FlutterWave，YellowCard和Onafriq Join Circle支付網絡（CPN）

FlutterWave，YellowCard和Onafriq加入了Circle Paymay Network（CPN），這是一個由USDC背後的公司啟動的網絡

Flutterwave, YellowCard, and Onafriq have joined Circle Payment Network (CPN), a network launched by Circle, the company behind USDC, a widely used dollar-pegged stablecoin.

Flutterwave，YellowCard和Onafriq加入了Circle Paymay Network（CPN），這是由Circle推出的網絡，該網絡是USDC背後的公司，這是一家廣泛使用的Dollar-Peggged Stablecoin。

Flutterwave said in a Facebook post that the stablecoin network will allow it to “offer faster, cheaper, and compliant cross-border payments.”

Flutterwave在Facebook帖子中說，Stablecoin網絡將允許其“提供更快，更便宜，合規的跨境支付”。

The CPN, which was launched on April 21, 2025, now has 28 participants from global financial institutions, including FOMO Pay, HIFI, Inswitch, Legend Trading, Nilos, and Noah.

CPN於2025年4月21日啟動，目前擁有來自全球金融機構的28名參與者，包括FOMO PAY，HIFI，INSWITCH，LEGEND TRADING，NILOS和NOAH。

How will Circle Payment Network work?

Circle支付網絡將如何工作？

According to a statement by Circle, “CPN provides financial institutions with a modern way to move money globally with speed.”

根據Circle的一份聲明，“ CPN為金融機構提供了一種現代的方式，以速度向全球轉移資金。”

Jeremy Allaire, Co-Founder, Chairman, and CEO of Circle, said that “Since our founding, Circle’s vision has been to make moving money as simple and efficient as sending an email.”

Circle的聯合創始人兼首席執行官Jeremy Allaire表示：“自從我們的創始人以來，Circle的願景一直是使貨幣像發送電子郵件一樣簡單而有效。”

According to the CPN Whitepaper, the system uses blockchain technology to enable fast, low-cost payments between financial institutions. But instead of going fully on-chain right away, CPN starts with a hybrid model — combining traditional systems with blockchain.

根據CPN白皮書，該系統使用區塊鏈技術來實現金融機構之間的快速，低成本的付款。但是，CPN並沒有立即完全鍊鍊，而是從混合模型開始 - 將傳統系統與區塊鏈相結合。

In this first phase, the process begins off-chain. A financial institution, called an Originating Financial Institution (OFI), uses Circle’s API to start a payment.

在第一階段，該過程開始鍊鍊。一個稱為原始金融機構（OFI）的金融機構使用Circle的API開始付款。

The OFI signs the request to send USDC or EURC to a recipient. Circle then checks that the request is valid and broadcasts the transaction on a supported blockchain, making sure the right amount reaches the Beneficiary Financial Institution (BFI).

OFI簽署了將USDC或EUR發送給收件人的請求。然後，Circle檢查請求是否有效，並將交易在受支持的區塊鏈上廣播，以確保適當的金額達到受益人金融機構（BFI）。

Circle acts as both the operator and referee, ensuring everything runs smoothly and on time.

圈子既充當操作員，又是裁判，確保一切順利運行。

Smartcontract powered FX

SmartContract驅動FX

Over time, CPN will shift to a more advanced setup using smart contracts. These are pieces of code that live on the blockchain and automatically carry out payments once certain conditions are met.

隨著時間的流逝，CPN將使用智能合約轉移到更高級的設置。這些是居住在區塊鏈上的代碼，一旦滿足某些條件，就會自動進行付款。

In this next phase, OFIs will send payments directly through smart contracts, which will confirm the token type, amount, and recipient before executing the transfer.

在下一階段，OFIS將直接通過智能合約發送付款，該合同將在執行轉移之前確認令牌類型，金額和收件人。

This change will reduce human errors, speed up settlements, and automate fee collection. It will also make transactions more transparent.

這種更改將減少人為錯誤，加快定居點並自動收取費用。這也將使交易更加透明。

Each payment will have a unique ID and timestamp, making it easy to track and reconcile for compliance and recordkeeping.

每次付款都將具有獨特的ID和時間戳，使跟踪和調和以獲取合規性和記錄保存。

Circle also plans to introduce an “undo” feature, giving senders a short window to cancel mistaken payments before they are finalised.

Circle還計劃引入“撤消”功能，為發件人提供一個簡短的窗口，以取消付款，然後才能完成錯誤。

Eventually, CPN will support real-time stablecoin swaps, allowing members to exchange USDC, EURC, and other stablecoins instantly on-chain.

最終，CPN將支持實時的穩定股交換，使成員可以立即在鏈上交換USDC，Eurc和其他Stablecoins。

This could turn the network into a sort of foreign exchange system on the blockchain, handling pricing, bids, and efficient routing between different digital currencies.

這可能會將網絡變成區塊鏈上的一種外匯系統，處理定價，出價和不同數字貨幣之間的有效路由。

For companies like Flutterwave, this opens up new possibilities. They could soon be able to use CPN to offer faster international payments, reduce transaction fees, and possibly let their users hold and transfer stablecoins like USDC directly on their platform.

對於像FlutterWave這樣的公司，這開闢了新的可能性。他們很快就可以使用CPN來提供更快的國際付款，減少交易費用，並可能直接在其平台上直接將用戶像USDC這樣的穩定​​股固定和轉移。

Stablecoins and blockchain-based payments continue to grow in

穩定幣和基於區塊鏈的付款繼續增長