PayPal和Venmo用户很快将能够赚取其Stablecoin Holdings的收益率

该公司周三表示，PayPal和Venmo用户很快将能够赚取其Stablecoin Holdings的收益率。从今年夏天开始，客户将获得3.7％的年利率。

PayPal and Venmo users will soon be able to earn yield on their stablecoin holdings, the company said Wednesday.

该公司周三表示，PayPal和Venmo用户很快将能够赚取其Stablecoin Holdings的收益率。

Customers will earn an annual interest rate of 3.7% beginning this summer. It will be paid in the PayPal USD stablecoin (PYUSD) on their holdings of the same token. The rewards will be available to use for transacting with other users on the platform, funding international transfers, exchanging dollars or other fiat currency or to make purchases with PayPal merchants.

从今年夏天开始，客户将获得3.7％的年利率。它将在PayPal USD Stablecoin（Pyusd）上支付其持有的同样令牌。这些奖励可用于与平台上的其他用户进行交易，资助国际转让，交换美元或其他法定货币或与Paypal商人进行购买。

PayPal launched PYUSD in 2023, making it the first major financial institution to launch a U.S. dollar-backed stablecoin. It now makes up less than 1% of the market, which is dominated primarily by Tether’s' USDT (66% of market cap) and Circle’s USDC (28%), according to CryptoQuant. The total market cap for stablecoins has grown 37% in the past year.

PayPal于2023年推出了Pyusd，这使其成为第一个推出美元支持的Stablecoin的主要金融机构。根据CryptoQuant的说法，它现在不到不到市场的1％的市场，主要由Tether的USDT（占市值的66％）和Circle的USDC（28％）主导。在过去的一年中，Stablecoins的总市值增长了37％。

Unlike bitcoin, ether and other cryptocurrencies, stablecoins are designed to have a stable value against a non-crypto asset, usually the U.S. dollar. Historically, they're used for trading and as collateral in decentralized finance (DeFi), and stablecoins are closely watched for evidence of demand, liquidity and activity in the market. More recently, they've become more attractive as a way to offer underbanked users access to financial services. Additionally, yield-bearing stablecoins have increased in popularity.

与比特币，以太和其他加密货币不同，稳定币的设计旨在对非透明资产（通常是美元）具有稳定的价值。从历史上看，它们用于交易，并作为分散财务（DEFI）的抵押品，并密切关注Stablecoins的市场中需求，流动性和活动的证据。最近，它们变得越来越有吸引力，可以为您提供账单上的用户访问金融服务的一种方式。此外，承重稳定的稳定性在受欢迎程度上增加了。

PayPal has long maintained that as its business model lies in payments, its use of stablecoins should be focused on that function, enabling the transfer and exchange of value and purchasing goods. Others, by contrast, such as Tether and Circle, which filed earlier this month to go public, make money from interest income by holding reserves in interest-bearing assets.

PayPal长期以来一直坚持认为，由于其业务模型在于付款，因此其使用Stablecoins应该专注于该功能，从而使价值和购买商品的转移和交换。相比之下，其他人，例如本月早些时候申请公开申请的Tether和Circle，通过将储备金保留在利息收入资产中。

Now, in order to get users to use PYUSD within the PayPal ecosystem, the company is incentivizing them to buy the stablecoins to help get them to that step.

现在，为了让用户在PayPal生态系统中使用PYUSD，该公司正在激励他们购买稳定的stablecoins，以帮助他们采取这一步骤。

"Stablecoins have the power to reshape the future of commerce as the foundation for the next generation of payments," Alex Chriss, president and CEO of PayPal, said in a statement shared with CNBC. "Combining this innovative technology with our expansive global network allows us to help all users thrive in the world economy."

PayPal总裁兼首席执行官Alex Chriss在与CNBC分享的声明中说：“ Stablecoins有权重塑商业的未来作为下一代付款的基础。” “将这种创新技术与我们广泛的全球网络相结合，使我们能够帮助所有用户在世界经济中蓬勃发展。”

PayPal is committed "to an innovative, commerce-ready ecosystem by enabling it for the settlement of cross border transfers, vendor payments and in the future for additional payment use cases like payouts and bill pay," he added.

他补充说。