Circle正在启动一个新的全球支付系统，该系统将简化跨境银行交易

根据4月20日的新闻稿，Circle Dayments网络将银行，金融科技公司，数字钱包和其他金融机构连接起来，以使用诸如USD Coin（USDC）和EURC（EURC）（EURC）（EURC）（EURC）（EURC）（EURC）等监管的稳定股份实现实时的跨境交易。

Circle, the issuer of USDC and EURC stablecoins, is launching a new global payments system to streamline cross-border bank transactions, according to a press release on Friday.

根据周五的新闻稿，Circle是USDC和EURC Stablecoins的发行人，它正在推出新的全球支付系统，以简化跨境银行交易。

The Circle Payments Network (CPN) will connect banks, fintech firms, digital wallets, and other financial institutions to enable real-time, cross-border transactions using regulated stablecoins like USD Coin (USDC) and EURC.

Circle Payments Network（CPN）将使用诸如USD Coin（USDC）和EURC的监管稳定股（USD Coin（USDC）和Eurc）连接银行，金融科技公司，数字钱包和其他金融机构，以实现实时的跨境交易。

Current international payments involve a chain of intermediaries, leading to slow settlement times and high fees, especially for users in emerging markets. CPN is designed to combine robust compliance standards—including KYC/AML and cybersecurity procedures—with 24/7 stablecoin settlement to address these inefficiencies.

当前的国际付款涉及一系列中介机构，导致结算时间和高费用缓慢，尤其是对于新兴市场的用户而言。 CPN旨在将强大的合规性标准（包括KYC/AML和网络安全程序）结合在一起，并与24/7 Stablecoin Settlement结合使用，以解决这些效率低下。

The system supports treasury operations, onchain financial applications, payroll, remittances, and business payments, among other use cases. Developers can also create financial tools and workflows directly on top of the network using smart contracts and modular application programming interfaces.

该系统支持国库运营，OnChain Financial应用程序，工资单，汇款和业务付款等用例。开发人员还可以使用智能合约和模块化应用程序编程接口直接在网络顶部创建财务工具和工作流程。

Circle is collaborating with partners like Banco Santander, Deutsche Bank, Société Générale, and Standard Chartered to define the network’s architecture and compliance requirements. Several other fintechs and infrastructure partners—including BCB Group, Flutterwave, dLocal, Coins.ph, Zodia Markets, and Fireblocks—are helping build out integrations and local currency access points.

Circle正在与Banco Santander，Deutsche Bank，SociétéGénérale等合作伙伴合作，并旨在定义网络的架构和合规性要求。其他几个金融科技和基础设施合作伙伴包括BCB集团，FlutterWave，Dlocal，Coins.PH，Zodia Markets和Fireblocks，都可以帮助建立集成和本地货币接入点。

“We are designing CPN to be the core backbone of a programmable, always-on financial system that the world can use and rely upon for the next 50 years,” said Paul Pirner, president of Money Transfer and Payment at Standard Chartered.

“我们将CPN设计为可以在未来50年内可以使用和依赖的可编程，始终在金融体系的核心骨干，”标准租赁公司汇款和付款总裁保罗·皮尔纳（Paul Pirner）说。

"This network will unlock new possibilities for seamless and efficient cross-border transactions, catering to the diverse needs of customers in today's interconnected world."

“该网络将为无缝和高效的跨境交易解开新的可能性，以满足当今互连世界中客户的各种需求。”

The network is expected to launch in limited capacity in May 2025, with participation open to licensed financial institutions in all major markets.

该网络预计将在2025年5月以有限的能力推出，参与向所有主要市场的许可金融机构开放。

The launch comes as Circle and other crypto companies—including Coinbase, Paxos, and BitGo—are preparing to apply for banking licenses in the US, The Wall Street Journal reported on Friday.

据《华尔街日报》报道，该发布会是随着Circle和其他加密公司（包括Coinbase，Paxos和BitGo）的准备，正准备在美国申请银行许可证。

Both crypto-native companies and established banks like Standard Chartered and Deutsche Bank are positioning themselves to increase their presence in the US crypto market as a result of changing regulatory attitudes.

随着监管态度的改变，加密本地公司和建立的银行等银行都在定位自己，以增加其在美国加密货币市场的业务。

This marks a shift compared to previous years, when US regulators discouraged banks from engaging with crypto firms.

与往年相比，这标志着美国监管机构阻止银行与加密货币公司互动的转变。