PayPal和Venmo用戶很快將能夠賺取其Stablecoin Holdings的收益率

該公司週三表示，PayPal和Venmo用戶很快將能夠賺取其Stablecoin Holdings的收益率。從今年夏天開始，客戶將獲得3.7％的年利率。

PayPal and Venmo users will soon be able to earn yield on their stablecoin holdings, the company said Wednesday.

該公司週三表示，PayPal和Venmo用戶很快將能夠賺取其Stablecoin Holdings的收益率。

Customers will earn an annual interest rate of 3.7% beginning this summer. It will be paid in the PayPal USD stablecoin (PYUSD) on their holdings of the same token. The rewards will be available to use for transacting with other users on the platform, funding international transfers, exchanging dollars or other fiat currency or to make purchases with PayPal merchants.

從今年夏天開始，客戶將獲得3.7％的年利率。它將在PayPal USD Stablecoin（Pyusd）上支付其持有的同樣令牌。這些獎勵可用於與平台上的其他用戶進行交易，資助國際轉讓，交換美元或其他法定貨幣或與Paypal商人進行購買。

PayPal launched PYUSD in 2023, making it the first major financial institution to launch a U.S. dollar-backed stablecoin. It now makes up less than 1% of the market, which is dominated primarily by Tether’s' USDT (66% of market cap) and Circle’s USDC (28%), according to CryptoQuant. The total market cap for stablecoins has grown 37% in the past year.

PayPal於2023年推出了Pyusd，這使其成為第一個推出美元支持的Stablecoin的主要金融機構。根據CryptoQuant的說法，它現在不到不到市場的1％的市場，主要由Tether的USDT（佔市值的66％）和Circle的USDC（28％）主導。在過去的一年中，Stablecoins的總市值增長了37％。

Unlike bitcoin, ether and other cryptocurrencies, stablecoins are designed to have a stable value against a non-crypto asset, usually the U.S. dollar. Historically, they're used for trading and as collateral in decentralized finance (DeFi), and stablecoins are closely watched for evidence of demand, liquidity and activity in the market. More recently, they've become more attractive as a way to offer underbanked users access to financial services. Additionally, yield-bearing stablecoins have increased in popularity.

與比特幣，以太和其他加密貨幣不同，穩定幣的設計旨在對非透明資產（通常是美元）具有穩定的價值。從歷史上看，它們用於交易，並作為分散財務（DEFI）的抵押品，並密切關注Stablecoins的市場中需求，流動性和活動的證據。最近，它們變得越來越有吸引力，可以為您提供賬單上的用戶訪問金融服務的一種方式。此外，承重穩定的穩定性在受歡迎程度上增加了。

PayPal has long maintained that as its business model lies in payments, its use of stablecoins should be focused on that function, enabling the transfer and exchange of value and purchasing goods. Others, by contrast, such as Tether and Circle, which filed earlier this month to go public, make money from interest income by holding reserves in interest-bearing assets.

PayPal長期以來一直堅持認為，由於其業務模型在於付款，因此其使用Stablecoins應該專注於該功能，從而使價值和購買商品的轉移和交換。相比之下，其他人，例如本月早些時候申請公開申請的Tether和Circle，通過將儲備金保留在利息收入資產中。

Now, in order to get users to use PYUSD within the PayPal ecosystem, the company is incentivizing them to buy the stablecoins to help get them to that step.

現在，為了讓用戶在PayPal生態系統中使用PYUSD，該公司正在激勵他們購買穩定的stablecoins，以幫助他們採取這一步驟。

"Stablecoins have the power to reshape the future of commerce as the foundation for the next generation of payments," Alex Chriss, president and CEO of PayPal, said in a statement shared with CNBC. "Combining this innovative technology with our expansive global network allows us to help all users thrive in the world economy."

PayPal總裁兼首席執行官Alex Chriss在與CNBC分享的聲明中說：“ Stablecoins有權重塑商業的未來作為下一代付款的基礎。” “將這種創新技術與我們廣泛的全球網絡相結合，使我們能夠幫助所有用戶在世界經濟中蓬勃發展。”

PayPal is committed "to an innovative, commerce-ready ecosystem by enabling it for the settlement of cross border transfers, vendor payments and in the future for additional payment use cases like payouts and bill pay," he added.

他補充說。