加密支付和稳定币：推动消费者和商业交易创新的双引擎

随着数字支付世界的发展，加密支付和稳定币正在成为推动消费者和商业交易创新的双引擎

Cryptocurrency and stablecoin payments are emerging as twin engines of innovation in consumer and business transactions, promising faster, cheaper and more autonomous experiences across both Main Street and Wall Street.

加密货币和稳定币支付正在成为消费者和商业交易创新的双引擎，有望在大街和华尔街提供更快、更便宜和更自主的体验。

For consumers, the allure of cryptocurrencies lies in their ability to bypass traditional financial systems, promising faster, cheaper and more autonomous transactions. This is especially appealing in an era where digital wallets and mobile banking are becoming increasingly common.

对于消费者来说，加密货币的吸引力在于它们能够绕过传统金融系统，承诺更快、更便宜和更自主的交易。在数字钱包和移动银行日益普及的时代，这一点尤其有吸引力。

On the other hand, businesses are gravitating toward stablecoins for their predictable value and compatibility with existing infrastructure. Stablecoins are pegged to fiat currencies or other assets, such as gold, and are designed to minimize price volatility. This makes them more suitable for everyday transactions and reduces the risk of losses due to price fluctuations.

另一方面，企业因其可预测的价值以及与现有基础设施的兼容性而倾向于稳定币。稳定币与法定货币或黄金等其他资产挂钩，旨在最大限度地减少价格波动。这使得它们更适合日常交易，并降低因价格波动而造成损失的风险。

Despite these differences, both consumer and business applications of crypto payments and stablecoins are being driven by a shared underlying technology: blockchain. Its transparency, security and programmability create opportunities for innovation that bridges the gap between consumer and enterprise use cases.

尽管存在这些差异，加密支付和稳定币的消费者和商业应用都是由共享的底层技术：区块链驱动的。其透明度、安全性和可编程性创造了创新机会，弥合了消费者和企业用例之间的差距。

As adoption grows and regulations evolve, the line between consumer and business use cases may blur even further. We could see the emergence of hybrid solutions, such as stablecoins that offer rewards programs or cryptocurrencies that are designed for low volatility, which would integrate these technologies into daily life.

随着采用率的增长和法规的发展，消费者和企业用例之间的界限可能会进一步模糊。我们可以看到混合解决方案的出现，例如提供奖励计划的稳定币或专为低波动性而设计的加密货币，这些解决方案会将这些技术融入日常生活中。

The Consumer Case for Crypto

加密货币的消费者案例

The world’s most popular cryptocurrency reached that new record as just the latest in a series of milestones in the wake of the pro-crypto president-elect’s victory last month. The price later broke $108,000.

上个月支持加密货币的当选总统获胜后，世界上最受欢迎的加密货币达到了这一新纪录，这只是一系列里程碑中的最新一个。随后价格突破108,000美元。

But with the surge in value has also come the need for a jump up in security.

但随着价值的激增，也需要提高安全性。

Anti-fraud security measures will be offered to Revolut’s cryptocurrency customers starting next year, news broke Tuesday (Dec. 17).

周二（12 月 17 日）有消息称，将从明年开始向 Revolut 的加密货币客户提供反欺诈安全措施。

Crypto-related convictions jumped an astonishing 267% last year, with law enforcement taking creative measures to catch scammers.

去年，随着执法部门采取创造性措施抓捕诈骗者，与加密货币相关的定罪量猛增了 267%。

The United Kingdom’s Financial Conduct Authority (FCA) is seeking public comment on its plans to improve the transparency of the country’s cryptocurrency markets.

英国金融行为监管局（FCA）正在就其提高该国加密货币市场透明度的计划征求公众意见。

The FCA recently found that 12% of U.K. adults own crypto, up from 10% in past findings.

FCA 最近发现，12% 的英国成年人拥有加密货币，高于过去调查结果的 10%。

“We want to develop a crypto regime that is fair, balanced and proportionate for all,” the FCA said in a release on Monday. “We need input from the government, our international partners, industry and consumers to help us get the future rules right.”

FCA 在周一的一份新闻稿中表示：“我们希望制定一个对所有人公平、平衡且相称的加密货币制度。” “我们需要政府、国际合作伙伴、行业和消费者的意见，以帮助我们制定正确的未来规则。”

European cryptocurrency exchange WhiteBIT has launched a debit card partnership with Visa in what the company described as “a major step in making cryptocurrency a practical choice for everyday transactions.”

欧洲加密货币交易所 WhiteBIT 与 Visa 建立了借记卡合作伙伴关系，该公司称其为“使加密货币成为日常交易的实用选择的重要一步”。

As for less practical and less every day purchases, upscale French luxury department store Printemps has announced a partnership with Binance and French FinTech company Lyzi to accept cryptocurrencies in its stores in France, becoming the first European department store to do so.

至于不太实用和不太日常的购买，法国高档奢侈品百货公司Printemps宣布与币安和法国金融科技公司Lyzi合作，在其法国商店接受加密货币，成为第一家这样做的欧洲百货公司。

Stablecoins Start Setting Up Camp Across U.S. Financial Ecosystem

稳定币开始在美国金融生态系统中扎营

While consumers enjoy the speculative and flexible nature of cryptocurrencies, businesses prioritize stablecoins for their practical advantages.

虽然消费者喜欢加密货币的投机性和灵活性，但企业优先考虑稳定币的实际优势。

Stablecoin payments infrastructure firm BVNK is expanding to the U.S. after raising $50 million. As part of the funding round, the company is opening an office in San Francisco and “establishing a presence” in New York City, BVNK said in a news release.

稳定币支付基础设施公司 BVNK 在筹集 5000 万美元后正在向美国扩张。 BVNK 在新闻稿中表示，作为本轮融资的一部分，该公司将在旧金山开设办事处，并在纽约市“建立业务”。

“Stablecoins are redefining how money moves across the world — faster, more cost-efficient and with fewer barriers,” said Jesse Hemson-Struthers, CEO of BVNK. “At BVNK, we’re building the infrastructure to make these new rails accessible to businesses everywhere, empowering them to operate at the speed of today’s economy. This funding marks the next step in our mission to transform payments for the modern world.”

BVNK 首席执行官 Jesse Hemson-Struthers 表示：“稳定币正在重新定义资金在全球范围内流动的方式——更快、更具成本效益且障碍更少。” “在 BVNK，我们正在建设基础设施，以使世界各地的企业都能使用这些新铁路，使他们能够以当今经济的速度运营。这笔资金标志着我们转变现代世界支付方式的使命又迈出了一步。”

PYMNTS on Tuesday explored how, while artificial intelligence (AI) drives automation and analytics, blockchain brings a critical layer of trust and transparency to finance operations. We noted that digital assets like stablecoins can offer treasury teams the capability to optimize cross-border payments and provide alternative payment solutions, such as for complex commercial transactions or within regions with less stable fiat currencies.

PYMNTS 周二探讨了人工智能 (AI) 推动自动化和分析的同时，区块链如何为财务运营带来关键的信任和透明度。我们注意到，稳定币等数字资产可以为财务团队提供优化跨境支付并提供替代支付解决方案的能力，例如复杂的商业交易或法定货币不太稳定的地区。

Blockchain firm Ripple announced on Monday (Dec. 16) the news that RLUSD, the organization’s USD-pegged stablecoin, had received approval from the New York State Department of Financial Services (NYDFS). On Tuesday, the stablecoin became available for use across the world’s exchanges in the latest example of rising enthusiasm in the digital asset sector.

区块链公司 Ripple 周一（12 月 16 日）宣布消息，该组织与美元挂钩的稳定币 RLUSD 已获得纽约州金融服务部（NYDFS）的批准。周二，这种稳定币开始在全球交易所使用，这是数字资产领域热情高涨的最新例子。

Also on Tuesday, the payroll/HR platform Remote announced that its clients can now pay contract workers using stablecoins. The new offering, launching initially for businesses in the U.S., allows companies to pay contractors in 69 countries with the USDC stablecoin per the introduction of stablecoin payouts via Stripe.

同样在周二，薪资/人力资源平台 Remote 宣布其客户现在可以使用稳定币向合同工支付工资。这项新服务最初面向美国企业推出，通过 Stripe 推出稳定币支付，企业可以使用 USDC 稳定币向 69 个国家的承包商付款。