介绍退款协议：安全​​USDC付款的新标准

稳定的付款长期以来一直带有收获：一旦您发送资金，它们就消失了。没有退款，没有争议的窗口

Stablecoin payments are notorious for being fast, final, and largely uncancellable. It's a tradeoff that has long flustered merchants and flummoxed users. But what if there was a way to add that crucial layer of protection to stablecoins, without disrupting their non-custodial nature?

Stablecoin的付款因快速，最终且在很大程度上是无现成的而臭名昭著。这是一个长期以来一直慌张的商人和疲惫的用户的权衡。但是，如果有一种方法可以将这种关键的保护层添加到稳定的情况下，而不会破坏其非习性的性质呢？

Circle, the issuer of USDC, is setting out to do just that with the Refund Protocol—a smart contract-based system designed to bring chargebacks and dispute resolution to stablecoin transactions.

USDC的发行人Circle正着手使用退款协议（一种基于智能合约的系统）来做到这一点，旨在为Stablecoin交易带来拒绝和争议解决方案。

The Problem Circle Wants to Fix

问题圈想解决

Crypto is often described as digital cash—transferable, final, and largely uncancellable. For P2P payments or DeFi protocols, that's a huge asset. But in the context of e-commerce or everyday transactions, it presents a persistent problem.

加密通常被描述为数字现金 - 可转让，最终且在很大程度上是无效的。对于P2P付款或DEFI协议，这是一项巨大的资产。但是在电子商务或日常交易的背景下，它提出了一个持久的问题。

If a merchant ships the wrong product or a scammer collects payment but never delivers, there's usually no avenue for recovery. In traditional finance, you'd file a claim with your bank or card issuer. But in the decentralised realm, most users are simply out of luck.

如果商人运送错误的产品或骗子收取付款，但从未付款，通常没有恢复途径。在传统金融中，您会向您的银行或卡发行人提出索赔。但是在分散的领域中，大多数用户只是不幸。

Circle's new protocol aims to solve that, routing payments through a smart contract where they’re held until the buyer confirms receipt. If there are problems, the buyer can request a refund, and an arbiter decides whether to release the funds to the seller or return them to the buyer.

Circle的新协议旨在解决这一问题，并通过智能合约将其付款进行路由付款，直到买方确认收据为止。如果有问题，买方可以要求退款，仲裁者决定是将资金释放给卖方还是将其退还给买方。

How the Refund Protocol Works

退款协议的工作方式

The protocol relies on an arbiter system to resolve disputes in a trust-minimised manner. An impartial third party—selected by both parties in advance or appointed by a DAO—examines the evidence and makes the final decision. Crucially, the arbiter can only approve the payment to the seller or issue a refund to the buyer. They aren't able to redirect the funds to a different address, ensuring the system remains non-custodial throughout.

该协议依靠仲裁系统来以信任最终的方式解决争议。由双方提前或由DAO任命的公正第三方检查证据并做出最终决定。至关重要的是，仲裁者只能批准向卖方付款或退款给买方。他们无法将资金重定向到另一个地址，从而确保该系统在整个过程中仍然不受监测。

For sellers who need earlier access to their funds, the protocol also includes an off-chain component. Buyers and sellers can choose to finalize their transactions early through a digital signature that is then recorded on-chain. This allows for more flexibility in payment terms while still maintaining full transparency on the blockchain.

对于需要较早访问其资金的卖方，该协议还包括一个离链组件。买卖双方可以选择通过数字签名尽早确定其交易，然后记录在链上。这允许在付款期间更加灵活性，同时仍保持区块链上的完全透明度。

Built for ERC-20 tokens, the protocol supports lockups, dispute resolution, and programmable refunds. It's designed to be used by both power users and businesses who want to process high-volume payments.

该协议专为ERC-20代币建立，支持锁定，争议解决和可编程退款。它旨在由想要处理大批量付款的权力用户和企业使用。

The Tradeoffs—and Why They Might Be Worth It

权衡 - 为什么他们可能值得

Of course, there are tradeoffs to consider. Circle notes that the protocol will consume more gas than standard token transfers, which might increase costs for businesses running large-scale payment operations.

当然，需要考虑权衡。 Circle指出，该协议将消耗的汽油比标准令牌转移更多，这可能会增加运营大规模支付操作的企业的成本。

It will also require users to set up a dedicated refund address in advance, which might be an obstacle for people using custodial wallets or fiat onramps to fund their transactions.

它还将要求用户提前设置专用的退款地址，这可能是使用托管钱包或法定智能机构资助其交易的人们的障碍。

However, the benefits of the protocol could outweigh these drawbacks. Most stablecoin payment systems today lack any layer of protection for users in the event of fraud or error. This puts a burden on merchants to maintain high standards of service and creates an imbalance of risk in transactions.

但是，协议的好处可能超过这些缺点。如今，在发生欺诈或错误的情况下，大多数稳定的支付系统都缺乏对用户的任何保护层。这给商人带来了负担，以维持高标准的服务，并造成交易风险不平衡。

Circle's Refund Protocol is designed to introduce that missing element of trustless protection, placing greater emphasis on fairness and reliability. For merchants, it could help to build trust with customers and reduce the fear of chargebacks. For users, it provides an additional safety net in case of scams or mistakes. And for the industry at large, it removes one of the last major technical obstacles to mainstream adoption of crypto payments.

Circle的退款协议旨在介绍缺少无信任保护的要素，从而更加重视公平和可靠性。对于商人来说，它可以帮助建立对客户的信任并减少对回报的恐惧。对于用户而言，它在造成骗局或错误的情况下提供了额外的安全网。对于整个行业，它消除了主流采用加密货币的最后一个主要技术障碍之一。

Why This Matters Now

为什么现在很重要

As blockchain technology becomes increasingly integrated into various aspects of e-commerce and the gig economy, consumers are becoming accustomed to greater safeguards in their online transactions. Platforms like e-commerce behemoth Amazon and ride-hailing giant Uber already offer chargeback and dispute resolution services.

随着区块链技术越来越多地整合到电子商务的各个方面和零工经济的各个方面，消费者正在习惯于在其在线交易中更大的保障措施。电子商务庞然大物亚马逊和乘车巨头Uber之类的平台已经提供了退款和争议解决服务。

However, despite the rapid adoption of stablecoins for payments, most systems today lack such capabilities, leaving merchants and users with limited options in case of issues.

然而，尽管稳定股份迅速采用了付款，但如今的大多数系统都缺乏这样的功能，而在出现问题的情况下，商人和用户的选择有限。

Circle's initiative marks a significant step towards introducing these crucial protections to the rapidly expanding world of stablecoin payments.

Circle的倡议标志着将这些关键保护措施引入快速扩展的Stablecoin支付世界的重要一步。