支付龐然大物貝寶（Paypal）計劃在其PayPal USD Stablecoin中提供3.7％的餘額收益率。

根據彭博社4月23日的一份報告，貝寶代表說，該措施旨在鼓勵對公司的穩定使用。

PayPal plans to offer a 3.7% yield on balances held in its PayPal USD stablecoin to encourage more usage of its coin, according to a Monday, April 23 report by Bloomberg.

PayPal計劃根據4月23日星期一的彭博社報告說，在其PayPal USD Stablecoin中持有的餘額提供3.7％的收益率，以鼓勵更多使用硬幣。

The report also notes that the company is planning to launch this summer.

該報告還指出，該公司計劃在今年夏天啟動。

The program will reward users with PYUSD for holding the stablecoin in their account. Users will be able to exchange PYUSD for fiat currency, spend it or send it to other users. Rewards will accrue daily and will be paid out on a monthly basis. The company hopes this feature will lead to a higher predominance of stablecoin and crypto payments on its platform.

該計劃將獎勵用Pyusd用戶將Stablecoin持有其帳戶中的用戶。用戶將能夠將PYUSD換成法定貨幣，將其花費或將其發送給其他用戶。獎勵將每天積累，並每月支付。該公司希望此功能將導致平台上Stablecoin和Crypto付款的占主導地位。

The report comes after PayPal USD reached a $1 billion market cap in the summer of 2024. At the time of publication, the stablecoin’s market cap is nearly a quarter lower at $873.3 million.

該報告是在2024年夏天達到10億美元市值之後發表的。在發佈時，Stablecoin的市值降低了四分之一，至8.733億美元。

Tzahi Kanza, CEO of crypto investment firm Syndika, told Cointelegraph that “from a regulatory standpoint, PayPal must ensure that offering interest doesn’t cause its stablecoin to be classified as a security. “When it comes to financial risks for the users, he said that PayPal can keep its promises, and the main risk is losing the peg to the dollar rather than interest-related issues. He said:

加密投資公司Syndika首席執行官Tzahi Kanza告訴Cointelegraph，“從監管的角度來看，PayPal必須確保提供利息不會導致其穩定股份歸類為安全性。他說：

“The risk for users is slim. It’s unlikely that PayPal wouldn’t pay out the promised interest and faces no major financial risks. The primary risk is the stablecoin losing its peg to the dollar, which could impact the value of the earned interest.”

“對用戶的風險很小。貝寶不太可能不會支付承諾的利息，也不會面臨任何重大的財務風險。主要風險是穩定的穩定風險失去了釘子，這可能會影響賺取的利息的價值。”

PayPal is betting on crypto

貝寶正在押注加密貨幣

PayPal is betting on blockchain technology with its continued product development. Reports from earlier in April show that PayPal has expanded its cryptocurrency offerings to include Chainlink (LINK) and Solana (SOL), giving US-based users the ability to buy, sell and transfer the popular tokens.

PayPal通過其持續的產品開發押注區塊鏈技術。 4月初的報告顯示，PayPal將其加密貨幣產品擴展到包括Chainlink（Link）和Solana（Sol）（SOL），使我們的用戶能夠購買，出售和轉移受歡迎的代幣。

In fact, PayPal was cited by Polygon Labs CEO Marc Boiron as one of the catalysts for the stablecoin industry’s rapid growth in recent years. In an interview with Cointelegraph, Boiron said, “Companies like Stripe and PayPal integrating stablecoins is likely the primary catalyst for their growth.”

實際上，Polygon Labs首席執行官Marc Boiron引用了PayPal，這是近年來Stablecoin行業快速增長的催化劑之一。 Boiron在接受Cointelegraph的採訪時說：“像Stripe和Paypal這樣的公司整合Stablecoins可能是其增長的主要催化劑。”

Related: PayPal, Ernst & Young settle first corporate payment via PYUSD stablecoin

相關：PayPal，Ernst和Young Setate通過Pyusd Stablecoin首次付款

The story of PayPal USD

貝寶美元的故事

PYUSD is a US dollar-pegged stablecoin issued by Paxos Trust Company on behalf of PayPal in August 2023. At the time of the launch, PayPal became the first major payment network to launch its own stablecoin, with Venmo rolling out support in September 2023.

Pyusd是由Paxos Trust Company代表PayPal於2023年8月發行的美元穩定的Stablecoin。在啟動時，PayPal成為第一個啟動自己的StableCoin的主要支付網絡，Venmo於2023年9月推出了支持。

Each token is purportedly backed one-to-one by cash deposits, short-term US Treasury notes and similar cash-equivalent assets in accounts overseen by the New York State Department of Financial Services. Initially, PYUSD was a token compliant with the ERC-20 Ethereum standard, but has since also been deployed on Solana (SOL).

據稱，每個代幣都由現金存款，短期美國財政部票據和類似現金當量的資產在紐約州金融服務部監督的帳戶中提供一對一的支持。最初，Pyusd符合ERC-20以太坊標準的象徵性，但此後也已部署在Solana（Sol）上。

PayPal USD’s current market cap is still a far cry from the top stablecoin, Tether’s USDt (USDT). At the time of writing, CoinMarketCap data shows that USDT’s market cap stands at $145.3 billion, 17,255% higher than PYUSD’s. Kanza said that “Tether’s strength lies in its market dominance — not in its regulatory compliance, transparency, or yield” since it does not offer those. He added:

PayPal USD目前的市值與Tether's Usdt（USDT）的頂級Stablecoin相去甚遠。在撰寫本文時，CoinMarketCap數據顯示，USDT的市值為1453億美元，比Pyusd高17,255％。坎扎說：“束縛的力量在於其市場的主導地位 - 不在其監管合規性，透明度或產量上”，因為它不提供這些。他補充說：

“Tether’s vast size and market presence enable it to absorb any potential imbalances in the dollar peg. This is a significant advantage over smaller stablecoins that might struggle to maintain their peg if faced with large withdrawal volumes.”

“繫繩的規模和市場存在使其能夠吸收美元釘中的任何潛在失衡。這比較小的穩定幣是一個重要的優勢，如果面對較大的戒斷量，可能難以維持其釘子。”