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Stripe 以 11 億美元收購了 Bridge。讓我解釋一下為什麼這家公司值得關注,即使你可能從未聽說過它。
Stripe is making a big bet on stablecoins. Earlier this year, Stripe co-founders showed how to accept stablecoins on Solana via Phantom. They have also launched payment and receipt features for cryptocurrencies, enabling any U.S. merchant to accept stablecoins like USDC and settle in dollars.
Stripe 在穩定幣上下了很大的賭注。今年早些時候,Stripe 聯合創始人展示瞭如何透過 Phantom 在 Solana 上接受穩定幣。他們還推出了加密貨幣的支付和收款功能,使任何美國商家都可以接受 USDC 等穩定幣並以美元結算。
Even during bear markets, trading volumes for stablecoins continue to rise, coupled with support from efficient blockchains like Solana/Base, giving them confidence in the market adaptability of stablecoins.
即使在熊市期間,穩定幣的交易量也持續上升,再加上 Solana/Base 等高效區塊鏈的支持,讓他們對穩定幣的市場適應性充滿信心。
These will become some of the most iconic statements in financial history:
這些將成為金融史上最具代表性的聲明:
"Stablecoins are the room-temperature superconductors of financial services."
“穩定幣是金融服務的室溫超導體。”
Why did Stripe choose stablecoins?
Stripe 為什麼選擇穩定幣?
Currently, Stripe is just a payment gateway that relies on networks like Visa and Mastercard:
目前,Stripe 只是一個依賴 Visa 和 Mastercard 等網路的支付網關:
- Charging an additional fee of about 1-3%
- 收取約1-3%的額外費用
- Relying on banks and local partners
- 依賴銀行和當地合作夥伴
- Low authorization rates
- 授權率低
Stablecoins can eliminate all intermediaries, allowing Stripe to control the entire tech stack.
穩定幣可以消除所有中介機構,使 Stripe 能夠控制整個技術堆疊。
However, to enable Stripe to control the stablecoin tech stack, they need to build:
然而,為了使 Stripe 能夠控制穩定幣技術堆疊,他們需要建造:
- On/Off ramps (converting fiat to cryptocurrency)
- 開/關坡道(將法定貨幣轉換為加密貨幣)
- Stablecoin issuance (for example, Tether makes $10 billion in profit annually)
- 穩定幣發行(例如,Tether 年利潤 100 億美元)
- Complex stablecoin infrastructure (involving over 20 blockchains, more than 10 stablecoins, etc.)
- 複雜的穩定幣基礎設施(涉及20多個區塊鏈、10多個穩定幣等)
They could spend years building these, or achieve it directly through acquisition.
他們可以花費數年時間來建構這些,或直接透過收購來實現。
Introducing Bridge
橋介紹
Founded in 2022 by two successful entrepreneurs (whose previous company was acquired by Square), with the founding team including former Brex Chief Product Officer ZC Abrams and Airbnb engineer Sean. Their vision is to create various types of stablecoin APIs.
由兩位成功企業家(其先前的公司已被 Square 收購)於 2022 年創立,創始團隊包括前 Brex 首席產品長 ZC Abrams 和 Airbnb 工程師 Sean。他們的願景是創建各種類型的穩定幣 API。
Initially, they operated by helping businesses accept stablecoin payments and build stablecoin infrastructure (similar to Stripe's approach in traditional finance).
最初,他們的運作方式是幫助企業接受穩定幣支付並建立穩定幣基礎設施(類似於 Stripe 在傳統金融中的做法)。
In 2023, they secured an undisclosed seed funding round (estimated at around $18 million, led by Sequoia).
2023 年,他們獲得了一輪未公開的種子資金(估計約 1800 萬美元,由紅杉資本領投)。
Over the past two and a half years, they have developed the following APIs:
在過去兩年半的時間裡,他們開發了以下 API:
- Orchestration (On/Off ramp conversion, i.e., converting any form of dollars into another form, such as converting USDC on Solana to USD)
- 編排(On/Off 轉換,即將任何形式的美元轉換為另一種形式,例如將 Solana 上的 USDC 轉換為美元)
- Issuance (minting stablecoins and investing reserves)
- 發行(鑄造穩定幣和投資儲備)
They have completed over $5 billion in transaction volume for the following clients:
他們已為以下客戶完成了超過 50 億美元的交易額:
- Stablecoin fintech applications, such as Getdolarapp (virtual accounts provided by Leeds Bank)
- 穩定幣金融科技應用程序,例如 Getdolarapp(利茲銀行提供的虛擬帳戶)
- Global financial operations (like SpaceX and the U.S. government)
- 全球金融運作(如 SpaceX 和美國政府)
- Payment services (such as Scale_AI paying its contractors)
- 支付服務(例如 Scale_AI 向其承包商付款)
They support the operation of many on/off ramps and cryptocurrency cards.
它們支援許多進/出坡道和加密貨幣卡的操作。
Who are their competitors?
他們的競爭對手是誰?
There are many!
有許多!
- ZeroHashX (larger scale but lacks credibility)
- ZeroHashX(規模更大但缺乏可信度)
- Brale_xyz and Paxos (stablecoin issuance; Paxos assisted in issuing PayPal's PYUSD)
- Brale_xyz和Paxos(穩定幣發行;Paxos協助發行PayPal的PYUSD)
- CoinflowLabs
- CoinflowLabs
And any vendor providing on/off ramps and stablecoin infrastructure.
以及任何提供上下坡道和穩定幣基礎設施的供應商。
Why choose Bridge?
為什麼選擇橋?
- Prioritizing APIs; integrating with Stripe's tech stack
- 優先考慮 API;與 Stripe 的技術堆疊集成
- Acquiring potential competitors (e.g., integrating stablecoin fintech companies that plan to disrupt Stripe)
- 收購潛在競爭對手(例如,整合計畫顛覆 Stripe 的穩定幣金融科技公司)
- Offering complementary products (like treasury services with stablecoin issuance, BaaS with cryptocurrency acceptance)
- 提供補充產品(例如發行穩定幣的財務服務、接受加密貨幣的 BaaS)
- Sharing common investors: Sequoia and tech founders in San Francisco
- 共享共同投資者:紅杉資本與舊金山的科技創辦人
- Having a concise social media username @stablecoin
- 擁有簡潔的社群媒體使用者名稱@stablecoin
Thanks to Gizmothegizzer for the contribution.
感謝 Gizmothegizzer 的貢獻。
So, why spend $1.1 billion?
那麼,為什麼要花費 11 億美元呢?
Mainly because of the strong team—founders who have held leadership roles or worked at top startups like Airbnb, Brex, Coinbase, and Square—they are the best candidates to lead "Stripe's crypto infrastructure."
主要是因為團隊強大——創辦人曾擔任過領導職務或曾在 Airbnb、Brex、Coinbase 和 Square 等頂級新創公司工作過——他們是領導「Stripe 的加密基礎設施」的最佳人選。
Licenses, products, market appeal, and customer base
許可證、產品、市場吸引力和客戶群
I suspect this deal will be primarily equity-based rather than cash-based.
我懷疑這筆交易將主要以股權為基礎,而不是以現金為基礎。
From a strategic perspective, acquiring Bridge helps to:
從策略角度來看,收購 Bridge 有助於:
- Compete more quickly with crypto-friendly giants like BlackRock, Revolut, and PayPal
- 更快與 BlackRock、Revolut 和 PayPal 等加密貨幣友好巨頭競爭
- Achieve 24/7 operations globally; break through the limitations of localized payment systems (Stripe has faced significant challenges in expanding to long-tail markets like Asia and Latin America)
- 實現全球24/7全天候營運;突破本地化支付系統的限制(Stripe在向亞洲、拉丁美洲等長尾市場拓展時面臨重大挑戰)
What’s next for Stripe? My guess:
Stripe 的下一步是什麼?我的猜測:
→ Continue supporting on/off ramps and acceptance of cryptocurrencies, while mastering Bridge's APIs
→ 繼續支援上/下坡道和加密貨幣的接受,同時掌握 Bridge 的 API
→ Deepen the development of stablecoin infrastructure (enabling global fintech companies to launch stablecoins, and possibly even issuing their own stablecoin STUSD to fully control the ecosystem)
→ 深化穩定幣基礎設施的發展(使全球金融科技公司能夠推出穩定幣,甚至可能發行自己的穩定幣 STUSD 以完全掌控生態系統)
→ Advocate for stablecoin payments, allowing every convenience store to accept stablecoins
→ 提倡穩定幣支付,讓每家便利商店都接受穩定幣
As a stablecoin enthusiast, I believe this is good news for the cryptocurrency market:
身為穩定幣愛好者,我相信這對加密貨幣市場來說是個好消息:
- This is the largest cryptocurrency acquisition ever (more M&A activity is expected)
- 這是有史以來最大的加密貨幣收購(預計會有更多併購活動)
- It is also Stripe's largest acquisition (showing a grand vision
- 這也是Stripe最大的收購(展現了宏偉的願景
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