瑞波(Ripple)正式向美国货币监理署(OCC)提交了全国性银行牌照申请,意在推动稳定币RLUSD和相关加密金融服务进一步进入主流金融体系。 而摩根大通发布Circle看空报告,评级“减持”,目标价80美元,较现价180美元大跌56%。报告称Circle估值过高,盈利模式“剪刀差”侵蚀利润:利率下行与分销成本上升双重挤压,毛利率或从39%降至34%。 尽管Circle在稳定币市场领先,USDC前景看好,但竞争加剧和低转换成本威胁其地位。即使给予10%“情绪溢价”,估值仅80美元。
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