加密支付和穩定幣：推動消費者和商業交易創新的雙引擎

隨著數位支付世界的發展，加密支付和穩定幣正在成為推動消費者和商業交易創新的雙引擎

Cryptocurrency and stablecoin payments are emerging as twin engines of innovation in consumer and business transactions, promising faster, cheaper and more autonomous experiences across both Main Street and Wall Street.

加密貨幣和穩定幣支付正在成為消費者和商業交易創新的雙引擎，預計在大街和華爾街提供更快、更便宜和更自主的體驗。

For consumers, the allure of cryptocurrencies lies in their ability to bypass traditional financial systems, promising faster, cheaper and more autonomous transactions. This is especially appealing in an era where digital wallets and mobile banking are becoming increasingly common.

對消費者來說，加密貨幣的吸引力在於它們能夠繞過傳統金融系統，承諾更快、更便宜、更自主的交易。在數位錢包和行動銀行日益普及的時代，這一點尤其有吸引力。

On the other hand, businesses are gravitating toward stablecoins for their predictable value and compatibility with existing infrastructure. Stablecoins are pegged to fiat currencies or other assets, such as gold, and are designed to minimize price volatility. This makes them more suitable for everyday transactions and reduces the risk of losses due to price fluctuations.

另一方面，企業因其可預測的價值以及與現有基礎設施的兼容性而傾向於穩定幣。穩定幣與法定貨幣或黃金等其他資產掛鉤，旨在最大限度地減少價格波動。這使得它們更適合日常交易，並降低因價格波動而造成損失的風險。

Despite these differences, both consumer and business applications of crypto payments and stablecoins are being driven by a shared underlying technology: blockchain. Its transparency, security and programmability create opportunities for innovation that bridges the gap between consumer and enterprise use cases.

儘管存在這些差異，加密支付和穩定幣的消費者和商業應用都是由共享的底層技術：區塊鏈驅動的。其透明度、安全性和可編程性創造了創新機會，彌合了消費者和企業用例之間的差距。

As adoption grows and regulations evolve, the line between consumer and business use cases may blur even further. We could see the emergence of hybrid solutions, such as stablecoins that offer rewards programs or cryptocurrencies that are designed for low volatility, which would integrate these technologies into daily life.

隨著採用率的成長和法規的發展，消費者和企業用例之間的界線可能會進一步模糊。我們可以看到混合解決方案的出現，例如提供獎勵計劃的穩定幣或專為低波動性而設計的加密貨幣，這些解決方案將這些技術融入日常生活中。

The Consumer Case for Crypto

加密貨幣的消費者案例

The world’s most popular cryptocurrency reached that new record as just the latest in a series of milestones in the wake of the pro-crypto president-elect’s victory last month. The price later broke $108,000.

上個月支持加密貨幣的當選總統獲勝後，世界上最受歡迎的加密貨幣達到了這一新紀錄，這只是一系列里程碑中的最新一個。隨後價格突破108,000美元。

But with the surge in value has also come the need for a jump up in security.

但隨著價值的激增，也需要提高安全性。

Anti-fraud security measures will be offered to Revolut’s cryptocurrency customers starting next year, news broke Tuesday (Dec. 17).

週二（12 月 17 日）有消息稱，將從明年開始向 Revolut 的加密貨幣客戶提供反詐騙安全措施。

Crypto-related convictions jumped an astonishing 267% last year, with law enforcement taking creative measures to catch scammers.

去年，隨著執法部門採取創意措施抓捕詐騙者，與加密貨幣相關的定罪量激增了 267%。

The United Kingdom’s Financial Conduct Authority (FCA) is seeking public comment on its plans to improve the transparency of the country’s cryptocurrency markets.

英國金融行為監理局（FCA）正在就其提高該國加密貨幣市場透明度的計畫徵求公眾意見。

The FCA recently found that 12% of U.K. adults own crypto, up from 10% in past findings.

FCA 最近發現，12% 的英國成年人擁有加密貨幣，高於過去調查結果的 10%。

“We want to develop a crypto regime that is fair, balanced and proportionate for all,” the FCA said in a release on Monday. “We need input from the government, our international partners, industry and consumers to help us get the future rules right.”

FCA 在周一的新聞稿中表示：“我們希望制定一個對所有人公平、平衡且相稱的加密貨幣制度。” “我們需要政府、國際合作夥伴、行業和消費者的意見，以幫助我們制定正確的未來規則。”

European cryptocurrency exchange WhiteBIT has launched a debit card partnership with Visa in what the company described as “a major step in making cryptocurrency a practical choice for everyday transactions.”

歐洲加密貨幣交易所 WhiteBIT 與 Visa 建立了借記卡合作夥伴關係，該公司稱其為「使加密貨幣成為日常交易的實用選擇的重要一步」。

As for less practical and less every day purchases, upscale French luxury department store Printemps has announced a partnership with Binance and French FinTech company Lyzi to accept cryptocurrencies in its stores in France, becoming the first European department store to do so.

至於較不實用且較不日常的購買，法國高檔奢侈品百貨公司Printemps宣布與幣安和法國金融科技公司Lyzi合作，在其法國商店接受加密貨幣，成為第一家這樣做的歐洲百貨公司。

Stablecoins Start Setting Up Camp Across U.S. Financial Ecosystem

穩定幣開始在美國金融生態系中紮營

While consumers enjoy the speculative and flexible nature of cryptocurrencies, businesses prioritize stablecoins for their practical advantages.

雖然消費者喜歡加密貨幣的投機性和靈活性，但企業優先考慮穩定幣的實際優勢。

Stablecoin payments infrastructure firm BVNK is expanding to the U.S. after raising $50 million. As part of the funding round, the company is opening an office in San Francisco and “establishing a presence” in New York City, BVNK said in a news release.

穩定幣支付基礎設施公司 BVNK 在籌集 5000 萬美元後正在向美國擴張。 BVNK 在新聞稿中表示，作為本輪融資的一部分，該公司將在舊金山開設辦事處，並在紐約市「建立業務」。

“Stablecoins are redefining how money moves across the world — faster, more cost-efficient and with fewer barriers,” said Jesse Hemson-Struthers, CEO of BVNK. “At BVNK, we’re building the infrastructure to make these new rails accessible to businesses everywhere, empowering them to operate at the speed of today’s economy. This funding marks the next step in our mission to transform payments for the modern world.”

BVNK 執行長 Jesse Hemson-Struthers 表示：“穩定幣正在重新定義資金在全球範圍內流動的方式——更快、更具成本效益且障礙更少。” 「在 BVNK，我們正在建造基礎設施，以使世界各地的企業都能使用這些新鐵路，使他們能夠以當今經濟的速度運作。這筆資金標誌著我們轉變現代世界支付方式的使命又邁出了一步。

PYMNTS on Tuesday explored how, while artificial intelligence (AI) drives automation and analytics, blockchain brings a critical layer of trust and transparency to finance operations. We noted that digital assets like stablecoins can offer treasury teams the capability to optimize cross-border payments and provide alternative payment solutions, such as for complex commercial transactions or within regions with less stable fiat currencies.

PYMNTS 週二探討了人工智慧 (AI) 推動自動化和分析的同時，區塊鏈如何為財務營運帶來關鍵的信任和透明度。我們注意到，穩定幣等數位資產可以為財務團隊提供優化跨境支付並提供替代支付解決方案的能力，例如針對複雜的商業交易或在法定貨幣不太穩定的地區內進行的支付解決方案。

Blockchain firm Ripple announced on Monday (Dec. 16) the news that RLUSD, the organization’s USD-pegged stablecoin, had received approval from the New York State Department of Financial Services (NYDFS). On Tuesday, the stablecoin became available for use across the world’s exchanges in the latest example of rising enthusiasm in the digital asset sector.

區塊鏈公司 Ripple 週一（12 月 16 日）宣布消息，該組織與美元掛鉤的穩定幣 RLUSD 已獲得紐約州金融服務部（NYDFS）的批准。週二，這種穩定幣開始在全球交易所使用，這是數位資產領域熱情高漲的最新例子。

Also on Tuesday, the payroll/HR platform Remote announced that its clients can now pay contract workers using stablecoins. The new offering, launching initially for businesses in the U.S., allows companies to pay contractors in 69 countries with the USDC stablecoin per the introduction of stablecoin payouts via Stripe.

同樣在周二，薪資/人力資源平台 Remote 宣布其客戶現在可以使用穩定幣向合約工支付工資。這項新服務最初是針對美國企業推出，透過 Stripe 引入穩定幣支付，企業可以使用 USDC 穩定幣向 69 個國家的承包商付款。