Circle Internet Group使用USDC Stablecoin启动跨境支付网络

这家耗资600亿美元的Stablecoin背后的公司Circle Internet Group于周二宣布了新的Circle Payments Network（CPN）。

Circle Internet Group, the company behind the $60 billion USDC stablecoin, announced its new Circle Payments Network (CPN) on Tuesday. The network aims to revolutionize cross-border payments by using regulated stablecoins to enable real-time settlement of international transactions.

这家耗资600亿美元的Stablecoin背后的公司Circle Internet Group于周二宣布了新的Circle Payments Network（CPN）。该网络旨在通过使用规范的稳定币来实时结算国际交易，彻底改变跨境支付。

The announcement was made from Circle’s headquarters on the 87th floor of One World Trade Center in New York City. CEO Jeremy Allaire shared his vision for the stablecoin giant’s next move in the payments space during a launch event aimed at banks, fintech companies, payment service providers, and USDC strategic partners.

该公告是由Circle总部位于纽约市一个世界贸易中心87楼的总部。首席执行官杰里米·阿莱尔（Jeremy Allaire）在针对银行，金融科技公司，付款服务提供商和USDC战略合作伙伴的发射活动期间，分享了他对Stablecoin巨头在付款领域的下一步行动的愿景。

CPN is designed to connect various financial institutions, including banks, neo-banks, payment providers, virtual asset services, and digital wallets. It offers real-time, low-cost, and transparent settlement of international transactions using stablecoins like USDC and EURC.

CPN旨在连接各种金融机构，包括银行，新银行，付款提供商，虚拟资产服务和数字钱包。它提供实时，低成本和透明的国际交易结算，使用USDC和Eurc等稳定的交易。

Banking Partners and Industry Support

银行合作伙伴和行业支持

To ensure CPN meets high standards of trust and operational integrity, Circle has enlisted several major banks to help design the network. Banco Santander, Deutsche Bank, Société Générale, and Standard Chartered Bank are contributing their expertise in global payments.

为了确保CPN达到高标准的信任和运营完整性，Circle邀请了几家主要银行来帮助设计网络。 Banco Santander，Deutsche Bank，Sociétégénérale和Standard Charter Bank正在为全球支付方面的专业知识提供贡献。

“Circle’s compliance-first approach to building products like CPN is a game changer for how money moves across borders, and we are pleased to build on our partnership and offer them our global expertise,” said Michael Spiegel, Global Head of Transaction Banking at Standard Chartered Bank.

“ Circle的合规首先要建立CPN之类的产品，这是一款改变游戏规则的人，对于金钱如何在边界上移动，我们很高兴建立我们的合作伙伴关系并为他们提供我们的全球专业知识，”标准特许银行交易银行业务负责人Michael Spiegel说。

The network is also supported by digital asset infrastructure platforms like Fireblocks. These platforms are working to connect their networks of institutional customers to expand access to efficient, secure cross-border payments.

该网络还得到了诸如Fireblocks之类的数字资产基础架构平台的支持。这些平台正在努力将其机构客户网络连接起来，以扩展访问高效，安全的跨境支付。

Addressing Global Payment Inefficiencies

解决全球付款效率低下

Circle believes CPN addresses longstanding inefficiencies in cross-border payments. According to the World Bank, international transfers can still take longer than one business day to settle and cost more than 6%. These issues have a greater impact on emerging markets and limit their global competitiveness.

Circle认为CPN解决了跨境支付中长期效率的长期效率。根据世界银行的数据，国际转会仍然需要超过一个工作日的时间来定居，并且成本超过6％。这些问题对新兴市场产生了更大的影响，并限制了其全球竞争力。

“Since our founding, Circle’s vision has been to make moving money as simple and efficient as sending an email,” said Jeremy Allaire, Co-Founder, Chairman, and CEO of Circle. “CPN is a major step in making that vision a relevant and valuable one for businesses around the world.”

“自成立以来，Circle的愿景一直是使货币像发送电子邮件一样简单有效，” Circle的联合创始人兼首席执行官Jeremy Allaire说。 “ CPN是使该愿景成为世界各地企业相关且有价值的一步。”

Use Cases and Technical Features

用例和技术功能

CPN will enable a broad spectrum of cross-border money movement use cases. These include supplier payments, remittances, payroll, capital markets settlement, internal treasury operations, and onchain financial applications.

CPN将实现广泛的跨境货币运动用例。其中包括供应商付款，汇款，薪资，资本市场和解，内部财政运营和OnChain Financial Applications。

The network is powered by smart contract infrastructure and modular APIs. This enables third-party developers to build advanced modules, app services, and automated financial workflows directly on top of CPN.

该网络由智能合同基础架构和模块化API提供支持。这使第三方开发人员能够直接在CPN顶部构建高级模块，应用程序服务和自动化的财务工作流程。

“Circle Payments Network is a foundational layer for the always-on economy — enabling trusted institutions to move value across borders, instantly,” said Nikhil Chandhok, Chief Product and Technology Officer at Circle. “With programmable infrastructure at its core, CPN makes it possible to embed value transfer into modern financial applications in ways that weren’t feasible before.”

“ Circle Dayments Network是始终经济的基础层，使受信任的机构能够立即在边界上移动价值，” Circle首席产品和技术官Nikhil Chandhok说。 “凭借可编程的基础架构的核心，CPN使以前不可行的方式将价值转移嵌入现代财务应用中。”

Regulatory Framework

监管框架

CPN operates under a robust governance framework. Participants must meet strict eligibility standards, including licensing, AML/CFT compliance, financial risk management, and cybersecurity protocols.

CPN在强大的治理框架下运行。参与者必须符合严格的资格标准，包括许可，AML/CFT合规性，财务风险管理和网络安全协议。

By leveraging regulated stablecoins like USDC and EURC, CPN enables seamless connectivity to domestic real-time payment systems worldwide. At the same time, it upholds the compliance, security, and trust required for financial institutions to meet their regulatory obligations.

通过利用USDC和EURC（EURC）等受监管的稳定币，CPN可以无缝连接到全球的国内实时支付系统。同时，它坚持金融机构履行其监管义务所需的合规性，安全性和信任。

The launch comes at a time when new regulations around the globe are opening up the stablecoin space. Circle has shared the spotlight in this area with larger rival Tether.

发射是在全球新规定打开Stablecoin空间的时候。 Circle与较大的竞争对手系绳共享了该区域的聚光灯。

Market Context and Timing

市场环境和时机

Stablecoins have reached an adoption level where the technology could disrupt global money transfers. Venture capital firm Andreessen Horowitz recently compared this potential disruption to how WhatsApp transformed international calls.

Stablecoins已达到收养水平，该技术可能会破坏全球货币转移。风险投资公司Andreessen Horowitz最近将这种潜在的破坏与WhatsApp转换国际电话的方式进行了比较。

In recent interviews, crypto custody tech specialists Fireblocks pointed to billions already being moved by payment services providers. These providers are using stablecoins like USDC and USDT for cross-border payments.

在最近的采访中，加密货币科技专家Fireblocks指出，支付服务提供商已经移动了数十亿美元。这些提供商正在使用USDC和USDT等稳定币进行跨境支付。

The announcement comes shortly after Circle postponed its planned initial public offering (IPO) due to uncertain market conditions.

由于市场条件不确定，Circle推迟了计划的首次公开募股（IPO）之后不久。

Circle Payments Network is expected to be released in a limited capacity in May 2025.

圆圈支付网络预计将在2025年5月以有限的能力发布。