Circle启动了OnChain争议解决方案和$ USDC退款的退款协议！

输出：输入：广泛使用的$ USDC Stablecoin的发行人Circle刚刚推出了一项新功能，旨在提高链交易的安全性和灵活性。

Circle, the issuer of the widely used $USDC stablecoin, has just rolled out a new feature designed to heighten the security and flexibility of on-chain transactions.

Circle是广泛使用的$ USDC Stablecoin的发行人，刚刚推出了一项新功能，旨在提高链交易的安全性和灵活性。

The company has announced the launch of the Refund Protocol, a smart contract system that allows for non-custodial refunds and a mostly on-chain dispute resolution process for payments made in $USDC. The protocol might represent the next step in the evolution of how digital currencies are exchanged.

该公司宣布了启动退款协议，这是一种智能合同系统，允许非监护退款，并且主要是$ USDC付款的链上争议解决过程。该协议可能代表了数字货币如何交换的发展中的下一步。

Enhancing on-chain transaction security, in any and every way possible, seems key to reaching the “trustless” ideal proposed by early proponents of Bitcoin. Yet central to any “trustless” exchange is a vision of a world in which on-chain, and by extension off-chain, transactions can be carried out without relying on any centralized intermediary.

以任何可能的方式增强链上交易安全性似乎是达到比特币早期支持者提出的“无信任”理想的关键。然而，任何“无信任”交流的核心是一个世界的愿景，在这个世界中，可以在不依赖任何集中式中介机构的情况下进行链，并扩展链外交易。

The goal of the protocol is to enable a trust-minimized and efficient system for handling non-custodial refunds and disputes in a decentralized manner. Both of these features are important not only for the protocol’s users but also for the appearance and reality of stablecoins, which are (or ought to be) secure and transparent.

该协议的目的是启用一个信任最小和有效的系统，以分散的方式处理非监护的退款和争议。这两个功能不仅对协议的用户，而且对稳定菌的外观和现实都很重要，而稳定的stablecoins是（或应该）安全且透明的。

Enhancing Trust with Programmable Escrow and Dispute Mediation

通过可编程托管和争议调解增强信任

The protocol’s standout feature is programmable escrow. In conventional payment systems, when buyers and sellers have to resolve disputes or request a refund, they rely on banks or third-party processors. The protocol, however, replaces these intermediaries with blockchain-based solutions that are promising in their transparency and security. Thanks to smart contracts, the protocol can hold funds in escrow until any disputes tied to the transaction are resolved.

协议的出色功能是可编程的托管。在常规支付系统中，当买卖双方必须解决争议或要求退款时，他们会依靠银行或第三方处理器。但是，该协议用基于区块链的解决方案取代了这些中介机构，这些解决方案在其透明度和安全性方面有希望。得益于智能合约，该协议可以在托管中持有资金，直到解决与交易相关的任何争议。

The system of smart contracts is clear and verifiable, and it lets one see at any time where the funds are. Both parties to a transaction can see the payment progress. The system does away with the need to trust some third party, and it certainly gives one more control over the funds, even in the event of a dispute.

智能合约的系统是清晰可靠的，它可以在任何时候看到资金的时间。交易的双方都可以看到付款进度。该系统消除了信任某些第三方的需求，即使在发生争议的情况下，它肯定会提供对资金的更多控制权。

An important part of the system is the process used to resolve disputes, which Circle has designed to be managed by non-custodial arbiters. These arbiters act as neutral parties, step in when there’s a disagreement between users, and do so in a manner that ensures all resolutions are fair and transparent. Using non-custodial arbiters eliminates any potential bias or corruption that could arise with centralized mediators, and it also facilitates a sort of trustless resolution that is, in my opinion, a critical part of any system that is really trying to embody the ideals of a “banking with the unbanked” platform.

系统的一个重要部分是用于解决争议的过程，该过程旨在由非监护仲裁者管理。这些仲裁者充当中立的当事方，当用户之间存在分歧时介入，并以确保所有决议都是公平且透明的方式这样做。使用非监护仲裁员消除了可能与集中式调解人一起出现的任何潜在偏见或腐败，这也促进了一种无信任的决议，在我看来，这是任何系统中真正试图体现“与无蓄积”平台的理想的任何系统的关键部分。

Other key features of the system include:

系统的其他关键功能包括：

Early Withdrawals with Sender Approval

提前提取发送者批准

Besides having the features of escrow and dispute mediation, the protocol allows early and sender-approved withdrawals. This is especially useful in the not-so-rare instances when a buyer wants to retrieve his or her funds before a dispute has been resolved. And it is one more way the Protocol helps to ensure that transactions are fair and mutually agreed upon.

除了具有托管和争议调解的功能外，该协议还允许早期和发件人批准的提款。当买方想在解决争议之前取回其资金时，这在不那么稀有的情况下特别有用。这是协议有助于确保交易公平且相互同意的另一种方式。

This flexibility can offer a major edge over conventional systems in which getting a hold of your money—in the form of a withdrawal or refund, say—is often a protracted and legally befuddling affair. The protocol allows users to access their funds faster in times when they need them and, as with all things blockchain, with an assured level of safety and transparency that’s downright enviable.

这种灵活性可以比传统系统具有重要的优势，在传统系统中，以撤回或退款的形式获得您的钱通常是旷日持久的，通常是旷日持久的，法律上是造成的。该协议允许用户在需要的时候更快地访问其资金，并且与所有区块链一样，安全性和透明度的水平完全令人羡慕。

The protocol draws on the expertise of Inflowpay, a company that works with payments, and knows well the ins and outs of payment processing systems. Inflowpay handles payment disputes and refunds in a decentralized manner, and its knowledge and experience have been instrumental in helping Circle develop the protocol.

该协议借鉴了与付款合作并非常了解付款处理系统的Ins and Outs的专业知识。流入赛以分散的方式处理付款纠纷和退款，其知识和经验在帮助圈子制定协议方面发挥了作用。

A Step Forward for Stablecoin Payments

稳定付款的一步

For users of $USDC and other stablecoins, the protocol marks a major step forward in securing on-chain payments. Although stablecoins like $USDC have long been a trusted tool for transferring value on the blockchain, the introduction of the protocol significantly upgrades the safety and security of stablecoin transactions.

对于$ USDC和其他Stablecoins的用户，该协议标志着确保链付款的重要一步。尽管像$ USDC这样的Stablecoins长期以来一直是转移区块链价值的信任工具，但该协议的引入大大升级了Stablecoin交易的安全性和安全性。

Circle is addressing a major user concern in the crypto space—security—by providing non-custodial refunds and dispute resolution that’s trustless. The protocol has been developed in accordance with the most secure coding practices, making it a safe and efficient system. The protocol is not merely a research paper; it has already been implemented and tested within decentralized applications. We feel confident enough with the underlying code to release the protocol as an open-source project. It can be found here.

Circle正在通过提供无信任的非监护退款和争议解决方案来解决加密领域的主要用户关注。该协议是根据最安全的编码实践制定的，使其成为安全有效的系统。该协议不仅是研究论文；它已经在分散的应用程序中实施和测试。我们对基础代码充满信心，可以将协议作为开源项目发布。可以在这里找到。