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近年来,世界顶级稳定币在支付领域变得非常有利。最近,它们在跨境贸易和其他发展中的效用使它们成为数字资产领域无可否认的明星。
Top stablecoins have seen increasing use in payments, especially in cross-border trade. Now, PayPal’s move with PYUSD might pave the way for broader adoption.
顶级稳定币在支付领域的使用越来越多,尤其是在跨境贸易中。现在,PayPal 与 PYUSD 的合作可能为更广泛的采用铺平道路。
World's Top Stablecoins Might Be Coming to a Gov't Transaction Near You
世界顶级稳定币可能会在您附近进行政府交易
In recent developments, PayPal completed its first business payment using the PYUSD stablecoin to settle an invoice with Ernst & Young LLP. The payments giant completed the transaction earlier this month.
最近的事态发展中,PayPal 使用 PYUSD 稳定币完成了第一笔商业付款,以与安永会计师事务所 (Ernst & Young LLP) 结算发票。这家支付巨头本月早些时候完成了交易。
Many crypto firms took note of the development, and experts across the industry pointed out that the move marks a new era of business-to-business stablecoin use.
许多加密货币公司注意到了这一发展,业内专家指出,此举标志着企业对企业稳定币使用的新时代。
For Ran Goldi, SVP of Payments and Network at leading institutional digital asset custody, settlement and issuance platform Fireblocks, PayPal's move is a "brave" one, considering the company's status as one of the leading fintech firms in the world.
对于领先机构数字资产托管、结算和发行平台 Fireblocks 支付和网络高级副总裁 Ran Goldi 来说,考虑到 PayPal 作为全球领先金融科技公司之一的地位,此举是一项“勇敢”的举措。
“We will see many other payment companies and fintech follow. That would eventually move the needle, even if by a bit, until the entire financial ecosystem adopts blockchain," Goldi projected in an exclusive with International Business Times.
“我们将看到许多其他支付公司和金融科技公司效仿。这最终将起到推动作用,即使是一点点,直到整个金融生态系统采用区块链。”戈尔迪在《国际商业时报》的独家报道中预测道。
A Giant Leap Toward Broader B2B Stablecoin Transactions
迈向更广泛的 B2B 稳定币交易的巨大飞跃
Goldi revealed that the largest growing segment in the blockchain payments sector today is B2B.
Goldi 透露,当今区块链支付领域增长最大的领域是 B2B。
“From our view at Fireblocks, we see that B2B payments account for 50% of total payment volume,” he added.
“从 Fireblocks 的角度来看,B2B 支付占总支付量的 50%,”他补充道。
According to Goldi, PayPal "understands" the revolution and is "making progress toward educating its merchants to upgrade their rails."
戈尔迪表示,贝宝“理解”这场革命,并“在教育商家升级铁路方面取得进展”。
So far, PYUSD is seventh in CoinGecko's rankings of the world's largest stablecoins by market value. With a market cap of $673.8 million (as of Sunday night), PYUSD has a long way to go before unseating Tether's USDT.
到目前为止,PYUSD 在 CoinGecko 全球最大稳定币市值排名中排名第七。 PYUSD 的市值为 6.738 亿美元(截至周日晚上),要取代 Tether 的 USDT 还有很长的路要走。
Still, PayPal's standing as a leader in global payments is a boon for suppliers who may still have trust issues when it comes to digital currencies.
尽管如此,PayPal 作为全球支付领域领导者的地位对于在数字货币方面可能仍存在信任问题的供应商来说是一个福音。
The Challenges in B2B Stablecoin Use
B2B 稳定币使用的挑战
In traditional finance, there is already the issue of trust, but there are various other considerations for broader B2B stablecoin use.
在传统金融中,已经存在信任问题,但更广泛的 B2B 稳定币使用还有各种其他考虑因素。
Internally, there's the matter of businesses still operating with fiat. "Zooming in, businesses still run on regular, real-world dollars, hence, they sometimes need to off-ramp from stablecoins back to dollars in their bank account," Goldi said.
在内部,存在企业仍在使用法定货币运营的问题。戈尔迪说:“放大来看,企业仍然以常规的现实世界美元运营,因此,他们有时需要从稳定币转回银行账户中的美元。”
Then there's regulation – a key issue in the broader blockchain and crypto space that remains a challenge for companies seeking to expand their B2B relations in the traditional financial realm.
然后是监管——更广泛的区块链和加密货币领域的一个关键问题,对于寻求在传统金融领域扩大 B2B 关系的公司来说仍然是一个挑战。
"Zooming out, the ultimate challenge is still regulation. Today's view in the U.S. is that banks do not have enough comfort to service crypto-using customers. That is still a big challenge that only legal frameworks and regulations can solve in the long term," Goldi pointed out.
“放眼来看,最终的挑战仍然是监管。当今美国的观点是,银行没有足够的舒适度来为使用加密货币的客户提供服务。从长远来看,这仍然是一个只有法律框架和监管才能解决的巨大挑战, ”戈尔迪指出。
The U.S. has yet to come up with a regulatory framework for digital assets. The U.S. Securities and Exchange Commission (SEC), under Chair Gary Gensler, has refused to engage in new rulemaking to come up with regulations specifically for the emerging industry.
美国尚未拿出数字资产的监管框架。在主席加里·根斯勒 (Gary Gensler) 的领导下,美国证券交易委员会 (SEC) 拒绝参与新的规则制定,以制定专门针对新兴行业的法规。
Can Stablecoins Become a 'Norm' in Government?
稳定币能否成为政府的“常态”?
Beyond business and private finance, governments are also exploring stablecoins and their possible utility in government transactions.
除了商业和私人金融之外,政府还在探索稳定币及其在政府交易中的可能效用。
"Stablecoins are being used today by governments across the world to disburse payments to individuals (sometimes even as a purpose-bound money, operated by a smart contract). While consumers will hopefully not feel the difference, eventually, we believe all forms of money will be tokenized, it is just a natural upgrade to existing financial systems," Goldi said.
“当今世界各国政府都在使用稳定币向个人支付(有时甚至作为一种有目的的货币,由智能合约操作)。虽然消费者希望不会感觉到差异,但最终我们相信所有形式的货币将会被标记化,这只是现有金融系统的自然升级,”戈尔迪说。
Paving the Way for Wider Adoption
为更广泛采用铺平道路
Fireblocks provides the underlying technology that issuers use to create their own stablecoins, issue blockchain wallets to their users, and manage the movement of payments, trades and other funds across the blockchain, in the most secure manner.
Fireblocks 提供了底层技术,发行者可以用它来创建自己的稳定币、向用户发行区块链钱包,并以最安全的方式管理区块链上的支付、交易和其他资金的流动。
Fireblocks already projected back in 2021 that stablecoins "represent the treasury management of the future" for companies of all shapes and sizes.
Fireblocks 早在 2021 年就预测稳定币“代表了各种类型和规模的公司的未来财务管理”。
With a leader in the payments sector proving that stablecoins can be used in B2B transactions, it may only be a matter of time before the "stable" digital currencies become the future of payments.
随着支付领域的领导者证明稳定币可以用于 B2B 交易,“稳定”的数字货币成为支付的未来可能只是时间问题。
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