穩定幣正在成為一種通用支付方式，基金會正在形成

所有流通中的穩定幣總價值超過 2,000 億美元——這一數字相當於紐西蘭或希臘的國內生產毛額 (GDP)

The foundation is forming for stablecoins to become a universal payment method, Chris Colson, payments expert at the Federal Reserve Bank of Atlanta, wrote in a Monday (Jan. 13) blog post.

亞特蘭大聯邦儲備銀行支付專家 Chris Colson 在周一（1 月 13 日）的部落格文章中寫道，穩定幣成為通用支付方式的基礎正在形成。

When I first heard about stablecoins, they were a niche tool for crypto traders seeking to avoid volatile price swings, Colson wrote. Today, stablecoins are moving into the mainstream and showing up in unexpected places like food delivery services, gas stations and retailers.

柯爾森寫道，當我第一次聽說穩定幣時，它們是加密貨幣交易者尋求避免價格波動的利基工具。如今，穩定幣正在進入主流，並出現在食品配送服務、加油站和零售商等意想不到的地方。

As examples of this trend, Colson pointed to retailers like Overstock, Chipotle, Whole Foods and GameStop accepting stablecoins; Stripe enabling merchants to accept USD Coin (USDC); Regal Cinema offering a 10% discount for USDC payments; Travala letting users book travel services with USDC or USDT; and Bitrefill enabling customers with gift cards purchased with stablecoins to shop at some merchants that don’t directly accept digital assets.

作為這一趨勢的例子，科爾森指出 Overstock、Chipotle、Whole Foods 和 GameStop 等零售商接受穩定幣； Stripe 讓商家能夠接受美元硬幣 (USDC)； Regal Cinema 為 USDC 付款提供 10% 折扣； Travala允許用戶使用USDC或USDT預訂旅遊服務； Bitrefill 讓使用穩定幣購買禮品卡的客戶能夠在一些不直接接受數位資產的商家購物。

So why are businesses suddenly embracing stablecoins? They reduce transaction fees, settle almost immediately and attract crypto-savvy customers, helping businesses stay competitive in a digital-first world, Colson wrote.

那為什麼企業突然擁抱穩定幣呢？科爾森寫道，它們降低了交易費用，幾乎立即結算並吸引了精通加密貨幣的客戶，幫助企業在數位優先的世界中保持競爭力。

The total value of all stablecoins in circulation exceeds $200 billion — a figure that is comparable to the gross domestic product (GDP) of New Zealand or Greece, he wrote.

他寫道，所有流通中的穩定幣總價值超過 2,000 億美元，這一數字相當於紐西蘭或希臘的國內生產毛額 (GDP)。

While the future of stablecoins as a payment method is still unfolding and uncertain, these developments are helping to establish them as a payment method, Colson wrote.

科爾森寫道，雖然穩定幣作為一種支付方式的未來仍在發展和不確定，但這些發展正在幫助將其確立為一種支付方式。

Stablecoins are emerging as a powerful tool bridging the gap between traditional financial technology and the world of cryptocurrencies, PYMNTS reported in October. Their ability to offer the efficiency and transparency of blockchain technology while providing the familiarity and stability of fiat currencies is critical for integrating blockchain-based assets into mainstream financial systems.

PYMNTS 在 10 月報導，穩定幣正在成為彌合傳統金融技術與加密貨幣世界之間差距的強大工具。它們能夠提供區塊鏈技術的效率和透明度，同時提供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。

For banks, stablecoins have emerged as a way to stand up the crypto and FinTech innovation their clients desire, FV Bank CEO Miles Paschini told PYMNTS in an interview posted Tuesday (Jan. 14).

FV 銀行執行長 Miles Paschini 在周二（1 月14 日）發布的採訪中告訴PYMNTS，對於銀行來說，穩定幣已成為支持客戶所需的加密貨幣和金融科技創新的一種方式。

This isn’t about replacing existing systems. It’s about providing an additional option, Paschini said. Where stablecoins offer superior benefits, customers will naturally gravitate toward them.

這並不是要更換現有系統。帕斯基尼說，這是為了提供額外的選擇。當穩定幣提供卓越的好處時，客戶自然會被它們所吸引。

When Stripe began allowing its merchants to accept stablecoin payments for online transactions on its platform, it saw customers from more than 70 countries make purchases with that form of payment in the first 24 hours.

當 Stripe 開始允許其商家在其平台上接受穩定幣支付進行線上交易時，發現來自 70 多個國家/地區的客戶在最初 24 小時內就使用這種支付方式進行了購買。