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Stripe 以 11 亿美元收购了 Bridge。让我解释一下为什么这家公司值得关注,即使你可能从未听说过它。
Stripe is making a big bet on stablecoins. Earlier this year, Stripe co-founders showed how to accept stablecoins on Solana via Phantom. They have also launched payment and receipt features for cryptocurrencies, enabling any U.S. merchant to accept stablecoins like USDC and settle in dollars.
Stripe 在稳定币上下了很大的赌注。今年早些时候,Stripe 联合创始人展示了如何通过 Phantom 在 Solana 上接受稳定币。他们还推出了加密货币的支付和收款功能,使任何美国商家都可以接受 USDC 等稳定币并以美元结算。
Even during bear markets, trading volumes for stablecoins continue to rise, coupled with support from efficient blockchains like Solana/Base, giving them confidence in the market adaptability of stablecoins.
即使在熊市期间,稳定币的交易量也持续上升,再加上 Solana/Base 等高效区块链的支持,让他们对稳定币的市场适应性充满信心。
These will become some of the most iconic statements in financial history:
这些将成为金融史上最具标志性的声明:
"Stablecoins are the room-temperature superconductors of financial services."
“稳定币是金融服务的室温超导体。”
Why did Stripe choose stablecoins?
Stripe 为什么选择稳定币?
Currently, Stripe is just a payment gateway that relies on networks like Visa and Mastercard:
目前,Stripe 只是一个依赖于 Visa 和 Mastercard 等网络的支付网关:
- Charging an additional fee of about 1-3%
- 收取约1-3%的额外费用
- Relying on banks and local partners
- 依赖银行和当地合作伙伴
- Low authorization rates
- 授权率低
Stablecoins can eliminate all intermediaries, allowing Stripe to control the entire tech stack.
稳定币可以消除所有中介机构,使 Stripe 能够控制整个技术堆栈。
However, to enable Stripe to control the stablecoin tech stack, they need to build:
然而,为了使 Stripe 能够控制稳定币技术堆栈,他们需要构建:
- On/Off ramps (converting fiat to cryptocurrency)
- 开/关坡道(将法定货币转换为加密货币)
- Stablecoin issuance (for example, Tether makes $10 billion in profit annually)
- 稳定币发行(例如,Tether 年利润 100 亿美元)
- Complex stablecoin infrastructure (involving over 20 blockchains, more than 10 stablecoins, etc.)
- 复杂的稳定币基础设施(涉及20多个区块链、10多个稳定币等)
They could spend years building these, or achieve it directly through acquisition.
他们可以花费数年时间来构建这些,或者直接通过收购来实现。
Introducing Bridge
桥介绍
Founded in 2022 by two successful entrepreneurs (whose previous company was acquired by Square), with the founding team including former Brex Chief Product Officer ZC Abrams and Airbnb engineer Sean. Their vision is to create various types of stablecoin APIs.
由两位成功企业家(其之前的公司已被 Square 收购)于 2022 年创立,创始团队包括前 Brex 首席产品官 ZC Abrams 和 Airbnb 工程师 Sean。他们的愿景是创建各种类型的稳定币 API。
Initially, they operated by helping businesses accept stablecoin payments and build stablecoin infrastructure (similar to Stripe's approach in traditional finance).
最初,他们的运作方式是帮助企业接受稳定币支付并建立稳定币基础设施(类似于 Stripe 在传统金融中的做法)。
In 2023, they secured an undisclosed seed funding round (estimated at around $18 million, led by Sequoia).
2023 年,他们获得了一轮未公开的种子资金(估计约为 1800 万美元,由红杉资本领投)。
Over the past two and a half years, they have developed the following APIs:
在过去两年半的时间里,他们开发了以下 API:
- Orchestration (On/Off ramp conversion, i.e., converting any form of dollars into another form, such as converting USDC on Solana to USD)
- 编排(On/Off 转换,即将任何形式的美元转换为另一种形式,例如将 Solana 上的 USDC 转换为美元)
- Issuance (minting stablecoins and investing reserves)
- 发行(铸造稳定币和投资储备)
They have completed over $5 billion in transaction volume for the following clients:
他们已为以下客户完成了超过 50 亿美元的交易额:
- Stablecoin fintech applications, such as Getdolarapp (virtual accounts provided by Leeds Bank)
- 稳定币金融科技应用程序,例如 Getdolarapp(利兹银行提供的虚拟账户)
- Global financial operations (like SpaceX and the U.S. government)
- 全球金融运作(如 SpaceX 和美国政府)
- Payment services (such as Scale_AI paying its contractors)
- 支付服务(例如 Scale_AI 向其承包商付款)
They support the operation of many on/off ramps and cryptocurrency cards.
它们支持许多进/出坡道和加密货币卡的操作。
Who are their competitors?
他们的竞争对手是谁?
There are many!
有许多!
- ZeroHashX (larger scale but lacks credibility)
- ZeroHashX(规模更大但缺乏可信度)
- Brale_xyz and Paxos (stablecoin issuance; Paxos assisted in issuing PayPal's PYUSD)
- Brale_xyz和Paxos(稳定币发行;Paxos协助发行PayPal的PYUSD)
- CoinflowLabs
- CoinflowLabs
And any vendor providing on/off ramps and stablecoin infrastructure.
以及任何提供上下坡道和稳定币基础设施的供应商。
Why choose Bridge?
为什么选择桥?
- Prioritizing APIs; integrating with Stripe's tech stack
- 优先考虑 API;与 Stripe 的技术堆栈集成
- Acquiring potential competitors (e.g., integrating stablecoin fintech companies that plan to disrupt Stripe)
- 收购潜在竞争对手(例如,整合计划颠覆 Stripe 的稳定币金融科技公司)
- Offering complementary products (like treasury services with stablecoin issuance, BaaS with cryptocurrency acceptance)
- 提供补充产品(例如发行稳定币的财务服务、接受加密货币的 BaaS)
- Sharing common investors: Sequoia and tech founders in San Francisco
- 共享共同投资者:红杉资本和旧金山的科技创始人
- Having a concise social media username @stablecoin
- 拥有简洁的社交媒体用户名@stablecoin
Thanks to Gizmothegizzer for the contribution.
感谢 Gizmothegizzer 的贡献。
So, why spend $1.1 billion?
那么,为什么要花费 11 亿美元呢?
Mainly because of the strong team—founders who have held leadership roles or worked at top startups like Airbnb, Brex, Coinbase, and Square—they are the best candidates to lead "Stripe's crypto infrastructure."
主要是因为团队强大——创始人曾担任过领导职务或曾在 Airbnb、Brex、Coinbase 和 Square 等顶级初创公司工作过——他们是领导“Stripe 的加密基础设施”的最佳人选。
Licenses, products, market appeal, and customer base
许可证、产品、市场吸引力和客户群
I suspect this deal will be primarily equity-based rather than cash-based.
我怀疑这笔交易将主要以股权为基础,而不是以现金为基础。
From a strategic perspective, acquiring Bridge helps to:
从战略角度来看,收购 Bridge 有助于:
- Compete more quickly with crypto-friendly giants like BlackRock, Revolut, and PayPal
- 更快地与 BlackRock、Revolut 和 PayPal 等加密货币友好巨头竞争
- Achieve 24/7 operations globally; break through the limitations of localized payment systems (Stripe has faced significant challenges in expanding to long-tail markets like Asia and Latin America)
- 实现全球24/7全天候运营;突破本地化支付系统的限制(Stripe在向亚洲、拉丁美洲等长尾市场拓展时面临重大挑战)
What’s next for Stripe? My guess:
Stripe 的下一步是什么?我的猜测:
→ Continue supporting on/off ramps and acceptance of cryptocurrencies, while mastering Bridge's APIs
→ 继续支持上/下坡道和加密货币的接受,同时掌握 Bridge 的 API
→ Deepen the development of stablecoin infrastructure (enabling global fintech companies to launch stablecoins, and possibly even issuing their own stablecoin STUSD to fully control the ecosystem)
→ 深化稳定币基础设施的发展(使全球金融科技公司能够推出稳定币,甚至可能发行自己的稳定币 STUSD 以完全掌控生态系统)
→ Advocate for stablecoin payments, allowing every convenience store to accept stablecoins
→ 倡导稳定币支付,让每个便利店都接受稳定币
As a stablecoin enthusiast, I believe this is good news for the cryptocurrency market:
作为稳定币爱好者,我相信这对于加密货币市场来说是个好消息:
- This is the largest cryptocurrency acquisition ever (more M&A activity is expected)
- 这是有史以来最大的加密货币收购(预计会有更多并购活动)
- It is also Stripe's largest acquisition (showing a grand vision
- 这也是Stripe最大的一笔收购(展现了宏伟的愿景
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