加密支付平台缓慢崛起，落后于 Apple Pay 直观的用户体验

在接受 Cointelegraph 采访时，Helio 首席执行官 Stijn Paumen 讨论了加密货币支付平台在匹配 Apple Pay 等传统支付方式的用户体验方面所面临的挑战。 Paumen 强调了比特币和以太坊的性能局限性，并强调 Solana 等第二代区块链的出现作为潜在的解决方案。 Helio 的平台支持多种加密货币，包括比特币、Solana 和 USDC，并已促成每月 3000 万美元的支付，主要是在 Web3 领域。

Cryptocurrency Payment Platforms: Emerging in the E-commerce Landscape, Yet Lagging Behind Apple Pay's User Experience

加密货币支付平台：在电子商务领域崭露头角，但落后于Apple Pay的用户体验

As the adoption of cryptocurrencies continues to gain momentum, their integration into mainstream payment platforms and retail environments is gradually expanding. However, the user experience and performance of these cryptocurrency payment platforms often fall short of established standards set by incumbents like Apple Pay.

随着加密货币的采用继续获得动力，它们与主流支付平台和零售环境的集成正在逐渐扩大。然而，这些加密货币支付平台的用户体验和性能往往达不到 Apple Pay 等现有企业设定的既定标准。

In an interview with Cointelegraph, Stijn Paumen, CEO of Helio, a growing crypto payments platform, shed light on the challenges facing the cryptocurrency payments sector. Paumen emphasized the need for cryptocurrency payment platforms to surpass the benchmark set by Apple Pay's seamless and swift payment processing.

在接受 Cointelegraph 采访时，不断发展的加密支付平台 Helio 的首席执行官 Stijn Paumen 阐述了加密货币支付行业面临的挑战。 Paumen 强调加密货币支付平台需要超越 Apple Pay 无缝且快速的支付处理设定的基准。

Apple Pay as a Benchmark for User Experience

Apple Pay 作为用户体验的基准

"I think the benchmark is Apple Pay," Paumen stated. "How are you going to beat Apple Pay, where I can just tap my phone and I've paid within three seconds?"

“我认为 Apple Pay 是基准，”Paumen 说道。 “你打算如何击败 Apple Pay，我只需轻按手机，三秒内即可付款？”

Despite advancements in blockchain technology, particularly with the emergence of newer networks like Solana, the performance and functionality of cryptocurrency payment platforms still fail to match the efficiency of traditional financial infrastructure.

尽管区块链技术取得了进步，特别是随着 Solana 等新型网络的出现，但加密货币支付平台的性能和功能仍然无法与传统金融基础设施的效率相匹配。

Bridging the Gap with Second-Generation Blockchains

用第二代区块链缩小差距

The introduction of second-generation blockchains like Solana has begun to address these limitations. However, as Paumen noted, these platforms face their own teething issues. "Now with the second generation of blockchains like Solana, even though there's a lot of talk about congestion, we actually have the engineering resources to figure it out," Paumen said.

Solana 等第二代区块链的引入已经开始解决这些限制。然而，正如波门指出的，这些平台也面临着自己的初期问题。 “现在有了像 Solana 这样的第二代区块链，尽管有很多关于拥塞的讨论，但我们实际上拥有工程资源来解决这个问题，”Paumen 说。

Helio's Mission: Enhancing Crypto Payment Accessibility

Helio 的使命：增强加密支付的可及性

Founded in March 2022 by Paumen and Jim Walker, Helio aims to address the shortcomings of crypto payments by providing a platform that enables merchants and e-commerce websites of all sizes to easily accept cryptocurrency payments. According to Paumen, Helio currently facilitates $30 million in monthly payments, primarily within the Web3 ecosystem. The platform supports a range of cryptocurrencies, including Bitcoin, Solana, USD Coin, and Ethereum-based payments.

Helio 由 Paumen 和 Jim Walker 于 2022 年 3 月创立，旨在通过提供一个平台，使各种规模的商家和电子商务网站能够轻松接受加密货币支付，从而解决加密支付的缺点。据 Paumen 称，Helio 目前每月支付 3000 万美元，主要是在 Web3 生态系统内。该平台支持一系列加密货币，包括比特币、Solana、美元硬币和基于以太坊的支付。

Notable Integrations and Ecosystem Building

值得注意的集成和生态系统建设

Helio has made significant strides in the Solana ecosystem, facilitating the sale of approximately 80,000 Solana mobile phones through its payment plugin. The platform has also integrated with popular e-commerce platforms such as Shopify and WooCommerce.

Helio 在 Solana 生态系统中取得了重大进展，通过其支付插件促进了约 80,000 部 Solana 手机的销售。该平台还与 Shopify 和 WooCommerce 等流行的电子商务平台集成。

Challenges in Mass Adoption

大规模采用的挑战

Despite these advancements, Paumen acknowledges the challenges in driving widespread adoption and mainstream integration. The need to assume crypto fluency among users remains a limiting factor. "If you have a phantom wallet and you know how to use it, you can pay on a Helio checkout with a single tap as fast as Apple Pay," Paumen explained. "But you need to assume that you're a crypto-fluent user, and that's a very small percentage."

尽管取得了这些进步，波门承认在推动广泛采用和主流融合方面面临着挑战。假设用户之间加密货币的流畅性的需要仍然是一个限制因素。 “如果你有一个幻影钱包，并且你知道如何使用它，你只需轻轻一按，就可以在 Helio 结账台上进行支付，速度与 Apple Pay 一样快，”Paumen 解释道。 “但你需要假设你是一个精通加密货币的用户，而这个比例非常小。”

Improving Onboarding and User Experience

改善入职和用户体验

To overcome these obstacles, Paumen believes that the onboarding process for crypto payments needs to be significantly improved. "We talk about this concept of crypto granny internally. What we mean is, when crypto granny buys a Bored Ape hoodie for her grandson, she needs to be able to do that without owning crypto, without even knowing what blockchain is," Paumen added.

为了克服这些障碍，Paumen 认为需要显着改进加密支付的入门流程。 “我们在内部讨论加密奶奶的概念。我们的意思是，当加密奶奶为她的孙子购买一件 Bored Ape 连帽衫时，她需要能够在不拥有加密货币的情况下做到这一点，甚至不知道区块链是什么，”Paumen 补充道。

Future Outlook and Potential Disruption

未来展望和潜在颠覆

While acknowledging the potential for established payment providers like Apple Pay to leverage their own blockchains for payment settlement, Paumen remains optimistic about the long-term prospects of a decentralized approach. "I think it's just a really powerful technology," he stated. "We're still early. The fact that Visa is partnering with Solana is a great signal, though."

尽管承认 Apple Pay 等成熟支付提供商有可能利用自己的区块链进行支付结算，但 Paumen 对去中心化方法的长期前景仍然持乐观态度。 “我认为这是一项非常强大的技术，”他说。 “我们还为时尚早。不过，Visa 与 Solana 合作的事实是一个很好的信号。”

Beyond E-commerce: Exploring New Frontiers

超越电子商务：探索新领域

While onboarding major e-commerce platforms is a key step towards mass adoption, Paumen sees promise in expanding the utility of crypto payments to streaming platforms like Vimeo and adult entertainment platforms like OnlyFans. These platforms, he believes, could potentially drive significant usage and growth for crypto payments.

虽然加入主要电子商务平台是迈向大规模采用的关键一步，但 Paumen 看到了将加密支付的实用性扩展到 Vimeo 等流媒体平台和 OnlyFans 等成人娱乐平台的希望。他认为，这些平台可能会推动加密支付的大量使用和增长。