加密货币比特币和金融银行市场，虚拟货币不断增长

金融世界正在进行数字革命。多年来，银行一直在寻找使用数字化来简化流程的方法

input: Digital currencies set to revolutionize payments in 2023

输入：数字货币将在2023年革新付款

The world of finance is undergoing a digital revolution. For a number of years now banks have looked at ways to use digitization to streamline processes, enhance efficiency, and improve customer experience, with varying degrees of success. However, the future of payments is venturing beyond just digitizing banking processes; it is about digitizing money itself.

金融世界正在进行数字革命。多年来，银行一直在研究使用数字化来简化流程，提高效率并提高客户体验的方法，并取得不同程度的成功。但是，付款的未来不仅仅是数字化银行流程。这是关于将钱本身数字化。

While the concept of digital money has been around for over a decade now, 2023 is set to be the year of mass adoption. Digital money and the underlying technology, in many cases blockchain, overcome some of the key constraints of today’s payment processes – particularly around speed and availability. Digital money enables payments to be available 24/7, 365 days without any closing hours. Settlement will be near instant all around the globe and fees for cross-border remittances will be an order of magnitude lower than in today’s world of correspondent banks.

尽管数字货币的概念已经存在了十多年，但2023年将成为大规模收养的一年。数字资金和基础技术在许多情况下，区块链在许多情况下都克服了当今付款过程的一些关键限制，尤其是在速度和可用性附近。数字货币使付款可以24/7，365天无需任何闭幕式。解决方案将接近全球，跨境汇款的费用将比当今的记者银行低。

Today digital money comes in three main forms:

如今，数字资金有三种主要形式：

Central Bank Digital Currencies (CBDC)

中央银行数字货币（CBDC）

Central Bank Digital Currencies are legal tender issued by the central bank of a country and thus have all the properties of traditional money. China and India are amongst the countries already piloting CBDCs with the Euro area planning to introduce an E-Euro in 2027.

中央银行数字货币是由一个国家中央银行发行的法定货币，因此具有传统资金的所有财产。中国和印度是已经驾驶CBDC的国家之一，欧元区计划在2027年引入E-Euro。

Commercial Bank Money Tokens

商业银行货币代币

Commercial Bank Money Tokens (also sometimes called deposit tokens) are a form of digital money representing a claim against the bank issuing the token. From a bank’s perspective it is digitizing (tokenizing) the deposits a customer has at the bank and making them available in its digital form today typically on a private, permissioned blockchain.

商业银行货币令牌（有时也称为存款令牌）是一种数字货币形式，代表对发行代币的银行提出索赔。从银行的角度来看，它正在数字化（象征化）客户在银行拥有的存款，并以私人许可的区块链的形式以数字形式提供。

Fiat-backed stablecoins

菲亚特支持的stablecoins

Fiat-backed stablecoins like the US Dollar Coin (USDC) or PayPal USD (PYUSD) are a form of money issued by a private, regulated entity. These issuers get traditional money, also called FIAT, and for each dollar they receive they create one stablecoin token and use the FIAT money as collateral in the form of short-term government securities or cash holdings. Europe has a clear regulatory framework called Market in Crypto Regulation[2]

菲亚大学支持的稳定币，例如美元硬币（USDC）或PayPal USD（PYUSD）是由私人，受监管的实体发行的一种形式。这些发行人获得了传统的钱，也称为法定资金，他们每收到他们收到的每一美元，他们创建一个稳定的代币，并以短期政府证券或现金持有的形式将菲亚特钱用作抵押品。欧洲有一个明确的监管框架，称为加密法规中的市场[2]

All forms of digital money offer near-instant payment capabilities at low fees but there are important differences among them. An overview:

所有形式的数字货币都以低费用提供近乎固有的支付功能，但它们之间存在重要差异。概述：

CBDCs (Central Bank Digital Currencies) are legal tender and ideally suited as means of payment. However, as they are still in concept or pilot phase, they are not yet available for real-world use cases at scale.

CBDC（中央银行数字货币）是法定货币，非常适合作为付款方式。但是，由于它们仍处于概念或试点阶段，因此尚未大规模用于现实世界中的用例。

CBMTs (Commercial Bank Money Tokens) are a digital representation of deposits but are mostly constrained to one banking network meaning both parties, payer and payee must have an account with the same bank. This restricts the number of use cases and makes this form of money particularly relevant for intra-company transfers.

CBMTS（商业银行货币代币）是存款的数字代表，但大部分被限制在一个银行网络上，这意味着双方，付款人和收款人必须在同一银行中拥有一个帐户。这限制了用例的数量，并使这种形式的资金与公司内转移特别相关。

FIAT-backed stablecoins are the most accessible form of digital money and can be utilized in all use cases requiring near-instant payments at a global scale. With the collaterals being segregated from the assets of the issuer they in theory are even more secure than bank deposits.

菲亚族支持的稳定币是最容易获得的数字货币形式，可以在所有需要在全球范围内付款的用例中使用。从理论上讲，与发行人的资产分开的抵押品比银行存款更加安全。

Use cases for payment with digital money

用数字货币付款的用例

In particular, whenever instant money movement outside banking hours is required or cross-border payments need to be made, digital money has clear and obvious benefits.

特别是，每当需要在银行数小时以外的时间内进行即时货币移动，或者需要进行跨境支付，数字资金就会有明显而明显的收益。

One example would be cross-border supplier payments. According to Sam Bronner from the venture capital firm Andreesen Horowitz, international wire remittances cost $30 - $50 and take 1 – 5 days business days to settle. With stablecoins residing on the blockchain, transaction costs can be as low as one cent and settle within seconds. This is particularly relevant for enterprises moving into subscription models with lower amounts and more frequent payment terms.

一个例子是跨境供应商付款。根据风险投资公司安德烈森·霍洛维茨（Andreesen Horowitz）的萨姆·布朗纳（Sam Bronner）的说法，国际电线汇款的价格为30-50美元，需要1 - 5天的工作日来定居。随着稳定的稳定性居住在区块链上，交易成本可以低至一美分，并在几秒钟内定居。这对于企业涉及订阅模型的企业尤其重要，付款条款较低。

Another example is intra-company money transfers. Digital currencies are an ideal means of transferring money swiftly and without any hassle between subsidiaries and headquarters. Stablecoins, as well as commercial bank money tokens, are a good choice for this use case.

另一个例子是公司内货币转移。数字货币是迅速转移资金且在子公司和总部之间没有任何麻烦的理想方法。对于此用例，Stablecoins以及商业银行货币代币是一个不错的选择。

A third area where digital currencies can be particularly useful is in time-critical high-value payments. As companies can only book revenues upon delivery of the goods or service and reception of the corresponding payment, instant money movement is needed if a multimillion-dollar purchase is delivered to a customer on a Saturday or Sunday at the end of a quarter. Rare, though vital, large transactions like an M&A closing on a Saturday or Sunday also require immediate payment. Digital currency effectively means time no longer needs to be a major consideration for these kinds of transactions.

数字货币可能特别有用的第三个领域是时间关键的高价值支付。由于公司只能在交付货物或服务以及相应付款的接收后预订收入，因此，如果在一个季度结束时在星期六或周日交付了数百万美元的购买，就需要即时货币移动。罕见（尽管至关重要），大型交易（例如星期六或周日的并购结业）也需要立即付款。数字货币有效地意味着时间不再需要成为此类交易的主要考虑因素。

Putting the building blocks together

将构建块放在一起

Near instant payments 24/7 globally are possible today, and with the advent of technology like the SAP Digital Currency Hub, you can now connect your existing ERP system with blockchain-based finance. Agree with suppliers on a stablecoin like USDC or PYUSD and blockchain like Ethereum or Polygon for settlement and you can set up the system rapidly. You then onboard with a stablecoin issuer for direct minting and redemption or with

如今，全球范围内实现了24/7的即时付款，并且随着SAP数字货币中心等技术的出现，您现在可以将现有的ERP系统与基于区块链的Finance连接起来。同意USDC或PYUSD（例如以太坊或多边形）等稳定的供应商进行和解，您可以快速设置该系统。然后，您将使用稳定发行人加入直接铸造和赎回或