9 月開門回檔、21 家銀行組穩定幣聯盟搶鏡——本週定調為「傳統金融加速布局穩定幣、Robinhood 合規與 BTC 獲利了結並行」
自週一報告以來：① 美銀、花旗、高盛等 21 家金融機構 9/2 宣布合組穩定幣公司，美元穩定幣目標 2027 上半年面市，歐元版列優先；② Robinhood 迷因幣熱潮引信用卡 KYC 合規爭議，鏈上疑現 2,000 萬美元滑價；③ 幣安 9/1 推出逾 1,000 檔美股／ETF 選擇權（非美用戶、Alpaca 託管）；④ ARK Invest 與 Glassnode 報告指 BTC、ETH 各僅需 3 個實體即可跨越共識門檻；⑤ 泰國 SEC 擬開放散戶經持牌業者投資海外加密衍生品；⑥ 日本 FSA 提 2027 稅改要望，信託型穩定幣部分申報義務擬放寬（非免稅）。
BTC 收 $77,038（7d -2.50%）、ETH $2,379（7d -5.00%），全球市值約 2.61 兆、BTC 市占 59.1%。Fear & Greed 本日 65（Greed）、週均 67.0，自週一 62 小幅回升。穩定幣總市值 310.56B（WoW -0.01%）；USDe 4.24B（WoW +4.10%）、PYUSD 2.9B（WoW +4.86%）。BTC ETF 本窗口（3 交易日）成交額約 88.7 億美元（較上週 -113.2 億）、ETH ETF 約 24.7 億（-33.5 億）。Hyperliquid Perps 7 日量約 949 億、占鏈上永續 60.7%。Cardano 鏈 TVL 約 6,315 萬美元（7d +8.28%，週一為 -7.09%）、DEX 24h 約 104 萬美元。
Nasdaq 週漲 +0.34%、VIX 15.2 持平，美股溫和但加密週二起同步回檔。MSTR（-2.87% 週、-7.33% 日）、COIN（-6.52%）、CRCL（-3.67%）週二單日跌幅逾 -7%，槓桿與交易所股放大 BTC 修正；礦股 MARA（-11.50%）、RIOT（-12.51%）週線領跌。CRCL 相對抗跌呼應 21 銀行穩定幣敘事。CPI/PPI 已公布，本週主軸在機構穩定幣布局與 Robinhood 合規風險。
21 銀行穩定幣聯盟細節與 GENIUS Act 細則進度；Robinhood 信用卡結帳合規審查；BTC 能否守 7.6 萬支撐、ETF 成交額是否回升；SOL 300ms slot 升級落地節奏；Aave V4 USDe 上架 Avalanche 投票；至週一報告前待驗 Cardano TVL 反彈能否延續。
共 9 則產業消息 · 點「展開」閱讀
數據截至 2026/09/03 09:07（台北）
加密貨幣市值前二十（CoinGecko；漲跌 7d / 30d）
| # | 標的 | 價格 | 市值 | 7d | 30d |
|---|---|---|---|---|---|
| 1 | BTC Bitcoin | $77,038 | $1.55T | -2.50% | +21.50% |
| 2 | ETH Ethereum | $2,379 | $290.3B | -5.00% | +28.10% |
| 3 | USDT Tether | $1.00 | $183.3B | 0.00% | +0.10% |
| 4 | BNB BNB | $687.01 | $91.5B | -2.80% | +16.80% |
| 5 | XRP XRP | $1.34 | $84.3B | -5.30% | +25.30% |
| 6 | USDC USDC | $1.00 | $73.7B | 0.00% | 0.00% |
| 7 | SOL Solana | $99.49 | $58.2B | -2.40% | +35.50% |
| 8 | TRX TRON | $0.32 | $30.8B | -3.30% | -1.10% |
| 9 | FIGR_HELOC Figure Heloc | $1.01 | $22.4B | +0.90% | +0.70% |
| 10 | HYPE Hyperliquid | $81.29 | $18.1B | -1.20% | +50.70% |
| 11 | ZEC Zcash | $808.67 | $13.7B | -0.80% | +67.70% |
| 12 | DOGE Dogecoin | $0.08 | $12.7B | -7.10% | +16.10% |
| 13 | RAIN Rain | $0.02 | $11.8B | -4.70% | +31.40% |
| 14 | USDS USDS | $1.00 | $9.8B | 0.00% | 0.00% |
| 15 | XMR Monero | $502.84 | $9.4B | +14.70% | +38.70% |
| 16 | LEO LEO Token | $9.24 | $8.5B | +0.10% | -5.00% |
| 17 | WBT WhiteBIT Coin | $70.56 | $8.3B | -3.50% | +28.40% |
| 18 | LINK Chainlink | $11.04 | $8.3B | -4.90% | +35.10% |
| 19 | ADA Cardano | $0.20 | $7.5B | -5.50% | +3.80% |
| 20 | XLM Stellar | $0.18 | $6.1B | -5.30% | +2.60% |
CoinGecko Trending：PONS CASHCAT PUMP LIT INDEX ARB PENGU
| 代號 | 資產 | 週成交額 | 較上週 |
|---|---|---|---|
| IBIT | BTC | $7.48B | −$9.54B |
| ETHA | ETH | $2.22B | −$2.97B |
| FBTC | BTC | $747.4M | −$1.04B |
| GBTC | BTC | $332.5M | −$436.7M |
| BITB | BTC | $186.0M | −$184.5M |
| ETHE | ETH | $132.6M | −$170.0M |
| ARKB | BTC | $121.4M | −$126.7M |
| FETH | ETH | $117.1M | −$208.7M |
DefiLlama 鏈上流通，所有掛鉤、美元計價 · 美元掛鉤 $309.0B · 追蹤6幣 $269.5B（86.8%）
歷年鏈上流通（月資料點，DefiLlama）。上圖看總量趨勢，下圖看追蹤幣種結構。
穩定幣總市值
追蹤六幣＋其他（堆疊，單位十億美元）
追蹤六幣（佔全部穩定幣）。WoW / MoM 為週／月變化。
| # | 穩定幣 | 流通 | 市占 | WoW | MoM | 機制 |
|---|---|---|---|---|---|---|
| 1 | USDT Tether | $183.37B | 59.0% | +0.13% | +0.02% | 法幣儲備 |
| 2 | USDC USD Coin | $73.85B | 23.8% | -0.04% | +2.61% | 法幣儲備 |
| 3 | DAI Dai | $4.77B | 1.5% | -0.33% | -0.72% | 加密抵押 |
| 4 | USDe Ethena USDe | $4.24B | 1.4% | +4.10% | +9.68% | 加密抵押 |
| 5 | PYUSD PayPal USD | $2.9B | 0.9% | +4.86% | +7.51% | 法幣儲備 |
| 6 | FDUSD First Digital USD | $0.33B | 0.1% | -3.73% | -4.49% | 法幣儲備 |
Paymentscan · Spend 口徑（實際刷卡／結算，非 top-up）· 24 個方案
交易 11,030,516 筆（Sep 2026 截至抓取日約 $0.04B、379,963 筆，月未結算僅供參考）
追蹤 Paymentscan 收錄的約 23 個加密支付卡方案（Spend 口徑，含部分 issuer 自報 offchain）；不含 Coinbase Card、Crypto.com Card 等未納入項目。
追蹤方案月消費額（十億美元；僅完整月，未結算月見上方備註）
| # | 卡方案 | Sep 2026 | 累計 |
|---|---|---|---|
| 1 | RedotPay | $14.92M | $6.20B |
| 2 | EtherFi | $5.03M | $0.80B |
| 3 | KAST | $3.07M | $0.72B |
| 4 | Wirex One | $1.64M | $0.06B |
| 5 | Karta | $1.18M | $0.27B |
| 6 | Tria | $0.60M | $0.15B |
| 7 | Kolo | $0.49M | $0.09B |
| 8 | Gnosis Pay | $0.28M | $0.20B |
數據截至 2026/09/03 09:07（台北）
Circle、Coinbase、Strategy（MSTR）、BitMine 等：交易所／穩定幣／持幣公司／礦企（Yahoo Finance）
| # | 標的 | 價格 | 市值 | 1d | 7d | 30d |
|---|---|---|---|---|---|---|
| 1 | MSTR Strategy（微策略） | $123.19 | — | -7.33% | -2.87% | +29.87% |
| 2 | COIN Coinbase | $174.96 | — | -7.00% | -6.52% | +19.43% |
| 3 | CRCL Circle | $88.64 | — | -7.23% | -3.67% | +46.88% |
| 4 | HOOD Robinhood | $106.99 | — | +2.08% | -4.55% | +18.43% |
| 5 | BMNR BitMine | $23.06 | — | -8.93% | -7.09% | +32.38% |
| 6 | MARA Marathon | $10.47 | — | -2.79% | -11.50% | -10.89% |
| 7 | RIOT Riot | $18.64 | — | -1.90% | -12.51% | -13.00% |
| 8 | CLSK CleanSpark | $11.33 | — | -2.50% | -11.14% | -22.66% |
| 9 | WULF TeraWulf | $14.82 | — | -2.05% | -9.19% | -21.30% |
| 10 | HUT Hut 8 | $80.68 | — | +2.59% | -5.64% | -28.02% |
與現貨幣不同，美股還反映監管、財報、槓桿；不宜直接等價於 BTC 漲跌。
數據截至 2026/09/03 09:07（台北）
ADA＋生態相關專案（有報價才列，如 Midnight／NIGHT）；鏈上 TVL／DEX 為 DefiLlama Cardano；協議為原生 DeFi 前幾名
Curated 重點（Partner chain／主流 DeFi token）；無報價或市值過低者不列。
| 專案 | 角色 | 價格 | 市值 | 1d | 7d | 30d |
|---|---|---|---|---|---|---|
| NIGHT Midnight | Partner chain（隱私） | $0.02 | $328M | +6.04% | +0.90% | +2.70% |
| MIN Minswap | DEX | $0.00 | $6M | +2.03% | -3.40% | +3.80% |
| LQ Liqwid | Lending | $0.21 | $4M | +0.90% | -4.20% | +19.20% |
| INDY Indigo | CDP／穩定幣 | $0.10 | $2M | +3.15% | -0.50% | +2.00% |
Cardano 原生 DeFi（單鏈 TVL、DefiLlama）
| 協議 | 類別 | TVL | 7d |
|---|---|---|---|
| Minswap DEX | Dexs | $14.1M | -3.46% |
| Liqwid | Lending | $12.4M | — |
| Dano Finance | Dexs | $8.17M | +574.88% |
| Djed Stablecoin | Dual-Token Stablecoin | $5.01M | -5.87% |
| Splash Protocol | Dexs | $4.3M | -5.79% |
| Indigo | CDP | $4.05M | -7.03% |
| Surf Lending | Lending | $3.32M | — |
| WingRiders | Dexs | $2.69M | -3.26% |
本週 RSS 未命中明確 ADA／Cardano 新聞；可對照生態專案、協議 TVL 與論壇治理節奏。
數據截至 2026/09/03 09:07（台北）
涵蓋區間：2026/08/20–2026/09/03（前二週）
| 網路 | 事件 | 時間 | 狀態 | 重點 | 影響 |
|---|---|---|---|---|---|
| Ethereum | Morpho Blue: MIP 133 - Add Spearbit as DAO Multisig Signer and Update Threshold to 6 | 2026-08-21 | 已通過 | This proposal asks the Morpho DAO to approve the addition of Spearbit as a trusted signer on the DAO multisig and to increase the multisig signing threshold to 6-of-10 on Ethereum. The objective is to strengthen the DAO | governance · Lending |
| Ethereum | Lido: Curated Module Committee (CMC) reporting thread | 2026-09-01 | 官方公告 | This is forum thread is created to provide Lido DAO members with the clear information about actions taken by Curated Module Committee (CMC) and future plans. 4 posts - 2 participants Read full topic | official · Liquid Staking · 媒體佐證 |
| Solana | Solana Changelog: August 20, 2026 | 2026-08-24 | 官方公告 | Feature gates reduced mainnet slot times from 400ms to 350ms, while Agave, Firedancer, and SOL Kit shipped updates. | official · L1/L2 |
| Solana | Solana Changelog: August 27, 2026 | 2026-08-28 | 官方公告 | V1 Transactions are approaching, while a 300ms slot-time feature gate reached Mainnet and new releases shipped across SOL tooling. | official · L1/L2 |
| Ethereum | Lido: Proposal: Add Easy Track factory for Deposit Reserve Target management by CMC | 2026-08-25 | 官方公告 | TL;DR Add new SetDepositsReserveTarget Easy Track factory, letting the CMC adjust Lido.depositsReserveTarget via Easy Track motion, capped at 9600 ETH . Parameter Value Trusted caller CMC multisig (5/9) 0x2570e0b22AD9045 | official · Liquid Staking |
| Ethereum | Open-source TypeScript module for Aave V3 Health Factor evaluation | 2026-08-25 | 官方公告 | Hi everyone, I’ve been working on define-kit, an open-source TypeScript toolkit for deterministic DeFi position evaluation. The first position module is for Aave V3 Health Factor. The main idea is to separate protocol re | official · Lending |
| Ethereum | Aave V3: [Direct-to-AIP] Safety Module August 2026 - Allowance Update | 2026-08-28 | 官方公告 | title: [Direct-to-AIP] Safety Module August 2026 - Allowance Update author: @TokenLogic created: 2026-08-28 Simple Summary Top up the AAVE allowance funding stkAAVE rewards such that it covers everything stakers have alr | official · Lending |
| Ethereum | Aave V3: How can i set a specific custome migration fee for l2 blockchains | 2026-08-29 | 官方公告 | Migrating assets between Layer 2 networks shouldn’t come with surprise costs. A custom migration fee lets you control exactly what users pay instead of relying on volatile gas estimates. Start in your bridge or rollup co | official · Lending |
| Ethereum | Aave V3: Aave v3-v4 liquidation bot | 2026-08-30 | 官方公告 | I spent several months building and running a liquidation system for Aave V3 and V4 across Ethereum, Arbitrum and Base. I have written up how it works and am attaching it here. There is a lot of public material on MEV in | official · Lending |
| Cardano | Framework Proposal: Performance-Based B2B Capital Allocation for Cardano | 2026-08-30 | 論壇提案 | 以績效導向分配 B2B 資本、強化治理問責 | ADA |
| Ethereum | Aave V3: [Direct to AIP] Onboard USDe to Aave V4 Core Instance on Avalanche | 2026-09-01 | 官方公告 | Title: [Direct to AIP] Onboard USDe to Aave V4 Core Instance on Avalanche Author: @AaveLabs Date: 2026-09-01 Summary This proposal seeks to onboard USDe to the Aave V4 Core Instance on Avalanche. This proposal follows th | official · Lending |
| Optimism | Maintenance Upgrade Proposal: Unichain ProxyAdmin Owner Transition to Standard Optimism Governance | 2026-09-02 | 官方公告 | Proposal Type: Maintenance Upgrade Proposal Voting Cycle: Off-cycle (Special Voting Cycle, subject to the standard veto period) Executive Summary This proposal transitions the ProxyAdmin Owner of Unichain Mainnet (chain | official · L1/L2 |
橫條為 TVL（十億美元）；顏色依 7 日增減
數據截至 2026/09/03 09:07（台北）
TVL 前十 DeFi 協議（排除 CEX；單位：十億美元）
| 協議 | TVL | 7d | 鏈 |
|---|---|---|---|
| Saturn Stablecoin Wrapper | $0.14B | +79.93% | Ethereum |
| Aerodrome Slipstream Dexs | $0.18B | +34.77% | Base |
| Lighter Robinhood Perps Derivatives | $0.05B | +32.78% | Robinhood Chain |
| USD AI RWA Lending | $0.23B | +32.72% | Arbitrum |
| Spark Liquidity Layer Onchain Capital Allocator | $2.27B | +25.22% | Ethereum, Base, Arbitrum |
| Avalon Superearn Yield | $0.07B | +24.52% | Ethereum |
| Stargate V2 Cross Chain Bridge | $0.09B | +24.24% | Binance, Ethereum, Arbitrum |
| Robinhood Chain Bridge Canonical Bridge | $0.55B | +23.14% | Ethereum |
近 7 日成交前十（十億美元）
鏈上 Perp DEX 近 7 日合計約 $156.2B（DefiLlama 衍生品板塊）。TVL 優先取協議本身；若無則合計同一 parent／同名生態（如 Bridge／HLP）；仍無則標「未揭露」。
| 協議 | TVL | TVL 7d | 24h 量 | 7d 量 | 7d 市占 | 量 7d | 鏈 |
|---|---|---|---|---|---|---|---|
| Hyperliquid Perps | $6.84B 專案合計 | -0.05% | $13.68B | $94.85B | 60.7% | +6.26% | Hyperliquid L1 |
| Aster Perps | $847.6M 專案合計 | +16.11% | $2.47B | $16.9B | 10.8% | +4.25% | Off Chain |
| Variational | 未揭露 | — | $1.54B | $10.32B | 6.6% | +6.83% | Arbitrum |
| Lighter Perps | $647.3M 專案合計 | +4.05% | $1.01B | $7.28B | 4.7% | +1.81% | zkLighter, Robinhood Chain |
| edgeX V2 | $70.5M 專案合計 | -2.99% | $0.59B | $4.08B | 2.6% | -0.94% | edgeX L1 |
| Grvt Perps | $38.9M 專案合計 | +26.27% | $0.42B | $3.02B | 1.9% | -3.13% | GRVT |
| edgeX Perps | $70.5M 專案合計 | -2.99% | $0.58B | $2.92B | 1.9% | — | edgeX L1 |
| Antarctic | $9.3M | +1.34% | $0.33B | $2.25B | 1.4% | +2.26% | Off Chain |
| QFEX | 未揭露 | — | $0.22B | $1.76B | 1.1% | +1.90% | Off Chain |
| Lighter Robinhood Perps | $54.8M | +32.78% | $0.23B | $1.36B | 0.9% | +60.91% | Robinhood Chain |
資料來源
查詢時間：2026-09-03 09:07 台北
TradingView Lightweight Charts：滾輪縮放、拖曳平移；價格／RSI／MACD 同一時間軸。資料：Yahoo Finance（BTC／ETH／BNB／SOL／ADA／LINK／HYPE／Lighter 日線）
RSI(14)：相對強弱指標，用近 14 日漲跌幅度衡量超買／超賣。一般 >70 偏超買（動能過熱、留意回檔）、<30 偏超賣（賣壓過重、留意反彈）；中段多為盤整。加密貨幣波動大，區間可當參考而非絕對買賣訊號。
MACD(12,26,9)：指數平滑異同移動平均線。MACD 線＝快線 EMA12−慢線 EMA26，訊號線＝MACD 的 EMA9，柱狀圖＝MACD−訊號。柱由負轉正／MACD 上穿訊號線，常視為動能轉多；反之轉空。與價格背離時更值得留意趨勢轉折。