贝宝（Paypal

意见：PayPal正在为其稳定的Pyusd推出全面的主流采用，以彻底改变商家交易。根据彭博社的说法

PayPal is fully engaging in mainstream adoption for its stablecoin, PYUSD, aiming to revolutionize merchant transactions.

PayPal正在全力参与其Stablecoin Pyusd的主流采用，旨在彻底改变商家交易。

During the Fintech23 conference in San Francisco, Michelle Gill, General Manager of PayPal’s Small Business and Financial Services Group, revealed that the payment giant plans to integrate PYUSD into its bill-pay product by 2025, allowing its 20 million+ small-to-medium merchants to pay vendors seamlessly.

在旧金山举行的FINTECH23会议上，PayPal小型企业和金融服务集团总经理Michelle Gill透露，付款巨头计划在2025年之前将PYUSD整合到其账单付款产品中，允许其2000万+小型至中级商人无需支付供应商。

Highlighting the difficulties faced by small businesses with cross-border payments, Gill posed the question, “How can we facilitate that on PYUSD rails so as not to have the currency conversion, the friction, as well as time?”

吉尔（Gill）强调了小型企业面临的困难，吉尔提出了一个问题：“我们如何在pyusd栏杆上促进，以免货币转换，摩擦和时间？”

Earlier this year, PayPal announced its intention to introduce PYUSD for Hyperwallet, facilitating global payouts to contractors and freelancers by the first half of the year. By this year, merchants can also settle checkout transactions using cryptocurrencies.

今年早些时候，PayPal宣布打算为Hyperwallet介绍Pyusd，并在今年上半年为承包商和自由职业者促进全球支出。到今年，商人还可以使用加密货币解决结帐交易。

“We’re trying to make blockchain technology a practical reality for spending,” said CEO Alex Chriss at the TechCrunch Session 73 event.

首席执行官Alex Chriss在TechCrunch Session 73活动中说：“我们正在努力使区块链技术成为支出的实用现实。”

Recent tests, conducted by the Center for Economic Policy Research, demonstrated that using stablecoins for cross-border transactions resulted in recipients receiving 40% more in their local currency compared to traditional methods, due to faster settlement and better exchange rates.

经济政策研究中心进行的最新测试表明，与传统方法相比，使用Stablecoins进行跨境交易，导致接收者在本地货币中获得了40％的收益，这是由于更快的结算和更好的汇率。

Moreover, PayPal’s PYUSD, backed by highly liquid assets, has already surpassed a $500 million market cap, signaling strong adoption.

此外，在高度流动资产的支持下，PayPal的Pyusd已经超过了5亿美元的市值，这表明采用了强烈的采用。

Edwina Aoki, CTO of Digital Currencies at PayPal, emphasizes the potential of stablecoins to disrupt outdated payment systems like SWIFT.

PayPal的数字货币首席执行官Edwina Aoki强调了Stablecoins破坏Swift等过时的支付系统的潜力。

“We’re looking at the problems that exist today and how we can solve them with this technology,” Aoki said.

Aoki说：“我们正在研究今天存在的问题，以及如何通过这项技术解决它们。”

Stablecoins Like PayPal’s PYUSD The ‘iPhone Moment’ for Fintech?

像PayPal的Pyusd这样的稳定​​币，Fintech的“ iPhone时刻”？

Edward Woodford, Founder and CEO of Zero Hash, highlighted the rapid expansion of stablecoin accessibility: “Over the last 12 months, integrations by Nubank, Revolut, Robinhood, and PayPal have brought stablecoins to the core banking experience of close to one billion individuals.”

零哈希的创始人兼首席执行官爱德华·伍德福德（Edward Woodford）强调了Stablecoin可及性的迅速扩展：“在过去的12个月中，Nubank，Revolut，Robinhood和Paypal的集成使Stablecoins带来了近十亿个人的核心银行银行经验。”

The top exec drew similarities between the iPhone’s distribution and the current reach of stablecoins like USDC and USDT.

顶级执行官在iPhone的发行版与USDC和USDT等Stablecoin的当前覆盖范围之间吸引了相似之处。

He explained that just as the iPhone’s widespread adoption enabled the creation of the App Store, the broad distribution of stablecoins is now fostering the development of new applications by fintech and payment companies.

他解释说，正如iPhone的广泛采用能够创建App Store一样，StableCoins的广泛分布现在正在促进Fintech和Payment Companies的新应用程序的开发。

“We’re at the iPhone 3GS moment for stablecoins and at the App Store moment for fintech and payments companies to build new categories and use cases on Blockchain,” stated Woodford.

伍德福德说：“我们正处于iPhone 3GS时刻的Stablecoins，以及在App Store Mist的时刻，Fintech和Payments Companies在区块链上建立新的类别和用例。”

Following PayPal’s PYUSD integration into its bill-pay product by 2025, Ripple President Monica Long remarked, ” Sounds familiar”.

在2025年，PayPal将PYUSD集成到其账单付款产品中之后，Ripple总裁Monica Long表示：“听起来很熟悉”。

This observation signals Ripple’s own engagement in the space, especially with the recent launch of RLUSD, which saw a 37% volume surge despite recent market downturns.

这一观察结果表明，波纹在该领域的参与度，尤其是在最近推出的RLUSD上，尽管最近的市场下降，但量增长了37％。