Circle Dayments网络连接金融机构，以使用USDC，EUR和其他受监管的付款Stablecoins启用更快，更低成本和更透明的跨境支付

Circle Internet Group，Inc。是全球金融技术公司和Stablecoin市场领导者

Circle Internet Group, Inc. today announced Circle Payments Network (CPN), a massively scalable and interconnected network designed to enable faster, lower-cost, and more transparent cross-border payments.

Circle Internet Group，Inc。今天宣布了Circle Dayments Network（CPN），这是一个旨在更快，更低成本和更透明的跨境支付的大规模扩展和相互联系的网络。

Announced during an event in New York, CPN will connect financial institutions – banks, neo-banks, payment service providers, virtual asset service providers and digital wallets – and enable real-time settlement of cross-border payments using regulated stablecoins. CPN marks the next chapter in Circle’s evolution, extending beyond trusted stablecoins and developer platforms to power a globally connected payments network.

CPN在纽约举行的活动中宣布，将连接金融机构 - 银行，新银行，支付服务提供商，虚拟资产服务提供商和数字钱包 - 并可以使用受管制的stablecoins实时解决跨境支付。 CPN标记了Circle Evolution的下一章，扩展了超越受信任的Stablecoins和开发人员平台，以为全球连接的付款网络供电。

Despite improvements, cross-border payments can still take longer than one business day to settle and cost more than 6%, according to the World Bank, disproportionately impacting emerging markets and limiting their global competitiveness. These inefficiencies stem from multiple intermediaries, compliance checks, local market cut-off times, and fragmented operating hours across jurisdictions.

尽管有改善，但据世界银行称，跨境支付仍可能需要超过一个工作日才能定居和成本超过6％，这会影响新兴市场并限制其全球竞争力。这些效率低下源于多个中介机构，合规检查，当地市场截止时间以及整个司法管辖区的营业时间分散。

Designed to bring efficiencies to a fragmented cross-border payments system, CPN provides financial institutions with a modern way to move money globally with the speed, transparency, and programmability of the internet. CPN is governed by a robust framework that requires participants to meet strict eligibility standards, including licensing, AML/CFT compliance, financial risk management, and cybersecurity protocols. By leveraging USDC, EURC, and other regulated stablecoins, CPN enables seamless connectivity to domestic real-time payment systems, such as FedNow in the U.S. and Faster Payments in the U.K., while upholding the compliance, security, and trust required for financial institutions to meet their regulatory obligations.

CPN旨在提高分散的跨境支付系统的效率，为金融机构提供了一种现代的方式，可以通过互联网的速度，透明度和可编程性在全球范围内移动资金。 CPN由一个强大的框架管辖，要求参与者满足严格的资格标准，包括许可，AML/CFT合规性，财务风险管理和网络安全协议。通过利用USDC，EUR和其他受监管的Stablecoins，CPN可以使与国内实时支付系统（例如美国联邦服务业的国内实时支付系统以及英国更快的付款）保持无缝的连通性，同时维护金融机构所需的合规性，安全性和信任，以履行其监管义务。

CPN will enable a broad spectrum of cross-border money movement use cases for businesses, financial institutions, and individuals — including supplier payments, remittances, payroll, capital markets settlement, internal treasury operations, and onchain financial applications. Powered by smart contract infrastructure and modular APIs, the network enables third-party developers to build advanced modules, app services, and automated financial workflows directly on top of CPN. More details about CPN are available in the CPN white paper.

CPN将为企业，金融机构和个人提供广泛的跨境货币运动用例，包括供应商付款，汇款，工资，薪资，资本市场和解，内部财政部业务和OnChain Financial应用程序。该网络由智能合同基础架构和模块化API提供支持，使第三方开发人员可以直接在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。有关CPN的更多详细信息在CPN白皮书中提供。

“We are proud to announce Circle Payments Network, a groundbreaking initiative that will transform the global payments landscape,” said Jeremy Allaire, CEO and co-founder of Circle. “In collaboration with leading banks and financial institutions, we have designed a network capable of handling the volume and velocity of payments in today’s interconnected economy.”

Circle的首席执行官兼联合创始人Jeremy Allaire说：“我们很自豪地宣布Circle Payments Network，这是一项开创性的计划，将改变全球付款环境。” “与领先的银行和金融机构合作，我们设计了一个能够处理当今经济中付款的数量和速度的网络。”

To ensure CPN is built with high standards of trust and operational integrity, Banco Santander, Deutsche Bank, Société Générale, and Standard Chartered Bank are contributing their deep expertise in global payments to assist Circle in designing a network that meets the needs of leading banks and financial institutions worldwide.

为了确保CPN具有高标准的信任和运营完整性，Banco Santander，Deutsche Bank，Sociétégénérale和标准特许银行在全球付款方面有贡献的专业知识，以帮助圈子设计满足全球领先银行和金融机构的需求的网络。

“As a leading bank in the U.S., we are excited to be working with Circle to help build and launch Circle Payments Network,” said Ben Balthazor, head of digital assets at Deutsche Bank. “We believe that this network has the potential to revolutionize the way financial institutions make cross-border payments.”

“作为美国的领先银行，我们很高兴能与Circle合作帮助建立和启动Circle Dayments Network，” Deutsche Bank数字资产负责人Ben Balthazor说。 “我们认为，该网络有可能彻底改变金融机构的跨境支付方式。”

“Banco Santander is committed to innovation in financial services and we are pleased to be supporting the development of Circle Payments Network,” said Miguel Matos, global head of treasury clients at Banco Santander. “This network will provide financial institutions with a faster, lower-cost, and more transparent way to make cross-border payments.”

Banco Santander全球财政部客户负责人Miguel Matos表示：“ Banco Santander致力于从事金融服务的创新，我们很高兴支持Circle Payments Network的发展。” “该网络将为金融机构提供更快，更低成本和更透明的方式来进行跨境支付。”

In collaboration with global design partners, CPN will unify disparate payment networks and local currencies, enabling 24/7 real-time settlement using stablecoins. Design partners include Alfred Pay, BCB Group, BVNK, CoinMENA, Coins.ph, Conduit, dLocal, dtcpay, Flutterwave, FOMO Pay, HIFI, Inswitch, Legend Trading, Nilos, Noah, Nuvei, Onafriq, OpenPayd, RD Technologies, RedotPay, TazaPay, Transfero Group, Triple-A, Trubit, Unlimit, Yellow Card, Zepz, and Zodia Markets.

与全球设计合作伙伴合作，CPN将统一不同的支付网络和本地货币，并使用StableCoins实现24/7的实时和解。 Design partners include Alfred Pay, BCB Group, BVNK, CoinMENA, Coins.ph, Conduit, dLocal, dtcpay, Flutterwave, FOMO Pay, HIFI, Inswitch, Legend Trading, Nilos, Noah, Nuvei, Onafriq, OpenPayd, RD Technologies, RedotPay, TazaPay, Transfero Group, Triple-A, Trubit,无限，黄牌，ZEPZ和Zodia市场。

Additionally, digital asset infrastructure platforms like Fireblocks are working to connect their networks of institutional customers to expand access to efficient, secure cross-border payments. This convergence lays the foundation for a more connected, programmable financial system.

此外，诸如FireBlocks之类的数字资产基础架构平台正在努力将其机构客户网络连接起来，以扩大对高效，安全的跨境支付的访问。这种融合为更连接，可编程的金融体系奠定了基础。

Circle Payments Network is a new technology service and is expected to be released in a limited capacity in May. Duly licensed financial institutions interested in becoming network participants can learn more and sign up here: https://www.circle.com.

Circle Payments Network是一项新的技术服务，预计将于5月以有限的能力发布。有兴趣成为网络参与者的正式许可的金融机构可以在此处学习并注册：https：//www.circle.com。

About Circle Internet Group, Inc.

关于Circle Internet Group，Inc。

Circle is a global financial technology company that enables businesses of all sizes to harness the power of digital currencies and public blockchains for payments, commerce, and financial applications worldwide. Circle is building the world’s largest, most-widely used, stablecoin network, and issues, through its regulated affiliates, USDC and EURC stablecoins, which are designed to maintain a stable value and facilitate efficient transactions.

Circle是一家全球金融技术公司，它使各种规模的企业能够利用数字货币和公共区块链的力量，用于全球付款，商业和财务应用。 Circle通过其受监管的分支机构，USDC和Eurc Stablecoins建立了世界上最大，最广泛的，稳定的网络，以及问题，旨在保持稳定的价值并促进有效的交易。

Circle provides a comprehensive suite of financial and technology services that empower enterprises and developers to integrate stablecoins and blockchains into their products, services and business operations. These services include fiat currency

Circle提供了一套全面的金融和技术服务套件，使企业和开发人员能够将Stablecoins和区块链整合到其产品，服务和业务运营中。这些服务包括法定货币