Bitwise CIO Matt Hougan has suggested that if Congress passes comprehensive stablecoin legislation this year, it could prove as big as or bigger than the launch of the U.S. spot bitcoin exchange-traded funds in terms of crypto adoption.

Bitwise首席投资官马特·豪根表示，如果国会今年通过全面的稳定币立法，这可能会在加密货币采用方面与或超过美国现货比特币交易所交易基金的推出一样重要。

On Wednesday, Ranking Democrat of the House Financial Services Committee Maxine Waters said she and Chair Patrick McHenry were on their way "to getting a stablecoin bill in the short run."

周三，众议院金融服务委员会民主党高级成员马克辛·沃特斯表示，她和主席帕特里克·麦克亨利正在“短期内制定稳定币法案”。

In a note to clients on Monday, Hougan suggested this had gone under the radar — arguing that “it looks like Congress may actually pass comprehensive stablecoin legislation this year,” with Waters indicating the deal already has widespread support.

在周一给客户的一份备忘录中，豪根表示这一点已经被忽视了，他认为“看起来国会今年可能会通过全面的稳定币立法”，而沃特斯表示该协议已经得到了广泛支持。

However, Cody Carbone, Vice President of Policy for the Chamber of Digital Commerce, told The Block on Friday there is still an unresolved sticking point on who should be the primary regulator for stablecoin issuers.

然而，数字商会政策副总裁科迪·卡尔邦在周五告诉The Block，关于稳定币发行者应该由谁担任主要监管机构仍存在未解决的争议。

In Hougan’s view, the bipartisan interest is being driven by three factors.

豪根认为，两党的兴趣受到三个因素的推动。

Firstly, as Federal Reserve Governor Waller noted, stablecoins can be good for the U.S. dollar, helping it maintain its position as the world’s reserve currency. Secondly, stablecoin projects are significant buyers of U.S. Treasuries — equivalent to the 16th largest sovereign holder. Thirdly, the sheer financial opportunity.

首先，正如美联储理事沃勒指出的那样，稳定币对美元有利，有助于其保持世界储备货币的地位。其次，稳定币项目是美国国债的重要购买者，相当于第16大主权持有者。第三，纯粹的金融机会。

For example, the largest stablecoin issuer, Tether, earned $6.3 billion in profit last year with 125 employees compared to Goldman Sachs’ $8.5 billion with 45,000 staff, Hougan noted. “You can bet your bottom stablecoin: Wall Street is lobbying to be let into the stablecoin game,” he said.

例如，最大的稳定币发行者泰达币去年利润63亿美元，拥有125名员工，而高盛利润85亿美元，员工45000人。豪根指出：“可以肯定地说，华尔街正在游说进入稳定币游戏。”

As the first comprehensive crypto legislation passed by Congress, the Bitwise CIO argued the bill would enable banks like JPMorgan to enter the space and move from “foes to friends” in parts of the crypto ecosystem. “Millions of people and corporations would be introduced to the speed, low costs, and ease of use that crypto wallets, stablecoins, and blockchain-based payment rails offer,” he added.

作为国会通过的首部全面加密货币立法，Bitwise首席投资官认为，该法案将使摩根大通等银行有机会进入这一领域，并在加密货币生态系统的某些部分从“敌人”变成“朋友”。他补充说：“数百万人和公司将体验到加密钱包、稳定币和基于区块链的支付渠道所提供的速度、低成本和易用性。”

Hougan suggested we could be regularly making payments with stablecoins within just a few years, citing Stripe’s recently announced “pay with stablecoins” feature and Visa’s on-chain analytics platform showing rising stablecoin adoption.

豪根建议我们在未来几年内可能会定期使用稳定币进行支付，他引用了Stripe最近宣布的“使用稳定币支付”功能以及Visa的链上分析平台显示的稳定币采用率上升。

The total stablecoin market is currently valued at $166.4 billion, according to The Block’s data dashboard — up 23% year-to-date, though still down from a peak of around $181 billion in April 2022.

根据The Block的数据仪表板，目前稳定币市场总价值为1664亿美元，同比增长23%，尽管仍低于2022年4月的约1810亿美元的峰值。

与ETF之前和之后一样，Hougan认为，在稳定币成为主流之前和之后，市场将经历另一个“阶跃”变化。

显然，投资者无法从稳定币本身价值的升值中获益。然而，他们可以投资于与稳定币相关的“工具和设备”，Hougan指出，指的是像以太坊和Solana这样的Layer 1区块链，它们承载着大量的稳定币供应以及与数字资产互动的各种DeFi应用。

“换句话说：加密货币正准备迈向另一个巨大的主流市场飞跃，”Hougan总结道。

上周，Bitwise首席投资官在比特币下一次减半之前做出了五项预测，包括250,000美元的价格目标。

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