貝寶（Paypal

意見：PayPal正在為其穩定的Pyusd推出全面的主流採用，以徹底改變商家交易。根據彭博社的說法

PayPal is fully engaging in mainstream adoption for its stablecoin, PYUSD, aiming to revolutionize merchant transactions.

PayPal正在全力參與其Stablecoin Pyusd的主流採用，旨在徹底改變商家交易。

During the Fintech23 conference in San Francisco, Michelle Gill, General Manager of PayPal’s Small Business and Financial Services Group, revealed that the payment giant plans to integrate PYUSD into its bill-pay product by 2025, allowing its 20 million+ small-to-medium merchants to pay vendors seamlessly.

在舊金山舉行的FINTECH23會議上，PayPal小型企業和金融服務集團總經理Michelle Gill透露，付款巨頭計劃在2025年之前將PYUSD整合到其賬單付款產品中，允許其2000萬+小型至中級商人無需支付供應商。

Highlighting the difficulties faced by small businesses with cross-border payments, Gill posed the question, “How can we facilitate that on PYUSD rails so as not to have the currency conversion, the friction, as well as time?”

吉爾（Gill）強調了小型企業面臨的困難，吉爾提出了一個問題：“我們如何在pyusd欄杆上促進，以免貨幣轉換，摩擦和時間？”

Earlier this year, PayPal announced its intention to introduce PYUSD for Hyperwallet, facilitating global payouts to contractors and freelancers by the first half of the year. By this year, merchants can also settle checkout transactions using cryptocurrencies.

今年早些時候，PayPal宣布打算為Hyperwallet介紹Pyusd，並在今年上半年為承包商和自由職業者促進全球支出。到今年，商人還可以使用加密貨幣解決結帳交易。

“We’re trying to make blockchain technology a practical reality for spending,” said CEO Alex Chriss at the TechCrunch Session 73 event.

首席執行官Alex Chriss在TechCrunch Session 73活動中說：“我們正在努力使區塊鏈技術成為支出的實用現實。”

Recent tests, conducted by the Center for Economic Policy Research, demonstrated that using stablecoins for cross-border transactions resulted in recipients receiving 40% more in their local currency compared to traditional methods, due to faster settlement and better exchange rates.

經濟政策研究中心進行的最新測試表明，與傳統方法相比，使用Stablecoins進行跨境交易，導致接收者在本地貨幣中獲得了40％的收益，這是由於更快的結算和更好的匯率。

Moreover, PayPal’s PYUSD, backed by highly liquid assets, has already surpassed a $500 million market cap, signaling strong adoption.

此外，在高度流動資產的支持下，PayPal的Pyusd已經超過了5億美元的市值，這表明採用了強烈的採用。

Edwina Aoki, CTO of Digital Currencies at PayPal, emphasizes the potential of stablecoins to disrupt outdated payment systems like SWIFT.

PayPal的數字貨幣首席執行官Edwina Aoki強調了Stablecoins破壞Swift等過時的支付系統的潛力。

“We’re looking at the problems that exist today and how we can solve them with this technology,” Aoki said.

Aoki說：“我們正在研究今天存在的問題，以及如何通過這項技術解決它們。”

Stablecoins Like PayPal’s PYUSD The ‘iPhone Moment’ for Fintech?

像PayPal的Pyusd這樣的穩定​​幣，Fintech的“ iPhone時刻”？

Edward Woodford, Founder and CEO of Zero Hash, highlighted the rapid expansion of stablecoin accessibility: “Over the last 12 months, integrations by Nubank, Revolut, Robinhood, and PayPal have brought stablecoins to the core banking experience of close to one billion individuals.”

零哈希的創始人兼首席執行官愛德華·伍德福德（Edward Woodford）強調了Stablecoin可及性的迅速擴展：“在過去的12個月中，Nubank，Revolut，Robinhood和Paypal的集成使Stablecoins帶來了近十億個人的核心銀行銀行經驗。”

The top exec drew similarities between the iPhone’s distribution and the current reach of stablecoins like USDC and USDT.

頂級執行官在iPhone的發行版與USDC和USDT等Stablecoin的當前覆蓋範圍之間吸引了相似之處。

He explained that just as the iPhone’s widespread adoption enabled the creation of the App Store, the broad distribution of stablecoins is now fostering the development of new applications by fintech and payment companies.

他解釋說，正如iPhone的廣泛採用能夠創建App Store一樣，StableCoins的廣泛分佈現在正在促進Fintech和Payment Companies的新應用程序的開發。

“We’re at the iPhone 3GS moment for stablecoins and at the App Store moment for fintech and payments companies to build new categories and use cases on Blockchain,” stated Woodford.

伍德福德說：“我們正處於iPhone 3GS時刻的Stablecoins，以及在App Store Mist的時刻，Fintech和Payments Companies在區塊鏈上建立新的類別和用例。”

Following PayPal’s PYUSD integration into its bill-pay product by 2025, Ripple President Monica Long remarked, ” Sounds familiar”.

在2025年，PayPal將PYUSD集成到其賬單付款產品中之後，Ripple總裁Monica Long表示：“聽起來很熟悉”。

This observation signals Ripple’s own engagement in the space, especially with the recent launch of RLUSD, which saw a 37% volume surge despite recent market downturns.

這一觀察結果表明，波紋在該領域的參與度，尤其是在最近推出的RLUSD上，儘管最近的市場下降，但量增長了37％。