PayPal 使用 PYUSD 稳定币完成首笔企业付款

PayPal 已使用自己的稳定币 PayPal USD (PYUSD) 成功完成了第一笔商业交易。但具体付款金额并未透露。这凸显了加密资产用于支付目的的稳定使用。

PayPal has completed its first corporate payment using its own stablecoin, PayPal USD (PYUSD). The payment was made to Ernst & Young (EY), one of the major accounting firms, on September 23 through an SAP SE digital platform. The exact payment amount was not disclosed.

PayPal 已使用自己的稳定币 PayPal USD (PYUSD) 完成了首次企业支付。这笔款项于 9 月 23 日通过 SAP SE 数字平台支付给主要会计师事务所之一安永会计师事务所 (EY)。确切的付款金额并未透露。

Launched in August 2023, PYUSD is a stablecoin backed by U.S. dollar reserves and short-term U.S. Treasury bonds. It was created to help businesses make instant payments, providing a more efficient alternative to traditional payment methods.

PYUSD 于 2023 年 8 月推出，是一种由美元储备和短期美国国债支持的稳定币。它的创建是为了帮助企业进行即时支付，为传统支付方式提供更有效的替代方案。

“The enterprise environment is very well-suited for it,” said Jose Fernandez da Ponte, PayPal’s senior vice president of blockchain, cryptocurrency, and digital currency. “It’s a very rational conversation to have with the CFO.”

“企业环境非常适合它，”PayPal 区块链、加密货币和数字货币高级副总裁 Jose Fernandez da Ponte 表示。 “与首席财务官进行的对话非常理性。”

With a current market capitalization of over $694 million, PYUSD is ranked as the eighth-largest stablecoin.

PYUSD 目前市值超过 6.94 亿美元，位居第八大稳定币。

Stablecoins like PYUSD are gaining more recognition for their practical use in the business world.

像 PYUSD 这样的稳定​​币因其在商业世界中的实际用途而获得越来越多的认可。

Unlike volatile cryptocurrencies like Bitcoin and Ethereum, stablecoins maintain a constant value by being tied to fiat currencies such as the U.S. dollar. This makes them particularly appealing for companies that need predictable payment values.

与比特币和以太坊等不稳定的加密货币不同，稳定币通过与美元等法定货币挂钩来保持恒定的价值。这使得它们对于需要可预测支付价值的公司特别有吸引力。

PayPal’s push into the stablecoin space comes as the company has increasingly expanded its crypto-related services, including allowing U.S. businesses to buy, sell, and trade cryptocurrencies directly through their PayPal accounts.

PayPal 进军稳定币领域之际，该公司不断扩大其加密相关服务，包括允许美国企业直接通过其 PayPal 账户购买、出售和交易加密货币。

In addition to the speed of transactions, stablecoins offer other benefits. They reduce the cost of payments by cutting out the middlemen often used in cross-border transactions. According to Sheraz Shere, GM of payments and commerce at Solana Foundation, stablecoins have “found product-market-fit in cross-border payments” due to their ability to lower transaction costs and improve transparency.

除了交易速度之外，稳定币还具有其他优势。它们通过消除跨境交易中经常使用的中间商来降低支付成本。 Solana 基金会支付和商务总经理 Sheraz Shere 表示，由于稳定​​币能够降低交易成本并提高透明度，因此“在跨境支付中找到了适合产品市场的产品”。

The use of stablecoins is expected to rise significantly as regulations around digital currencies become clearer across the world. In particular, the European Union’s Markets in Crypto-Assets (MiCA) regulation is likely to encourage greater stablecoin adoption by increasing compliance standards.

随着全球范围内数字货币的监管变得更加清晰，稳定币的使用预计将大幅增加。特别是，欧盟的加密资产市场（MiCA）监管可能会通过提高合规标准来鼓励更多稳定币的采用。

Companies like Robinhood and Revolut are considering launching their own stablecoins as the market continues to expand.

随着市场不断扩大，Robinhood 和 Revolut 等公司正在考虑推出自己的稳定币。

PYUSD’s entry into the corporate payments landscape comes as other players have also started focusing on this space. Tether’s USDT is currently the largest stablecoin with a market capitalization of $119.7 billion, followed by USD Coin (USDC) with $35.3 billion.

PYUSD 进入企业支付领域之际，其他参与者也开始关注这一领域。 Tether 的 USDT 是目前最大的稳定币，市值为 1197 亿美元，其次是美元硬币（USDC），市值为 353 亿美元。

Although PYUSD is still a relatively small player in comparison, its growth shows that companies are increasingly interested in exploring the benefits of stablecoin technology.

尽管相比之下，PYUSD 仍然是一个相对较小的参与者，但其增长表明企业越来越有兴趣探索稳定币技术的好处。