Visa 透過金融卡向 Coinbase 提供快速加密貨幣存款服務

很快，加密平台的用戶將能夠利用某些選定的卡片輕鬆存入或提取資金。

Payments giant Visa has announced a partnership with major crypto exchange Coinbase to facilitate faster deposits and withdrawals via debit cards.

支付巨頭 Visa 宣布與主要加密貨幣交易所 Coinbase 建立合作夥伴關係，以促進透過金融卡更快的存款和提款。

The integration will enable millions of Coinbase customers to seamlessly buy or sell crypto using debit cards and the Visa Direct network.

此次整合將使數百萬 Coinbase 客戶能夠使用借記卡和 Visa Direct 網路無縫地購買或出售加密貨幣。

Initially, the service will be available only to users in the United States and the European Union.

最初，該服務僅向美國和歐盟的用戶提供。

According to the press release, the partnership aims to enhance onboarding opportunities into the crypto space, especially considering the recent challenges in FIAT integration due to regulatory complexities.

根據新聞稿，該合作夥伴關係旨在增加進入加密貨幣領域的機會，特別是考慮到最近由於監管複雜性而導致法幣整合面臨的挑戰。

With Visa's presence, cash-outs to bank accounts and transfers to exchanges will become faster, offering traders of crypto products a new layer of convenience.

有了 Visa 的存在，向銀行帳戶提現並向交易所轉帳將變得更快，為加密產品交易者提供了新的便利。

In the EU, the partnership will adhere to the Markets in Crypto-Assets Act (MiCA) regulations, which were introduced earlier this year.

在歐盟，該合作夥伴關係將遵守今年稍早推出的加密資產市場法（MiCA）法規。

The new function will allow eligible Visa debit cardholders to "take advantage of trading opportunities day and night."

新功能將允許符合資格的 Visa 金融卡持卡人「日夜利用交易機會」。

While the specific cards that will be enabled for these rapid and cost-effective transfers are yet to be announced, it is likely that the Coinbase Card will be included.

雖然支援這些快速且經濟高效的轉帳的具體卡尚未公佈，但 Coinbase 卡很可能會被納入。

Depending on the region and partners available, there will be a maximum pre-defined trading volume.

根據可用的區域和合作夥伴，將存在最大預定義交易量。

Commenting on the news, Yanilsa Gonzalez Ore, head of Visa Direct in North America, expressed enthusiasm, stating verbatim that:

Visa Direct 北美地區負責人 Yanilsa Gonzalez Ore 在評論這一消息時表達了熱情，並逐字表示：

“We are excited to collaborate with Coinbase to help their clients’ money movement needs. The feature will add convenience and new services to the users of the exchange, however limiting itself to residents in the United States and in the European Union.”

「我們很高興與 Coinbase 合作，幫助他們的客戶滿足資金流動需求。該功能將為交易所用戶增加便利和新服務，但僅限於美國和歐盟的居民。

Coinbase Card and the other Visa and Mastercard debit cardsAs mentioned, not all Visa debit cards will be usable to interact with the crypto exchange Coinbase, but only those considered “eligible.”

Coinbase 卡以及其他 Visa 和 Mastercard 金融卡如上所述，並非所有 Visa 金融卡都可用於與加密貨幣交易所 Coinbase 進行交互，只有那些被認為「符合資格」的卡才能與 Coinbase 卡進行交互。

Clearly, the well-known Coinbase Card will be present, active for several years now and with a history of reliability behind it.

顯然，著名的 Coinbase 卡將會出現，它已經活躍了好幾年，並且有著可靠的歷史。

Instead, the debit cards of the other cryptographic exchange and those supported by the payment company Mastercard will probably be excluded.

相反，其他加密貨幣交易所的借記卡以及支付公司萬事達卡支援的借記卡可能會被排除在外。

It should be noted, however, that these last categories have experienced a phase of significant expansion in recent years, expanding their presence in the sector.

然而，應該指出的是，最後這些類別近年來經歷了一個顯著擴張的階段，擴大了它們在該行業的影響力。

As of today, we find dozens of crypto cards with which users can easily spend their digital funds at millions of physical and online retailers.

截至今天，我們發現了數十種加密卡，用戶可以使用這些卡在數百萬家實體和線上零售商處輕鬆使用數位資金。

Sometimes the competition from Coinbase also applies cheaper fees and exclusive benefits such as cashback and rewards.

有時，來自 Coinbase 的競爭還提供更便宜的費用和獨家福利，例如現金返還和獎勵。

As of today, the best Visa debit cards with which to spend crypto are those of Crypto.com, Gnosis, ThorWallet, Fina, and Etherfi.

截至目前，用於支付加密貨幣的最佳 Visa 金融卡是 Crypto.com、Gnosis、ThorWallet、Fina 和 Etherfi。

Among the cards Mastercard we see instead Bybit, Nexo, and HolyHeld as major providers.

在萬事達卡中，我們認為 Bybit、Nexo 和 HolyHeld 是主要供應商。

We remind you that obviously the use of crypto cards involves higher costs compared to the classic payment channels Swift via bank transfer (Sepa and foreign).

我們提醒您，與透過銀行轉帳（Sepa 和國外）的經典 Swift 支付管道相比，顯然使用加密卡的成本更高。

Many exchanges like Coinbase apply very low fees (sometimes none) for transfers via bank transfer, while implying longer waiting times.

像 Coinbase 這樣的許多交易所對透過銀行轉帳的轉帳收取非常低的費用（有時甚至沒有），同時意味著更長的等待時間。

The latest feature with Visa is indeed designed to simplify the work of traders and operators who aim for a quick and efficient management of capital.

Visa 的最新功能確實旨在簡化旨在快速有效地管理資本的交易者和營運商的工作。

The partnership also unlocks various integrations between decentralized finance and centralized finance.

此次合作也開啟了去中心化金融和中心化金融之間的各種整合。

The quarterly reports of the crypto exchange do not satisfy U.S. investors: COIN -20% in 5 daysOutside of Visa and debit cards, there is another recent news concerning the crypto exchange Coinbase.

加密貨幣交易所的季度報告並不能令美國投資者滿意：COIN 5天內-20％ 除了Visa和借記卡之外，最近還有另一個有關加密貨幣交易所Coinbase的消息。

On October 31, the cryptocurrency company revealed the financial data for the third quarter, with numbers below investors’ expectations.

10 月 31 日，這家加密貨幣公司公佈了第三季財務數據，數據低於投資者預期。

In particular, Coinbase recorded total revenue of 1.2 billion dollars, against the expected 1.29 billion. Earnings per share, amounting to 0.28 dollars, are strongly bear compared to the expected 0.51 dollars.

特別是，Coinbase 的總收入為 12 億美元，而預期為 12.9 億美元。每股收益為 0.28 美元，遠低於預期的 0.51 美元。

Despite this, the data remain positive, highlighting a general increase Y/Y and Q/Q in various cases. For example, the net income and net profit margin are significantly higher compared to the earnings of Q2.

儘管如此，數據仍然樂觀，凸顯了在各種情況下同比和環比普遍增長。例如，淨利潤和淨利潤率相比第二季度的利潤明顯更高。

It is also worth highlighting the improvement of Base, layer-2 of the same exchange Coinbase, which in Q3 recorded a +55% on network transactions.

另外值得強調的是同一交易所 Coinbase 的第 2 層 Base 的改進，該交易所在第三季的網路交易量增加了 55%。

The COIN stock reacted negatively to the release of Coinbase’s quarterly reports, given the failure to meet the targets set by the investors.

由於未能達到投資者設定的目標，COIN 股票對 Coinbase 季度報告的發布做出了負面反應。

In 5 days, the stock listed on the Nasdaq has lost about 20% of its value, sliding from the threshold of 220 dollars to the current 179 dollars.

5天內，該股在納斯達克上市的股價已下跌約20%，從220美元的門檻滑落至目前的179美元。

The prices are widely below the EMA 50 on 1H, 4H, and 1D time frames, highlighting the fallacy of the short-term price action.

價格在 1H、4H 和 1D 時間範圍內均遠低於 EMA 50，凸顯了短期價格走勢的謬誤。

On the weekly chart, the situation remains overall positive, considering also the outlook from the bull market.

從週線圖上看，考慮到多頭市場的前景，整體情況仍然樂觀。

In all this, we remember that Coinbase during the quarterly reports announced a buyback plan of COIN shares worth 1 billion dollars.

在這一切中，我們記得Coinbase在季度報告中宣布了價值10億美元的COIN股票回購計畫。

We expect a recovery in prices in the coming weeks, especially if Donald Trump wins in the U.S. elections tomorrow.

我們預計未來幾週價格將回升，特別是如果唐納德·川普明天在美國大選中獲勝的話。