PayPal 撤销 NFT 保护，让买家和卖家面临更大的风险

PayPal 以行业不确定性为由，撤销了对超过 10,000 美元的不可替代代币 (NFT) 的用户保护。此次政策更新将 NFT 排除在卖家和购买保护计划之外，使买家和卖家面临更大的风险。此举正值 NFT 交易量复苏之际，但尽管 PayPal 此前曾试图将自己打造成 NFT 盟友，但对该行业的兴趣降温是显而易见的。

PayPal Withdraws Non-Fungible Token (NFT) Protection, Exposing Buyers and Sellers to Elevated Risk

PayPal 撤销不可替代代币 (NFT) 保护，使买家和卖家面临更高的风险

Online payment behemoth PayPal (NASDAQ: PYPL) has recently announced a policy update that revokes its buyer and seller protection for non-fungible tokens (NFTs) valued at or exceeding $10,000.

在线支付巨头 PayPal（纳斯达克股票代码：PYPL）最近宣布了一项政策更新，取消了对价值等于或超过 10,000 美元的不可替代代币（NFT）的买家和卖家的保护。

This change, which was discreetly implemented on the PayPal website on March 21, removes NFTs from the Seller Protection Program, thus reversing a previous policy and exposing participants in NFT transactions to increased risk.

这一变化于 3 月 21 日在 PayPal 网站上谨慎实施，将 NFT 从卖家保护计划中删除，从而扭转了之前的政策，并使 NFT 交易的参与者面临更大的风险。

Under the revised policy, PayPal categorically excludes NFT sales where the transaction amount surpasses $10,000. Transactions below this threshold will continue to be covered by PayPal's protection, "unless the buyer claims it was an Unauthorized Transaction and the transaction meets all other eligibility requirements."

根据修改后的政策，PayPal明确排除交易金额超过10,000美元的NFT销售。低于此阈值的交易将继续受到 PayPal 的保护，“除非买家声称这是未经授权的交易并且该交易符合所有其他资格要求。”

Additionally, PayPal has removed all NFT transactions, irrespective of their value, from its Purchase Protection Program.

此外，PayPal 已从其购买保护计划中删除了所有 NFT 交易，无论其价值如何。

In a statement provided to a media outlet, a PayPal spokesperson attributed the policy revisions to the inherent risk associated with the NFT industry.

在向媒体提供的一份声明中，PayPal 发言人将政策修改归因于与 NFT 行业相关的固有风险。

"Given the uncertainty around proof of order [fulfillment] and other variables in this evolving industry, we are no longer providing buyer protection and are limiting seller protection for NFTs," the spokesperson elaborated.

“鉴于订单证明 [履行] 的不确定性以及这个不断发展的行业中的其他变量，我们不再为 NFT 提供买方保护，并限制卖方保护，”发言人解释道。

Previously, PayPal's protection programs provided a safety net for NFT buyers, enabling them to seek refunds if they purchased tokens through PayPal that failed to meet their advertised description or were never delivered. Sellers could also recoup losses stemming from payment disputes or fraudulent refund requests.

此前，PayPal 的保护计划为 NFT 买家提供了安全网，如果他们通过 PayPal 购买的代币不符合广告描述或从未交付，他们可以寻求退款。卖家还可以弥补因付款纠纷或欺诈性退款请求而造成的损失。

PayPal's decision to scale back its NFT protection coincides with a resurgence in NFT trading volume after a significant decline in 2023. Data from Crypto Slam reveals that since October, the NFT market has gradually rebounded as the broader digital currency market embarked on a bullish trend. However, trading volume has exhibited a downward trajectory since the start of the year.

PayPal 决定缩减 NFT 保护力度，恰逢 NFT 交易量在 2023 年大幅下降后出现回升。Crypto Slam 的数据显示，自 10 月份以来，随着整体数字货币市场走上看涨趋势，NFT 市场逐渐反弹。然而，自今年年初以来，交易量呈现下降趋势。

PayPal's announcement also suggests a potential waning of interest in NFTs from the company, despite its previous attempts to position itself as an ally in the NFT ecosystem. In 2022, PayPal filed a patent with the United States Patent and Trademark Office (USPTO) for an NFT marketplace that would facilitate the listing and trading of tokens representing a wide range of assets, including art, music, event tickets, images, and property deeds.

PayPal 的声明还表明，尽管该公司之前曾试图将自己定位为 NFT 生态系统的盟友，但该公司对 NFT 的兴趣可能会减弱。 2022 年，PayPal 向美国专利商标局 (USPTO) 申请了 NFT 市场专利，该市场将促进代表各种资产的代币的上市和交易，包括艺术、音乐、活动门票、图像和财产行为。

Despite its initial foray into the NFT space, PayPal's NFT-related initiatives have not kept pace with its continued investments in other blockchain products, such as stablecoins and digital currencies.

尽管 PayPal 最初涉足 NFT 领域，但其 NFT 相关举措并未跟上其对稳定币和数字货币等其他区块链产品的持续投资步伐。

Experts and industry observers are closely monitoring PayPal's strategic shift, anticipating its implications for the broader NFT market. Some analysts speculate that PayPal's withdrawal of NFT protection could signal a broader trend of established financial institutions becoming more cautious in their approach to digital assets.

专家和行业观察家正在密切关注 PayPal 的战略转变，预测其对更广泛的 NFT 市场的影响。一些分析师推测，PayPal 撤销 NFT 保护可能预示着成熟金融机构在对待数字资产方面变得更加谨慎的更广泛趋势。

As the NFT industry continues to evolve and mature, it remains to be seen how this policy change by PayPal will impact the ecosystem's growth and development.

随着NFT行业的不断发展和成熟，PayPal的这一政策变化将如何影响生态系统的成长和发展还有待观察。