穩定幣：彌合金融鴻溝，連接 TradFi 和加密貨幣

隨著 Ripple 宣布計劃推出一種與美元 1:1 掛鉤、由現金儲備支持並由第三方審計的穩定幣，穩定幣的採用繼續激增。該市場目前價值 1500 億美元，預計到 2028 年將超過 2.8 兆美元。PayPal 還在擴大其穩定幣產品，允許美國 Xoom 用戶將 PayPal 美元兌換成美元，以降低費用進行跨境匯款。

Stablecoins: Bridging the Gap Between Traditional Finance and Crypto

穩定幣：彌合傳統金融與加密貨幣之間的差距

The stablecoin market, a cornerstone of real-world asset (RWA) tokenization, continues to expand rapidly, attracting the attention of major players in both the traditional financial and cryptocurrency sectors. Ripple, the company behind the XRP digital asset, recently announced plans to launch its own stablecoin, pegged 1:1 to the U.S. dollar.

穩定幣市場作為現實世界資產（RWA）代幣化的基石，持續快速擴張，吸引了傳統金融和加密貨幣領域主要參與者的注意。 XRP 數位資產背後的公司 Ripple 最近宣布計劃推出自己的穩定幣，與美元 1:1 掛鉤。

This move by Ripple underscores the growing importance of stablecoins, which offer a unique combination of stability and liquidity. They derive their value from a stable asset, typically a fiat currency like the U.S. dollar, making them less volatile than other cryptocurrencies. This stability, coupled with the convenience of blockchain technology, has fueled their adoption for a wide range of use cases, from cross-border payments to decentralized finance (DeFi).

Ripple 的這一舉動凸顯了穩定幣日益增長的重要性，穩定幣提供了穩定性和流動性的獨特組合。它們的價值來自穩定資產，通常是美元等法定貨幣，這使得它們比其他加密貨幣波動性更小。這種穩定性加上區塊鏈技術的便利性，推動了從跨境支付到去中心化金融（DeFi）等廣泛用例的採用。

Ripple's Stablecoin: A Bridge to the XRP Ecosystem

Ripple 的穩定幣：通往 XRP 生態系統的橋樑

Ripple's stablecoin is expected to launch later this year, subject to regulatory approval. It will be fully backed by U.S. dollar deposits, short-term U.S. government treasuries, and other cash equivalents. These reserve assets will be audited by a third-party accounting firm, and Ripple will publish monthly attestations to ensure transparency and accountability.

Ripple 的穩定幣預計將於今年稍後推出，但需獲得監管部門的批准。它將得到美元存款、短期美國政府國債和其他現金等價物的全額支持。這些儲備資產將由第三方會計師事務所進行審計，Ripple 將每月發布證明以確保透明度和問責制。

Initially available on the XRP Ledger and Ethereum blockchains, Ripple plans to gradually expand the stablecoin's presence to additional blockchains and DeFi protocols. This strategic move will leverage the XRP Ledger's native capabilities, including a decentralized exchange and automated market maker, which are designed to utilize XRP as the bridge asset.

Ripple 最初在 XRP Ledger 和以太坊區塊鏈上提供，並計劃逐步將穩定幣的存在擴展到其他區塊鏈和 DeFi 協議。這項策略性措施將利用 XRP Ledger 的原生功能，包括去中心化交易所和自動化做市商，這些功能旨在利用 XRP 作為橋樑資產。

PayPal Enters the Stablecoin Arena for Cross-Border Transactions

PayPal進軍穩定幣跨境交易領域

PayPal, the global payments giant, is also making waves in the stablecoin space. The company's Xoom cross-border money transfer service now allows U.S. users to fund transfers using PayPal's own stablecoin, PayPal USD (PYUSD). This innovative feature enables Xoom users to easily convert PYUSD into USD and use it as a funding source for international remittances to over 160 countries worldwide.

全球支付巨頭PayPal也在穩定幣領域掀起波瀾。該公司的 Xoom 跨境匯款服務現在允許美國用戶使用 PayPal 自己的穩定幣 PayPal USD (PYUSD) 進行資金轉帳。這項創新功能使 Xoom 用戶能夠輕鬆地將 PYUSD 兌換成美元，並將其用作向全球 160 多個國家/地區進行國際匯款的資金來源。

According to the World Bank, the global average cost of sending a remittance of $200 is over 6%. PayPal's integration of PYUSD aims to address this issue by providing a cost-effective option for cross-border payments.

根據世界銀行的數據，匯款 200 美元的全球平均成本超過 6%。 PayPal 整合 PYUSD 旨在透過為跨境支付提供經濟高效的選擇來解決此問題。

Stablecoins: A Catalyst for Mainstream Adoption of Cryptocurrencies

穩定幣：加密貨幣主流採用的催化劑

As the stablecoin market matures, it is poised to play a pivotal role in driving mainstream adoption of cryptocurrencies. By offering a stable value, they reduce the barriers to entry for users who may be hesitant to invest in more volatile digital assets.

隨著穩定幣市場的成熟，它將在推動加密貨幣的主流採用方面發揮關鍵作用。透過提供穩定的價值，它們降低了那些可能對投資波動性較大的數位資產猶豫不決的用戶的進入障礙。

PayPal's move to integrate PYUSD into its Xoom platform demonstrates the growing acceptance of stablecoins within the traditional financial ecosystem. This integration provides a tangible use case for stablecoins, making them more accessible to a broader audience.

PayPal 將 PYUSD 整合到其 Xoom 平台的舉動表明，穩定幣在傳統金融生態系統中的接受度不斷提高。這種集成為穩定幣提供了切實的用例，使更廣泛的受眾更容易使用它們。

A Bright Future for Stablecoins

穩定幣的光明未來

The future of stablecoins looks promising, with continued growth expected in the coming years. Market projections indicate that the stablecoin market could exceed $2.8 trillion by 2028, signaling the immense potential of this asset class.

穩定幣的未來看起來充滿希望，預計未來幾年將持續成長。市場預測表明，到 2028 年，穩定幣市場可能會超過 2.8 兆美元，這表明該資產類別的巨大潛力。

As stablecoins gain wider adoption, they are likely to continue to serve as a bridge between traditional finance and crypto, fostering innovation and unlocking new opportunities for both individuals and institutions. The recent initiatives by Ripple and PayPal underscore the commitment of major players to the growth and development of the stablecoin ecosystem.

隨著穩定幣得到更廣泛的採用，它們可能會繼續充當傳統金融和加密貨幣之間的橋樑，促進創新並為個人和機構釋放新的機會。 Ripple 和 PayPal 最近的舉措凸顯了主要參與者對穩定幣生態系統成長和發展的承諾。