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Following富国银行携手20家主要金融机构，计划于2027年上半年推出稳定币
富国银行（Wells Fargo）已确认将与20家主要金融机构合作，在2027年上半年启动稳定币项目。尽管目前美国市场对稳定币的实际应用场景仍存在不确定性，但该银行表示正在积极推进数字支付服务的准备工作。
全球主要银行联盟
在最近的一次季度财报电话会议上，富国银行首席执行官查理·沙夫（Charlie Scharf）对该倡议发表了评论。他指出，该金融机构正在积极开发涉及数字资产的解决方案，同时评估稳定币如何为美国消费者带来益处。沙夫承认，稳定币在该国的主流采用率和具体应用尚未完全明确，但他强调了为未来机遇做好准备的重要性。
“稳定币在美国的使用场景仍然不明确，但我们正在构建解决方案，以便在机会潜在展开时做好充分准备。”沙夫在通话中说道。
The alliance consists of institutions such as Bank of America, Citigroup, Goldman Sachs, First Capital, Fidelity Investments, and WisdomTree. It is expected that the new company will be established in the second half of 2026, provided that all regulatory approvals are obtained and other conditions are met. Partners in Europe include Deutsche Bank, Santander Bank, BBVA, Lloyds Banking Group, and UBS. Additional members from other regions include Mitsubishi UFJ Financial Group, Standard Chartered Bank, and Sirius International Holding. The final name of the company will be announced after its establishment.
Brief introduction: GENIUS Act – This is a proposed U.S. legislation aimed at regulating stablecoins and guiding financial institutions in the safe and standardized issuance of digital assets.
The group plans to initially issue digital tokens backed by US dollars, with the possibility of including euros and other G7 currencies in the future. This service will be available to wholesale, institutional, and retail clients, with a focus on facilitating cross-border payments and digital asset settlement.
All partners have expressed their intention to comply with relevant regulatory frameworks, including the GENIUS Act in the United States and the MiCA regulations in Europe.
The expansion of tokenized deposit services
Wells Fargo recently introduced a tokenized deposit service for its corporate and business customers. This service was launched in September, allowing some customers to facilitate real-time transfers between accounts and across countries.
Initially, this service allowed selected users to convert US dollars into British pounds. The bank plans to expand this service to include more currencies, customers, and countries by 2027.
The tokenized deposit platform uses programmable payment instructions, meaning that funds will be automatically transferred when certain conditions are met. According to an executive at Cosmos, Wells Fargo has utilized Cosmos blockchain technology in this project.
Quick reference: Cosmos blockchain – This is an open-source blockchain protocol designed for interoperability and customization, enabling secure token transfers between different blockchain networks.
Tokenized deposits represent digital ownership of funds held by commercial banks. This allows customers to enjoy blockchain-based payment convenience while keeping their assets within regulated banking systems.
Collaboration with industry networks and financial performance
In addition to the stablecoin initiative, Wells Fargo has also joined forces with JPMorgan Chase, Bank of America, and Citigroup to form a larger network for sharing deposit tokens. This partnership, managed by The Clearing House, is expected to launch its services in the first half of 2027.
In terms of financial metrics, Wells Fargo reported net profits of $5.95 billion in the third quarter, which is higher than the $5.59 billion achieved in the same period last year. Earnings per share reached $1.87, compared to $1.66 in the previous year. Quarterly revenue increased to $21.87 billion, representing a 2% increase from the previous year.
By working together with other leading financial institutions, Wells Fargo is preparing itself for the evolving landscape of stablecoins. As a result, its quarterly net profits have seen significant growth, and it has made progress in developing digital payment solutions.
