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近年來,世界頂級穩定幣在支付領域變得非常有利。最近,它們在跨境貿易和其他發展中的效用使它們成為數位資產領域無可否認的明星。
Top stablecoins have seen increasing use in payments, especially in cross-border trade. Now, PayPal’s move with PYUSD might pave the way for broader adoption.
頂級穩定幣在支付領域的使用越來越多,尤其是在跨境貿易中。現在,PayPal 與 PYUSD 的合作可能為更廣泛的採用鋪平道路。
World's Top Stablecoins Might Be Coming to a Gov't Transaction Near You
世界頂級穩定幣可能會在您附近進行政府交易
In recent developments, PayPal completed its first business payment using the PYUSD stablecoin to settle an invoice with Ernst & Young LLP. The payments giant completed the transaction earlier this month.
在最近的發展中,PayPal 使用 PYUSD 穩定幣完成了第一筆商業付款,以與安永會計師事務所 (Ernst & Young LLP) 結算發票。這家支付巨頭本月稍早完成了交易。
Many crypto firms took note of the development, and experts across the industry pointed out that the move marks a new era of business-to-business stablecoin use.
許多加密貨幣公司注意到了這一發展,業內專家指出,此舉標誌著企業對企業穩定幣使用的新時代。
For Ran Goldi, SVP of Payments and Network at leading institutional digital asset custody, settlement and issuance platform Fireblocks, PayPal's move is a "brave" one, considering the company's status as one of the leading fintech firms in the world.
對於領先機構數位資產託管、結算和發行平台 Fireblocks 支付和網路高級副總裁 Ran Goldi 來說,考慮到 PayPal 作為全球領先金融科技公司之一的地位,此舉是一項「勇敢」的舉措。
“We will see many other payment companies and fintech follow. That would eventually move the needle, even if by a bit, until the entire financial ecosystem adopts blockchain," Goldi projected in an exclusive with International Business Times.
「我們將看到許多其他支付公司和金融科技公司效仿。這最終將起到推動作用,即使是一點點,直到整個金融生態系統採用區塊鏈。
A Giant Leap Toward Broader B2B Stablecoin Transactions
邁向更廣泛的 B2B 穩定幣交易的巨大飛躍
Goldi revealed that the largest growing segment in the blockchain payments sector today is B2B.
Goldi 透露,當今區塊鏈支付領域成長最大的領域是 B2B。
“From our view at Fireblocks, we see that B2B payments account for 50% of total payment volume,” he added.
「從 Fireblocks 的角度來看,B2B 支付佔總支付量的 50%,」他補充道。
According to Goldi, PayPal "understands" the revolution and is "making progress toward educating its merchants to upgrade their rails."
戈爾迪表示,貝寶「理解」這場革命,並「在教育商家升級鐵路方面取得進展」。
So far, PYUSD is seventh in CoinGecko's rankings of the world's largest stablecoins by market value. With a market cap of $673.8 million (as of Sunday night), PYUSD has a long way to go before unseating Tether's USDT.
到目前為止,PYUSD 在 CoinGecko 全球最大穩定幣市值排名中排名第七。 PYUSD 的市值為 6.738 億美元(截至週日晚上),要取代 Tether 的 USDT 還有很長的路要走。
Still, PayPal's standing as a leader in global payments is a boon for suppliers who may still have trust issues when it comes to digital currencies.
儘管如此,PayPal 作為全球支付領域領導者的地位對於在數位貨幣方面可能仍有信任問題的供應商來說是一個福音。
The Challenges in B2B Stablecoin Use
B2B 穩定幣使用的挑戰
In traditional finance, there is already the issue of trust, but there are various other considerations for broader B2B stablecoin use.
在傳統金融中,已經存在信任問題,但更廣泛的 B2B 穩定幣使用還有各種其他考慮因素。
Internally, there's the matter of businesses still operating with fiat. "Zooming in, businesses still run on regular, real-world dollars, hence, they sometimes need to off-ramp from stablecoins back to dollars in their bank account," Goldi said.
在內部,有企業仍在使用法定貨幣運作的問題。戈爾迪說:“放大來看,企業仍然以常規的現實世界美元運營,因此,他們有時需要從穩定幣轉回銀行帳戶中的美元。”
Then there's regulation – a key issue in the broader blockchain and crypto space that remains a challenge for companies seeking to expand their B2B relations in the traditional financial realm.
然後是監管——更廣泛的區塊鏈和加密貨幣領域的關鍵問題,對於尋求在傳統金融領域擴大 B2B 關係的公司來說仍然是一個挑戰。
"Zooming out, the ultimate challenge is still regulation. Today's view in the U.S. is that banks do not have enough comfort to service crypto-using customers. That is still a big challenge that only legal frameworks and regulations can solve in the long term," Goldi pointed out.
「放眼來看,最終的挑戰仍然是監管。當今美國的觀點是,銀行沒有足夠的舒適度來為使用加密貨幣的客戶提供服務。從長遠來看,這仍然是一個只有法律框架和監管才能解決的巨大挑戰, 」戈爾迪指出。
The U.S. has yet to come up with a regulatory framework for digital assets. The U.S. Securities and Exchange Commission (SEC), under Chair Gary Gensler, has refused to engage in new rulemaking to come up with regulations specifically for the emerging industry.
美國尚未拿出數位資產的監管框架。在主席加里·根斯勒 (Gary Gensler) 的領導下,美國證券交易委員會 (SEC) 拒絕參與新的規則制定,以製定專門針對新興行業的法規。
Can Stablecoins Become a 'Norm' in Government?
穩定幣能否成為政府的「常態」?
Beyond business and private finance, governments are also exploring stablecoins and their possible utility in government transactions.
除了商業和私人金融之外,政府還在探索穩定幣及其在政府交易中的可能效用。
"Stablecoins are being used today by governments across the world to disburse payments to individuals (sometimes even as a purpose-bound money, operated by a smart contract). While consumers will hopefully not feel the difference, eventually, we believe all forms of money will be tokenized, it is just a natural upgrade to existing financial systems," Goldi said.
「當今世界各國政府都在使用穩定幣向個人支付(有時甚至作為一種有目的的貨幣,由智能合約操作)。雖然消費者希望不會感覺到差異,但最終我們相信所有形式的貨幣將會被標記化,這只是現有金融系統的自然升級,」戈爾迪說。
Paving the Way for Wider Adoption
為更廣泛採用鋪路
Fireblocks provides the underlying technology that issuers use to create their own stablecoins, issue blockchain wallets to their users, and manage the movement of payments, trades and other funds across the blockchain, in the most secure manner.
Fireblocks 提供了底層技術,發行者可以用它來創建自己的穩定幣、向用戶發行區塊鏈錢包,並以最安全的方式管理區塊鏈上的支付、交易和其他資金的流動。
Fireblocks already projected back in 2021 that stablecoins "represent the treasury management of the future" for companies of all shapes and sizes.
Fireblocks 早在 2021 年就預測穩定幣「代表了各種類型和規模的公司的未來財務管理」。
With a leader in the payments sector proving that stablecoins can be used in B2B transactions, it may only be a matter of time before the "stable" digital currencies become the future of payments.
隨著支付領域的領導者證明穩定幣可以用於 B2B 交易,「穩定」的數位貨幣成為支付的未來可能只是時間問題。
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