加密支付平台緩慢崛起，落後於 Apple Pay 直覺的使用者體驗

在接受 Cointelegraph 採訪時，Helio 執行長 Stijn Paumen 討論了加密貨幣支付平台在匹配 Apple Pay 等傳統支付方式的使用者體驗方面所面臨的挑戰。 Paumen 強調了比特幣和以太坊的性能局限性，並強調 Solana 等第二代區塊鏈的出現作為潛在的解決方案。 Helio 的平台支援多種加密貨幣，包括比特幣、Solana 和 USDC，並已促成每月 3000 萬美元的支付，主要是在 Web3 領域。

Cryptocurrency Payment Platforms: Emerging in the E-commerce Landscape, Yet Lagging Behind Apple Pay's User Experience

加密貨幣支付平台：在電子商務領域嶄露頭角，但落後於Apple Pay的用戶體驗

As the adoption of cryptocurrencies continues to gain momentum, their integration into mainstream payment platforms and retail environments is gradually expanding. However, the user experience and performance of these cryptocurrency payment platforms often fall short of established standards set by incumbents like Apple Pay.

隨著加密貨幣的採用繼續獲得動力，它們與主流支付平台和零售環境的整合正在逐漸擴大。然而，這些加密貨幣支付平台的使用者體驗和效能往往達不到 Apple Pay 等現有企業設定的既定標準。

In an interview with Cointelegraph, Stijn Paumen, CEO of Helio, a growing crypto payments platform, shed light on the challenges facing the cryptocurrency payments sector. Paumen emphasized the need for cryptocurrency payment platforms to surpass the benchmark set by Apple Pay's seamless and swift payment processing.

在接受 Cointelegraph 採訪時，不斷發展的加密支付平台 Helio 的執行長 Stijn Paumen 闡述了加密貨幣支付行業面臨的挑戰。 Paumen 強調加密貨幣支付平台需要超越 Apple Pay 無縫且快速的支付處理設定的基準。

Apple Pay as a Benchmark for User Experience

Apple Pay 作為使用者體驗的基準

"I think the benchmark is Apple Pay," Paumen stated. "How are you going to beat Apple Pay, where I can just tap my phone and I've paid within three seconds?"

「我認為 Apple Pay 是基準，」Paumen 說。 「你打算如何擊敗 Apple Pay，我只需輕按手機，三秒內即可付款？”

Despite advancements in blockchain technology, particularly with the emergence of newer networks like Solana, the performance and functionality of cryptocurrency payment platforms still fail to match the efficiency of traditional financial infrastructure.

儘管區塊鏈技術取得了進步，特別是隨著 Solana 等新型網路的出現，但加密貨幣支付平台的效能和功能仍然無法與傳統金融基礎設施的效率相匹配。

Bridging the Gap with Second-Generation Blockchains

用第二代區塊鏈縮小差距

The introduction of second-generation blockchains like Solana has begun to address these limitations. However, as Paumen noted, these platforms face their own teething issues. "Now with the second generation of blockchains like Solana, even though there's a lot of talk about congestion, we actually have the engineering resources to figure it out," Paumen said.

Solana 等第二代區塊鏈的引入已經開始解決這些限制。然而，正如波門所指出的，這些平台也面臨著自己的初期問題。 「現在有了像 Solana 這樣的第二代區塊鏈，儘管有很多關於擁塞的討論，但我們實際上擁有工程資源來解決這個問題，」Paumen 說。

Helio's Mission: Enhancing Crypto Payment Accessibility

Helio 的使命：增強加密支付的可近性

Founded in March 2022 by Paumen and Jim Walker, Helio aims to address the shortcomings of crypto payments by providing a platform that enables merchants and e-commerce websites of all sizes to easily accept cryptocurrency payments. According to Paumen, Helio currently facilitates $30 million in monthly payments, primarily within the Web3 ecosystem. The platform supports a range of cryptocurrencies, including Bitcoin, Solana, USD Coin, and Ethereum-based payments.

Helio 由 Paumen 和 Jim Walker 於 2022 年 3 月創立，旨在透過提供一個平台，使各種規模的商家和電子商務網站能夠輕鬆接受加密貨幣支付，從而解決加密支付的缺點。據 Paumen 稱，Helio 目前每月支付 3,000 萬美元，主要是在 Web3 生態系統內。該平台支援一系列加密貨幣，包括比特幣、Solana、美元硬幣和基於以太坊的支付。

Notable Integrations and Ecosystem Building

值得注意的整合和生態系統建設

Helio has made significant strides in the Solana ecosystem, facilitating the sale of approximately 80,000 Solana mobile phones through its payment plugin. The platform has also integrated with popular e-commerce platforms such as Shopify and WooCommerce.

Helio 在 Solana 生態系統中取得了重大進展，透過其支付插件促進了約 80,000 部 Solana 手機的銷售。該平台還與 Shopify 和 WooCommerce 等流行的電子商務平台整合。

Challenges in Mass Adoption

大規模採用的挑戰

Despite these advancements, Paumen acknowledges the challenges in driving widespread adoption and mainstream integration. The need to assume crypto fluency among users remains a limiting factor. "If you have a phantom wallet and you know how to use it, you can pay on a Helio checkout with a single tap as fast as Apple Pay," Paumen explained. "But you need to assume that you're a crypto-fluent user, and that's a very small percentage."

儘管取得了這些進步，波門承認在推動廣泛採用和主流整合方面面臨挑戰。假設用戶之間加密貨幣的流暢性的需要仍然是一個限制。 「如果你有一個幻影錢包，並且你知道如何使用它，你只需輕輕一按，就可以在 Helio 結帳台上進行支付，速度與 Apple Pay 一樣快，」Paumen 解釋道。 “但你需要假設你是一個精通加密貨幣的用戶，而這個比例非常小。”

Improving Onboarding and User Experience

改善入職和使用者體驗

To overcome these obstacles, Paumen believes that the onboarding process for crypto payments needs to be significantly improved. "We talk about this concept of crypto granny internally. What we mean is, when crypto granny buys a Bored Ape hoodie for her grandson, she needs to be able to do that without owning crypto, without even knowing what blockchain is," Paumen added.

為了克服這些障礙，Paumen 認為需要顯著改善加密支付的入門流程。 「我們在內部討論加密奶奶的概念。我們的意思是，當加密奶奶為她的孫子購買一件Bored Ape 連帽衫時，她需要能夠在不擁有加密貨幣的情況下做到這一點，甚至不知道區塊鏈是什麼，」Paumen 補充道。

Future Outlook and Potential Disruption

未來展望與潛在顛覆

While acknowledging the potential for established payment providers like Apple Pay to leverage their own blockchains for payment settlement, Paumen remains optimistic about the long-term prospects of a decentralized approach. "I think it's just a really powerful technology," he stated. "We're still early. The fact that Visa is partnering with Solana is a great signal, though."

儘管承認 Apple Pay 等成熟支付提供者有可能利用自己的區塊鏈進行支付結算，但 Paumen 對去中心化方法的長期前景仍然持樂觀態度。 「我認為這是一項非常強大的技術，」他說。 “我們還為時過早。不過，Visa 與 Solana 合作的事實是一個很好的信號。”

Beyond E-commerce: Exploring New Frontiers

超越電子商務：探索新領域

While onboarding major e-commerce platforms is a key step towards mass adoption, Paumen sees promise in expanding the utility of crypto payments to streaming platforms like Vimeo and adult entertainment platforms like OnlyFans. These platforms, he believes, could potentially drive significant usage and growth for crypto payments.

雖然加入主要電子商務平台是邁向大規模採用的關鍵一步，但 Paumen 看到了將加密支付的實用性擴展到 Vimeo 等串流媒體平台和 OnlyFans 等成人娛樂平台的希望。他認為，這些平台可能會推動加密支付的大量使用和成長。