Circle正在啟動一個新的全球支付系統，該系統將簡化跨境銀行交易

根據4月20日的新聞稿，Circle Dayments網絡將銀行，金融科技公司，數字錢包和其他金融機構連接起來，以使用諸如USD Coin（USDC）和EURC（EURC）（EURC）（EURC）（EURC）（EURC）（EURC）等監管的穩定股份實現實時的跨境交易。

Circle, the issuer of USDC and EURC stablecoins, is launching a new global payments system to streamline cross-border bank transactions, according to a press release on Friday.

根據周五的新聞稿，Circle是USDC和EURC Stablecoins的發行人，它正在推出新的全球支付系統，以簡化跨境銀行交易。

The Circle Payments Network (CPN) will connect banks, fintech firms, digital wallets, and other financial institutions to enable real-time, cross-border transactions using regulated stablecoins like USD Coin (USDC) and EURC.

Circle Payments Network（CPN）將使用諸如USD Coin（USDC）和EURC的監管穩定股（USD Coin（USDC）和Eurc）連接銀行，金融科技公司，數字錢包和其他金融機構，以實現實時的跨境交易。

Current international payments involve a chain of intermediaries, leading to slow settlement times and high fees, especially for users in emerging markets. CPN is designed to combine robust compliance standards—including KYC/AML and cybersecurity procedures—with 24/7 stablecoin settlement to address these inefficiencies.

當前的國際付款涉及一系列中介機構，導致結算時間和高費用緩慢，尤其是對於新興市場的用戶而言。 CPN旨在將強大的合規性標準（包括KYC/AML和網絡安全程序）結合在一起，並與24/7 Stablecoin Settlement結合使用，以解決這些效率低下。

The system supports treasury operations, onchain financial applications, payroll, remittances, and business payments, among other use cases. Developers can also create financial tools and workflows directly on top of the network using smart contracts and modular application programming interfaces.

該系統支持國庫運營，OnChain Financial應用程序，工資單，匯款和業務付款等用例。開發人員還可以使用智能合約和模塊化應用程序編程接口直接在網絡頂部創建財務工具和工作流程。

Circle is collaborating with partners like Banco Santander, Deutsche Bank, Société Générale, and Standard Chartered to define the network’s architecture and compliance requirements. Several other fintechs and infrastructure partners—including BCB Group, Flutterwave, dLocal, Coins.ph, Zodia Markets, and Fireblocks—are helping build out integrations and local currency access points.

Circle正在與Banco Santander，Deutsche Bank，SociétéGénérale等合作夥伴合作，並旨在定義網絡的架構和合規性要求。其他幾個金融科技和基礎設施合作夥伴包括BCB集團，FlutterWave，Dlocal，Coins.PH，Zodia Markets和Fireblocks，都可以幫助建立集成和本地貨幣接入點。

“We are designing CPN to be the core backbone of a programmable, always-on financial system that the world can use and rely upon for the next 50 years,” said Paul Pirner, president of Money Transfer and Payment at Standard Chartered.

“我們將CPN設計為可以在未來50年內可以使用和依賴的可編程，始終在金融體系的核心骨幹，”標準租賃公司匯款和付款總裁保羅·皮爾納（Paul Pirner）說。

"This network will unlock new possibilities for seamless and efficient cross-border transactions, catering to the diverse needs of customers in today's interconnected world."

“該網絡將為無縫和高效的跨境交易解開新的可能性，以滿足當今互連世界中客戶的各種需求。”

The network is expected to launch in limited capacity in May 2025, with participation open to licensed financial institutions in all major markets.

該網絡預計將在2025年5月以有限的能力推出，參與向所有主要市場的許可金融機構開放。

The launch comes as Circle and other crypto companies—including Coinbase, Paxos, and BitGo—are preparing to apply for banking licenses in the US, The Wall Street Journal reported on Friday.

據《華爾街日報》報導，該發布會是隨著Circle和其他加密公司（包括Coinbase，Paxos和BitGo）的準備，正準備在美國申請銀行許可證。

Both crypto-native companies and established banks like Standard Chartered and Deutsche Bank are positioning themselves to increase their presence in the US crypto market as a result of changing regulatory attitudes.

隨著監管態度的改變，加密本地公司和建立的銀行等銀行都在定位自己，以增加其在美國加密貨幣市場的業務。

This marks a shift compared to previous years, when US regulators discouraged banks from engaging with crypto firms.

與往年相比，這標誌著美國監管機構阻止銀行與加密貨幣公司互動的轉變。