<p><img src="https://imageproxy.pbkrs.com/https://invezz-wp-media.lon1.digitaloceanspaces.com/2026/05/image-1779280029.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1536" height="1024" original-src="https://imageproxy.pbkrs.com/https://invezz-wp-media.lon1.digitaloceanspaces.com/2026/05/image-1779280029.png"/></p>
<p>欧洲银行正在加快努力，建立一个区域性的替代于美国主导的数字支付系统的方案，25 家额外的贷款机构加入了一个准备在今年晚些时候推出欧元挂钩加密货币的财团。</p>
<p>该财团去年在阿姆斯特丹成立了一家名为 Qivalis 的公司，并于周三表示，其成员已从 15 个国家的金融机构扩展到 37 家。</p>
<p>该集团已经包括了 ING、法国巴黎银行和 BBVA 等主要欧洲银行。</p>
<p>新加入的成员包括荷兰的 ABN Amro 和 Rabobank、西班牙的 Sabadell 和 Bankinter、爱尔兰银行、瑞典的 Handelsbanken 以及芬兰的 Nordea 等。</p>
<p>这一举措是在欧洲金融机构探索如何加强欧元在数字金融中的角色，同时应对美国支付和加密货币公司的日益影响。</p>
<h2>欧洲银行推动基于区块链的支付基础设施</h2>
<p>该财团将这一倡议定位为对美国公司在数字支付和稳定币领域主导地位的欧洲回应。</p>
<p>Qivalis 首席执行官 Jan-Oliver Sell 表示，该项目旨在确保欧洲对基于区块链技术构建的金融基础设施保持控制。</p>
<p>“欧元是欧洲的货币，链上金融基础设施应该承载它——由欧洲机构构建，并遵循欧洲规则，” Sell 在一份声明中表示。</p>
<p>该项目还与对金融资产（如债券和房地产）最终可能作为基于区块链的加密代币进行交易的预期相关。</p>
<p>然而，欧洲中央银行对此类系统的广泛益处表示怀疑。</p>
<p>5 月早些时候的报告显示，预计将有几家银行加入该财团。</p>
<h2>传统贷款机构面临来自加密行业的压力</h2>
<p>加密行业越来越多地进入传统上由银行和主流金融机构主导的领域。</p>
<p>这种转变促使贷款机构寻找区块链技术在自身运营中的实际应用。</p>
<p>稳定币是与传统法定货币挂钩的加密货币，近年来迅速增长。</p>
<p>它们主要用于加密交易市场，但越来越多地被讨论作为未来支付和结算系统的一部分。</p>
<p>市场仍然被美元支持的稳定币所主导。</p>
<p>总部位于萨尔瓦多的 Tether 表示，其流通中约有 1900 亿美元的美元挂钩代币，而总部位于美国的 Circle 报告约有 770 亿美元。</p>
<p>美元挂钩稳定币的快速扩张加剧了欧洲对欧元在数字资产生态系统中有限存在的担忧。</p>
<h2>欧元挂钩稳定币的需求仍然有限</h2>
<p>尽管机构兴趣日益增长，欧元挂钩稳定币仍显著小于其美元对应物。</p>
<p>法国兴业银行的加密部门 SG-FORGE 在 2023 年推出了一种欧元支持的稳定币。</p>
<p>然而，该代币目前仅有 1.056 亿欧元（约合 1.224 亿美元）在流通。</p>
<p>SG-FORGE 并不是 Qivalis 财团的一部分。</p>
<p>欧元基础稳定币的相对有限采用突显了欧洲金融机构在试图围绕欧元建立竞争性数字支付生态系统时面临的挑战。</p>
<p>尽管如此，Qivalis 成员的不断扩展表明，随着来自加密行业的竞争加剧，欧洲银行越来越愿意在基于区块链的金融基础设施上进行合作。</p>
<p>这篇文章的标题是《欧洲贷款机构支持 Qivalis，数字欧元替代品的竞争加剧》，首次出现在 Invezz 上。</p>

荷兰国际

<p>欧洲银行正在组建一个名为 Qivalis 的财团，以创建一种与欧元挂钩的加密货币，成员从 15 个国家的 37 家机构扩大。该倡议旨在对抗以美国为主导的数字支付系统，并加强欧元在数字金融中的作用。ING 和法国巴黎银行等主要银行参与其中，新的成员包括 ABN Amro 和爱尔兰银行。尽管兴趣日益增长，与美元挂钩的稳定币相比，与欧元挂钩的稳定币仍然有限，这突显了欧洲金融机构在数字支付领域面临的挑战</p>

<p><img src="https://imageproxy.pbkrs.com/https://invezz-wp-media.lon1.digitaloceanspaces.com/2026/05/image-1779280029.png" alt="" original-src="https://invezz-wp-media.lon1.digitaloceanspaces.com/2026/05/image-1779280029.png"/></p>
<p>European banks are accelerating efforts to build a regional alternative to US-dominated digital payment systems, with 25 additional lenders joining a consortium preparing to launch a euro-pegged cryptocurrency later this year.</p>
<div class="lb-trans"><p>欧洲银行正在加快努力，建立一个区域性的替代于美国主导的数字支付系统的方案，25 家额外的贷款机构加入了一个准备在今年晚些时候推出欧元挂钩加密货币的财团。</p>
</div><p>The consortium, which established an Amsterdam-based company named Qivalis last year, said on Wednesday that its membership has expanded to 37 financial institutions from 15 countries.</p>
<div class="lb-trans"><p>该财团去年在阿姆斯特丹成立了一家名为 Qivalis 的公司，并于周三表示，其成员已从 15 个国家的金融机构扩展到 37 家。</p>
</div><p>The group already included major European banks such as ING, BNP Paribas, and BBVA.</p>
<div class="lb-trans"><p>该集团已经包括了 ING、法国巴黎银行和 BBVA 等主要欧洲银行。</p>
</div><p>Newly added members include Dutch lenders ABN Amro and Rabobank, Spanish banks Sabadell and Bankinter, Bank of Ireland, Sweden’s Handelsbanken, and Finland’s Nordea, among others.</p>
<div class="lb-trans"><p>新加入的成员包括荷兰的 ABN Amro 和 Rabobank、西班牙的 Sabadell 和 Bankinter、爱尔兰银行、瑞典的 Handelsbanken 以及芬兰的 Nordea 等。</p>
</div><p>The move comes as European financial institutions explore ways to strengthen the euro’s role in digital finance while responding to the growing influence of US-based payment and cryptocurrency firms.</p>
<div class="lb-trans"><p>这一举措是在欧洲金融机构探索如何加强欧元在数字金融中的角色，同时应对美国支付和加密货币公司的日益影响。</p>
</div><h2>European banks push blockchain-based payment infrastructure</h2>
<div class="lb-trans"><h2>欧洲银行推动基于区块链的支付基础设施</h2>
</div><p>The consortium has positioned the initiative as a European response to the dominance of US companies in digital payments and stablecoins.</p>
<div class="lb-trans"><p>该财团将这一倡议定位为对美国公司在数字支付和稳定币领域主导地位的欧洲回应。</p>
</div><p>Qivalis CEO Jan-Oliver Sell said the project is intended to ensure Europe maintains control over financial infrastructure built on blockchain technology.</p>
<div class="lb-trans"><p>Qivalis 首席执行官 Jan-Oliver Sell 表示，该项目旨在确保欧洲对基于区块链技术构建的金融基础设施保持控制。</p>
</div><p>“The euro is Europe's currency, and on-chain financial infrastructure should carry it - built by European institutions and governed by European rules,” Sell said in a statement.</p>
<div class="lb-trans"><p>“欧元是欧洲的货币，链上金融基础设施应该承载它——由欧洲机构构建，并遵循欧洲规则，” Sell 在一份声明中表示。</p>
</div><p>The project is also tied to expectations that financial assets such as bonds and real estate could eventually be traded as blockchain-based crypto tokens.</p>
<div class="lb-trans"><p>该项目还与对金融资产（如债券和房地产）最终可能作为基于区块链的加密代币进行交易的预期相关。</p>
</div><p>However, the European Central Bank has expressed scepticism about the broader benefits of such systems.</p>
<div class="lb-trans"><p>然而，欧洲中央银行对此类系统的广泛益处表示怀疑。</p>
</div><p>Reports earlier in May had indicated that several banks were expected to join the consortium.</p>
<div class="lb-trans"><p>5 月早些时候的报告显示，预计将有几家银行加入该财团。</p>
</div><h2>Traditional lenders face growing pressure from the crypto sector</h2>
<div class="lb-trans"><h2>传统贷款机构面临来自加密行业的压力</h2>
</div><p>The crypto industry has increasingly moved into areas traditionally dominated by banks and mainstream financial institutions.</p>
<div class="lb-trans"><p>加密行业越来越多地进入传统上由银行和主流金融机构主导的领域。</p>
</div><p>That shift has pushed lenders to look for practical applications of blockchain technology within their own operations.</p>
<div class="lb-trans"><p>这种转变促使贷款机构寻找区块链技术在自身运营中的实际应用。</p>
</div><p>Stablecoins, which are cryptocurrencies pegged to traditional fiat currencies, have grown rapidly in recent years.</p>
<div class="lb-trans"><p>稳定币是与传统法定货币挂钩的加密货币，近年来迅速增长。</p>
</div><p>They are primarily used within crypto trading markets but are increasingly being discussed as part of future payment and settlement systems.</p>
<div class="lb-trans"><p>它们主要用于加密交易市场，但越来越多地被讨论作为未来支付和结算系统的一部分。</p>
</div><p>The market remains heavily dominated by dollar-backed stablecoins.</p>
<div class="lb-trans"><p>市场仍然被美元支持的稳定币所主导。</p>
</div><p>El Salvador-based Tether said it has around $190 billion worth of dollar-pegged tokens in circulation, while US-based Circle reported approximately $77 billion.</p>
<div class="lb-trans"><p>总部位于萨尔瓦多的 Tether 表示，其流通中约有 1900 亿美元的美元挂钩代币，而总部位于美国的 Circle 报告约有 770 亿美元。</p>
</div><p>The rapid expansion of dollar-linked stablecoins has intensified concerns within Europe about the euro’s limited presence in the digital asset ecosystem.</p>
<div class="lb-trans"><p>美元挂钩稳定币的快速扩张加剧了欧洲对欧元在数字资产生态系统中有限存在的担忧。</p>
</div><h2>Demand for euro-pegged stablecoins remains limited</h2>
<div class="lb-trans"><h2>欧元挂钩稳定币的需求仍然有限</h2>
</div><p>Despite growing institutional interest, euro-pegged stablecoins remain significantly smaller than their US dollar counterparts.</p>
<div class="lb-trans"><p>尽管机构兴趣日益增长，欧元挂钩稳定币仍显著小于其美元对应物。</p>
</div><p>Societe Generale’s crypto division, SG-FORGE, launched a euro-backed stablecoin in 2023.</p>
<div class="lb-trans"><p>法国兴业银行的加密部门 SG-FORGE 在 2023 年推出了一种欧元支持的稳定币。</p>
</div><p>However, the token currently has only 105.6 million euros ($122.40 million) in circulation.</p>
<div class="lb-trans"><p>然而，该代币目前仅有 1.056 亿欧元（约合 1.224 亿美元）在流通。</p>
</div><p>SG-FORGE is not part of the Qivalis consortium.</p>
<div class="lb-trans"><p>SG-FORGE 并不是 Qivalis 财团的一部分。</p>
</div><p>The relatively limited adoption of euro-based stablecoins highlights the challenge facing European financial institutions as they attempt to build a competitive digital payments ecosystem around the euro.</p>
<div class="lb-trans"><p>欧元基础稳定币的相对有限采用突显了欧洲金融机构在试图围绕欧元建立竞争性数字支付生态系统时面临的挑战。</p>
</div><p>Still, the expanding membership of Qivalis signals that European banks are increasingly willing to collaborate on blockchain-based financial infrastructure as competition from the crypto sector intensifies.</p>
<div class="lb-trans"><p>尽管如此，Qivalis 成员的不断扩展表明，随着来自加密行业的竞争加剧，欧洲银行越来越愿意在基于区块链的金融基础设施上进行合作。</p>
</div><p>The post European lenders back Qivalis as race for digital euro alternatives grows appeared first on Invezz</p>
<div class="lb-trans"><p>这篇文章的标题是《欧洲贷款机构支持 Qivalis，数字欧元替代品的竞争加剧》，首次出现在 Invezz 上。</p>
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European lenders back Qivalis as race for digital euro alternatives grows

invezz

随着对数字欧元替代方案的竞争加剧，欧洲贷款机构支持 Qivalis