Tether CEO驳斥“稳定币难以支撑大规模支付”论：稳定币是100%流动性资产储备，银行只是拉钩发誓的部分准备金

【Tether CEO驳斥“稳定币难以支撑大规模支付”论：稳定币是100%流动性资产储备，银行只是拉钩发誓的部分准备金】金色财经报道，8月30日，Tether CEO Paolo Ardoino发文回应国际清算银行（BIS）总裁的表态，后者认为稳定币不足以支撑大规模支付，转而支持代币化银行存款。Ardoino将两者做了结构性对比：稳定币由100%流动性资产（如国债）储备支撑，而代币化银行存款本质上是“拉钩发誓”的、通常未全额保险的银行存款，其流动性资产储备往往只有约10%的部分准备金。BIS真正担心的不是稳定币能不能用来支付，而是稳定币把传统银行体系“皇帝新衣”这件事暴露出来了。Ardoino随后抛出两个问题：既然稳定币是全额储备，为什么还要把储蓄放进部分准备金产品里？如果人们意识到稳定币更安全，并把储蓄迁过去，金融体系会怎样？Ardoino将矛头直接指向传统银行体系的部分准备金模式。(2026-08-30 17:25:28)

排名	#	交易平台	24H成交额	成交涨跌幅	活跃度
1	OKX 欧易OKX	$184.60亿	-11.48%	86.7%	86.7%
2	HTX 火币huobi	$26.49亿	0.44%	68.6%	68.6%
3	Binance 币安网	$402.20亿	-8.33%	85.4%	85.4%
4	Coinbase Coinbase	$8.91亿	-14.88%	69.3%	69.3%
5	Bybit Bybit	$112.10亿	-6.85%	65.3%	65.3%
6	Crypto.com Crypto.com	$12.43亿	-8.12%	53.3%	53.3%
7	Bitfinex Bitfinex	$2.04亿	18.75%	65.3%	65.3%
8	Kraken K网(Kraken)	$7.30亿	-8.63%	68.4%	68.4%
9	Upbit Upbit	$2.77亿	-21.54%	56.9%	56.9%
10	Bitget Bitget	$72.69亿	0.51%	71.1%	71.1%
11	Deribit Deribit	$4.50亿	5.49%	36.2%	36.2%
12	Gemini 双子星（Gemini）	$3,031.29万	-18.6%	59.5%	59.5%
13	BiKing 币王	$221.32亿	-0.44%	31%	31%
14	MEXC MEXC	$114.07亿	1.27%	76.2%	76.2%
15	Bithumb Bithumb	$1.44亿	-9.37%	66.9%	66.9%
16	gate.io 大门	$110.37亿	-12.2%	55.2%	55.2%
17	BitTap 币泰	$11.63亿	-6.42%	26%	26%
18	Hyperliquid Hyperliquid	$16.28亿	26.62%	46.9%	46.9%
19	Uniswap v3 (Base) Uniswap v3 (Base)	$1.08亿	-10.78%	31.5%	31.5%
20	bitFlyer bitFlyer	$1,671.65万	-20.61%	58.2%	58.2%

排名	#	币种	最新价	24H最高	24H最低	24H量	流通市值	24H涨跌幅
1	BTC 比特币	$ 78081.4	$7.83万	$7.75万	$1.16亿	$1.56兆	0.48%	0.48%
2	ETH 以太坊	$ 2456.57	$2,467.98	$2,432.74	$7,812.85万	$2,964.92亿	0.83%	0.83%
3	XRP 瑞波币	$ 1.3884	$1.40	$1.38	$2,914.63万	$845.78亿	0.2%	0.2%
4	BNB 币安币	$ 691.9	$695.60	$687.40	$357.81万	$943.47亿	0.4%	0.4%
5	USDC USD Coin	$ 0.9999	$1.00	$1.00	$1,623.88万	$707.08亿	0%	0%
6	SOL Solana	$ 104.88	$105.87	$103.30	$8,593.96万	$594.19亿	1.43%	1.43%
7	TRX 波场	$ 0.3405	$0.34	$0.34	$126.50万	$322.52亿	0.59%	0.59%
8	DOGE 狗狗币	$ 0.08488	$0.09	$0.08	$833.76万	$142.79亿	0.4%	0.4%
9	BCH 比特现金	$ 245.4	$247.57	$242.47	$30.71万	$49.03亿	0.27%	0.27%
10	HYPE Hyperliquid	$ 83.36	$83.96	$80.91	$2,267.79万	$282.88亿	2.54%	2.54%
11	ADA 艾达币	$ 0.20148	$0.20	$0.20	$282.50万	$72.43亿	0.53%	0.53%
12	WBTC Wrapped Bitcoin	$ 78092	$7.81万	$7.75万	$38.86	$100.67亿	0.79%	0.79%
13	LEO UNUS SED LEO	$ 9.704	$9.95	$9.58	$1,101.39	$89.44亿	0.62%	0.62%
14	LINK ChainLink	$ 11.377	$11.50	$11.30	$232.84万	$77.15亿	0.32%	0.32%
15	XLM 恒星币	$ 0.1794	$0.18	$0.18	$78.57万	$58.15亿	1.11%	1.11%
16	LTC 莱特币	$ 49.25	$49.28	$48.55	$209.52万	$37.78亿	0.92%	0.92%
17	HBAR Hedera Hashgraph	$ 0.07512	$0.08	$0.07	$30.73万	$32.15亿	0.58%	0.58%
18	ZEC 大零币	$ 837.64	$850.31	$802.28	$787.39万	$138.01亿	4.28%	4.28%
19	AVAX Avalanche	$ 7.367	$7.38	$7.25	$36.83万	$31.70亿	1.37%	1.37%
20	SHIB Shiba Inu	$ 0.000005112	$0.00	$0.00	$23.79万	$30.12亿	0.17%	0.17%
21	SUI Sui	$ 0.7398	$0.75	$0.73	$465.36万	$28.05亿	0.36%	0.36%
22	CRO Cronos	$ 0.05731	$0.06	$0.06	$10.58万	$22.12亿	0.38%	0.38%
23	WLFI worldlibertyfinancial-education	$ 0.05746	$0.06	$0.06	$65.22万	$15.36亿	-0.39%	-0.39%
24	UNI Uniswap	$ 4.897	$4.97	$4.37	$908.50万	$31.10亿	11.8%	11.8%
25	DOT 波卡币	$ 0.8482	$0.85	$0.83	$27.80万	$14.02亿	0.95%	0.95%
26	MNT Mantle	$ 0.5268	$0.53	$0.51	$26.04万	$17.14亿	2.11%	2.11%
27	PAXG PAX Gold	$ 4462.67	$4,465.82	$4,455.62	$26.73万	$17.00亿	0.14%	0.14%
28	ASTER Aster	$ 0.6986	$0.70	$0.69	$89.91万	$17.43亿	-0.12%	-0.12%
29	AAVE Aave	$ 124.78	$127.05	$121.52	$260.45万	$19.11亿	2.37%	2.37%
30	HTX HTX	$ 0.0000016785	$0.00	$0.00	$1,733.22	$16.78亿	-0.04%	-0.04%
31	TAO Bittensor	$ 237.48	$239.14	$233.55	$137.56万	$25.10亿	1.36%	1.36%
32	OKB OK币	$ 114.35	$116.79	$109.98	$182.04万	$24.01亿	3.69%	3.69%
33	PEPE Pepe	$ 0.000003637	$0.00	$0.00	$170.79万	$15.30亿	0.16%	0.16%
34	ETC 以太经典	$ 7.406	$7.59	$7.38	$15.65万	$11.48亿	-0.93%	-0.93%
35	NEAR NEAR Protocol	$ 1.872	$1.90	$1.79	$463.56万	$24.05亿	4.23%	4.23%
36	ICP Internet Computer(Dfinity)	$ 2.431	$2.54	$2.41	$42.92万	$13.28亿	-2.36%	-2.36%
37	PI Pi Network	$ 0.09115	$0.09	$0.09	$37.18万	$7.64亿	-0.82%	-0.82%
38	WLD Worldcoin	$ 0.3719	$0.38	$0.37	$338.23万	$10.06亿	-1.37%	-1.37%
39	ATOM 阿童木	$ 1.484	$1.52	$1.48	$4.41万	$7.22亿	-0.86%	-0.86%
40	FDUSD First Digital USD	$ 0.9986	$1.00	$1.00	$1,058.74万	$9.82亿	-0.01%	-0.01%
41	ENA Ethena	$ 0.1578	$0.16	$0.15	$508.31万	$12.56亿	1.83%	1.83%
42	USDD USDD	$ 0.9994	$1.00	$1.00	$8,248.87	$8.55亿	0%	0%
43	KAS Kaspa	$ 0.0278	$0.03	$0.03	$32.22万	$7.53亿	0.61%	0.61%
44	QNT Quant	$ 61.62	$63.24	$60.92	$3.02万	$7.44亿	0.71%	0.71%
45	ALGO Algorand	$ 0.08673	$0.09	$0.09	$3.02万	$7.67亿	1.04%	1.04%
46	FLR Flare	$ 0.006374	$0.01	$0.01	$6.70万	$5.27亿	1.33%	1.33%
47	XDC XDC Network	$ 0.0278	$0.03	$0.03	$9.52万	$5.31亿	0.28%	0.28%
48	APT Aptos	$ 0.5448	$0.55	$0.53	$14.35万	$4.09亿	1.83%	1.83%

Tether CEO驳斥“稳定币难以支撑大规模支付”论：稳定币是100%流动性资产储备，银行只是拉钩发誓的部分准备金

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