Visa 反壟斷案可能會讓人們重新燃起在 BSV 區塊鏈上建立競爭對手支付處理器的興趣

這個時機是有利的——隨著 Teranode 將於 2025 年初上線，Visa 反壟斷案可能會讓人們重新燃起在 BSV 區塊鏈之上構建競爭對手支付處理器的興趣。

A recent antitrust complaint filed by the U.S. Department of Justice (DOJ) against payments giant Visa (NASDAQ: V) could have implications for Bitcoin (CRYPTO: BTC) as an electronic cash system.

美國司法部 (DOJ) 最近針對支付巨頭 Visa（納斯達克股票代碼：V）提起的反壟斷訴訟可能會對作為電子現金系統的比特幣（CRYPTO：BTC）產生影響。

Here's a breakdown of what the DOJ complaint entails and how it might relate to Bitcoin:

以下是司法部投訴的具體內容以及它與比特幣的關係：

DOJ Antitrust Complaint Against Visa:

DOJ 針對 Visa 的反壟斷投訴：

The complaint, filed in a New York federal court on September 24, alleges that Visa engages in anti-competitive practices to maintain its dominance in the debit card market. It claims that Visa, which handles 60% of all U.S. debit transactions, uses exclusivity agreements, fines against partner merchants, and its vast resources to deter potential competitors.

該訴狀於 9 月 24 日向紐約聯邦法院提起，指控 Visa 從事反競爭行為，以維持其在藉記卡市場的主導地位。它聲稱，Visa 處理著美國 60% 的借記卡交易，它利用排他性協議、對合作商家的罰款以及其龐大的資源來阻止潛在的競爭對手。

According to the DOJ, these practices lead to higher customer prices, as merchants pass on the increased costs to consumers. Visa reportedly earned $18.3 billion in 2023, showing a 14% year-over-year increase in its revenue.

美國司法部表示，這些做法導致消費者價格上漲，因為商家將增加的成本轉嫁給了消費者。據報道，Visa 2023 年營收為 183 億美元，營收年增 14%。

Visa has denied the allegations, stating that it operates in a competitive market and that its practices benefit consumers by providing them with lower prices, greater convenience, and more choices.

Visa否認了這些指控，稱其在競爭激烈的市場中運營，其做法通過為消費者提供更低的價格、更大的便利和更多的選擇而使消費者受益。

Implications for Bitcoin:

對比特幣的影響：

While the DOJ complaint may not directly impact Bitcoin, it does have broader implications for the cryptocurrency's role as an electronic cash system.

雖然司法部的投訴可能不會直接影響比特幣，但它確實對加密貨幣作為電子現金系統的作用產生了更廣泛的影響。

For years, blockchain entrepreneurs and experts have worked to scale Bitcoin so it can function as a global peer-to-peer cash network, as envisioned by Satoshi Nakamoto. With Teranode scaling BSV to over a million transactions per second (TPS), the mainnet is nearing the capacity for such a system.

多年來，區塊鏈企業家和專家一直致力於擴大比特幣的規模，使其能夠像中本聰所設想的那樣充當全球點對點現金網路。隨著 Teranode 將 BSV 擴展到每秒超過一百萬筆交易 (TPS)，主網已接近此類系統的容量。

In 2023, Visa processed 212.6 billion transactions—a staggering volume. However, with Teranode, BSV will be capable of handling that transaction load in just 212,600 seconds, or 59.05 hours. This means BSV could effortlessly process all of Visa's annual transactions.

2023 年，Visa 處理了 2,126 億筆交易，數量驚人。然而，借助 Teranode，BSV 將能夠在短短 212,600 秒（即 59.05 小時）內處理該交易負載。這意味著 BSV 可以輕鬆處理 Visa 的所有年度交易。

Could Blockchain-Based Payment Systems Be on the Horizon?

基於區塊鏈的支付系統即將出現嗎？

This timing could spark renewed interest in building alternative payment processors on the BSV blockchain, especially considering Visa's alleged anti-competitive practices.

這一時機可能會重新激發人們對在 BSV 區塊鏈上建立替代支付處理器的興趣，特別是考慮到 Visa 涉嫌的反競爭行為。

If these practices are addressed, merchants may seek out new, low-fee options. And with the MNEE stablecoin eliminating the need for volatile digital currencies at the wallet level, the stage is set for a blockchain-based Visa competitor to emerge.

如果這些做法得到解決，商家可能會尋求新的低費用選擇。隨著 MNEE 穩定幣消除了錢包層面對波動性數位貨幣的需求，基於區塊鏈的 Visa 競爭對手的出現已經做好了準備。

While such an endeavor would require time and effort to build and gain adoption, the path is now clear for creating a low-cost, scalable alternative to Visa. Such a system would not only save merchants a substantial amount on transaction fees and dreaded chargebacks but also enable them to process even the smallest payments, potentially leading to an economic boom.

雖然這樣的努力需要時間和精力來建造和獲得採用，但現在創建低成本、可擴展的 Visa 替代方案的道路已經明確。這樣的系統不僅可以為商家節省大量交易費用和可怕的退款，而且還使他們能夠處理即使是最小的付款，從而有可能帶來經濟繁榮。

Here's how: When customers can make payments in USD micropayments, it opens up a whole realm of possibilities for innovation. For instance, paying a few cents to access a Wall Street Journal news article could eliminate paywalls and outdated subscription models.

具體方法如下：當客戶可以用美元小額支付進行支付時，這就開啟了整個創新的可能性。例如，支付幾美分即可存取《華爾街日報》的新聞文章，可以消除付費牆和過時的訂閱模式。

Furthermore, it would integrate many people and use cases into online and offline commerce, which are currently locked out by Visa's $0.04 minimum transaction fee. In-app payments, online tipping, and IoT machine-to-machine payments could pave the way for a new economy.

此外，它將把許多人和用例整合到線上和線下商務中，而這些商務目前被 Visa 0.04 美元的最低交易費所限制。應用程式內支付、線上小費和物聯網機器對機器支付可以為新經濟鋪平道路。

Kudos to the DOJ for considering the startups and entrepreneurs striving to compete against these giants, not to mention the merchants who must pay their hefty dues! Hopefully, the BSV blockchain will play a part in ushering in the next generation of low-fee, fast-settlement payment systems to rival the antiquated giants who have monopolized the market for far too long.

感謝司法部考慮到努力與這些巨頭競爭的新創公司和企業家，更不用說必須支付巨額會費的商人了！希望 BSV 區塊鏈將在引入下一代低費用、快速結算的支付系統方面發揮作用，以與長期壟斷市場的過時巨頭競爭。