# 穩定幣市值接近3,000億美元引發新警示，歐洲央行官員表示需要數位歐元以維護金融穩定。

*fintech · news · 2026-06-01 · Crypto News*

## Key points

- 歐洲央行現目標於2029年準備好推出數位歐元，並於2027至2028年間進行試點測試。
- 歐洲央行數據顯示，Tether的USDT和Circle的USDC約占穩定幣市場90%。
- 歐洲央行將重用現有歐洲支付標準以降低數位歐元交易成本。
- 穩定幣對美元的依賴可能進一步鞏固美元在全球金融中的主導地位。
- 數位歐元技術標準將於2026年公布，讓支付公司更新系統。

Stablecoins nearing a $300 billion market value have prompted fresh warnings from the European Central Bank, whose officials say a digital euro is needed to protect financial stability and maintain the role of central bank money in the payments system. According to Isabel Schnabel, a member of the European Central Bank’s Executive Board, the rapid growth of stablecoins has introduced risks that could affect financial stability, monetary policy, and the international monetary system. Speaking at the 2026 Bank of Korea International Conference in Seoul on Monday, Schnabel said stablecoins remain vulnerable to runs if users lose confidence in the assets backing them. Schnabel told conference participants that stablecoins face liquidity mismatches and can become unstable when trust in reserve assets deteriorates. She also warned that the sector’s heavy reliance on dollar-denominated tokens could reinforce the U.S. dollar’s position in global finance. “The growing use of stablecoins may further cement the international dominance of the U.S. dollar. Today, virtually all stablecoins in circulation are denominated in dollars, with other currencies playing a negligible role,” – Isabel Schnabel. ECB figures cited by Schnabel show that the stablecoin market has grown to almost $300 billion, even though expansion has slowed compared with earlier periods. She said Tether’s USDT and Circle’s USDC together account for about 90% of the market. ECB points to digital euro as policy response Rather than opposing technological innovation, Schnabel said central banks should establish safeguards that preserve trust in money and maintain effective monetary control. “The appropriate response is therefore not to resist innovation but to ensure that it develops within a framework that preserves stability, monetary control and trust in the currency.” Within Europe, Schnabel argued that a digital euro would help preserve public access to central bank money while reducing dependence on foreign payment providers. She said a retail central bank digital currency could serve as a pan-European payment option with legal tender status and help address fragmentation across the region’s payments market. Her comments build on the ECB’s ongoing digital euro project. Back in March, ECB Executive Board member Piero Cipollone told European lawmakers that the central bank expects to publish digital euro technical standards in 2026, allowing banks, payment firms, and merchants to prepare their systems before any final issuance decision. Under agreements announced in April, the ECB partnered with the European Card Payment Cooperation, nexo standards, and the Berlin Group to reuse existing European payment standards for digital euro transactions. The ECB said the approach would reduce implementation costs and allow payment providers to integrate digital euro services through existing infrastructure rather than building entirely new systems. According to Cipollone, the digital euro would complement cash and bank deposits rather than replace them and argued that maintaining a European payment infrastructure could help retain payment revenues within the region and reduce reliance on international payment networks. Launch readiness targeted for 2029 As work on the project continues, the ECB’s website states that the digital euro is currently in a technical preparation phase. The central bank expects digital euro legislation to be adopted in 2026, followed by a 12-month pilot beginning in the second half of 2027 that will test person-to-person and point-of-sale payments. Provided the legal framework is approved, the ECB has said it wants to be technically ready for a potential issuance by 2029.

**Countries:** South Korea, Germany, United States

[Read the full story on Crypto News](https://crypto.news/ecbs-schnabel-says-digital-euro-needed-as-stablecoin-market-nears-300b/)

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