【Author】
Calomiris, Charles W.
【Source】JOURNAL OF APPLIED CORPORATE FINANCE
【Abstract】Bitcoin is reaching stratospheric prices, rising from about $8,000 in January 2020 to above $60,000 in September 2021. The outstanding supply of stablecoins is growing even faster, rising from $3 billion in January 2019 to $30 billion in January 2021.(1) The institutional and legal foundations of crypto banking and finance are evolving rapidly too. For example, the Office of the Comptroller of the Currency (OCC), where I served as Chief Economist until March 2021, recently issued several interpretive letters that clarify how the federal banking system interacts with the new world of crypto assets and blockchain networks.(2) If you are not already an expert on all things crypto, you may find the breadth of change the financial system is undergoing a bit challenging to understand.
【标题】部分准备金稳定币银行会取代比特币和一些传统的银行支付吗？
【摘要】比特币正从2020年1月的约8000美元上升到2021年9月的60000美元以上。稳定币的供应量增长更快，从 2019 年 1 月的 30 亿美元上涨到 2021 年 1 月的 300 亿美元。(1) 机构和加密银行和金融的法律基础也在迅速发展。例如，我在 2021 年 3 月之前担任首席经济学家的货币审计长办公室 (OCC) 最近发布了几封解释性信件，阐明了联邦银行系统如何与加密资产和区块链网络的新世界互动。（ 2) 如果您还不是所有加密领域的专家，您可能会发现金融系统正在经历的变化的广度难以理解。
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