合性，無法與其他資產進行原子交換，也無法用於去中心化金融（DeFi）。」
根據標準銀行的預測，代幣化的實體資產（RWA）部門——即在區塊鏈上代幣化的實體或金融資產，包括法定貨幣、房地產、股票、債券、商品、藝術品和收藏品——預計到2028年將膨脹至2萬億美元。
穩定幣發行者將以某種方式分享收益
Malekan還指出，代幣化銀行存款必須與產生收益的穩定幣競爭，或者穩定幣發行者會找到方法繞過《GENIUS穩定幣法》中對收益的禁止，通過各種客戶獎勵的形式將收益轉嫁給客戶。
銀行遊說團體對產生收益的穩定幣表示反對，擔心穩定幣發行者與客戶分享利息會侵蝕銀行業的市場份額。
目前，美國或英國零售銀行的儲蓄賬戶平均收益率低於1%，使得任何高於這個水平的收益對客戶都具有吸引力。
紐約大學教授Austin Campbell批評銀行遊說團體對產生收益的穩定幣的抵制，指責銀行業利用政治壓力來保護其金融利益，卻以零售客戶的利益為代價。
這些討論顯示出在金融科技迅速發展的今天，傳統銀行體系面臨的挑戰。隨著穩定幣和代幣化資產的興起，銀行業需要重新思考其商業模式，以適應這一變化的環境。這不僅是技術的挑戰，更是對傳統金融體系的根本性考驗。銀行若不及時調整，可能會在未來的金融生態中被邊緣化。
以上文章由特價GPT API KEY所翻譯及撰寫。而圖片則由FLUX根據內容自動生成。
![{
"intro": "Create an ultra realistic 8K UHD DSLR photo based on the attached image as a reference of facial features, maintaining 100% likeness.",
"subject": {
"identity": "A stylish beautiful woman portrayed as Cleopatra during her sacred milk bath beauty ritual, embodying divine femininity, sensual elegance, and timeless power.",
"angle": "Close-up beauty editorial captured at a refined 3/4 angle, focusing on her face, shoulders, and upper chest with extreme clarity and no blur.",
"pose": {
"body_position": "She is partially submerged in a luxurious milk bath, her shoulders and collarbones emerging gracefully from the surface.",
"hands": "One hand gently rests at the edge of the bath with milk droplets on her fingers, while the other lightly touches her neck adorned with subtle gold jewelry.",
"expression": "Soft yet commanding gaze directed toward the camera—calm, confident, intimate, and hypnotic."
}
},
"appearance": {
"outfit": "A barely-there, ritual-style ivory silk drape partially submerged in the milk bath, clinging softly to her skin. The fabric is delicate and translucent, edged with fine gold-thread embroidery for a sensual, sacred aesthetic.",
"accessories": "Minimal ritual jewelry—thin gold collar necklace resting above the milk surface, delicate arm cuff, subtle finger ring—kept refined to maintain focus on beauty and skin.",
"hair": "Her hair is sleek and ritual-polished, partially damp and slicked back at the crown, with soft wet strands framing her face naturally, reflecting candlelight.",
"makeup": "High-fashion Cleopatra beauty makeup with ceremonial artistry—perfectly sculpted brows, elongated black kohl eyeliner, vibrant eyeshadow layered in turquoise, teal, emerald, sapphire blue, and metallic gold. Beneath the eyes, subtle artistic ink-inspired accents echo ancient Egyptian symbolism. Her skin is luminous and dewy, cheeks softly flushed, and lips finished in a nude-rose satin sheen."
},
"ritual_props": {
"bath": "A carved alabaster bathtub filled with warm milk infused with honey, almond oil, and lotus essence.",
"floating_elements": [
"Fresh lotus flowers",
"Soft white rose petals",
"Delicate gold flakes shimmering on the milk surface"
],
"beauty_products": [
"Small golden perfume vial with lotus and myrrh oil",
"Alabaster bowl of honey and milk mixture",
"Clay jar of mineral kohl and pigment powders"
]
},
"background": {
"macro_environment": "An intimate royal bathing chamber within Cleopatra’s palace, designed as a sacred beauty sanctuary.",
"midground_details": "Soft linen curtains, glowing oil lamps, tall candles, and subtle steam rising from the bath, creating a warm and sensual atmosphere.",
"micro_elements": "Milk ripples around her skin, floating petals touching her shoulders, tiny droplets of moisture on her collarbones, reflections of candle flames on gold jewelry, visible stone texture on the tub, and delicate fabric translucency—every detail sharply rendered with zero blur."
},
"lighting": {
"type": "Warm cinematic candlelight combined with soft ambient palace glow.",
"effect": "Golden highlights sculpt her face and skin while gentle shadows enhance depth, intimacy, and divine beauty."
},
"camera": {
"camera_type": "DSLR",
"resolution": "8K UHD",
"lens": "85mm prime lens for beauty editorial compression",
"aperture": "f/8 for maximum facial and detail sharpness",
"iso": 100,
"shutter_speed": "1/160s",
"focus": "Extreme sharp focus on facial features, skin texture, makeup details, and milk surface, no bokeh, no blur"
},
"style": "Luxury beauty editorial, sacred milk bath ritual, ancient Egyptian goddess realism, intimate yet powerful, ultra-detailed, luminous skin focus, cinematic elegance"
}](https://ssfuture.shop/wp-content/uploads/ai_gen_1766006026-300x167.png)
![ultra-sharp close-up portrait of a woman [image uploaded] with soft, fair, luminous skin, natural rosy blush across her cheeks and nose. she has large, expressive brown eyes with subtle warm eyeshadow, soft eyeliner, and long defined lashes. her lips are glossy with a natural pink tint. her dark brown hair is styled in a voluminous messy updo with loose, wispy tendrils framing her face, creating a soft, youthful look. lighting is bright, warm, and natural, coming from the side window, casting gentle highlights on her skin and hair. she wears a red sleeveless top, layered delicate pearl necklaces, and a single visible red earring with gold detailing. background features a softly lit indoor space with curtains and a window showing blue sky, creating a fresh, airy mood. overall aesthetic is modern beauty photography with clean color tones, perfect skin texture, and high-end editorial styling. negative prompt: distorted face, unnatural freckles, incorrect hair texture, uneven lighting, heavy makeup, washed-out colors, low resolution, cluttered background, incorrect accessories, over-retouching, harsh shadows.](https://ssfuture.shop/wp-content/uploads/ai_gen_1766008395-300x201.png)