日本三大银行将联合发行稳定币

Core Viewpoint - The three major banks in Japan are collaborating to issue stablecoins pegged to fiat currencies like the yen and the dollar, aiming to facilitate low-cost settlements for businesses and mitigate the dominance of US dollar-pegged stablecoins in the Japanese market [2][8]. Group 1: Stablecoin Implementation - The three banks, including Mitsubishi UFJ, Sumitomo Mitsui, and Mizuho, will establish a standardized framework for stablecoins that can be used for internal and inter-company settlements [4][7]. - The initial phase will see stablecoins utilized for internal fund settlements within Mitsubishi Corporation, which has over 240 major business companies [7]. - The stablecoins will be backed by deposits and government bonds to maintain their value, and the banks plan to issue a yen-pegged stablecoin first, with a dollar-pegged stablecoin to follow [4][7]. Group 2: Cost Reduction and Efficiency - The use of stablecoins is expected to significantly reduce remittance costs and operational complexities for Mitsubishi Corporation, which frequently engages in international remittances [7]. - Current international payment methods, such as SWIFT, can incur fees exceeding 10% of the remittance amount and take several days to process, while stablecoins could complete transactions in as little as 70 seconds at a cost of less than 1 yen per transaction [7]. Group 3: Collaboration and Future Prospects - The banks will collaborate with fintech company Progmat and the Japanese Financial Services Agency to validate the operational aspects of the stablecoin system [4]. - The banks are also inviting other financial institutions to participate in this initiative to prevent the chaotic coexistence of multiple stablecoins in Japan [8].