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2024年9月23日,這家金融巨頭與全球領先的會計師事務所安永會計師事務所(EY)結算了發票。此次支付標誌著穩定幣如何透過提供更快、更有效率的跨國支付來改變企業對企業(B2B)交易的新篇章。
PayPal has made history by completing its first business transaction using its proprietary stablecoin, PayPal USD (PYUSD). On September 23, 2024, the financial giant settled an invoice with Ernst & Young (EY), a leading global accounting firm, using PYUSD. This marks a significant step in how stablecoins can revolutionize business-to-business (B2B) transactions, particularly cross-border payments.
PayPal 使用其專有的穩定幣 PayPal USD (PYUSD) 完成了第一筆商業交易,創造了歷史。 2024年9月23日,這家金融巨頭使用PYUSD與全球領先的會計師事務所安永會計師事務所(EY)結算了發票。這標誌著穩定幣徹底改變企業對企業(B2B)交易(尤其是跨國支付)的重要一步。
PayPal introduced PYUSD in 2023 as a stablecoin pegged to the US dollar to facilitate seamless transactions in the digital economy. Stablecoins are digital currencies designed to maintain a consistent value backed by reserve assets, such as fiat currencies. Unlike cryptocurrencies like Bitcoin or Ethereum, which are highly volatile, stablecoins offer stability, making them ideal for routine transactions, especially in the enterprise sector.
PayPal 於 2023 年推出 PYUSD 作為與美元掛鉤的穩定幣,以促進數位經濟中的無縫交易。穩定幣是數位貨幣,旨在維持由法定貨幣等儲備資產支持的一致價值。與比特幣或以太坊等高度波動的加密貨幣不同,穩定幣具有穩定性,使其成為日常交易的理想選擇,尤其是在企業領域。
This move by PayPal aligns with the broader industry trend of integrating stablecoins into payment systems to enable faster, more cost-effective transfers. With PYUSD, PayPal aims to provide its users, especially businesses, with a more reliable way of settling payments.
PayPal 的這項措施符合將穩定幣整合到支付系統中以實現更快、更具成本效益的轉帳的更廣泛的行業趨勢。 PayPal 旨在透過 PYUSD 為其用戶(尤其是企業)提供更可靠的付款方式。
One of the primary benefits of stablecoins is their ability to bypass traditional financial systems, which can be slow, especially for cross-border transactions. By using PYUSD, PayPal and other businesses can reduce transaction fees and speed up payment settlements, making it easier to conduct international business.
穩定幣的主要好處之一是它們能夠繞過傳統的金融系統,而傳統的金融系統可能很慢,尤其是跨國交易。透過使用PYUSD,PayPal等企業可以降低交易費用,加快支付結算速度,更輕鬆地開展國際業務。
Stablecoins also provide greater transparency, as they operate on blockchain technology, allowing for real-time payment tracking and verification. In contrast to conventional bank transfers, which can take several days to process, stablecoin transactions are typically completed within minutes.
穩定幣還提供了更大的透明度,因為它們基於區塊鏈技術運行,允許即時支付追蹤和驗證。與可能需要幾天時間處理的傳統銀行轉帳相比,穩定幣交易通常在幾分鐘內完成。
High costs, long processing times, and limited transparency have historically plagued cross-border payments. Traditional systems often involve multiple intermediaries, each adding their own fees and delays to the process. Stablecoins like PYUSD offer a solution to these challenges by enabling faster and cheaper cross-border transactions.
高成本、長處理時間和有限的透明度歷來困擾著跨境支付。傳統系統通常涉及多個中介機構,每個中介機構都會增加自己的費用並導致流程延遲。 PYUSD 等穩定幣透過實現更快、更便宜的跨境交易為這些挑戰提供了解決方案。
This use of PYUSD for cross-border payments could pave the way for PayPal casinos and other enterprises to adopt stablecoins, especially as transactions become increasingly digital. As businesses seek to streamline their operations and reduce costs, stablecoins offer a compelling alternative to traditional financial systems.
使用 PYUSD 進行跨境支付可能為 PayPal 賭場和其他企業採用穩定幣鋪平道路,特別是在交易變得越來越數位化的情況下。隨著企業尋求簡化營運並降低成本,穩定幣為傳統金融系統提供了一個引人注目的替代方案。
PayPal's decision to use PYUSD in business payments reflects the growing importance of stablecoins in the financial industry. As stablecoins gain traction, they have the potential to disrupt not only B2B payments but also consumer transactions, remittances, and even government services. By providing a stable and secure form of digital currency, they offer a viable alternative to both traditional fiat currencies and volatile cryptocurrencies.
PayPal 決定在商業支付中使用 PYUSD 反映了穩定幣在金融業中日益增長的重要性。隨著穩定幣越來越受歡迎,它們不僅有可能擾亂 B2B 支付,還可能擾亂消費者交易、匯款,甚至政府服務。透過提供穩定且安全的數位貨幣形式,它們為傳統法定貨幣和不穩定的加密貨幣提供了可行的替代方案。
This shift toward digital currencies could also drive greater adoption of blockchain technology as more businesses and financial institutions recognize the benefits of decentralized payment systems. Blockchain offers increased transparency, security, and efficiency, making it an attractive option for businesses looking to improve their payment processes.
隨著越來越多的企業和金融機構認識到去中心化支付系統的好處,這種向數位貨幣的轉變也可能推動區塊鏈技術的更廣泛採用。區塊鏈提供了更高的透明度、安全性和效率,使其成為尋求改善支付流程的企業的有吸引力的選擇。
This transaction is just one example of PayPal's ongoing expansion into the world of digital currencies. In recent years, the company has introduced a range of cryptocurrency services, allowing users to buy, sell, and hold digital assets directly through the PayPal platform. PayPal's move into the stablecoin space with PYUSD is a natural extension of its broader strategy to integrate digital currencies into its payment ecosystem.
這筆交易只是 PayPal 不斷向數位貨幣領域擴張的一個例子。近年來,該公司推出了一系列加密貨幣服務,允許用戶直接透過PayPal平台購買、出售和持有數位資產。 PayPal 透過 PYUSD 進入穩定幣領域,是其將數位貨幣整合到其支付生態系統的更廣泛策略的自然延伸。
By offering stablecoin-based payments, PayPal is positioning itself as a leader in the digital payments revolution. The company's focus on enterprise use cases, such as B2B transactions, highlights the growing demand for digital currencies that offer the stability of fiat money with the efficiency of blockchain technology.
透過提供基於穩定幣的支付,PayPal 將自己定位為數位支付革命的領導者。該公司對 B2B 交易等企業用例的關注凸顯了對數位貨幣日益增長的需求,這些貨幣透過區塊鏈技術的效率提供法定貨幣的穩定性。
As stablecoins become more widely adopted, they have the potential to transform the way businesses conduct transactions, particularly across borders. With its stable and secure features, PYUSD could become a key player in the future of global payments, offering businesses a faster, cheaper, and more efficient alternative to traditional financial systems.
隨著穩定幣得到更廣泛的採用,它們有可能改變企業進行交易的方式,特別是跨國交易的方式。憑藉其穩定、安全的特性,PYUSD 可能成為未來全球支付的關鍵參與者,為企業提供比傳統金融系統更快、更便宜、更有效率的替代方案。
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