介紹退款協議：安全​​USDC付款的新標準

穩定的付款長期以來一直帶有收穫：一旦您發送資金，它們就消失了。沒有退款，沒有爭議的窗口

Stablecoin payments are notorious for being fast, final, and largely uncancellable. It's a tradeoff that has long flustered merchants and flummoxed users. But what if there was a way to add that crucial layer of protection to stablecoins, without disrupting their non-custodial nature?

Stablecoin的付款因快速，最終且在很大程度上是無現成的而臭名昭著。這是一個長期以來一直慌張的商人和疲憊的用戶的權衡。但是，如果有一種方法可以將這種關鍵的保護層添加到穩定的情況下，而不會破壞其非習性的性質呢？

Circle, the issuer of USDC, is setting out to do just that with the Refund Protocol—a smart contract-based system designed to bring chargebacks and dispute resolution to stablecoin transactions.

USDC的發行人Circle正著手使用退款協議（一種基於智能合約的系統）來做到這一點，旨在為Stablecoin交易帶來拒絕和爭議解決方案。

The Problem Circle Wants to Fix

問題圈想解決

Crypto is often described as digital cash—transferable, final, and largely uncancellable. For P2P payments or DeFi protocols, that's a huge asset. But in the context of e-commerce or everyday transactions, it presents a persistent problem.

加密通常被描述為數字現金 - 可轉讓，最終且在很大程度上是無效的。對於P2P付款或DEFI協議，這是一項巨大的資產。但是在電子商務或日常交易的背景下，它提出了一個持久的問題。

If a merchant ships the wrong product or a scammer collects payment but never delivers, there's usually no avenue for recovery. In traditional finance, you'd file a claim with your bank or card issuer. But in the decentralised realm, most users are simply out of luck.

如果商人運送錯誤的產品或騙子收取付款，但從未付款，通常沒有恢復途徑。在傳統金融中，您會向您的銀行或卡發行人提出索賠。但是在分散的領域中，大多數用戶只是不幸。

Circle's new protocol aims to solve that, routing payments through a smart contract where they’re held until the buyer confirms receipt. If there are problems, the buyer can request a refund, and an arbiter decides whether to release the funds to the seller or return them to the buyer.

Circle的新協議旨在解決這一問題，並通過智能合約將其付款進行路由付款，直到買方確認收據為止。如果有問題，買方可以要求退款，仲裁者決定是將資金釋放給賣方還是將其退還給買方。

How the Refund Protocol Works

退款協議的工作方式

The protocol relies on an arbiter system to resolve disputes in a trust-minimised manner. An impartial third party—selected by both parties in advance or appointed by a DAO—examines the evidence and makes the final decision. Crucially, the arbiter can only approve the payment to the seller or issue a refund to the buyer. They aren't able to redirect the funds to a different address, ensuring the system remains non-custodial throughout.

該協議依靠仲裁系統來以信任最終的方式解決爭議。由雙方提前或由DAO任命的公正第三方檢查證據並做出最終決定。至關重要的是，仲裁者只能批准向賣方付款或退款給買方。他們無法將資金重定向到另一個地址，從而確保該系統在整個過程中仍然不受監測。

For sellers who need earlier access to their funds, the protocol also includes an off-chain component. Buyers and sellers can choose to finalize their transactions early through a digital signature that is then recorded on-chain. This allows for more flexibility in payment terms while still maintaining full transparency on the blockchain.

對於需要較早訪問其資金的賣方，該協議還包括一個離鏈組件。買賣雙方可以選擇通過數字簽名儘早確定其交易，然後記錄在鏈上。這允許在付款期間更加靈活性，同時仍保持區塊鏈上的完全透明度。

Built for ERC-20 tokens, the protocol supports lockups, dispute resolution, and programmable refunds. It's designed to be used by both power users and businesses who want to process high-volume payments.

該協議專為ERC-20代幣建立，支持鎖定，爭議解決和可編程退款。它旨在由想要處理大批量付款的權力用戶和企業使用。

The Tradeoffs—and Why They Might Be Worth It

權衡 - 為什麼他們可能值得

Of course, there are tradeoffs to consider. Circle notes that the protocol will consume more gas than standard token transfers, which might increase costs for businesses running large-scale payment operations.

當然，需要考慮權衡。 Circle指出，該協議將消耗的汽油比標準令牌轉移更多，這可能會增加運營大規模支付操作的企業的成本。

It will also require users to set up a dedicated refund address in advance, which might be an obstacle for people using custodial wallets or fiat onramps to fund their transactions.

它還將要求用戶提前設置專用的退款地址，這可能是使用託管錢包或法定智能機構資助其交易的人們的障礙。

However, the benefits of the protocol could outweigh these drawbacks. Most stablecoin payment systems today lack any layer of protection for users in the event of fraud or error. This puts a burden on merchants to maintain high standards of service and creates an imbalance of risk in transactions.

但是，協議的好處可能超過這些缺點。如今，在發生欺詐或錯誤的情況下，大多數穩定的支付系統都缺乏對用戶的任何保護層。這給商人帶來了負擔，以維持高標準的服務，並造成交易風險不平衡。

Circle's Refund Protocol is designed to introduce that missing element of trustless protection, placing greater emphasis on fairness and reliability. For merchants, it could help to build trust with customers and reduce the fear of chargebacks. For users, it provides an additional safety net in case of scams or mistakes. And for the industry at large, it removes one of the last major technical obstacles to mainstream adoption of crypto payments.

Circle的退款協議旨在介紹缺少無信任保護的要素，從而更加重視公平和可靠性。對於商人來說，它可以幫助建立對客戶的信任並減少對回報的恐懼。對於用戶而言，它在造成騙局或錯誤的情況下提供了額外的安全網。對於整個行業，它消除了主流採用加密貨幣的最後一個主要技術障礙之一。

Why This Matters Now

為什麼現在很重要

As blockchain technology becomes increasingly integrated into various aspects of e-commerce and the gig economy, consumers are becoming accustomed to greater safeguards in their online transactions. Platforms like e-commerce behemoth Amazon and ride-hailing giant Uber already offer chargeback and dispute resolution services.

隨著區塊鏈技術越來越多地整合到電子商務的各個方面和零工經濟的各個方面，消費者正在習慣於在其在線交易中更大的保障措施。電子商務龐然大物亞馬遜和乘車巨頭Uber之類的平台已經提供了退款和爭議解決服務。

However, despite the rapid adoption of stablecoins for payments, most systems today lack such capabilities, leaving merchants and users with limited options in case of issues.

然而，儘管穩定股份迅速採用了付款，但如今的大多數係統都缺乏這樣的功能，而在出現問題的情況下，商人和用戶的選擇有限。

Circle's initiative marks a significant step towards introducing these crucial protections to the rapidly expanding world of stablecoin payments.

Circle的倡議標誌著將這些關鍵保護措施引入快速擴展的Stablecoin支付世界的重要一步。