PayPal 讓美國用戶能夠使用 PayPal 美元穩定幣進行國際轉賬

PayPal 擴展了其全球匯款服務，使所有美國用戶（夏威夷除外）能夠透過其 Xoom 服務使用 PayPal 穩定幣 PayPal USD (PYUSD) 兌換的美元進行轉帳。此舉允許向 160 多個國家進行無縫且免費的跨境匯款，進一步增強 PayPal 用戶國際支付的可及性和便利性。

PayPal Enables U.S. Users to Fund International Money Transfers with PayPal USD Stablecoin

PayPal 讓美國用戶能夠使用 PayPal 美元穩定幣進行國際匯款

New York, April 4, 2023 - PayPal, a global leader in digital payments, announced today that it is expanding its cross-border money transfer services to allow all eligible U.S. users outside the state of Hawaii to utilize its native stablecoin, PayPal USD (PYUSD), as a funding source. This latest development leverages the capabilities of PayPal's Xoom platform and is designed to enhance the accessibility and affordability of international money transfers.

紐約，2023 年 4 月 4 日 - 全球數位支付領域的領導者 PayPal 今天宣布，其正在擴大其跨境匯款服務，以允許夏威夷州以外的所有符合條件的美國用戶使用其本土穩定幣 PayPal USD（ PYUSD ），作為資金來源。這項最新開發利用了 PayPal Xoom 平台的功能，旨在提高國際匯款的可及性和可負擔性。

Through Xoom, PayPal users in over 160 countries can now conveniently send funds to family and friends abroad using PYUSD, a U.S. dollar-pegged stablecoin issued and custodied by Paxos Trust Company in New York. The use of PYUSD eliminates the need to convert traditional fiat currencies into cryptocurrency, thereby reducing transaction costs and complexities.

透過 Xoom，160 多個國家的 PayPal 用戶現在可以使用 PYUSD（由紐約 Paxos Trust Company 發行和託管的與美元掛鉤的穩定幣）方便地向國外的家人和朋友發送資金。 PYUSD 的使用消除了將傳統法定貨幣轉換為加密貨幣的需要，從而降低了交易成本和複雜性。

"By introducing the option to fund cross-border money transfers with USD converted from PYUSD, Xoom now offers an easy and reliable way for U.S. users to send money abroad using PYUSD as a funding source," said PayPal.

PayPal 表示：“透過引入以 PYUSD 兌換的美元進行跨境匯款的選項，Xoom 現在為美國用戶提供了一種簡單可靠的方式，使用 PYUSD 作為資金來源向國外匯款。”

"When this option is selected, Xoom will convert the PYUSD in a U.S. user's PayPal Cryptocurrency Hub to USD currency with no crypto sale fee, and recipients will receive funds in the fiat currency selected by the sender."

「選擇此選項後，Xoom 會將美國用戶 PayPal 加密貨幣中心中的 PYUSD 轉換為美元，無需支付加密銷售費用，收款人將以寄件者選擇的法定貨幣收到資金。”

The expansion of this service allows U.S. users to send funds internationally through various methods, including transfers to a recipient's bank account, mobile wallet address, or financial institution for pickup. While transactions denominated in U.S. dollars will not incur additional currency conversion fees, those denominated in other currencies will be subject to a spread.

這項服務的擴展允許美國用戶透過各種方式進行國際匯款，包括轉帳到收款人的銀行帳戶、行動錢包地址或金融機構以供提取。雖然以美元計價的交易不會產生額外的貨幣兌換費，但以其他貨幣計價的交易將產生點差。

It is important to note that the use of PayPal USD as a funding source is currently prohibited in Hawaii due to state regulations governing the holding of cryptocurrencies.

值得注意的是，由於州政府對持有加密貨幣的監管規定，夏威夷目前禁止使用 PayPal USD 作為資金來源。

PayPal's venture into stablecoin usage reflects the growing adoption of this technology in the financial sector. Since its launch in August 2022, close to $200 million PYUSD has been issued, indicating a nascent but promising appetite for PayPal's stablecoin.

PayPal 涉足穩定幣使用反映該技術在金融領域的應用日益廣泛。自 2022 年 8 月推出以來，已發行近 2 億美元的 PYUSD，顯示人們對 PayPal 穩定幣的興趣剛剛萌芽，但前景看好。

"Our goals surrounding PYUSD are to create a stable value to maximize user confidence and ensure it had utility for commerce and payments," said Jose Fernandez da Ponte, Senior Vice President of PayPal's Digital Currency Group.

PayPal 數位貨幣集團高級副總裁 Jose Fernandez da Ponte 表示：“我們圍繞 PYUSD 的目標是創造穩定的價值，以最大限度地提高用戶信心，並確保其在商業和支付方面具有實用性。”

The news of PayPal's expanded stablecoin usage comes on the heels of recent announcements from other major players in the digital asset space. Ripple recently announced its plans to launch a U.S. dollar-backed stablecoin, while Nick van Eck, son of investment management maestro Jan van Eck, is set to launch a new U.S. dollar-backed stablecoin after securing $12 million in funding.

PayPal 擴大穩定幣使用的消息緊接在數位資產領域其他主要參與者最近發布的公告之後發布。 Ripple 最近宣布計劃推出一款美元支持的穩定幣，而投資管理大師 Jan van Eck 的兒子 Nick van Eck 在獲得 1200 萬美元融資後，也將推出一款新的美元支持的穩定幣。

As the stablecoin market continues to evolve and mature, PayPal's latest move signals its commitment to providing innovative and cost-effective solutions for international money transfers. By leveraging its existing platform and customer base, PayPal is well-positioned to capitalize on the growing demand for stablecoin-based financial services.

隨著穩定幣市場的不斷發展和成熟，PayPal 的最新舉措表明其致力於為國際匯款提供創新且經濟高效的解決方案。透過利用其現有平台和客戶群，PayPal 已做好充分準備，充分利用對基於穩定幣的金融服務不斷增長的需求。