貝寶（Paypal

PayPal正在推動計劃擴大其美元固定型Sta​​blecoin Pyusd的效用，旨在在2025年底將2000萬商人帶入其生態系統。

PayPal is expanding the utility of its dollar-pegged stablecoin PYUSD with plans to bring 20 million merchants into its ecosystem by 2025.

貝寶（Paypal）正在擴大其美元固定型Sta​​blecoin Pyusd的效用，併計劃在2025年之前將2000萬商人帶入其生態系統。

The company shared these updates during its investor day in New York, where executives outlined how the stablecoin is moving beyond its experimental phase.

該公司在紐約的投資者日共享了這些更新，高管概述了Stablecoin如何超越實驗階段。

PYUSD, launched last November, has a market cap of just over $700 million and has mainly been used within crypto circles despite being available through the PayPal app and Venmo. The payments giant now wants to change this by bringing the stablecoin into mainstream business applications.

Pyusd於去年11月推出，市值剛剛超過7億美元，儘管通過PayPal App和Venmo獲得了Crypto Circles中的主要使用。現在，付款巨頭希望通過將Stablecoin帶入主流業務應用程序來改變這一點。

One of the first initiatives will see PYUSD offered as an option for merchants to pay vendors through PayPal’s bill-pay product. This feature isn’t available yet but is expected to launch later in the year. The approach would allow merchants to “invite” vendors into the PayPal network for transactions.

最早的舉措之一將把Pyusd作為商人通過PayPal的賬單付款產品付款。此功能尚不可用，但預計將在今年晚些時候推出。該方法將使商人可以“邀請”供應商進入Pay​​Pal網絡進行交易。

“The thesis was: Can we facilitate that on PYUSD rails so as not to have the currency conversion, the friction, as well as time” Michelle Gill, general manager of PayPal’s small and medium enterprises line of business, said in an interview with Bloomberg.

“論文是：​​我們能否在Pyusd Rails上進行促進，以免進行貨幣轉換，摩擦以及時間。” 。

This integration effort reflects PayPal’s broader strategy to create a more unified and seamless experience across its various products.

這種集成工作反映了PayPal在其各種產品中創造更統一和無縫體驗的更廣泛策略。

“We’re viewed as still ‘these pieces of either acquisitions or products or things that we’ve done over the past’ but we’re actually bringing it together,” said PayPal CEO Alex Chriss at the investor event.

PayPal首席執行官Alex Chriss在投資者活動中說：“我們仍然被視為'這些收購，產品或我們過去所做的事情的這些部分'，但實際上我們將其匯集在一起​​。”

These updates follow a strong second quarter where total payment volume exceeded expectations, rising 11% year-over-year to $363 billion. However, net new active user additions came in below estimates.

這些更新之後是第二季度的強勁付款量超過預期，同比增長11％，達到3630億美元。但是，淨新的活躍用戶添加量低於估計值。

As part of its performance improvement plan, PayPal is aiming to grow its earnings 20% by 2027. The company also plans to make PYUSD a direct payment option on its Hyperwallet platform, which it acquired in 2018 for $400 million, before the end of the second quarter.

作為其績效改進計劃的一部分，PayPal的目標是到2027年將其收益增長20％。該公司還計劃在其Hyperwallet平台上使Pyusd成為直接付款選項，該平台在2018年以4億美元的價格收購了Pyusd，在該平台上獲得了直接付款。第二季度。

Hyperwallet specializes in facilitating mass payments to contractors, freelancers, and sellers globally.

Hyperwallet專門針對全球承包商，自由職業者和賣方的大規模支付。

PYUSD's entry into mainstream business applications marks a significant step in expanding the stablecoin's use cases beyond cryptocurrency-related transactions.

Pyusd進入主流業務應用程序是將Stablecoin用例擴展到與加密貨幣相關的交易之外的重要一步。

Earlier this year, the company announced that it had completed its first PYUSD transaction with a merchant, a milestone reached just one year after unveiling its plans for the stablecoin.

今年早些時候，該公司宣布已經完成了與商人的第一筆PYUSD交易，這是一個里程碑，在揭開了stablecoin計劃僅一年後就達到了一年。

These developments come as stablecoin legislation in the U.S. appears to be gaining clarity, with observers noting that clearer regulations could lead to thousands more entrants in this space.

這些事態發展是因為在美國的Stablecoin立法似乎正在變得清晰，觀察家指出，更清晰的法規可能會導致在這個領域中有成千上萬的參與者。

Following the investor day announcements, PayPal’s stock (PYPL) rose 4.7% in pre-market trading, reaching $77.57 from the previous close of $74.07.

在投資者日公告之後，貝寶（Paypal）的股票（PYPL）上漲了4.7％，預付市場交易，從上一批收盤價為74.07美元，達到77.57美元。