<ul>
<li>花旗集团（NYSE:C）已与摩根大通和美国银行共同推出一个共享的代币化存款网络，以提供基于区块链的实时结算。</li>
<li>新网络旨在将存款保留在受监管的银行系统内，并应对来自稳定币和其他加密支付选项的竞争。</li>
<li>与此同时，花旗集团正在进行内部领导层变动，合并部分高管职务并任命新的高级领导。</li>
</ul>
<p>对于跟踪 NYSE:C 的投资者来说，此次更新时股票价格为 135.15 美元。该公司的股票表现被描述为在多年的视角下强劲，过去一年 NYSE:C 上涨了 80.3%，过去三年上涨超过 2 倍，今年迄今为止回报率为 13.9%。</p>
<p>进入代币化存款的举措，以及更新的领导结构，反映了花旗集团在数字货币选项扩展的背景下，保持其核心业务竞争力的持续努力。读者可能想要关注新网络的采用情况以及管理层变动如何影响花旗在支付和交易服务中的地位。</p>
<p>通过将花旗添加到您的关注列表或投资组合，随时了解花旗集团最重要的新闻故事。或者，探索我们的社区，发现关于花旗的新视角。</p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/e7e20c7a-6f05-4455-a45d-33a7dc6fee23/chart/earnings-and-revenue-growth/query-ZGF0ZT0yMDI2LTA2LTA1?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1642" height="1048" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/e7e20c7a-6f05-4455-a45d-33a7dc6fee23/chart/earnings-and-revenue-growth/query-ZGF0ZT0yMDI2LTA2LTA1"/></p>
<p>截至 2026 年 6 月的 NYSE:C 收益与收入增长</p>
<p>我们已标记出花旗集团的一个风险。查看可能影响您投资的因素。</p>
<p>代币化存款网络使花旗与摩根大通和美国银行并肩应对稳定币和加密支付渠道。对于您作为投资者而言，这对短期收益的影响较小，更重要的是花旗如何保护其核心交易银行业务。通过使用区块链在近实时内转移存款，同时将资金保留在受监管的银行系统内，花旗表明其打算在速度和效率上直接与稳定币发行者竞争，而不是放弃这一领域。同时，围绕战略、并购和投资者关系整合领导职务，集中决策资本部署以及哪些合作或收购支持数字议程。综合来看，网络的推出和领导层的重组暗示了对数字货币、融资和交易的更为综合的方法。这可能影响花旗在未来几年与摩根大通、美国银行和富国银行在支付和企业银行业务中的定位。</p>
<h3>这如何融入花旗集团的叙述</h3>
<ul>
<li>进入代币化存款的举措直接与数字转型、自动化和花旗代币服务作为更高效的收费交易服务的驱动因素的叙述焦点相关联。</li>
<li>来自稳定币和金融科技支付平台的更强竞争可能会挑战叙述假设，即花旗的交易银行和跨境支付可以在没有定价和利润压力的情况下持续增长。</li>
<li>与其他大型银行的共享网络以及内部领导变动并未完全体现在叙述中，叙述更侧重于花旗自身的平台，而非联合行业基础设施和治理的变化。</li>
</ul>
<p>了解一家公司的价值始于理解其故事。查看 Simply Wall St 社区中关于花旗的顶级叙述，以帮助您决定其对您的价值。</p>
<h3>投资者应考虑的风险与回报</h3>
<ul>
<li>⚠️ 来自稳定币、金融科技公司和大型科技公司的竞争可能限制花旗在跨境和支付收入方面的增长能力，如果客户将交易量转移离开银行网络。</li>
<li>⚠️ 持续的转型成本、监管审查和重组复杂性可能会对盈利能力造成压力，即使花旗在代币化和数字基础设施上进行投资。</li>
<li>🎁 代币化存款网络与花旗在数字交易服务方面的推动相一致，如果客户大规模采用基于银行的区块链渠道，可能支持更高的费用收入。</li>
<li>🎁 紧缩对战略、并购和投资者关系的监督的领导变动可能帮助花旗在数字项目、财富管理和其他增长领域之间更有效地分配资本。</li>
</ul>
<h3>未来需要关注的事项</h3>
<p>在此次公告之后，值得关注大型企业和机构客户开始使用新的代币化存款网络的速度，以及花旗是否能够将参与转化为支付和交易服务中的更高交易量。投资者还应关注合并的战略和并购角色如何塑造未来在数字资产和金融科技领域的合作或收购，以及这些选择是否能应对来自稳定币和非银行支付提供商的竞争压力。在即将召开的财报电话会议中，关于实施成本、监管反馈和客户对代币化存款的早期需求的任何评论，将是评估这一举措在花旗更广泛转型计划中可能意义的重要信号。</p>
<p>为了确保您始终了解最新消息如何影响花旗集团的投资叙述，请访问花旗的社区页面，以便不错过关于顶级社区叙述的更新。</p>
<p><em>本文由 Simply Wall St 撰写，内容具有一般性。<strong>我们基于历史数据和分析师预测提供评论，采用无偏见的方法，我们的文章并不构成财务建议。</strong> 这并不构成买卖任何股票的推荐，也未考虑您的目标或财务状况。我们旨在为您提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
<h3><strong>新：</strong> AI 股票筛选器与警报</h3>
<p>我们的新人工智能股票筛选器每天扫描市场，以发现机会。</p>
<p>• 分红强劲的股票（收益率超过 3%）</p>
<p>• 内部人士买入的被低估小盘股</p>
<p>• 高增长的科技和人工智能公司</p>
<p>或者从 50 多个指标中构建您自己的筛选器。</p>
<p>立即免费探索</p>

花旗

摩根大通

美国银行

<p>花旗已与摩根大通和美国银行共同推出一个共享的代币化存款网络，以提供基于区块链的实时结算。该举措旨在将存款留在受监管的银行系统内，并与稳定币竞争。同时，花旗正在重组领导层，通过合并高管职位和任命新的高级领导，以更好地对齐战略、并购和投资者关系</p>

<ul>
<li>Citigroup (NYSE:C) has joined JPMorgan Chase and Bank of America in launching a shared tokenized deposit network to offer blockchain based, real time settlement.</li>
<li>The new network is designed to keep deposits within the regulated banking system and respond to competition from stablecoins and other crypto payment options.</li>
<li>At the same time, Citigroup is pursuing internal leadership changes, combining selected executive roles and appointing new senior leaders.</li>
</ul>
<div class="lb-trans"><ul>
<li>花旗集团（NYSE:C）已与摩根大通和美国银行共同推出一个共享的代币化存款网络，以提供基于区块链的实时结算。</li>
<li>新网络旨在将存款保留在受监管的银行系统内，并应对来自稳定币和其他加密支付选项的竞争。</li>
<li>与此同时，花旗集团正在进行内部领导层变动，合并部分高管职务并任命新的高级领导。</li>
</ul>
</div><p>For investors tracking NYSE:C, this update comes with the stock at $135.15. The company’s share performance has been described as strong on a multi year view, with NYSE:C reported as up 80.3% over the past year and more than 2x over the past three years, and showing a 13.9% return year to date.</p>
<div class="lb-trans"><p>对于跟踪 NYSE:C 的投资者来说，此次更新时股票价格为 135.15 美元。该公司的股票表现被描述为在多年的视角下强劲，过去一年 NYSE:C 上涨了 80.3%，过去三年上涨超过 2 倍，今年迄今为止回报率为 13.9%。</p>
</div><p>The move into tokenized deposits, together with a refreshed leadership structure, reflects an ongoing effort to keep Citigroup’s core franchise competitive as digital money options expand. Readers may want to monitor how adoption of the new network and the management changes affect Citigroup’s position in payments and transaction services over time.</p>
<div class="lb-trans"><p>进入代币化存款的举措，以及更新的领导结构，反映了花旗集团在数字货币选项扩展的背景下，保持其核心业务竞争力的持续努力。读者可能想要关注新网络的采用情况以及管理层变动如何影响花旗在支付和交易服务中的地位。</p>
</div><p>Stay updated on the most important news stories for Citigroup by adding it to your watchlist or portfolio. Alternatively, explore our Community to discover new perspectives on Citigroup.</p>
<div class="lb-trans"><p>通过将花旗添加到您的关注列表或投资组合，随时了解花旗集团最重要的新闻故事。或者，探索我们的社区，发现关于花旗的新视角。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/e7e20c7a-6f05-4455-a45d-33a7dc6fee23/chart/earnings-and-revenue-growth/query-ZGF0ZT0yMDI2LTA2LTA1" alt="" original-src="https://images.simplywall.st/company/e7e20c7a-6f05-4455-a45d-33a7dc6fee23/chart/earnings-and-revenue-growth?date=2026-06-05"/></p>
<p>NYSE:C Earnings &amp; Revenue Growth as at Jun 2026</p>
<div class="lb-trans"><p>截至 2026 年 6 月的 NYSE:C 收益与收入增长</p>
</div><p>We've flagged 1 risk for Citigroup. See which could impact your investment.</p>
<div class="lb-trans"><p>我们已标记出花旗集团的一个风险。查看可能影响您投资的因素。</p>
</div><p>The tokenized deposit network puts Citigroup side by side with JPMorgan and Bank of America in a shared response to stablecoins and crypto payment rails. For you as an investor, this matters less for near term earnings and more for how Citi protects its core transaction banking franchise. By using blockchain to move deposits in near real time while keeping funds inside the regulated banking system, Citi is signaling that it intends to compete directly with stablecoin issuers on speed and efficiency rather than ceding that ground. At the same time, consolidating leadership roles around strategy, M&amp;A and investor relations concentrates decision making on where to deploy capital and which partnerships or acquisitions support that digital agenda. Taken together, the network launch and leadership reshuffle suggest a more integrated approach to digital money, funding and deal making. This could influence how Citi is positioned next to peers like JPMorgan, Bank of America and Wells Fargo in payments and corporate banking over the coming years.</p>
<div class="lb-trans"><p>代币化存款网络使花旗与摩根大通和美国银行并肩应对稳定币和加密支付渠道。对于您作为投资者而言，这对短期收益的影响较小，更重要的是花旗如何保护其核心交易银行业务。通过使用区块链在近实时内转移存款，同时将资金保留在受监管的银行系统内，花旗表明其打算在速度和效率上直接与稳定币发行者竞争，而不是放弃这一领域。同时，围绕战略、并购和投资者关系整合领导职务，集中决策资本部署以及哪些合作或收购支持数字议程。综合来看，网络的推出和领导层的重组暗示了对数字货币、融资和交易的更为综合的方法。这可能影响花旗在未来几年与摩根大通、美国银行和富国银行在支付和企业银行业务中的定位。</p>
</div><h3>How This Fits Into The Citigroup Narrative</h3>
<div class="lb-trans"><h3>这如何融入花旗集团的叙述</h3>
</div><ul>
<li>The move into tokenized deposits directly links to the narrative focus on digital transformation, automation and Citi Token Services as drivers of more efficient, fee-based transaction services.</li>
<li>Stronger competition from stablecoins and fintech payment platforms could challenge the narrative assumption that Citi’s transaction banking and cross-border payments can keep growing without pressure on pricing and margins.</li>
<li>The shared network with other large banks and the internal leadership changes are not fully captured in the narrative, which focuses more on Citi’s own platforms than on joint industry infrastructure and governance shifts.</li>
</ul>
<div class="lb-trans"><ul>
<li>进入代币化存款的举措直接与数字转型、自动化和花旗代币服务作为更高效的收费交易服务的驱动因素的叙述焦点相关联。</li>
<li>来自稳定币和金融科技支付平台的更强竞争可能会挑战叙述假设，即花旗的交易银行和跨境支付可以在没有定价和利润压力的情况下持续增长。</li>
<li>与其他大型银行的共享网络以及内部领导变动并未完全体现在叙述中，叙述更侧重于花旗自身的平台，而非联合行业基础设施和治理的变化。</li>
</ul>
</div><p>Knowing what a company is worth starts with understanding its story. Check out one of the top narratives in the Simply Wall St Community for Citigroup to help decide what it's worth to you.</p>
<div class="lb-trans"><p>了解一家公司的价值始于理解其故事。查看 Simply Wall St 社区中关于花旗的顶级叙述，以帮助您决定其对您的价值。</p>
</div><h3>The Risks and Rewards Investors Should Consider</h3>
<div class="lb-trans"><h3>投资者应考虑的风险与回报</h3>
</div><ul>
<li>⚠️ Competition from stablecoins, fintechs and large tech companies could limit Citi’s ability to grow cross-border and payments revenue if clients shift volume away from bank-based networks.</li>
<li>⚠️ Ongoing transformation costs, regulatory scrutiny and restructuring complexity may weigh on profitability even as Citi invests in tokenization and digital infrastructure.</li>
<li>🎁 The tokenized deposit network aligns with Citi’s push into digital transaction services, which could support higher fee income if clients adopt bank-based blockchain rails at scale.</li>
<li>🎁 Leadership changes that tighten oversight of strategy, M&amp;A and investor relations may help Citi allocate capital more effectively between digital projects, wealth management and other growth areas.</li>
</ul>
<div class="lb-trans"><ul>
<li>⚠️ 来自稳定币、金融科技公司和大型科技公司的竞争可能限制花旗在跨境和支付收入方面的增长能力，如果客户将交易量转移离开银行网络。</li>
<li>⚠️ 持续的转型成本、监管审查和重组复杂性可能会对盈利能力造成压力，即使花旗在代币化和数字基础设施上进行投资。</li>
<li>🎁 代币化存款网络与花旗在数字交易服务方面的推动相一致，如果客户大规模采用基于银行的区块链渠道，可能支持更高的费用收入。</li>
<li>🎁 紧缩对战略、并购和投资者关系的监督的领导变动可能帮助花旗在数字项目、财富管理和其他增长领域之间更有效地分配资本。</li>
</ul>
</div><h3>What To Watch Going Forward</h3>
<div class="lb-trans"><h3>未来需要关注的事项</h3>
</div><p>After this announcement, it is worth watching how quickly large corporate and institutional clients start using the new tokenized deposit network and whether Citi can translate participation into higher volumes in payments and transaction services. Investors should also pay attention to how the combined strategy and M&amp;A role shapes future partnerships or acquisitions in digital assets and fintech, and whether these choices address the competitive pressure from stablecoins and non-bank payment providers. Any commentary in upcoming earnings calls on implementation costs, regulatory feedback and early client demand for tokenized deposits will be important signals for how meaningful this initiative could be within Citi’s broader transformation plan.</p>
<div class="lb-trans"><p>在此次公告之后，值得关注大型企业和机构客户开始使用新的代币化存款网络的速度，以及花旗是否能够将参与转化为支付和交易服务中的更高交易量。投资者还应关注合并的战略和并购角色如何塑造未来在数字资产和金融科技领域的合作或收购，以及这些选择是否能应对来自稳定币和非银行支付提供商的竞争压力。在即将召开的财报电话会议中，关于实施成本、监管反馈和客户对代币化存款的早期需求的任何评论，将是评估这一举措在花旗更广泛转型计划中可能意义的重要信号。</p>
</div><p>To ensure you're always in the loop on how the latest news impacts the investment narrative for Citigroup, head to the community page for Citigroup to never miss an update on the top community narratives.</p>
<div class="lb-trans"><p>为了确保您始终了解最新消息如何影响花旗集团的投资叙述，请访问花旗的社区页面，以便不错过关于顶级社区叙述的更新。</p>
</div><p><em>This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.</em></p>
<div class="lb-trans"><p><em>本文由 Simply Wall St 撰写，内容具有一般性。<strong>我们基于历史数据和分析师预测提供评论，采用无偏见的方法，我们的文章并不构成财务建议。</strong> 这并不构成买卖任何股票的推荐，也未考虑您的目标或财务状况。我们旨在为您提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
</div><h3><strong>New:</strong> AI Stock Screener &amp; Alerts</h3>
<div class="lb-trans"><h3><strong>新：</strong> AI 股票筛选器与警报</h3>
</div><p>Our new AI Stock Screener scans the market every day to uncover opportunities.</p>
<div class="lb-trans"><p>我们的新人工智能股票筛选器每天扫描市场，以发现机会。</p>
</div><p>• Dividend Powerhouses (3%+ Yield)</p>
<div class="lb-trans"><p>• 分红强劲的股票（收益率超过 3%）</p>
</div><p>• Undervalued Small Caps with Insider Buying</p>
<div class="lb-trans"><p>• 内部人士买入的被低估小盘股</p>
</div><p>• High growth Tech and AI Companies</p>
<div class="lb-trans"><p>• 高增长的科技和人工智能公司</p>
</div><p>Or build your own from over 50 metrics.</p>
<div class="lb-trans"><p>或者从 50 多个指标中构建您自己的筛选器。</p>
</div><p>Explore Now for Free</p>
<div class="lb-trans"><p>立即免费探索</p>
</div>

Citigroup Targets Stablecoin Rivals With Tokenized Deposits And New Leadership

- 花旗集团与摩根大通和美国银行共同推出共享代币存款网络。  
- 此举旨在保持存款在受监管的银行系统内，以应对稳定币竞争。  
- 花旗的股价表现强劲，过去一年上涨 80.3%，显示出增长潜力。

Simplywall

富国银行

CITIGROUP INC 6.250 NON CUM SER II PFD WI

JPMORGAN CHASE & CO. 4.20% DEP SHS REPSTG 1/400TH PFD SER MM

JPMORGAN CHASE & CO. 6%NON CUM DEP SHS REP 1/400TH PFD SER EE

JPMORGAN CHASE & CO. DEP REP 1/400TH (5.75% NON CUM PFD DD)

JPMORGAN CHASE & CO. 4.625% DEP SH RE 1/400TH INT NO CU PF LL

JPMorgan Chase & Co.

JPMORGAN CHASE & CO. 4.55% DEP SHS REPSTG 1/400TH PFD SER JJ

JPMORGAN CHASE & CO. 4.75 DEP SHS REP 1/400 NCUM PFD SR GG

BANK OF AMERICA CORPORATION DEP SHS REP 1/1000TH INT NON CUM PFD QQ

BANK OF AMERICA CORPORATION DEP SHS REP 1/1200TH PRF SERIES '5'

BANK OF AMERICA CORPORATION 7.25% NON-CUM PERP CONV PFD SER L

BANK OF AMERICA CORPORATION 5.875%NON CUM DEP SHS REP1/1000TH SER HH

BANK OF AMERICA CORPORATION DEP SHS REP 1/1200TH PRF SERIES '2'

BANK OF AMERICA CORPORATION 5% DEP SHS REPR 1/1000TH NON CUM PFD LL

BANK OF AMERICA CORPORATION DEP SHARES REP 1/1000TH PERP PFD SER 'E'

BANK OF AMERICA CORPORATION INCOME CAPITAL OBLIG NTS DUE 15/12/2066

BANK OF AMERICA CORPORATION 4.375% DP SH RP 1/1000TH IN NON CU PF NN

BANK OF AMERICA CORPORATION DEP SH REP 1/1200TH PRF SER 1 USD25

BANK OF AMERICA CORPORATION 5.375%DEP SHS REP 1/1000TH NON CUM SR KK

BANK OF AMERICA CORPORATION 6%NON CUM DEP SHS EACH REP 1/1000 SER GG

BANK OF AMERICA CORPORATION DEP SHS REP 1/1200 PFD SER 4 USD25

BANK OF AMERICA CORPORATION DEP SHS REP 1/1000TH NON CUM PFD SER SS

BANK OF AMERICA CORPORATION 4.125%DEP SH REP 1/1000 PFD SER PP USD25

Bank of America Corp

WELLS FARGO & COMPANY DP SHS REP 1/1000TH INT NCUM PFD CL A DD

WELLS FARGO & COMPANY 7.5% PERP CONV PRF CLS 'A' SERIES 'L'

WELLS FARGO & COMPANY DEP SHS REP 1/1000 INT PER PFD SER Y A

WELLS FARGO & COMPANY DP SHS REP 1/1000TH INT NCUM PFD CL A CC

WELLS FARGO & COMPANY 4.75% DEP SHS 1/1000 NCUM PFD CL A SR Z

WELLS FARGO & COMPANY DEP SHS REP 1/1000TH INT PFD SR AA (CLA)

花旗集团通过代币化存款和新的领导层，瞄准稳定币的竞争对手