4Paradigm和9M科技宣布战略合作，联合推出针对稳定币生态的"稳定币底层资产管理解决方案"。该方案结合4Paradigm的AI能力和9M科技的固定收益投资组合管理经验，旨在解决稳定币投资领域合规、安全和智能化资产管理系统的缺乏，促进稳定币生态系统智能基础设施建设，加速合规稳定币产品的试点和落地。与之前的"稳定币智能风控与智能合规解决方案"相比，新方案更专注于资产回报的稳定性。

📈该方案由人工智能公司4Paradigm和固定收益金融科技平台9M科技联合推出，旨在解决稳定币投资领域合规、安全和智能化资产管理系统的缺乏，促进稳定币生态系统智能基础设施建设。

🛡️方案结合了4Paradigm的AI能力和9M科技的固定收益投资组合管理经验，通过"资产配置—风险预警—合规验证"的闭环操作机制，提升稳定币运营商对资产安全和监管合规的控制能力。

🔄方案提供储备资产智能优化、实时风险主动防御、流动性精准匹配、自动化合规披露、运营策略持续升级等功能，确保发行人的核心运营，并通过AI量化模型提供实时风险预警和及时的投资组合调整，防止脱锚。

📊方案将通过短期推出"合规+投资组合管理"一体化SaaS解决方案，中期共建稳定币资产评级系统和开放API服务，长期共同打造国家级稳定币技术基础，支持跨境数字人民币互联互通等战略项目。

🔗方案探索"技术驱动+合规联盟"模式，包括与持牌机构联合开展发行试点项目、定位为风险控制和系统层核心服务提供商、逐步建立高技术壁垒的合规发行能力。

2025-07-22 13:03 上海

4Paradigm Stablecoin Underlying Asset Management Solution

On July 21, 2025, leading artificial intelligence company 4Paradigm and fixed-income fintech platform 9M Technologies announced a strategic partnership and jointly released a "Stablecoin Underlying Asset Management Solution" tailored for the stablecoin ecosystem. This solution combines 4Paradigm's powerful AI capabilities with 9M Technologies' extensive experience in managing fixed-income portfolios for over 20 leading financial institutions. The aim is to jointly explore the stablecoin market, address the lack of compliant, secure, and intelligent asset management systems in the stablecoin investment field, and promote the construction of intelligent infrastructure for the stablecoin ecosystem, thereby accelerating the pilot and implementation of compliant stablecoin products. Compared to the previously launched "Stablecoin Intelligent Risk Control & Intelligent Compliance Solution," the "Stablecoin Underlying Asset Management Solution" focuses on the stability of asset returns.

Cooperation Background

New Compliance Stage Drives Core Demand in Stablecoin Ecosystem

With the official implementation of Hong Kong's "Stablecoin Ordinance" and the continuous improvement of global regulatory policies, stablecoins, as an important bridge connecting traditional finance and the digital asset economy, are rapidly entering a new stage of compliance and institutional development. 

As a digital cash anchored to fiat currencies (such as the US dollar), the core stability of stablecoins lies in the issuer's professional management of its real-world asset reserves. To maintain this stability, issuers must effectively manage their equivalent real-world assets (reserves), including reasonable investment portfolio configuration and 24/7 risk monitoring. 

In this context, the industry urgently needs to build a key infrastructure supporting the healthy operation of the ecosystem—a stable and effective asset management solution aimed at providing a security layer for stablecoin holders' assets, covering reserve management, custody risks, market fluctuations, and potential losses such as fraud, thereby enhancing user confidence. 

In response to this core demand, 4Paradigm and 9M Technologies have joined forces to address the market's urgent needs and provide innovative security solutions for the stable operation of the stablecoin ecosystem.

Stablecoin Underlying Asset Management Solution

AI + Fixed Income for More Efficient Underlying Asset Management

With the deep integration of both parties' systems, a closed-loop operation mechanism of "asset allocation—risk warning—compliance verification" will eventually be established. This will not only greatly enhance stablecoin operators' control over asset security and regulatory compliance but also inject strong data intelligence and technical resilience into the entire stablecoin ecosystem, promoting the industry's continuous development towards a more transparent, robust, and compliant direction.

Scenario Application

Empowering Stablecoin Underlying Asset Management

Stablecoins, with their low volatility and efficient circulation advantages, have become investment hotspots. However, their core challenge lies in: issuers needing to balance profit demands with asset stability—if reserve asset returns are insufficient or risks are uncontrolled, the "stability" foundation will be shaken. The "Stablecoin Underlying Asset Management Solution" has emerged, ensuring issuers' core operations through the AI + Fixed Income dual engine:

Reserve Asset Intelligent Optimization:

Dynamically configure fiat currency/government bond collateral asset portfolios to enhance returns while ensuring safe liquidity (e.g., optimizing the ratio of cash to short-term bonds).

Real-Time Risk Proactive Defense:

Monitor risks such as interest rate fluctuations and credit defaults from multiple dimensions, with AI quantitative models providing real-time warning threshold breaches and timely portfolio adjustments to prevent de-pegging.

Liquidity Precise Matching:

Manage assets based on liquidity grading, dynamically adjusting the proportion of high-liquidity assets based on redemption forecasts to prevent run risks.

Automated Compliance Disclosure:

Automatically generate standardized reserve proof reports and verify asset categories/proportions' compliance in real-time (e.g., meeting Hong Kong's "Stablecoin Ordinance").

Continuous Upgrade of Operational Strategies:

Automate valuation, reconciliation, and stress testing, optimizing asset allocation strategies through historical data backtesting.

Cooperation Outlook

Building Intelligent Infrastructure for Stablecoin

Short-Term Focus:

Launch an integrated SaaS solution for "Compliance + Portfolio Management" to assist issuing institutions in quickly establishing standardized system capabilities and accelerate the implementation of regulatory sandbox projects.

Mid-Term Deepening:

Co-build a stablecoin asset rating system and open API services, providing modular access for commercial banks and licensed platforms, promoting transparency and standardization in reserve management.

Long-Term Co-Building:

Collaboratively create a national-level stablecoin technical foundation to support strategic projects such as cross-border digital RMB interoperability, constructing secure and trustworthy underlying capabilities with the "AI Risk Control + Financial Engineering" dual engine.

Innovative Pathways

Explore the "Technology-Driven + Compliance Affiliation" model:

1) Jointly conduct issuance pilot projects with licensed institutions.

2) Position as a core service provider for risk control and system layers.

3) Gradually establish compliant issuance capabilities with high technical barriers.

In the future, both parties will continue to deepen AI cooperation, strengthen integrated solutions in the financial field and other sectors, continuously empower Chinese enterprises' intelligent operation paradigm innovation, jointly explore markets, and promote the digital transformation and high-quality development of enterprises and institutions.

4Paradigm

4Paradigm is a leading artificial intelligence technology and service provider, an innovator in data science-driven industry applications, with international foresight in fields such as AutoML and transfer learning. As a benchmark enterprise in the financial technology risk control field, 4Paradigm has served multiple leading Chinese banks over the past decade, intercepting fraudulent transactions exceeding 10 billion yuan, with nearly 2,000 successful implementation cases in government, energy, manufacturing, retail, healthcare, media, education, and internet sectors. Recently, it has keenly captured the demand in the stablecoin ecosystem and accurately launched the "Stablecoin Intelligent Risk Control & Intelligent Compliance Solution." In the future, it will actively lay out and continuously promote the compliant and healthy development of the stablecoin field.

9M Technologies

9M Technologies is a fintech service provider deeply rooted in the local market and facing the global stage, focusing on providing asset pricing, investment portfolio analysis, and risk management system solutions for financial institutions such as banks, securities firms, and fund companies. With years of service experience and technical accumulation for domestic and foreign leading financial institutions, its self-developed investment portfolio management and risk management systems have been implemented in over 20 large institutions. These clients include bank financial market departments and wealth management, securities proprietary and asset management departments, various fund companies, etc., with the asset management scale served by the system totaling nearly 10 trillion yuan.

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