PayPal 撤銷 NFT 保護，讓買家和賣家面臨更大的風險

PayPal 以行業不確定性為由，撤銷了對超過 10,000 美元的不可替代代幣 (NFT) 的用戶保護。此次政策更新將 NFT 排除在賣家和購買保護計畫之外，使買家和賣家面臨更大的風險。此舉正值 NFT 交易量復甦之際，但儘管 PayPal 先前曾試圖將自己打造成 NFT 盟友，但對該行業的興趣降溫是顯而易見的。

PayPal Withdraws Non-Fungible Token (NFT) Protection, Exposing Buyers and Sellers to Elevated Risk

PayPal 撤銷不可取代代幣 (NFT) 保護，使買家和賣家面臨更高的風險

Online payment behemoth PayPal (NASDAQ: PYPL) has recently announced a policy update that revokes its buyer and seller protection for non-fungible tokens (NFTs) valued at or exceeding $10,000.

線上支付巨頭 PayPal（納斯達克股票代碼：PYPL）最近宣布了一項政策更新，取消了對價值等於或超過 10,000 美元的不可替代代幣（NFT）的買家和賣家的保護。

This change, which was discreetly implemented on the PayPal website on March 21, removes NFTs from the Seller Protection Program, thus reversing a previous policy and exposing participants in NFT transactions to increased risk.

這項變更於 3 月 21 日在 PayPal 網站上謹慎實施，將 NFT 從賣家保護計畫中刪除，從而扭轉了先前的政策，並使 NFT 交易的參與者面臨更大的風險。

Under the revised policy, PayPal categorically excludes NFT sales where the transaction amount surpasses $10,000. Transactions below this threshold will continue to be covered by PayPal's protection, "unless the buyer claims it was an Unauthorized Transaction and the transaction meets all other eligibility requirements."

根據修改後的政策，PayPal明確排除交易金額超過10,000美元的NFT銷售。低於此閾值的交易將繼續受到 PayPal 的保護，“除非買家聲稱這是未經授權的交易並且該交易符合所有其他資格要求。”

Additionally, PayPal has removed all NFT transactions, irrespective of their value, from its Purchase Protection Program.

此外，PayPal 已從其購買保護計劃中刪除了所有 NFT 交易，無論其價值如何。

In a statement provided to a media outlet, a PayPal spokesperson attributed the policy revisions to the inherent risk associated with the NFT industry.

在向媒體提供的聲明中，PayPal 發言人將政策修改歸因於與 NFT 產業相關的固有風險。

"Given the uncertainty around proof of order [fulfillment] and other variables in this evolving industry, we are no longer providing buyer protection and are limiting seller protection for NFTs," the spokesperson elaborated.

「鑑於訂單證明 [履行] 的不確定性以及這個不斷發展的行業中的其他變量，我們不再為 NFT 提供買方保護，並限制賣方保護，」發言人解釋道。

Previously, PayPal's protection programs provided a safety net for NFT buyers, enabling them to seek refunds if they purchased tokens through PayPal that failed to meet their advertised description or were never delivered. Sellers could also recoup losses stemming from payment disputes or fraudulent refund requests.

此前，PayPal 的保護計劃為 NFT 買家提供了安全網，如果他們透過 PayPal 購買的代幣不符合廣告描述或從未交付，他們可以尋求退款。賣家還可以彌補因付款糾紛或欺詐性退款請求而造成的損失。

PayPal's decision to scale back its NFT protection coincides with a resurgence in NFT trading volume after a significant decline in 2023. Data from Crypto Slam reveals that since October, the NFT market has gradually rebounded as the broader digital currency market embarked on a bullish trend. However, trading volume has exhibited a downward trajectory since the start of the year.

PayPal 決定縮減 NFT 保護力度，恰逢 NFT 交易量在 2023 年大幅下降後出現回升。然而，自今年年初以來，交易量呈現下降趨勢。

PayPal's announcement also suggests a potential waning of interest in NFTs from the company, despite its previous attempts to position itself as an ally in the NFT ecosystem. In 2022, PayPal filed a patent with the United States Patent and Trademark Office (USPTO) for an NFT marketplace that would facilitate the listing and trading of tokens representing a wide range of assets, including art, music, event tickets, images, and property deeds.

PayPal 的聲明還表明，儘管該公司之前曾試圖將自己定位為 NFT 生態系統的盟友，但該公司對 NFT 的興趣可能會減弱。 2022 年，PayPal 向美國專利商標局 (USPTO) 申請了 NFT 市場專利，該市場將促進代表各種資產的代幣的上市和交易，包括藝術、音樂、活動門票、圖像和財產行為。

Despite its initial foray into the NFT space, PayPal's NFT-related initiatives have not kept pace with its continued investments in other blockchain products, such as stablecoins and digital currencies.

儘管 PayPal 最初涉足 NFT 領域，但其 NFT 相關舉措並未跟上其對穩定幣和數位貨幣等其他區塊鏈產品的持續投資步伐。

Experts and industry observers are closely monitoring PayPal's strategic shift, anticipating its implications for the broader NFT market. Some analysts speculate that PayPal's withdrawal of NFT protection could signal a broader trend of established financial institutions becoming more cautious in their approach to digital assets.

專家和產業觀察家正在密切關注 PayPal 的策略轉變，預測其對更廣泛的 NFT 市場的影響。一些分析師推測，PayPal 撤銷 NFT 保護可能預示著成熟金融機構在對待數位資產方面變得更加謹慎的更廣泛趨勢。

As the NFT industry continues to evolve and mature, it remains to be seen how this policy change by PayPal will impact the ecosystem's growth and development.

隨著NFT產業的不斷發展和成熟，PayPal的這項政策變化將如何影響生態系統的成長和發展還有待觀察。