哥倫比亞商學院教授質疑代幣化銀行存款的可行性
根據哥倫比亞商學院的兼任教授奧米德·馬萊坎（Omid Malekan）的說法，代幣化銀行存款缺乏穩定幣的靈活性和技術特性，因此被視為劣質產品。
馬萊坎指出，代幣化銀行存款是將銀行餘額記錄在區塊鏈上的一種新嘗試，但這項技術注定會輸給穩定幣。他表示，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其代幣，從責任的角度來看，這比發行代幣化銀行存款的部分準備金銀行更安全。
穩定幣的可組合性意味著它們可以在加密生態系統中轉移並用於各種應用，這與代幣化存款不同，後者是經過授權的，並且具有「了解你的客戶」（KYC）控制，功能受到限制。
馬萊坎進一步指出，代幣化銀行存款就像是一個「只能向同一家銀行的其他客戶開支票的支票賬戶」，他質疑道：「這有什麼意義？這種代幣無法用於大多數活動，對於跨境支付無用，無法服務於無銀行賬戶的人，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）。」
根據標準普爾銀行的預測，代幣化現實世界資產（RWA）市場，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。
穩定幣發行者必將分享收益
馬萊坎還指出，代幣化銀行存款必須與收益型穩定幣競爭，這些穩定幣發行者找到方法繞過《GENIUS穩定幣法》中對收益的禁令，通過各種客戶獎勵的形式傳遞收益。
銀行遊說團體對收益型穩定幣的抵制引發了爭議，因為他們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。根據資料，目前美國或英國零售銀行的儲蓄賬戶平均收益率低於1%，因此任何高於這一水平的收益對客戶來說都具吸引力。
來自紐約大學的教授奧斯丁·坎貝爾批評銀行業利用政治壓力來保護其金融利益，卻犧牲了零售客戶的利益。
這一討論凸顯了代幣化銀行存款和穩定幣之間的競爭，並引發了對傳統銀行業未來的深思。隨著數字貨幣的興起，銀行是否能夠適應這一變化，並保持其市場地位，將成為未來金融生態系統的重要議題。這不僅是技術的競爭，更是對於金融服務本質的重新思考。
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。
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