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特爾
The de-pegging of TerraUSD (UST) in 2022 led to a cryptocurrency sector collapse, ultimately exposing fraud at FTX and elsewhere.
2022 年 TerraUSD (UST) 的脫鉤導致加密貨幣產業崩潰,最終暴露了 FTX 和其他地方的詐欺行為。
A lot has changed since then, especially as it pertains to the view conventional players in finance and funds maintain about stablecoins.
自那時以來,發生了許多變化,特別是與金融和基金領域的傳統參與者對穩定幣的看法有關。
Observers across the financial services and technology industry seem to be warming up to blockchain technology and stablecoins. For example, PayPal completed its first business payment, to EY, with its in-house stablecoin, PYUSD, on Thursday (Oct. 3).
金融服務和科技產業的觀察家似乎對區塊鏈技術和穩定幣越來越感興趣。例如,PayPal 於週四(10 月 3 日)使用其內部穩定幣 PYUSD 完成了向 EY 的第一筆商業付款。
PayPal, which also used its PYUSD token to make a business investment in blockchain company Chaos Labs in September, isn’t alone in its forays into the digital asset space. Swift announced Thursday that it will let banks test tokenized transactions on its global messaging network starting next year.
PayPal 並不是唯一一家涉足數位資產領域的公司,該公司還在 9 月使用其 PYUSD 代幣對區塊鏈公司 Chaos Labs 進行了商業投資。 Swift 週四宣布,從明年開始,銀行將在其全球訊息網路上測試代幣化交易。
Perhaps the biggest news this week was that Visa rolled out a new platform on Thursday for banks to issue fiat-backed tokens, such as stablecoins and tokenized deposits.
也許本週最大的新聞是 Visa 週四推出了一個新平台,讓銀行發行法定支持的代幣,例如穩定幣和代幣化存款。
The Visa Tokenized Asset Platform (VTAP) is designed to use the payment company’s expertise in technologies like smart contracts to let banks issue and transfer fiat-backed tokens over blockchain networks.
Visa 代幣化資產平台(VTAP)旨在利用支付公司在智慧合約等技術方面的專業知識,讓銀行透過區塊鏈網路發行和轉移法幣支援的代幣。
“Visa has been at the forefront of digital payments for nearly 60 years, and with the introduction of VTAP, we’re once again setting the pace for the industry,” Vanessa Colella, global head of innovation and digital partnerships at Visa, said in a press release.
Visa 全球創新與數位合作夥伴關係主管 Vanessa Colella 表示:「近 60 年來,Visa 一直處於數位支付領域的前沿,隨著 VTAP 的推出,我們再次引領了該行業的步伐。」新聞稿。
The involvement of major industry players like Visa and PayPal indicates a maturation of the stablecoin ecosystem. These heavyweights are not only expanding the use cases for stablecoins but also working on improving their stability and legitimacy, an effort that could mark a shift in how stablecoins are perceived and used in the broader financial world.
Visa、PayPal等主要產業參與者的參與標誌著穩定幣生態系統的成熟。這些重量級人物不僅擴大了穩定幣的用例,還致力於提高其穩定性和合法性,這項努力可能標誌著更廣泛的金融世界如何看待和使用穩定幣。
Read also: Can Stablecoins Spark Crypto Adoption Across Retail and B2B Markets?
另請閱讀:穩定幣能否激發零售和 B2B 市場的加密貨幣採用?
The Push Toward Stablecoins in B2B and Beyond
B2B 及其他領域對穩定幣的推動
Historically seen as a payment network giant in consumer payments, Visa’s ambitions with stablecoins appear firmly rooted in the B2B space. VTAP is focused on enabling banks to issue stablecoins and handle tokenized deposits, which could have implications for B2B transactions, cross-border payments and the rise of smart contracts.
Visa 歷來被視為消費者支付領域的支付網路巨頭,其穩定幣的野心似乎根植於 B2B 領域。 VTAP 致力於幫助銀行發行穩定幣並處理代幣化存款,這可能會對 B2B 交易、跨境支付和智能合約的興起產生影響。
Visa’s foray into stablecoins isn’t simply about adding another payment option for consumers but rather enabling a new level of efficiency in large-scale corporate transactions.
Visa 進軍穩定幣不僅是為了為消費者增加另一種支付選擇,而是為了將大規模企業交易的效率提高到一個新的水平。
The company’s network scale and established relationships with financial institutions worldwide place it to contribute to the stability and legitimacy of stablecoins. By enabling banks to issue their own stablecoins and integrate tokenized deposits into their systems, Visa could foster widespread adoption, reducing the risk of market panic that often leads to de-pegging events. Moreover, as banks enter the fray with their regulatory frameworks in place, the perception of stablecoins as a reputable asset class may improve.
該公司的網路規模以及與全球金融機構建立的關係使其能夠為穩定幣的穩定性和合法性做出貢獻。透過使銀行能夠發行自己的穩定幣並將代幣化存款整合到其係統中,Visa 可以促進廣泛採用,降低通常導致脫鉤事件的市場恐慌風險。此外,隨著銀行加入監管框架的競爭,穩定幣作為信譽良好的資產類別的認知可能會有所改善。
Visa’s efforts to build an infrastructure for banks to issue stablecoins could create a network effect, where stablecoins issued by trusted institutions reduce the risk of de-pegging and increase consumer trust.
Visa 為銀行發行穩定幣建立基礎設施的努力可能會產生網路效應,由受信任的機構發行的穩定幣可以降低脫鉤風險並增加消費者信任。
By addressing key pain points in B2B and cross-border transactions, smart contracts and business payments, stablecoins could emerge as a foundational part of the global financial system, all with the backing of some of the most trusted names in finance.
透過解決 B2B 和跨境交易、智能合約和商業支付中的關鍵痛點,穩定幣可能會成為全球金融體系的基礎組成部分,所有這些都得到了一些最值得信賴的金融機構的支持。
See also: Stablecoins Surge in Prominence and Utility Across FinTech Ecosystem
另請參閱:穩定幣在整個金融科技生態系統中的知名度和實用性激增
Can Scale Bring Stability and Legitimacy?
規模能帶來穩定性和合法性嗎?
PYMNTS examined the role blockchain technology plays in cross-border payments in a conversation last month with Sheraz Shere, general manager of payments and commerce at Solana Foundation.
PYMNTS 上個月在與 Solana 基金會支付和商務總經理 Sheraz Shere 的對話中探討了區塊鏈技術在跨境支付中所扮演的角色。
“Blockchain solutions and stablecoins — I don’t like to use the term crypto because this is more about FinTech — they’ve found product-market-fit in cross-border payments,” Shere said.
「區塊鏈解決方案和穩定幣——我不喜歡使用加密這個詞,因為這更多的是關於金融科技——他們在跨境支付中找到了適合市場的產品,」謝爾說。
Financial institutions are also looking at their own stablecoin options for settling transactions and streamlining internal operations. For example, J.P. Morgan Chase is involved in the exploration of blockchain and stablecoins, but its focus is primarily on wholesale banking transactions. The bank’s JPM Coin, designed for institutional clients, is a stablecoin that helps expedite large-scale, cross-border payments and transactions between the bank and its corporate customers.
金融機構也在尋找自己的穩定幣選擇來結算交易和簡化內部運作。例如,摩根大通參與了區塊鏈和穩定幣的探索,但其重點主要是批發銀行交易。該銀行的 JPM Coin 是專為機構客戶設計的穩定幣,有助於加速銀行與其企業客戶之間的大規模跨境支付和交易。
The path to mainstream adoption of blockchain solutions will depend heavily on regulatory clarity and how well these companies can maintain their stablecoins’ pegs to underlying assets. If they succeed, stablecoins could become a permanent fixture in B2B and consumer payments.
區塊鏈解決方案的主流採用之路將在很大程度上取決於監管的清晰度以及這些公司能否很好地維持其穩定幣與基礎資產的掛鉤。如果成功,穩定幣可能會成為 B2B 和消費者支付的永久固定手段。
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