ABD’nin en b\u00fcy\u00fck d\u00f6rt bankas\u0131\u2014JP Morgan, Bank of America, Citigroup ve Wells Fargo\u2014g\u00fc\u00e7lerini birle\u015ftirerek bir dijital dolar (stablecoin) \u00fczerinde \u00e7al\u0131\u015f\u0131yor. Ama\u00e7lar\u0131: kripto \u015firketlerine rakip olmak.<\/p>\n
Geleneksel bankalar, modern blokzincir
\nBu bankalar zaten Zelle ve The Clearing House gibi \u00f6deme a\u011flar\u0131n\u0131 y\u00f6netiyor. \u015eimdi ise blokzincir tabanl\u0131 kendi stablecoin’lerini piyasaya s\u00fcrmek istiyorlar.<\/p>\n
Hedef: i\u015flemleri h\u0131zland\u0131rmak, maliyetleri azaltmak ve kripto d\u00fcnyas\u0131yla yar\u0131\u015fmak.<\/p>\n
\u00d6n\u00fcndeki engel: ABD yasalar\u0131
\nBu proje, ABD Senatosu’nda bekleyen GENIUS Yasas\u0131’na ba\u011fl\u0131. E\u011fer yasa ge\u00e7erse, bankalar ve kripto \u015firketleri yasal olarak stablecoin \u00e7\u0131karabilecek.<\/p>\n
GENIUS Act = ABD’de stablecoin d\u00fczenlemesi i\u00e7in yasal \u00e7er\u00e7eve sa\u011flayan tasar\u0131.<\/p>\n
\u015eu ana kadar neler oldu?
\nJP Morgan, JPM Coin\u2019i i\u00e7 operasyonlar\u0131nda zaten kullan\u0131yor. Wells Fargo uluslararas\u0131 i\u015flemler i\u00e7in test etti. Bank of America hen\u00fcz coin \u00e7\u0131karmad\u0131 ama haz\u0131r olduklar\u0131n\u0131 s\u00f6yl\u00fcyor.<\/p>\n
Kripto \u015firketlerinden kar\u015f\u0131 hamle
\nCircle ve Coinbase, banka lisans\u0131 almak istiyor. Baz\u0131lar\u0131 tam te\u015fekk\u00fcll\u00fc banka olmak isterken, baz\u0131lar\u0131 sadece stablecoin \u00e7\u0131karmakla ilgileniyor.<\/p>\n
Trump ba\u011flant\u0131l\u0131 USD1 projesi rezervlerini BitGo’da tutuyor. BitGo da banka lisans\u0131 almaya \u00e7al\u0131\u015f\u0131yor.<\/p>\n
\u015eu anda sadece Anchorage Digital federal banka lisans\u0131na sahip.<\/p>\n","protected":false},"excerpt":{"rendered":"
ABD’nin en b\u00fcy\u00fck d\u00f6rt bankas\u0131\u2014JP Morgan, Bank of America, Citigroup ve Wells Fargo\u2014g\u00fc\u00e7lerini birle\u015ftirerek bir dijital dolar (stablecoin) \u00fczerinde \u00e7al\u0131\u015f\u0131yor…….<\/p>\n","protected":false},"author":1,"featured_media":282,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[163,38,49],"class_list":["post-283","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-haberler","tag-banka","tag-kripto-para","tag-stablecoin"],"jetpack_featured_media_url":"https:\/\/365crypto.org\/tr\/wp-content\/uploads\/sites\/23\/2025\/05\/banks-stablecoin.webp","_links":{"self":[{"href":"https:\/\/365crypto.org\/tr\/wp-json\/wp\/v2\/posts\/283","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/365crypto.org\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/365crypto.org\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/365crypto.org\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/365crypto.org\/tr\/wp-json\/wp\/v2\/comments?post=283"}],"version-history":[{"count":0,"href":"https:\/\/365crypto.org\/tr\/wp-json\/wp\/v2\/posts\/283\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/365crypto.org\/tr\/wp-json\/wp\/v2\/media\/282"}],"wp:attachment":[{"href":"https:\/\/365crypto.org\/tr\/wp-json\/wp\/v2\/media?parent=283"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/365crypto.org\/tr\/wp-json\/wp\/v2\/categories?post=283"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/365crypto.org\/tr\/wp-json\/wp\/v2\/tags?post=283"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}