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特尔
The de-pegging of TerraUSD (UST) in 2022 led to a cryptocurrency sector collapse, ultimately exposing fraud at FTX and elsewhere.
2022 年 TerraUSD (UST) 的脱钩导致加密货币行业崩溃,最终暴露了 FTX 和其他地方的欺诈行为。
A lot has changed since then, especially as it pertains to the view conventional players in finance and funds maintain about stablecoins.
自那时以来,发生了很多变化,特别是与金融和基金领域的传统参与者对稳定币的看法有关。
Observers across the financial services and technology industry seem to be warming up to blockchain technology and stablecoins. For example, PayPal completed its first business payment, to EY, with its in-house stablecoin, PYUSD, on Thursday (Oct. 3).
金融服务和技术行业的观察家似乎对区块链技术和稳定币越来越感兴趣。例如,PayPal 于周四(10 月 3 日)使用其内部稳定币 PYUSD 完成了向 EY 的第一笔商业付款。
PayPal, which also used its PYUSD token to make a business investment in blockchain company Chaos Labs in September, isn’t alone in its forays into the digital asset space. Swift announced Thursday that it will let banks test tokenized transactions on its global messaging network starting next year.
PayPal 并不是唯一一家涉足数字资产领域的公司,该公司还在 9 月份使用其 PYUSD 代币对区块链公司 Chaos Labs 进行了商业投资。 Swift 周四宣布,从明年开始,银行将在其全球消息网络上测试代币化交易。
Perhaps the biggest news this week was that Visa rolled out a new platform on Thursday for banks to issue fiat-backed tokens, such as stablecoins and tokenized deposits.
也许本周最大的新闻是 Visa 周四推出了一个新平台,供银行发行法定支持的代币,例如稳定币和代币化存款。
The Visa Tokenized Asset Platform (VTAP) is designed to use the payment company’s expertise in technologies like smart contracts to let banks issue and transfer fiat-backed tokens over blockchain networks.
Visa 代币化资产平台(VTAP)旨在利用支付公司在智能合约等技术方面的专业知识,让银行通过区块链网络发行和转移法币支持的代币。
“Visa has been at the forefront of digital payments for nearly 60 years, and with the introduction of VTAP, we’re once again setting the pace for the industry,” Vanessa Colella, global head of innovation and digital partnerships at Visa, said in a press release.
Visa 全球创新与数字合作伙伴关系主管 Vanessa Colella 表示:“近 60 年来,Visa 一直处于数字支付领域的前沿,随着 VTAP 的推出,我们再次引领了行业的步伐。”新闻稿。
The involvement of major industry players like Visa and PayPal indicates a maturation of the stablecoin ecosystem. These heavyweights are not only expanding the use cases for stablecoins but also working on improving their stability and legitimacy, an effort that could mark a shift in how stablecoins are perceived and used in the broader financial world.
Visa、PayPal等主要行业参与者的参与标志着稳定币生态系统的成熟。这些重量级人物不仅扩大了稳定币的用例,还致力于提高其稳定性和合法性,这一努力可能标志着更广泛的金融世界如何看待和使用稳定币。
Read also: Can Stablecoins Spark Crypto Adoption Across Retail and B2B Markets?
另请阅读:稳定币能否激发零售和 B2B 市场的加密货币采用?
The Push Toward Stablecoins in B2B and Beyond
B2B 及其他领域对稳定币的推动
Historically seen as a payment network giant in consumer payments, Visa’s ambitions with stablecoins appear firmly rooted in the B2B space. VTAP is focused on enabling banks to issue stablecoins and handle tokenized deposits, which could have implications for B2B transactions, cross-border payments and the rise of smart contracts.
Visa 历来被视为消费者支付领域的支付网络巨头,其稳定币的野心似乎根植于 B2B 领域。 VTAP 致力于帮助银行发行稳定币并处理代币化存款,这可能会对 B2B 交易、跨境支付和智能合约的兴起产生影响。
Visa’s foray into stablecoins isn’t simply about adding another payment option for consumers but rather enabling a new level of efficiency in large-scale corporate transactions.
Visa 进军稳定币不仅仅是为了为消费者增加另一种支付选择,而是为了将大规模企业交易的效率提高到一个新的水平。
The company’s network scale and established relationships with financial institutions worldwide place it to contribute to the stability and legitimacy of stablecoins. By enabling banks to issue their own stablecoins and integrate tokenized deposits into their systems, Visa could foster widespread adoption, reducing the risk of market panic that often leads to de-pegging events. Moreover, as banks enter the fray with their regulatory frameworks in place, the perception of stablecoins as a reputable asset class may improve.
该公司的网络规模以及与全球金融机构建立的关系使其能够为稳定币的稳定性和合法性做出贡献。通过使银行能够发行自己的稳定币并将代币化存款整合到其系统中,Visa 可以促进广泛采用,降低通常导致脱钩事件的市场恐慌风险。此外,随着银行加入监管框架的竞争,稳定币作为信誉良好的资产类别的认知可能会有所改善。
Visa’s efforts to build an infrastructure for banks to issue stablecoins could create a network effect, where stablecoins issued by trusted institutions reduce the risk of de-pegging and increase consumer trust.
Visa 为银行发行稳定币建立基础设施的努力可能会产生网络效应,由受信任的机构发行的稳定币可以降低脱钩风险并增加消费者信任。
By addressing key pain points in B2B and cross-border transactions, smart contracts and business payments, stablecoins could emerge as a foundational part of the global financial system, all with the backing of some of the most trusted names in finance.
通过解决 B2B 和跨境交易、智能合约和商业支付中的关键痛点,稳定币可能会成为全球金融体系的基础组成部分,所有这些都得到了一些最值得信赖的金融机构的支持。
See also: Stablecoins Surge in Prominence and Utility Across FinTech Ecosystem
另请参阅:稳定币在整个金融科技生态系统中的知名度和实用性激增
Can Scale Bring Stability and Legitimacy?
规模能带来稳定性和合法性吗?
PYMNTS examined the role blockchain technology plays in cross-border payments in a conversation last month with Sheraz Shere, general manager of payments and commerce at Solana Foundation.
PYMNTS 上个月在与 Solana 基金会支付和商务总经理 Sheraz Shere 的对话中探讨了区块链技术在跨境支付中发挥的作用。
“Blockchain solutions and stablecoins — I don’t like to use the term crypto because this is more about FinTech — they’ve found product-market-fit in cross-border payments,” Shere said.
“区块链解决方案和稳定币——我不喜欢使用加密这个词,因为这更多的是关于金融科技——他们在跨境支付中找到了适合市场的产品,”谢尔说。
Financial institutions are also looking at their own stablecoin options for settling transactions and streamlining internal operations. For example, J.P. Morgan Chase is involved in the exploration of blockchain and stablecoins, but its focus is primarily on wholesale banking transactions. The bank’s JPM Coin, designed for institutional clients, is a stablecoin that helps expedite large-scale, cross-border payments and transactions between the bank and its corporate customers.
金融机构也在寻找自己的稳定币选择来结算交易和简化内部运营。例如,摩根大通参与了区块链和稳定币的探索,但其重点主要是批发银行交易。该银行的 JPM Coin 是专为机构客户设计的一种稳定币,有助于加快银行与其企业客户之间的大规模跨境支付和交易。
The path to mainstream adoption of blockchain solutions will depend heavily on regulatory clarity and how well these companies can maintain their stablecoins’ pegs to underlying assets. If they succeed, stablecoins could become a permanent fixture in B2B and consumer payments.
区块链解决方案的主流采用之路将在很大程度上取决于监管的清晰度以及这些公司能否很好地维持其稳定币与基础资产的挂钩。如果成功,稳定币可能会成为 B2B 和消费者支付的永久固定手段。
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