支付庞然大物贝宝（Paypal）计划在其PayPal USD Stablecoin中提供3.7％的余额收益率。

根据彭博社4月23日的一份报告，贝宝代表说，该措施旨在鼓励对公司的稳定使用。

PayPal plans to offer a 3.7% yield on balances held in its PayPal USD stablecoin to encourage more usage of its coin, according to a Monday, April 23 report by Bloomberg.

PayPal计划根据4月23日星期一的彭博社报告说，在其PayPal USD Stablecoin中持有的余额提供3.7％的收益率，以鼓励更多使用硬币。

The report also notes that the company is planning to launch this summer.

该报告还指出，该公司计划在今年夏天启动。

The program will reward users with PYUSD for holding the stablecoin in their account. Users will be able to exchange PYUSD for fiat currency, spend it or send it to other users. Rewards will accrue daily and will be paid out on a monthly basis. The company hopes this feature will lead to a higher predominance of stablecoin and crypto payments on its platform.

该计划将奖励用Pyusd用户将Stablecoin持有其帐户中的用户。用户将能够将PYUSD换成法定货币，将其花费或将其发送给其他用户。奖励将每天积累，并每月支付。该公司希望此功能将导致平台上Stablecoin和Crypto付款的占主导地位。

The report comes after PayPal USD reached a $1 billion market cap in the summer of 2024. At the time of publication, the stablecoin’s market cap is nearly a quarter lower at $873.3 million.

该报告是在2024年夏天达到10亿美元市值之后发表的。在发布时，Stablecoin的市值降低了四分之一，至8.733亿美元。

Tzahi Kanza, CEO of crypto investment firm Syndika, told Cointelegraph that “from a regulatory standpoint, PayPal must ensure that offering interest doesn’t cause its stablecoin to be classified as a security. “When it comes to financial risks for the users, he said that PayPal can keep its promises, and the main risk is losing the peg to the dollar rather than interest-related issues. He said:

加密投资公司Syndika首席执行官Tzahi Kanza告诉Cointelegraph，“从监管的角度来看，PayPal必须确保提供利息不会导致其稳定股份归类为安全性。他说：

“The risk for users is slim. It’s unlikely that PayPal wouldn’t pay out the promised interest and faces no major financial risks. The primary risk is the stablecoin losing its peg to the dollar, which could impact the value of the earned interest.”

“对用户的风险很小。贝宝不太可能不会支付承诺的利息，也不会面临任何重大的财务风险。主要风险是稳定的稳定风险失去了钉子，这可能会影响赚取的利息的价值。”

PayPal is betting on crypto

贝宝正在押注加密货币

PayPal is betting on blockchain technology with its continued product development. Reports from earlier in April show that PayPal has expanded its cryptocurrency offerings to include Chainlink (LINK) and Solana (SOL), giving US-based users the ability to buy, sell and transfer the popular tokens.

PayPal通过其持续的产品开发押注区块链技术。 4月初的报告显示，PayPal将其加密货币产品扩展到包括Chainlink（Link）和Solana（Sol）（SOL），使我们的用户能够购买，出售和转移受欢迎的代币。

In fact, PayPal was cited by Polygon Labs CEO Marc Boiron as one of the catalysts for the stablecoin industry’s rapid growth in recent years. In an interview with Cointelegraph, Boiron said, “Companies like Stripe and PayPal integrating stablecoins is likely the primary catalyst for their growth.”

实际上，Polygon Labs首席执行官Marc Boiron引用了PayPal，这是近年来Stablecoin行业快速增长的催化剂之一。 Boiron在接受Cointelegraph的采访时说：“像Stripe和Paypal这样的公司整合Stablecoins可能是其增长的主要催化剂。”

Related: PayPal, Ernst & Young settle first corporate payment via PYUSD stablecoin

相关：PayPal，Ernst和Young Setate通过Pyusd Stablecoin首次付款

The story of PayPal USD

贝宝美元的故事

PYUSD is a US dollar-pegged stablecoin issued by Paxos Trust Company on behalf of PayPal in August 2023. At the time of the launch, PayPal became the first major payment network to launch its own stablecoin, with Venmo rolling out support in September 2023.

Pyusd是由Paxos Trust Company代表PayPal于2023年8月发行的美元稳定的Stablecoin。在启动时，PayPal成为第一个启动自己的StableCoin的主要支付网络，Venmo于2023年9月推出了支持。

Each token is purportedly backed one-to-one by cash deposits, short-term US Treasury notes and similar cash-equivalent assets in accounts overseen by the New York State Department of Financial Services. Initially, PYUSD was a token compliant with the ERC-20 Ethereum standard, but has since also been deployed on Solana (SOL).

据称，每个代币都由现金存款，短期美国财政部票据和类似现金当量的资产在纽约州金融服务部监督的帐户中提供一对一的支持。最初，Pyusd符合ERC-20以太坊标准的象征性，但此后也已部署在Solana（Sol）上。

PayPal USD’s current market cap is still a far cry from the top stablecoin, Tether’s USDt (USDT). At the time of writing, CoinMarketCap data shows that USDT’s market cap stands at $145.3 billion, 17,255% higher than PYUSD’s. Kanza said that “Tether’s strength lies in its market dominance — not in its regulatory compliance, transparency, or yield” since it does not offer those. He added:

PayPal USD目前的市值与Tether's Usdt（USDT）的顶级Stablecoin相去甚远。在撰写本文时，CoinMarketCap数据显示，USDT的市值为1453亿美元，比Pyusd高17,255％。坎扎说：“束缚的力量在于其市场的主导地位 - 不在其监管合规性，透明度或产量上”，因为它不提供这些。他补充说：

“Tether’s vast size and market presence enable it to absorb any potential imbalances in the dollar peg. This is a significant advantage over smaller stablecoins that might struggle to maintain their peg if faced with large withdrawal volumes.”

“系绳的规模和市场存在使其能够吸收美元钉中的任何潜在失衡。这比较小的稳定币是一个重要的优势，如果面对较大的戒断量，可能难以维持其钉子。”