<ul>
<li>花旗集團（NYSE:C）已與摩根大通和美國銀行共同推出一個共享的代幣化存款網絡，以提供基於區塊鏈的實時結算。</li>
<li>新網絡旨在將存款保留在受監管的銀行系統內，並應對來自穩定幣和其他加密支付選項的競爭。</li>
<li>與此同時，花旗集團正在進行內部領導層變動，合併部分高管職務並任命新的高級領導。</li>
</ul>
<p>對於跟蹤 NYSE:C 的投資者來説，此次更新時股票價格為 135.15 美元。該公司的股票表現被描述為在多年的視角下強勁，過去一年 NYSE:C 上漲了 80.3%，過去三年上漲超過 2 倍，今年迄今為止回報率為 13.9%。</p>
<p>進入代幣化存款的舉措，以及更新的領導結構，反映了花旗集團在數字貨幣選項擴展的背景下，保持其核心業務競爭力的持續努力。讀者可能想要關注新網絡的採用情況以及管理層變動如何影響花旗在支付和交易服務中的地位。</p>
<p>通過將花旗添加到您的關注列表或投資組合，隨時瞭解花旗集團最重要的新聞故事。或者，探索我們的社區，發現關於花旗的新視角。</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 收益與收入增長</p>
<p>我們已標記出花旗集團的一個風險。查看可能影響您投資的因素。</p>
<p>代幣化存款網絡使花旗與摩根大通和美國銀行並肩應對穩定幣和加密支付渠道。對於您作為投資者而言，這對短期收益的影響較小，更重要的是花旗如何保護其核心交易銀行業務。通過使用區塊鏈在近實時內轉移存款，同時將資金保留在受監管的銀行系統內，花旗表明其打算在速度和效率上直接與穩定幣發行者競爭，而不是放棄這一領域。同時，圍繞戰略、併購和投資者關係整合領導職務，集中決策資本部署以及哪些合作或收購支持數字議程。綜合來看，網絡的推出和領導層的重組暗示了對數字貨幣、融資和交易的更為綜合的方法。這可能影響花旗在未來幾年與摩根大通、美國銀行和富國銀行在支付和企業銀行業務中的定位。</p>
<h3>這如何融入花旗集團的敍述</h3>
<ul>
<li>進入代幣化存款的舉措直接與數字轉型、自動化和花旗代幣服務作為更高效的收費交易服務的驅動因素的敍述焦點相關聯。</li>
<li>來自穩定幣和金融科技支付平台的更強競爭可能會挑戰敍述假設，即花旗的交易銀行和跨境支付可以在沒有定價和利潤壓力的情況下持續增長。</li>
<li>與其他大型銀行的共享網絡以及內部領導變動並未完全體現在敍述中，敍述更側重於花旗自身的平台，而非聯合行業基礎設施和治理的變化。</li>
</ul>
<p>瞭解一家公司的價值始於理解其故事。查看 Simply Wall St 社區中關於花旗的頂級敍述，以幫助您決定其對您的價值。</p>
<h3>投資者應考慮的風險與回報</h3>
<ul>
<li>⚠️ 來自穩定幣、金融科技公司和大型科技公司的競爭可能限制花旗在跨境和支付收入方面的增長能力，如果客户將交易量轉移離開銀行網絡。</li>
<li>⚠️ 持續的轉型成本、監管審查和重組複雜性可能會對盈利能力造成壓力，即使花旗在代幣化和數字基礎設施上進行投資。</li>
<li>🎁 代幣化存款網絡與花旗在數字交易服務方面的推動相一致，如果客户大規模採用基於銀行的區塊鏈渠道，可能支持更高的費用收入。</li>
<li>🎁 緊縮對戰略、併購和投資者關係的監督的領導變動可能幫助花旗在數字項目、財富管理和其他增長領域之間更有效地分配資本。</li>
</ul>
<h3>未來需要關注的事項</h3>
<p>在此次公告之後，值得關注大型企業和機構客户開始使用新的代幣化存款網絡的速度，以及花旗是否能夠將參與轉化為支付和交易服務中的更高交易量。投資者還應關注合併的戰略和併購角色如何塑造未來在數字資產和金融科技領域的合作或收購，以及這些選擇是否能應對來自穩定幣和非銀行支付提供商的競爭壓力。在即將召開的財報電話會議中，關於實施成本、監管反饋和客户對代幣化存款的早期需求的任何評論，將是評估這一舉措在花旗更廣泛轉型計劃中可能意義的重要信號。</p>
<p>為了確保您始終了解最新消息如何影響花旗集團的投資敍述，請訪問花旗的社區頁面，以便不錯過關於頂級社區敍述的更新。</p>
<p><em>本文由 Simply Wall St 撰寫，內容具有一般性。<strong>我們基於歷史數據和分析師預測提供評論，採用無偏見的方法，我們的文章並不構成財務建議。</strong> 這並不構成買賣任何股票的推薦，也未考慮您的目標或財務狀況。我們旨在為您提供以基本數據驅動的長期分析。請注意，我們的分析可能未考慮最新的價格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中沒有持倉。</em></p>
<h3><strong>新：</strong> AI 股票篩選器與警報</h3>
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花旗

摩根大通

美國銀行

<p>花旗已與摩根大通和美國銀行共同推出一個共享的代幣化存款網絡，以提供基於區塊鏈的實時結算。該舉措旨在將存款留在受監管的銀行系統內，並與穩定幣競爭。同時，花旗正在重組領導層，通過合併高管職位和任命新的高級領導，以更好地對齊戰略、併購和投資者關係</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>花旗集團（NYSE:C）已與摩根大通和美國銀行共同推出一個共享的代幣化存款網絡，以提供基於區塊鏈的實時結算。</li>
<li>新網絡旨在將存款保留在受監管的銀行系統內，並應對來自穩定幣和其他加密支付選項的競爭。</li>
<li>與此同時，花旗集團正在進行內部領導層變動，合併部分高管職務並任命新的高級領導。</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>對於跟蹤 NYSE:C 的投資者來説，此次更新時股票價格為 135.15 美元。該公司的股票表現被描述為在多年的視角下強勁，過去一年 NYSE:C 上漲了 80.3%，過去三年上漲超過 2 倍，今年迄今為止回報率為 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>進入代幣化存款的舉措，以及更新的領導結構，反映了花旗集團在數字貨幣選項擴展的背景下，保持其核心業務競爭力的持續努力。讀者可能想要關注新網絡的採用情況以及管理層變動如何影響花旗在支付和交易服務中的地位。</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>通過將花旗添加到您的關注列表或投資組合，隨時瞭解花旗集團最重要的新聞故事。或者，探索我們的社區，發現關於花旗的新視角。</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 收益與收入增長</p>
</div><p>We've flagged 1 risk for Citigroup. See which could impact your investment.</p>
<div class="lb-trans"><p>我們已標記出花旗集團的一個風險。查看可能影響您投資的因素。</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>代幣化存款網絡使花旗與摩根大通和美國銀行並肩應對穩定幣和加密支付渠道。對於您作為投資者而言，這對短期收益的影響較小，更重要的是花旗如何保護其核心交易銀行業務。通過使用區塊鏈在近實時內轉移存款，同時將資金保留在受監管的銀行系統內，花旗表明其打算在速度和效率上直接與穩定幣發行者競爭，而不是放棄這一領域。同時，圍繞戰略、併購和投資者關係整合領導職務，集中決策資本部署以及哪些合作或收購支持數字議程。綜合來看，網絡的推出和領導層的重組暗示了對數字貨幣、融資和交易的更為綜合的方法。這可能影響花旗在未來幾年與摩根大通、美國銀行和富國銀行在支付和企業銀行業務中的定位。</p>
</div><h3>How This Fits Into The Citigroup Narrative</h3>
<div class="lb-trans"><h3>這如何融入花旗集團的敍述</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>進入代幣化存款的舉措直接與數字轉型、自動化和花旗代幣服務作為更高效的收費交易服務的驅動因素的敍述焦點相關聯。</li>
<li>來自穩定幣和金融科技支付平台的更強競爭可能會挑戰敍述假設，即花旗的交易銀行和跨境支付可以在沒有定價和利潤壓力的情況下持續增長。</li>
<li>與其他大型銀行的共享網絡以及內部領導變動並未完全體現在敍述中，敍述更側重於花旗自身的平台，而非聯合行業基礎設施和治理的變化。</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>瞭解一家公司的價值始於理解其故事。查看 Simply Wall St 社區中關於花旗的頂級敍述，以幫助您決定其對您的價值。</p>
</div><h3>The Risks and Rewards Investors Should Consider</h3>
<div class="lb-trans"><h3>投資者應考慮的風險與回報</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>⚠️ 來自穩定幣、金融科技公司和大型科技公司的競爭可能限制花旗在跨境和支付收入方面的增長能力，如果客户將交易量轉移離開銀行網絡。</li>
<li>⚠️ 持續的轉型成本、監管審查和重組複雜性可能會對盈利能力造成壓力，即使花旗在代幣化和數字基礎設施上進行投資。</li>
<li>🎁 代幣化存款網絡與花旗在數字交易服務方面的推動相一致，如果客户大規模採用基於銀行的區塊鏈渠道，可能支持更高的費用收入。</li>
<li>🎁 緊縮對戰略、併購和投資者關係的監督的領導變動可能幫助花旗在數字項目、財富管理和其他增長領域之間更有效地分配資本。</li>
</ul>
</div><h3>What To Watch Going Forward</h3>
<div class="lb-trans"><h3>未來需要關注的事項</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>在此次公告之後，值得關注大型企業和機構客户開始使用新的代幣化存款網絡的速度，以及花旗是否能夠將參與轉化為支付和交易服務中的更高交易量。投資者還應關注合併的戰略和併購角色如何塑造未來在數字資產和金融科技領域的合作或收購，以及這些選擇是否能應對來自穩定幣和非銀行支付提供商的競爭壓力。在即將召開的財報電話會議中，關於實施成本、監管反饋和客户對代幣化存款的早期需求的任何評論，將是評估這一舉措在花旗更廣泛轉型計劃中可能意義的重要信號。</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>為了確保您始終了解最新消息如何影響花旗集團的投資敍述，請訪問花旗的社區頁面，以便不錯過關於頂級社區敍述的更新。</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 撰寫，內容具有一般性。<strong>我們基於歷史數據和分析師預測提供評論，採用無偏見的方法，我們的文章並不構成財務建議。</strong> 這並不構成買賣任何股票的推薦，也未考慮您的目標或財務狀況。我們旨在為您提供以基本數據驅動的長期分析。請注意，我們的分析可能未考慮最新的價格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中沒有持倉。</em></p>
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Citigroup Targets Stablecoin Rivals With Tokenized Deposits And New Leadership

- 花旗集團與摩根大通和美國銀行共同推出共享代幣存款網絡。  
- 此舉旨在保持存款在受監管的銀行系統內，以應對穩定幣競爭。  
- 花旗的股價表現強勁，過去一年上漲 80.3%，顯示出增長潛力。

Simplywall

富國銀行

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)

花旗集團通過代幣化存款和新的領導層，瞄準穩定幣的競爭對手