稳定币：弥合金融鸿沟，连接 TradFi 和加密货币

随着 Ripple 宣布计划推出一种与美元 1:1 挂钩、由现金储备支持并由第三方审计的稳定币，稳定币的采用继续激增。该市场目前价值 1500 亿美元，预计到 2028 年将超过 2.8 万亿美元。PayPal 还在扩大其稳定币产品，允许美国 Xoom 用户将 PayPal 美元兑换成美元，以降低费用进行跨境汇款。

Stablecoins: Bridging the Gap Between Traditional Finance and Crypto

稳定币：弥合传统金融与加密货币之间的差距

The stablecoin market, a cornerstone of real-world asset (RWA) tokenization, continues to expand rapidly, attracting the attention of major players in both the traditional financial and cryptocurrency sectors. Ripple, the company behind the XRP digital asset, recently announced plans to launch its own stablecoin, pegged 1:1 to the U.S. dollar.

稳定币市场作为现实世界资产（RWA）代币化的基石，持续快速扩张，吸引了传统金融和加密货币领域主要参与者的关注。 XRP 数字资产背后的公司 Ripple 最近宣布计划推出自己的稳定币，与美元 1:1 挂钩。

This move by Ripple underscores the growing importance of stablecoins, which offer a unique combination of stability and liquidity. They derive their value from a stable asset, typically a fiat currency like the U.S. dollar, making them less volatile than other cryptocurrencies. This stability, coupled with the convenience of blockchain technology, has fueled their adoption for a wide range of use cases, from cross-border payments to decentralized finance (DeFi).

Ripple 的这一举动凸显了稳定币日益增长的重要性，稳定币提供了稳定性和流动性的独特组合。它们的价值来自稳定资产，通常是美元等法定货币，这使得它们比其他加密货币波动性更小。这种稳定性加上区块链技术的便利性，推动了从跨境支付到去中心化金融（DeFi）等广泛用例的采用。

Ripple's Stablecoin: A Bridge to the XRP Ecosystem

Ripple 的稳定币：通往 XRP 生态系统的桥梁

Ripple's stablecoin is expected to launch later this year, subject to regulatory approval. It will be fully backed by U.S. dollar deposits, short-term U.S. government treasuries, and other cash equivalents. These reserve assets will be audited by a third-party accounting firm, and Ripple will publish monthly attestations to ensure transparency and accountability.

Ripple 的稳定币预计将于今年晚些时候推出，但需获得监管部门的批准。它将得到美元存款、短期美国政府国债和其他现金等价物的全额支持。这些储备资产将由第三方会计师事务所进行审计，Ripple 将每月发布证明以确保透明度和问责制。

Initially available on the XRP Ledger and Ethereum blockchains, Ripple plans to gradually expand the stablecoin's presence to additional blockchains and DeFi protocols. This strategic move will leverage the XRP Ledger's native capabilities, including a decentralized exchange and automated market maker, which are designed to utilize XRP as the bridge asset.

Ripple 最初在 XRP Ledger 和以太坊区块链上提供，并计划逐步将稳定币的存在扩展到其他区块链和 DeFi 协议。这一战略举措将利用 XRP Ledger 的原生功能，包括去中心化交易所和自动化做市商，这些功能旨在利用 XRP 作为桥梁资产。

PayPal Enters the Stablecoin Arena for Cross-Border Transactions

PayPal进军稳定币跨境交易领域

PayPal, the global payments giant, is also making waves in the stablecoin space. The company's Xoom cross-border money transfer service now allows U.S. users to fund transfers using PayPal's own stablecoin, PayPal USD (PYUSD). This innovative feature enables Xoom users to easily convert PYUSD into USD and use it as a funding source for international remittances to over 160 countries worldwide.

全球支付巨头PayPal也在稳定币领域掀起波澜。该公司的 Xoom 跨境汇款服务现在允许美国用户使用 PayPal 自己的稳定币 PayPal USD (PYUSD) 进行资金转账。这一创新功能使 Xoom 用户能够轻松地将 PYUSD 兑换成美元，并将其用作向全球 160 多个国家/地区进行国际汇款的资金来源。

According to the World Bank, the global average cost of sending a remittance of $200 is over 6%. PayPal's integration of PYUSD aims to address this issue by providing a cost-effective option for cross-border payments.

根据世界银行的数据，汇款 200 美元的全球平均成本超过 6%。 PayPal 整合 PYUSD 旨在通过为跨境支付提供经济高效的选择来解决这一问题。

Stablecoins: A Catalyst for Mainstream Adoption of Cryptocurrencies

稳定币：加密货币主流采用的催化剂

As the stablecoin market matures, it is poised to play a pivotal role in driving mainstream adoption of cryptocurrencies. By offering a stable value, they reduce the barriers to entry for users who may be hesitant to invest in more volatile digital assets.

随着稳定币市场的成熟，它将在推动加密货币的主流采用方面发挥关键作用。通过提供稳定的价值，它们降低了那些可能对投资波动性较大的数字资产犹豫不决的用户的进入壁垒。

PayPal's move to integrate PYUSD into its Xoom platform demonstrates the growing acceptance of stablecoins within the traditional financial ecosystem. This integration provides a tangible use case for stablecoins, making them more accessible to a broader audience.

PayPal 将 PYUSD 整合到其 Xoom 平台的举动表明，稳定币在传统金融生态系统中的接受度不断提高。这种集成为稳定币提供了切实的用例，使更广泛的受众更容易使用它们。

A Bright Future for Stablecoins

稳定币的光明未来

The future of stablecoins looks promising, with continued growth expected in the coming years. Market projections indicate that the stablecoin market could exceed $2.8 trillion by 2028, signaling the immense potential of this asset class.

稳定币的未来看起来充满希望，预计未来几年将持续增长。市场预测表明，到 2028 年，稳定币市场可能会超过 2.8 万亿美元，这表明该资产类别的巨大潜力。

As stablecoins gain wider adoption, they are likely to continue to serve as a bridge between traditional finance and crypto, fostering innovation and unlocking new opportunities for both individuals and institutions. The recent initiatives by Ripple and PayPal underscore the commitment of major players to the growth and development of the stablecoin ecosystem.

随着稳定币得到更广泛的采用，它们可能会继续充当传统金融和加密货币之间的桥梁，促进创新并为个人和机构释放新的机会。 Ripple 和 PayPal 最近的举措凸显了主要参与者对稳定币生态系统增长和发展的承诺。