PayPal 使美国用户能够使用 PayPal 美元稳定币进行国际转账

PayPal 扩展了其全球汇款服务，使所有美国用户（夏威夷除外）能够通过其 Xoom 服务使用 PayPal 稳定币 PayPal USD (PYUSD) 兑换的美元进行转账。此举允许向 160 多个国家进行无缝且免费的跨境汇款，进一步增强 PayPal 用户国际支付的可及性和便利性。

PayPal Enables U.S. Users to Fund International Money Transfers with PayPal USD Stablecoin

PayPal 使美国用户能够使用 PayPal 美元稳定币进行国际汇款

New York, April 4, 2023 - PayPal, a global leader in digital payments, announced today that it is expanding its cross-border money transfer services to allow all eligible U.S. users outside the state of Hawaii to utilize its native stablecoin, PayPal USD (PYUSD), as a funding source. This latest development leverages the capabilities of PayPal's Xoom platform and is designed to enhance the accessibility and affordability of international money transfers.

纽约，2023 年 4 月 4 日 - 全球数字支付领域的领导者 PayPal 今天宣布，其正在扩大其跨境汇款服务，以允许夏威夷州以外的所有符合条件的美国用户使用其本土稳定币 PayPal USD（ PYUSD），作为资金来源。这一最新开发利用了 PayPal Xoom 平台的功能，旨在提高国际汇款的可及性和可负担性。

Through Xoom, PayPal users in over 160 countries can now conveniently send funds to family and friends abroad using PYUSD, a U.S. dollar-pegged stablecoin issued and custodied by Paxos Trust Company in New York. The use of PYUSD eliminates the need to convert traditional fiat currencies into cryptocurrency, thereby reducing transaction costs and complexities.

通过 Xoom，160 多个国家/地区的 PayPal 用户现在可以使用 PYUSD（由纽约 Paxos Trust Company 发行和托管的与美元挂钩的稳定币）方便地向国外的家人和朋友发送资金。 PYUSD 的使用消除了将传统法定货币转换为加密货币的需要，从而降低了交易成本和复杂性。

"By introducing the option to fund cross-border money transfers with USD converted from PYUSD, Xoom now offers an easy and reliable way for U.S. users to send money abroad using PYUSD as a funding source," said PayPal.

PayPal 表示：“通过引入用 PYUSD 兑换的美元进行跨境汇款的选项，Xoom 现在为美国用户提供了一种简单可靠的方式，使用 PYUSD 作为资金来源向国外汇款。”

"When this option is selected, Xoom will convert the PYUSD in a U.S. user's PayPal Cryptocurrency Hub to USD currency with no crypto sale fee, and recipients will receive funds in the fiat currency selected by the sender."

“选择此选项后，Xoom 会将美国用户 PayPal 加密货币中心中的 PYUSD 转换为美元，无需支付加密销售费用，收款人将以发件人选择的法定货币收到资金。”

The expansion of this service allows U.S. users to send funds internationally through various methods, including transfers to a recipient's bank account, mobile wallet address, or financial institution for pickup. While transactions denominated in U.S. dollars will not incur additional currency conversion fees, those denominated in other currencies will be subject to a spread.

这项服务的扩展允许美国用户通过各种方式进行国际汇款，包括转账到收款人的银行账户、移动钱包地址或金融机构以供提取。虽然以美元计价的交易不会产生额外的货币兑换费，但以其他货币计价的交易将产生点差。

It is important to note that the use of PayPal USD as a funding source is currently prohibited in Hawaii due to state regulations governing the holding of cryptocurrencies.

值得注意的是，由于州政府对持有加密货币的监管规定，夏威夷目前禁止使用 PayPal USD 作为资金来源。

PayPal's venture into stablecoin usage reflects the growing adoption of this technology in the financial sector. Since its launch in August 2022, close to $200 million PYUSD has been issued, indicating a nascent but promising appetite for PayPal's stablecoin.

PayPal 涉足稳定币使用反映出该技术在金融领域的应用日益广泛。自 2022 年 8 月推出以来，已发行近 2 亿美元的 PYUSD，这表明人们对 PayPal 稳定币的兴趣刚刚萌芽，但前景看好。

"Our goals surrounding PYUSD are to create a stable value to maximize user confidence and ensure it had utility for commerce and payments," said Jose Fernandez da Ponte, Senior Vice President of PayPal's Digital Currency Group.

PayPal 数字货币集团高级副总裁 Jose Fernandez da Ponte 表示：“我们围绕 PYUSD 的目标是创造稳定的价值，以最大限度地提高用户信心，并确保其在商业和支付方面具有实用性。”

The news of PayPal's expanded stablecoin usage comes on the heels of recent announcements from other major players in the digital asset space. Ripple recently announced its plans to launch a U.S. dollar-backed stablecoin, while Nick van Eck, son of investment management maestro Jan van Eck, is set to launch a new U.S. dollar-backed stablecoin after securing $12 million in funding.

PayPal 扩大稳定币使用的消息紧随数字资产领域其他主要参与者最近发布的公告之后发布。 Ripple 最近宣布计划推出一款美元支持的稳定币，而投资管理大师 Jan van Eck 的儿子 Nick van Eck 在获得 1200 万美元融资后，也将推出一款新的美元支持的稳定币。

As the stablecoin market continues to evolve and mature, PayPal's latest move signals its commitment to providing innovative and cost-effective solutions for international money transfers. By leveraging its existing platform and customer base, PayPal is well-positioned to capitalize on the growing demand for stablecoin-based financial services.

随着稳定币市场的不断发展和成熟，PayPal 的最新举措表明其致力于为国际汇款提供创新且经济高效的解决方案。通过利用其现有平台和客户群，PayPal 已做好充分准备，充分利用对基于稳定币的金融服务不断增长的需求。