傳統的金融慣性阻礙了加密的採用

儘管區塊鏈技術有望徹底改變全球金融，但加密貨幣的支付在獲得吸引力的同時，仍然是整個市場的一小部分。

Petr Kozyakov, co-founder and CEO of payment infrastructure platform Mercuryo, sees trust in traditional finance, despite its inefficiencies, as creating hesitancy among businesses and regulators regarding stablecoins.

Petr Kozyakov是付款基礎設施平台Mercuryo的聯合創始人兼首席執行官，儘管其效率低下，但仍認為對傳統金融的信任是在企業和監管機構對Stablecoins的猶豫。

This observation follows a discussion on the persistent challenges faced by cryptocurrency payments in gaining mainstream adoption, despite early predictions of blockchain technology revolutionizing global finance.

該觀察結果是關於加密貨幣支付在獲得主流採用方面面臨的持續挑戰的討論，儘管有早期預測區塊鏈技術革新了全球金融。

While cryptocurrency payments are steadily increasing, they still represent a small portion of the overall market. Industry experts have pointed to a combination of traditional financial inertia, crypto price volatility, and regulatory uncertainty as key factors hindering this broader adoption.

儘管加密貨幣支付穩步增長，但它們仍然代表著整體市場的一小部分。行業專家指出，傳統的財務慣性，加密價格波動和監管不確定性是阻礙這種廣泛採用的關鍵因素。

Highlighting these challenges, Kozyakov stated, “It boils down to a mix of inertia and uncertainty. Traditional finance has been around forever and people trust it, even if it’s slow and expensive. Cryptocurrency, especially stablecoins, are still comparatively new and that makes businesses and regulators nervous.”

Kozyakov指出：“這歸結為慣性和不確定性的混合。傳統的財務一直存在，即使它緩慢而昂貴。加密貨幣，尤其是StableCoins，尤其是比較的，這仍然是新的，並且使企業和調節器緊張。”

This assessment aligns with recent reports analyzing the crypto payment landscape. Marketer Linda Roper wrote in a blog post that while some level of resistance to change is normal, it can be damaging when it stops a finance team from broadening its horizons and thinking outside the box.

該評估與分析加密支付格局的最新報告保持一致。營銷人員琳達·羅珀（Linda Roper）在博客文章中寫道，儘管某種程度的變化阻力是正常的，但是當它阻止財務團隊擴大其視野並在框外思考時，它可能會造成損害。

Moreover, a recent survey by Bitget among 1,078 Web3 users found that while users prefer crypto payments for speed, security concerns remain a key barrier.

此外，在1,078個Web3用戶中，BITGET最近進行的一項調查發現，儘管用戶更喜歡加密貨幣付費以速度付出的速度，但安全問題仍然是關鍵障礙。

Lack of a unified global regulatory framework also creates a complex landscape for businesses operating in the crypto space. However, proponents argue that the cryptocurrency payment landscape has evolved with significant advancements in security and scalability, which in turn pave the way for mainstream business adoption.

缺乏統一的全球監管框架也為在加密貨幣領域運營的企業創造了複雜的景觀。但是，支持者認為，加密貨幣支付格局在安全性和可擴展性方面的顯著進步而發展，這反過來又為主流業務採用鋪平了道路。

Kozyakov, a veteran in the payments industry, concurs and adds that the crypto space has reached a crucial turning point, fueled by technological improvements and growing user confidence.

付款行業的資深人士Kozyakov同意並補充說，加密貨幣空間已經達到了一個關鍵的轉折點，這是由於技術的改進和用戶信心的增長所推動的。

“We’re definitely getting there,” Kozyakov said, addressing the question of whether mainstream businesses can now confidently accept crypto payments. He told Bitcoin.com News about the dramatic improvements in security, particularly in Web3 protocols and custody solutions.

“我們肯定到達那裡了，”科茲亞科夫說，他解決了主流企業現在是否可以自信地接受加密貨幣的問題。他向Bitcoin.com講述了有關安全性的巨大改進，尤其是Web3協議和監護權解決方案。

“Think about how much stronger [they] are compared to five years ago, when network outages—sometimes for hours at a time—were the norm and were tolerated.”

“考慮一下與五年前相比，當網絡中斷（有時一次是幾個小時）被規範和容忍的時候。”

Kozyakov also pointed to the significant strides made in scalability, thanks to Layer 2 solutions and high-speed networks. But he said the most crucial shift is user acceptance.

Kozyakov還指出，由於第2層解決方案和高速網絡，Kozyakov在可伸縮性方面取得了重要成就。但是他說，最關鍵的轉變是用戶接受。

“People are more comfortable with digital wallets, and as education spreads, the hesitation to engage with crypto fades.”

“人們對數字錢包更加滿意，隨著教育的傳播，人們猶豫不決地與加密貨幣褪色。”

Mercuryo’s crypto integration journey has spanned several years, and the company has encountered unique challenges in promoting mainstream adoption of crypto payments.

Mercuryo的加密整合旅程已經跨越了幾年，該公司在促進主流採用加密貨幣付款方面遇到了獨特的挑戰。

Kozyakov’s insights provide valuable perspectives on the evolving landscape of cryptocurrency payments and the key factors that will shape its future. As technology continues to advance and regulatory frameworks become more defined, we can expect to see even greater integration of cryptocurrencies into the mainstream business sector.

Kozyakov的見解提供了有關加密貨幣支付不斷發展的景觀以及影響其未來的關鍵因素的寶貴觀點。隨著技術的不斷發展和監管框架變得更加明確，我們可以期望將加密貨幣更大的整合到主流商業領域。