稳定币正在成为一种通用支付方式，基金会正在形成

所有流通中的稳定币总价值超过 2000 亿美元——这一数字相当于新西兰或希腊的国内生产总值 (GDP)

The foundation is forming for stablecoins to become a universal payment method, Chris Colson, payments expert at the Federal Reserve Bank of Atlanta, wrote in a Monday (Jan. 13) blog post.

亚特兰大联邦储备银行支付专家 Chris Colson 在周一（1 月 13 日）的博客文章中写道，稳定币成为通用支付方式的基础正在形成。

When I first heard about stablecoins, they were a niche tool for crypto traders seeking to avoid volatile price swings, Colson wrote. Today, stablecoins are moving into the mainstream and showing up in unexpected places like food delivery services, gas stations and retailers.

科尔森写道，当我第一次听说稳定币时，它们是加密货币交易者寻求避免价格波动的利基工具。如今，稳定币正在进入主流，并出现在食品配送服务、加油站和零售商等意想不到的地方。

As examples of this trend, Colson pointed to retailers like Overstock, Chipotle, Whole Foods and GameStop accepting stablecoins; Stripe enabling merchants to accept USD Coin (USDC); Regal Cinema offering a 10% discount for USDC payments; Travala letting users book travel services with USDC or USDT; and Bitrefill enabling customers with gift cards purchased with stablecoins to shop at some merchants that don’t directly accept digital assets.

作为这一趋势的例子，科尔森指出 Overstock、Chipotle、Whole Foods 和 GameStop 等零售商接受稳定币； Stripe 使商家能够接受美元硬币 (USDC)； Regal Cinema 为 USDC 付款提供 10% 折扣； Travala允许用户使用USDC或USDT预订旅行服务； Bitrefill 使使用稳定币购买礼品卡的客户能够在一些不直接接受数字资产的商家处购物。

So why are businesses suddenly embracing stablecoins? They reduce transaction fees, settle almost immediately and attract crypto-savvy customers, helping businesses stay competitive in a digital-first world, Colson wrote.

那么为什么企业突然拥抱稳定币呢？科尔森写道，它们降低了交易费用，几乎立即结算并吸引了精通加密货币的客户，帮助企业在数字优先的世界中保持竞争力。

The total value of all stablecoins in circulation exceeds $200 billion — a figure that is comparable to the gross domestic product (GDP) of New Zealand or Greece, he wrote.

他写道，所有流通中的稳定币总价值超过 2000 亿美元，这一数字相当于新西兰或希腊的国内生产总值 (GDP)。

While the future of stablecoins as a payment method is still unfolding and uncertain, these developments are helping to establish them as a payment method, Colson wrote.

科尔森写道，虽然稳定币作为一种支付方式的未来仍在发展和不确定，但这些发展正在帮助将其确立为一种支付方式。

Stablecoins are emerging as a powerful tool bridging the gap between traditional financial technology and the world of cryptocurrencies, PYMNTS reported in October. Their ability to offer the efficiency and transparency of blockchain technology while providing the familiarity and stability of fiat currencies is critical for integrating blockchain-based assets into mainstream financial systems.

PYMNTS 在 10 月份报道称，稳定币正在成为弥合传统金融技术与加密货币世界之间差距的强大工具。它们能够提供区块链技术的效率和透明度，同时提供法定货币的熟悉性和稳定性，这对于将基于区块链的资产集成到主流金融系统至关重要。

For banks, stablecoins have emerged as a way to stand up the crypto and FinTech innovation their clients desire, FV Bank CEO Miles Paschini told PYMNTS in an interview posted Tuesday (Jan. 14).

FV 银行首席执行官迈尔斯·帕斯基尼 (Miles Paschini) 在周二（1 月 14 日）发布的采访中告诉 PYMNTS，对于银行来说，稳定币已成为支持客户所需的加密货币和金融科技创新的一种方式。

This isn’t about replacing existing systems. It’s about providing an additional option, Paschini said. Where stablecoins offer superior benefits, customers will naturally gravitate toward them.

这并不是要更换现有系统。帕斯基尼说，这是为了提供额外的选择。当稳定币提供卓越的好处时，客户自然会被它们所吸引。

When Stripe began allowing its merchants to accept stablecoin payments for online transactions on its platform, it saw customers from more than 70 countries make purchases with that form of payment in the first 24 hours.

当 Stripe 开始允许其商家在其平台上接受稳定币支付进行在线交易时，发现来自 70 多个国家/地区的客户在最初 24 小时内就使用这种支付方式进行了购买。