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2024年9月23日,这家金融巨头与全球领先的会计师事务所安永会计师事务所(EY)结算了发票。此次支付标志着稳定币如何通过提供更快、更高效的跨境支付来改变企业对企业(B2B)交易的新篇章。
PayPal has made history by completing its first business transaction using its proprietary stablecoin, PayPal USD (PYUSD). On September 23, 2024, the financial giant settled an invoice with Ernst & Young (EY), a leading global accounting firm, using PYUSD. This marks a significant step in how stablecoins can revolutionize business-to-business (B2B) transactions, particularly cross-border payments.
PayPal 使用其专有的稳定币 PayPal USD (PYUSD) 完成了第一笔商业交易,创造了历史。 2024年9月23日,这家金融巨头使用PYUSD与全球领先的会计师事务所安永会计师事务所(EY)结算了发票。这标志着稳定币彻底改变企业对企业(B2B)交易(尤其是跨境支付)的重要一步。
PayPal introduced PYUSD in 2023 as a stablecoin pegged to the US dollar to facilitate seamless transactions in the digital economy. Stablecoins are digital currencies designed to maintain a consistent value backed by reserve assets, such as fiat currencies. Unlike cryptocurrencies like Bitcoin or Ethereum, which are highly volatile, stablecoins offer stability, making them ideal for routine transactions, especially in the enterprise sector.
PayPal 于 2023 年推出 PYUSD 作为与美元挂钩的稳定币,以促进数字经济中的无缝交易。稳定币是数字货币,旨在维持由法定货币等储备资产支持的一致价值。与比特币或以太坊等高度波动的加密货币不同,稳定币具有稳定性,使其成为日常交易的理想选择,尤其是在企业领域。
This move by PayPal aligns with the broader industry trend of integrating stablecoins into payment systems to enable faster, more cost-effective transfers. With PYUSD, PayPal aims to provide its users, especially businesses, with a more reliable way of settling payments.
PayPal 的这一举措符合将稳定币集成到支付系统中以实现更快、更具成本效益的转账的更广泛的行业趋势。 PayPal 旨在通过 PYUSD 为其用户(尤其是企业)提供更可靠的付款方式。
One of the primary benefits of stablecoins is their ability to bypass traditional financial systems, which can be slow, especially for cross-border transactions. By using PYUSD, PayPal and other businesses can reduce transaction fees and speed up payment settlements, making it easier to conduct international business.
稳定币的主要好处之一是它们能够绕过传统的金融系统,而传统的金融系统可能很慢,尤其是对于跨境交易。通过使用PYUSD,PayPal等企业可以降低交易费用,加快支付结算速度,更轻松地开展国际业务。
Stablecoins also provide greater transparency, as they operate on blockchain technology, allowing for real-time payment tracking and verification. In contrast to conventional bank transfers, which can take several days to process, stablecoin transactions are typically completed within minutes.
稳定币还提供了更大的透明度,因为它们基于区块链技术运行,允许实时支付跟踪和验证。与可能需要几天时间处理的传统银行转账相比,稳定币交易通常在几分钟内完成。
High costs, long processing times, and limited transparency have historically plagued cross-border payments. Traditional systems often involve multiple intermediaries, each adding their own fees and delays to the process. Stablecoins like PYUSD offer a solution to these challenges by enabling faster and cheaper cross-border transactions.
高成本、长处理时间和有限的透明度历来困扰着跨境支付。传统系统通常涉及多个中介机构,每个中介机构都会增加自己的费用并导致流程延迟。 PYUSD 等稳定币通过实现更快、更便宜的跨境交易为这些挑战提供了解决方案。
This use of PYUSD for cross-border payments could pave the way for PayPal casinos and other enterprises to adopt stablecoins, especially as transactions become increasingly digital. As businesses seek to streamline their operations and reduce costs, stablecoins offer a compelling alternative to traditional financial systems.
使用 PYUSD 进行跨境支付可能为 PayPal 赌场和其他企业采用稳定币铺平道路,特别是在交易变得越来越数字化的情况下。随着企业寻求简化运营并降低成本,稳定币为传统金融系统提供了一个引人注目的替代方案。
PayPal's decision to use PYUSD in business payments reflects the growing importance of stablecoins in the financial industry. As stablecoins gain traction, they have the potential to disrupt not only B2B payments but also consumer transactions, remittances, and even government services. By providing a stable and secure form of digital currency, they offer a viable alternative to both traditional fiat currencies and volatile cryptocurrencies.
PayPal 决定在商业支付中使用 PYUSD 反映了稳定币在金融行业中日益增长的重要性。随着稳定币越来越受欢迎,它们不仅有可能扰乱 B2B 支付,还可能扰乱消费者交易、汇款,甚至政府服务。通过提供稳定且安全的数字货币形式,它们为传统法定货币和不稳定的加密货币提供了可行的替代方案。
This shift toward digital currencies could also drive greater adoption of blockchain technology as more businesses and financial institutions recognize the benefits of decentralized payment systems. Blockchain offers increased transparency, security, and efficiency, making it an attractive option for businesses looking to improve their payment processes.
随着越来越多的企业和金融机构认识到去中心化支付系统的好处,这种向数字货币的转变也可能推动区块链技术的更广泛采用。区块链提供了更高的透明度、安全性和效率,使其成为寻求改善支付流程的企业的有吸引力的选择。
This transaction is just one example of PayPal's ongoing expansion into the world of digital currencies. In recent years, the company has introduced a range of cryptocurrency services, allowing users to buy, sell, and hold digital assets directly through the PayPal platform. PayPal's move into the stablecoin space with PYUSD is a natural extension of its broader strategy to integrate digital currencies into its payment ecosystem.
这笔交易只是 PayPal 不断向数字货币领域扩张的一个例子。近年来,该公司推出了一系列加密货币服务,允许用户直接通过PayPal平台购买、出售和持有数字资产。 PayPal 通过 PYUSD 进军稳定币领域,是其将数字货币整合到其支付生态系统的更广泛战略的自然延伸。
By offering stablecoin-based payments, PayPal is positioning itself as a leader in the digital payments revolution. The company's focus on enterprise use cases, such as B2B transactions, highlights the growing demand for digital currencies that offer the stability of fiat money with the efficiency of blockchain technology.
通过提供基于稳定币的支付,PayPal 将自己定位为数字支付革命的领导者。该公司对 B2B 交易等企业用例的关注凸显了对数字货币日益增长的需求,这些数字货币通过区块链技术的效率提供法定货币的稳定性。
As stablecoins become more widely adopted, they have the potential to transform the way businesses conduct transactions, particularly across borders. With its stable and secure features, PYUSD could become a key player in the future of global payments, offering businesses a faster, cheaper, and more efficient alternative to traditional financial systems.
随着稳定币得到更广泛的采用,它们有可能改变企业进行交易的方式,特别是跨境交易的方式。凭借其稳定、安全的特性,PYUSD 可能成为未来全球支付的关键参与者,为企业提供比传统金融系统更快、更便宜、更高效的替代方案。
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