"这是最好的时代，也是最坏的时代。" 稳定币的崛起正让这句话有了最生动的注解。 做梦也想不到啊，稳如泰山的银行也会有灭顶之灾，数字货币和区块链这次真的是杀到老家了。 全球银行系统正在面临一场史无前例的墙角危机，原来我们是可以不需要有银行存在的。 本文将重点阐述稳定币在多地逆袭的现象，剖析其优势及对银行的影响，探讨巨头布局与未来金融秩序走向。 一、稳定币风暴：从阿根廷到非洲的 "逆袭" 在南美洲的阿根廷，经济的不稳定就像一场挥之不去的阴霾。 2022年，阿根廷的通货膨胀率如脱缰野马般飙升至100%以上，货币比索大幅贬值。 这种情况下，阿根廷民众对本国货币的信心降至冰点。 数据显示，仅仅在去年一年，阿根廷银行的储蓄就直接减少了20%。 这些钱都去哪儿了呢？答案是稳定币。 民众纷纷将存款从银行取出，转而投向稳定币的怀抱。 布宜诺斯艾利斯的一位小商人豪尔赫无奈地说："把钱存在银行，眼看着它一天天缩水，还不如换成稳定币，至少能保住一些价值。" 而在横跨欧亚大陆的土耳其，稳定币的身影已经深入到大街小巷。 在伊斯坦布尔的街头，卖烤肉的大叔阿里的摊位上摆着两种收款码，一种收里拉，另一种则收稳定币。 当顾客付款时，阿里总会热情 ...

Core Viewpoint - The launch of Huawei Mate XTs signifies a transformative moment for the financial industry, integrating advanced financial technology into a portable device, enhancing productivity and decision-making for finance professionals [1]. Group 1: Information Revolution - The shift from fragmented information to a comprehensive view is highlighted, allowing financial professionals to receive information proactively rather than searching for it [3][6][7]. - The introduction of Alice, a smart assistant, enables real-time updates on market conditions and alerts, streamlining the information-gathering process [5][6]. Group 2: Work Efficiency Transformation - The ability to generate detailed reports and summaries in a fraction of the time previously required represents a significant improvement in work efficiency [10][11]. - Financial analysts can now conduct live earnings call analyses and generate summaries within minutes, showcasing the enhanced capabilities of the new technology [9][16]. Group 3: Collaboration and Decision-Making Revolution - The new tools facilitate real-time collaboration and decision-making, allowing teams to access performance metrics and market reports instantly [12][14][15]. - The transition from traditional presentation methods to instant report generation during meetings reflects a major shift in operational efficiency within the financial sector [16]. Group 4: Future of Financial Tools - The future of productivity tools for finance professionals is moving away from traditional computers to portable, foldable devices, indicating a significant change in how financial tasks are approached [17].

Core Viewpoint - The implementation of Hong Kong's Stablecoin Regulation marks a significant step in the regulatory landscape for stablecoins, aiming to balance financial stability and innovation while enhancing Hong Kong's position as an international financial and settlement center [1][2]. Group 1: Regulatory Impact - The new regulation is expected to transition stablecoins from a medium of exchange to a critical financial infrastructure, accelerating the development of the digital finance industry [1]. - The establishment of a licensing system and requirements for issuers, such as capital adequacy, will ensure high market entry standards and stability [1][2]. Group 2: Market Dynamics - Institutions that participated in the "sandbox" testing are anticipated to apply for licenses, leading to a significant increase in compliant stablecoin products [2]. - The potential applications of stablecoins in cross-border payments and trade settlements are highlighted, which could enhance payment efficiency and lower costs, reinforcing Hong Kong's status as an offshore RMB center [2]. Group 3: Industry Sentiment - Brokerages express optimism about the stablecoin sector, with firms like Guosen Securities and Changjiang Securities emphasizing the acceleration of the digital currency and digital asset industry chain due to the new regulations [2]. - The linkage between stablecoins and Real World Assets (RWA) is seen as a catalyst for financial technology transformation, supporting the on-chain representation of real economy assets [2]. Group 4: Investment Opportunities - Analysts recommend focusing on investment opportunities in technology development and exchange platforms, anticipating significant industry benefits from policy incentives [2]. - The introduction of the regulation is viewed as a foundational step for the global first regulatory framework for fiat-backed stablecoins, enhancing liquidity and fostering innovation in RWA products [2]. Group 5: Understanding Stablecoins - Stablecoins are cryptocurrencies pegged to fiat currencies or physical assets, designed to maintain price stability, serving as a bridge between traditional finance and the crypto ecosystem [4].