Circle Internet Group使用USDC Stablecoin啟動跨境支付網絡

這家耗資600億美元的Stablecoin背後的公司Circle Internet Group於週二宣布了新的Circle Payments Network（CPN）。

Circle Internet Group, the company behind the $60 billion USDC stablecoin, announced its new Circle Payments Network (CPN) on Tuesday. The network aims to revolutionize cross-border payments by using regulated stablecoins to enable real-time settlement of international transactions.

這家耗資600億美元的Stablecoin背後的公司Circle Internet Group於週二宣布了新的Circle Payments Network（CPN）。該網絡旨在通過使用規範的穩定幣來實時結算國際交易，徹底改變跨境支付。

The announcement was made from Circle’s headquarters on the 87th floor of One World Trade Center in New York City. CEO Jeremy Allaire shared his vision for the stablecoin giant’s next move in the payments space during a launch event aimed at banks, fintech companies, payment service providers, and USDC strategic partners.

該公告是由Circle總部位於紐約市一個世界貿易中心87樓的總部。首席執行官傑里米·阿萊爾（Jeremy Allaire）在針對銀行，金融科技公司，付款服務提供商和USDC戰略合作夥伴的發射活動期間，分享了他對Stablecoin巨頭在付款領域的下一步行動的願景。

CPN is designed to connect various financial institutions, including banks, neo-banks, payment providers, virtual asset services, and digital wallets. It offers real-time, low-cost, and transparent settlement of international transactions using stablecoins like USDC and EURC.

CPN旨在連接各種金融機構，包括銀行，新銀行，付款提供商，虛擬資產服務和數字錢包。它提供實時，低成本和透明的國際交易結算，使用USDC和Eurc等穩定的交易。

Banking Partners and Industry Support

銀行合作夥伴和行業支持

To ensure CPN meets high standards of trust and operational integrity, Circle has enlisted several major banks to help design the network. Banco Santander, Deutsche Bank, Société Générale, and Standard Chartered Bank are contributing their expertise in global payments.

為了確保CPN達到高標準的信任和運營完整性，Circle邀請了幾家主要銀行來幫助設計網絡。 Banco Santander，Deutsche Bank，Sociétégénérale和Standard Charter Bank正在為全球支付方面的專業知識提供貢獻。

“Circle’s compliance-first approach to building products like CPN is a game changer for how money moves across borders, and we are pleased to build on our partnership and offer them our global expertise,” said Michael Spiegel, Global Head of Transaction Banking at Standard Chartered Bank.

“ Circle的合規首先要建立CPN之類的產品，這是一款改變遊戲規則的人，對於金錢如何在邊界上移動，我們很高興建立我們的合作夥伴關係並為他們提供我們的全球專業知識，”標準特許銀行交易銀行業務負責人Michael Spiegel說。

The network is also supported by digital asset infrastructure platforms like Fireblocks. These platforms are working to connect their networks of institutional customers to expand access to efficient, secure cross-border payments.

該網絡還得到了諸如Fireblocks之類的數字資產基礎架構平台的支持。這些平台正在努力將其機構客戶網絡連接起來，以擴展訪問高效，安全的跨境支付。

Addressing Global Payment Inefficiencies

解決全球付款效率低下

Circle believes CPN addresses longstanding inefficiencies in cross-border payments. According to the World Bank, international transfers can still take longer than one business day to settle and cost more than 6%. These issues have a greater impact on emerging markets and limit their global competitiveness.

Circle認為CPN解決了跨境支付中長期效率的長期效率。根據世界銀行的數據，國際轉會仍然需要超過一個工作日的時間來定居，並且成本超過6％。這些問題對新興市場產生了更大的影響，並限制了其全球競爭力。

“Since our founding, Circle’s vision has been to make moving money as simple and efficient as sending an email,” said Jeremy Allaire, Co-Founder, Chairman, and CEO of Circle. “CPN is a major step in making that vision a relevant and valuable one for businesses around the world.”

“自成立以來，Circle的願景一直是使貨幣像發送電子郵件一樣簡單有效，” Circle的聯合創始人兼首席執行官Jeremy Allaire說。 “ CPN是使該願景成為世界各地企業相關且有價值的一步。”

Use Cases and Technical Features

用例和技術功能

CPN will enable a broad spectrum of cross-border money movement use cases. These include supplier payments, remittances, payroll, capital markets settlement, internal treasury operations, and onchain financial applications.

CPN將實現廣泛的跨境貨幣運動用例。其中包括供應商付款，匯款，薪資，資本市場和解，內部財政運營和OnChain Financial Applications。

The network is powered by smart contract infrastructure and modular APIs. This enables third-party developers to build advanced modules, app services, and automated financial workflows directly on top of CPN.

該網絡由智能合同基礎架構和模塊化API提供支持。這使第三方開發人員能夠直接在CPN頂部構建高級模塊，應用程序服務和自動化的財務工作流程。

“Circle Payments Network is a foundational layer for the always-on economy — enabling trusted institutions to move value across borders, instantly,” said Nikhil Chandhok, Chief Product and Technology Officer at Circle. “With programmable infrastructure at its core, CPN makes it possible to embed value transfer into modern financial applications in ways that weren’t feasible before.”

“ Circle Dayments Network是始終經濟的基礎層，使受信任的機構能夠立即在邊界上移動價值，” Circle首席產品和技術官Nikhil Chandhok說。 “憑藉可編程的基礎架構的核心，CPN使以前不可行的方式將價值轉移嵌入現代財務應用中。”

Regulatory Framework

監管框架

CPN operates under a robust governance framework. Participants must meet strict eligibility standards, including licensing, AML/CFT compliance, financial risk management, and cybersecurity protocols.

CPN在強大的治理框架下運行。參與者必須符合嚴格的資格標準，包括許可，AML/CFT合規性，財務風險管理和網絡安全協議。

By leveraging regulated stablecoins like USDC and EURC, CPN enables seamless connectivity to domestic real-time payment systems worldwide. At the same time, it upholds the compliance, security, and trust required for financial institutions to meet their regulatory obligations.

通過利用USDC和EURC（EURC）等受監管的穩定幣，CPN可以無縫連接到全球的國內實時支付系統。同時，它堅持金融機構履行其監管義務所需的合規性，安全性和信任。

The launch comes at a time when new regulations around the globe are opening up the stablecoin space. Circle has shared the spotlight in this area with larger rival Tether.

發射是在全球新規定打開Stablecoin空間的時候。 Circle與較大的競爭對手繫繩共享了該區域的聚光燈。

Market Context and Timing

市場環境和時機

Stablecoins have reached an adoption level where the technology could disrupt global money transfers. Venture capital firm Andreessen Horowitz recently compared this potential disruption to how WhatsApp transformed international calls.

Stablecoins已達到收養水平，該技術可能會破壞全球貨幣轉移。風險投資公司Andreessen Horowitz最近將這種潛在的破壞與WhatsApp轉換國際電話的方式進行了比較。

In recent interviews, crypto custody tech specialists Fireblocks pointed to billions already being moved by payment services providers. These providers are using stablecoins like USDC and USDT for cross-border payments.

在最近的採訪中，加密貨幣科技專家Fireblocks指出，支付服務提供商已經移動了數十億美元。這些提供商正在使用USDC和USDT等穩定幣進行跨境支付。

The announcement comes shortly after Circle postponed its planned initial public offering (IPO) due to uncertain market conditions.

由於市場條件不確定，Circle推遲了計劃的首次公開募股（IPO）之後不久。

Circle Payments Network is expected to be released in a limited capacity in May 2025.

圓圈支付網絡預計將在2025年5月以有限的能力發布。