贝宝（Paypal

PayPal正在推动计划扩大其美元固定型Sta​​blecoin Pyusd的效用，旨在在2025年底将2000万商人带入其生态系统。

PayPal is expanding the utility of its dollar-pegged stablecoin PYUSD with plans to bring 20 million merchants into its ecosystem by 2025.

贝宝（Paypal）正在扩大其美元固定型Sta​​blecoin Pyusd的效用，并计划在2025年之前将2000万商人带入其生态系统。

The company shared these updates during its investor day in New York, where executives outlined how the stablecoin is moving beyond its experimental phase.

该公司在纽约的投资者日共享了这些更新，高管概述了Stablecoin如何超越实验阶段。

PYUSD, launched last November, has a market cap of just over $700 million and has mainly been used within crypto circles despite being available through the PayPal app and Venmo. The payments giant now wants to change this by bringing the stablecoin into mainstream business applications.

Pyusd于去年11月推出，市值刚刚超过7亿美元，尽管通过PayPal App和Venmo获得了Crypto Circles中的主要使用。现在，付款巨头希望通过将Stablecoin带入主流业务应用程序来改变这一点。

One of the first initiatives will see PYUSD offered as an option for merchants to pay vendors through PayPal’s bill-pay product. This feature isn’t available yet but is expected to launch later in the year. The approach would allow merchants to “invite” vendors into the PayPal network for transactions.

最早的举措之一将把Pyusd作为商人通过PayPal的账单付款产品付款。此功能尚不可用，但预计将在今年晚些时候推出。该方法将使商人可以“邀请”供应商进入Pay​​Pal网络进行交易。

“The thesis was: Can we facilitate that on PYUSD rails so as not to have the currency conversion, the friction, as well as time” Michelle Gill, general manager of PayPal’s small and medium enterprises line of business, said in an interview with Bloomberg.

“论文是：​​我们能否在Pyusd Rails上进行促进，以免进行货币转换，摩擦以及时间。” 。

This integration effort reflects PayPal’s broader strategy to create a more unified and seamless experience across its various products.

这种集成工作反映了PayPal在其各种产品中创造更统一和无缝体验的更广泛策略。

“We’re viewed as still ‘these pieces of either acquisitions or products or things that we’ve done over the past’ but we’re actually bringing it together,” said PayPal CEO Alex Chriss at the investor event.

PayPal首席执行官Alex Chriss在投资者活动中说：“我们仍然被视为'这些收购，产品或我们过去所做的事情的这些部分'，但实际上我们将其汇集在一起​​。”

These updates follow a strong second quarter where total payment volume exceeded expectations, rising 11% year-over-year to $363 billion. However, net new active user additions came in below estimates.

这些更新之后是第二季度的强劲付款量超过预期，同比增长11％，达到3630亿美元。但是，净新的活跃用户添加量低于估计值。

As part of its performance improvement plan, PayPal is aiming to grow its earnings 20% by 2027. The company also plans to make PYUSD a direct payment option on its Hyperwallet platform, which it acquired in 2018 for $400 million, before the end of the second quarter.

作为其绩效改进计划的一部分，PayPal的目标是到2027年将其收益增长20％。该公司还计划在其Hyperwallet平台上使Pyusd成为直接付款选项，该平台在2018年以4亿美元的价格收购了Pyusd，在该平台上获得了直接付款。第二季度。

Hyperwallet specializes in facilitating mass payments to contractors, freelancers, and sellers globally.

Hyperwallet专门针对全球承包商，自由职业者和卖方的大规模支付。

PYUSD's entry into mainstream business applications marks a significant step in expanding the stablecoin's use cases beyond cryptocurrency-related transactions.

Pyusd进入主流业务应用程序是将Stablecoin用例扩展到与加密货币相关的交易之外的重要一步。

Earlier this year, the company announced that it had completed its first PYUSD transaction with a merchant, a milestone reached just one year after unveiling its plans for the stablecoin.

今年早些时候，该公司宣布已经完成了与商人的第一笔PYUSD交易，这是一个里程碑，在揭开了stablecoin计划仅一年后就达到了一年。

These developments come as stablecoin legislation in the U.S. appears to be gaining clarity, with observers noting that clearer regulations could lead to thousands more entrants in this space.

这些事态发展是因为在美国的Stablecoin立法似乎正在变得清晰，观察家指出，更清晰的法规可能会导致在这个领域中有成千上万的参与者。

Following the investor day announcements, PayPal’s stock (PYPL) rose 4.7% in pre-market trading, reaching $77.57 from the previous close of $74.07.

在投资者日公告之后，贝宝（Paypal）的股票（PYPL）上涨了4.7％，预付市场交易，从上一批收盘价为74.07美元，达到77.57美元。