穩定幣正在彌合加密貨幣和金融科技之間的差距

穩定幣市場總價值超過 1700 億美元。這是一個很大的數字。週一（10 月 21 日）有消息稱，金融科技巨頭 Stripe

Fintech giant Stripe’s recent acquisition of stablecoin platform Bridge for $1.1 billion is highlighting the growing interest of the payments sector in these digital assets. Stablecoins are cryptocurrencies pegged to a reserve asset, typically a fiat currency, to maintain a stable value. Their potential to bridge the gap between traditional FinTech and cryptocurrencies is making them an essential topic for payment professionals.

金融科技巨頭 Stripe 最近以 11 億美元收購穩定幣平台 Bridge，凸顯了支付產業對這些數位資產日益增長的興趣。穩定幣是與儲備資產（通常是法定貨幣）掛鉤的加密貨幣，以維持穩定的價值。它們彌合傳統金融科技和加密貨幣之間差距的潛力使其成為支付專業人士的重要話題。

Stablecoins offer the efficiency and transparency of blockchain technology with the familiarity and stability of fiat currencies, which is critical for integrating blockchain-based assets into mainstream financial systems. They present an optimal solution for optimizing cross-border payments and providing alternative payment options, especially for complex commercial transactions or regions with less stable fiat currencies.

穩定幣提供了區塊鏈技術的效率和透明度以及法定貨幣的熟悉性和穩定性，這對於將基於區塊鏈的資產整合到主流金融系統至關重要。他們提出了優化跨境支付並提供替代支付選擇的最佳解決方案，特別是對於複雜的商業交易或法定貨幣不太穩定的地區。

This interest is evident in recent developments. Payments infrastructure provider BVNK has joined forces with Circle, the issuer of the USDC stablecoin, to accelerate the utility of USDC for BVNK customers. Major payment providers like PayPal, Visa and Coinbase are also expanding their services.

這種興趣在最近的發展中顯而易見。支付基礎設施提供商 BVNK 已與 USDC 穩定幣發行人 Circle 聯手，以加速 BVNK 客戶對 USDC 的使用。 PayPal、Visa 和 Coinbase 等主要支付提供者也在擴展其服務。

PayPal recently completed its first business payment with its stablecoin, PYUSD, to EY. At the same time, Visa has launched a new platform for banks to issue fiat-backed tokens, including stablecoins and tokenized deposits. Additionally, Coinbase is expanding the methods for businesses to pay via its Coinbase Prime brokerage platform.

PayPal 最近使用其穩定幣 PYUSD 向安永完成了第一筆商業付款。同時，Visa 推出了一個新平台，供銀行發行法幣支持的代幣，包括穩定幣和代幣化存款。此外，Coinbase 正在擴展企業透過其 Coinbase Prime 經紀平台進行支付的方式。

Other payment providers and FinTech companies are integrating stablecoins into their platforms, enabling users to make payments or settle accounts using these assets. For instance, Stripe began allowing its merchants in the U.S. to accept USDC through their online checkout pages on Oct. 9. Within the first 24 hours, customers from over 70 countries reportedly made purchases using this payment method.

其他支付提供者和金融科技公司正在將穩定幣整合到他們的平台中，使用戶能夠使用這些資產進行支付或結算帳戶。例如，Stripe 於 10 月 9 日開始允許其美國商家透過其線上結帳頁面接受 USDC。

Stripe had initially enabled crypto payments but paused them in 2018 before announcing their return this past April.

Stripe 最初啟用了加密支付，但在 2018 年暫停，然後在今年 4 月宣布回歸。

Several stablecoins are available in the market, each with its strengths and use cases. Knowing which stablecoin is best suited to which purpose is crucial to getting the most of its usage.

市場上有多種穩定幣，每種都有其優點和用例。了解哪種穩定幣最適合哪種用途對於充分利用其用途至關重要。

For example, Tether (USDT) is the largest stablecoin by market cap, but its primary use is as a trading pair on exchanges for liquidity and stability. Its regulatory status may also cause businesses to hesitate in fully embracing it across their operations, especially as the European Union’s Markets in Crypto-Assets Regulation (MiCA) introduces tougher oversight of crypto companies.

例如，Tether（USDT）是市值最大的穩定幣，但其主要用途是作為交易所的交易對，以實現流動性和穩定性。其監管地位也可能導致企業在其業務中全面採用它猶豫不決，特別是在歐盟加密資產市場監管（MiCA）對加密公司實行更嚴格的監管的情況下。

Binance USD (BUSD), the third-largest stablecoin, is similar in makeup and use to USDT, serving a key purpose within the broader Binance crypto ecosystem for remittances and cross-border transfers that bypass traditional banking.

幣安美元（BUSD）是第三大穩定幣，其組成和用途與 USDT 類似，在更廣泛的幣安加密生態系統中發揮關鍵作用，用於繞過傳統銀行業務的匯款和跨境轉帳。

USD Coin (USDC) is the stablecoin that is finding the widest embrace among institutions for payments, remittances and reserve assets, though banks like J.P. Morgan have also created their own native tokens.

儘管摩根大通等銀行也創建了自己的原生代幣，但美元硬幣（USDC）是一種在支付、匯款和儲備資產機構中受到最廣泛歡迎的穩定幣。

In 2019, J.P. Morgan became the first major U.S. bank to introduce its own digital token for real-world use. The bank said the blockchain-based cryptocurrency was created to enable “the instantaneous transfer of payments between institutional accounts.”

2019 年，摩根大通成為第一家推出自己的數位代幣供現實世界使用的美國大型銀行。該銀行表示，基於區塊鏈的加密貨幣的創建是為了實現「機構帳戶之間的即時支付轉移」。

Stablecoins also vary in their regulatory adherence, and businesses must assess the risk and compliance requirements for each.

穩定幣的監管遵守情況也各不相同，企業必須評估每種穩定幣的風險和合規要求。