万事达卡赞扬 Ripple 在改变拉丁美洲汇款方面发挥的改变游戏规则的作用

万事达卡已经认识到 Ripple 在重塑拉丁美洲汇款格局方面所发挥的作用，万事达卡在关注跨境支付发展的报告中强调了这一点。 Ripple 的解决方案利用 XRP 代币，因其速度、透明度和成本效益而受到认可，解决了阻碍进入正规汇款渠道的挑战。

Mastercard Spotlights Ripple's Role in Transforming Remittances in Latin America

万事达卡重点关注瑞波币在拉丁美洲汇款转型中的作用

New York, July 15, 2023 - Mastercard, a global payments titan, has highlighted the significant contributions of Ripple, a blockchain technology company, to the modernization of remittance services in Latin America. This recognition emerges from a Mastercard report shared by the pseudonymous XRP community figure, WrathofKahnemanthat, on the X.

纽约，2023 年 7 月 15 日 - 全球支付巨头万事达卡强调了区块链技术公司 Ripple 对拉丁美洲汇款服务现代化的重大贡献。这一认识来自于 XRP 社区化名人士 WrathofKahnemanthat 在 X 上分享的万事达卡报告。

In its report, Mastercard underscores the evolving nature of cross-border payments, emphasizing the critical role of technology, partnerships, and digitalization in enhancing efficiency and accessibility. Ripple's solutions, powered by the digital token XRP, are singled out for their focus on speed, transparency, and cost-effectiveness.

万事达卡在报告中强调了跨境支付不断发展的性质，强调技术、合作伙伴关系和数字化在提高效率和可及性方面的关键作用。 Ripple 的解决方案由数字代币 XRP 提供支持，因其注重速度、透明度和成本效益而脱颖而出。

Remittances: A Lifeline for Families and Economies

汇款：家庭和经济的生命线

Mastercard notes the profound impact of remittances, or cross-border payments, on the financial well-being of individuals and communities worldwide. Aligned with the United Nations' Sustainable Development Goals (SDGs), Mastercard emphasizes how these remittances enable recipients to invest in savings, small businesses, and other assets that drive economic growth.

万事达卡注意到汇款或跨境支付对全球个人和社区的财务福祉产生的深远影响。万事达卡与联合国可持续发展目标 (SDG) 保持一致，强调这些汇款如何帮助收款人投资于储蓄、小型企业和其他推动经济增长的资产。

This is especially crucial in low and middle-income countries, where an estimated 800 million people globally live in households that rely on these international transfers.

这对于低收入和中等收入国家尤其重要，全球估计有 8 亿人生活在依赖这些国际转移的家庭中。

Challenges and Ripple's Innovative Approach

Ripple 的挑战和创新方法

Despite the volume and benefits of remittances, Mastercard identifies key obstacles that hinder access to formal channels. High fees, reliance on cash, security concerns, and inadequate digital experiences continue to pose significant challenges.

尽管汇款量大且好处多，但万事达卡还是发现了阻碍其进入正规渠道的主要障碍。高额费用、对现金的依赖、安全问题和数字体验不足继续构成重大挑战。

In addressing these issues, Mastercard spotlights innovators like Ripple, Stellar, and Circle. Ripple, in particular, harnesses blockchain technology and the XRP cryptocurrency to facilitate faster, cheaper, and more transparent international money transfers.

在解决这些问题时，万事达卡重点关注 Ripple、Stellar 和 Circle 等创新者。尤其是 Ripple，它利用区块链技术和 XRP 加密货币来促进更快、更便宜和更透明的国际汇款。

This potential is exemplified by Ripple's partnership with SBI Remit, which offers XRP-based remittance services in multiple Asian countries. Ripple's collaboration with countries such as Palau to explore the use of central bank digital currencies (CBDCs) further underscores its dedication to innovation in payment solutions. This partnership demonstrates Ripple's belief in the transformative potential of CBDCs within the realm of cross-border transactions.

Ripple 与 SBI Remit 的合作就体现了这种潜力，SBI Remit 在多个亚洲国家提供基于 XRP 的汇款服务。 Ripple 与帕劳等国家合作探索中央银行数字货币（CBDC）的使用，进一步凸显了其对支付解决方案创新的奉献精神。此次合作表明 Ripple 对 CBDC 在跨境交易领域的变革潜力充满信心。

The Future of Remittances

汇款的未来

The formal inbound cross-border payments market surpassed $831 billion globally in 2022, according to World Bank data. Latin America alone accounted for $146 billion, marking a substantial increase in remittance volume over recent decades.

根据世界银行的数据，到 2022 年，全球正式入境跨境支付市场规模将超过 8310 亿美元。仅拉丁美洲就达 1,460 亿美元，标志着近几十年来汇款额大幅增加。

Mastercard forecasts continued growth, with digital remittances projected to exceed $550 billion in market share by 2026. Ripple mirrors these trends, anticipating that the broader cross-border payment market could reach the $250 trillion mark by 2027.

万事达卡预测持续增长，到 2026 年，数字汇款的市场份额预计将超过 5500 亿美元。Ripple 反映了这些趋势，预计到 2027 年，更广泛的跨境支付市场可能达到 250 万亿美元大关。

As the payments landscape evolves, Ripple's focus on speed, transparency, and cost-efficiency positions it as a key player in the future of remittances. The company's partnerships, technological expertise, and alignment with industry leaders like Mastercard will likely continue to drive innovation and enhance access to financial services for individuals and businesses around the world.

随着支付领域的发展，Ripple 对速度、透明度和成本效率的关注使其成为未来汇款领域的关键参与者。该公司的合作伙伴关系、技术专长以及与万事达卡等行业领导者的合作可能会继续推动创新并增强全球个人和企业获得金融服务的机会。