传统的金融惯性阻碍了加密的采用

尽管区块链技术有望彻底改变全球金融，但加密货币的支付在获得吸引力的同时，仍然是整个市场的一小部分。

Petr Kozyakov, co-founder and CEO of payment infrastructure platform Mercuryo, sees trust in traditional finance, despite its inefficiencies, as creating hesitancy among businesses and regulators regarding stablecoins.

Petr Kozyakov是付款基础设施平台Mercuryo的联合创始人兼首席执行官，尽管其效率低下，但仍认为对传统金融的信任是在企业和监管机构对Stablecoins的犹豫。

This observation follows a discussion on the persistent challenges faced by cryptocurrency payments in gaining mainstream adoption, despite early predictions of blockchain technology revolutionizing global finance.

该观察结果是关于加密货币支付在获得主流采用方面面临的持续挑战的讨论，尽管有早期预测区块链技术革新了全球金融。

While cryptocurrency payments are steadily increasing, they still represent a small portion of the overall market. Industry experts have pointed to a combination of traditional financial inertia, crypto price volatility, and regulatory uncertainty as key factors hindering this broader adoption.

尽管加密货币支付稳步增长，但它们仍然代表着整体市场的一小部分。行业专家指出，传统的财务惯性，加密价格波动和监管不确定性是阻碍这种广泛采用的关键因素。

Highlighting these challenges, Kozyakov stated, “It boils down to a mix of inertia and uncertainty. Traditional finance has been around forever and people trust it, even if it’s slow and expensive. Cryptocurrency, especially stablecoins, are still comparatively new and that makes businesses and regulators nervous.”

Kozyakov指出：“这归结为惯性和不确定性的混合。传统的财务一直存在，即使它缓慢而昂贵。加密货币，尤其是StableCoins，尤其是比较的，这仍然是新的，并且使企业和调节器紧张。”

This assessment aligns with recent reports analyzing the crypto payment landscape. Marketer Linda Roper wrote in a blog post that while some level of resistance to change is normal, it can be damaging when it stops a finance team from broadening its horizons and thinking outside the box.

该评估与分析加密支付格局的最新报告保持一致。营销人员琳达·罗珀（Linda Roper）在博客文章中写道，尽管某种程度的变化阻力是正常的，但是当它阻止财务团队扩大其视野并在框外思考时，它可能会造成损害。

Moreover, a recent survey by Bitget among 1,078 Web3 users found that while users prefer crypto payments for speed, security concerns remain a key barrier.

此外，在1,078个Web3用户中，BITGET最近进行的一项调查发现，尽管用户更喜欢加密货币付费以速度付出的速度，但安全问题仍然是关键障碍。

Lack of a unified global regulatory framework also creates a complex landscape for businesses operating in the crypto space. However, proponents argue that the cryptocurrency payment landscape has evolved with significant advancements in security and scalability, which in turn pave the way for mainstream business adoption.

缺乏统一的全球监管框架也为在加密货币领域运营的企业创造了复杂的景观。但是，支持者认为，加密货币支付格局在安全性和可扩展性方面的显着进步而发展，这反过来又为主流业务采用铺平了道路。

Kozyakov, a veteran in the payments industry, concurs and adds that the crypto space has reached a crucial turning point, fueled by technological improvements and growing user confidence.

付款行业的资深人士Kozyakov同意并补充说，加密货币空间已经达到了一个关键的转折点，这是由于技术的改进和用户信心的增长所推动的。

“We’re definitely getting there,” Kozyakov said, addressing the question of whether mainstream businesses can now confidently accept crypto payments. He told Bitcoin.com News about the dramatic improvements in security, particularly in Web3 protocols and custody solutions.

“我们肯定到达那里了，”科兹亚科夫说，他解决了主流企业现在是否可以自信地接受加密货币的问题。他向Bitcoin.com讲述了有关安全性的巨大改进，尤其是Web3协议和监护权解决方案。

“Think about how much stronger [they] are compared to five years ago, when network outages—sometimes for hours at a time—were the norm and were tolerated.”

“考虑一下与五年前相比，当网络中断（有时一次是几个小时）被规范和容忍的时候。”

Kozyakov also pointed to the significant strides made in scalability, thanks to Layer 2 solutions and high-speed networks. But he said the most crucial shift is user acceptance.

Kozyakov还指出，由于第2层解决方案和高速网络，Kozyakov在可伸缩性方面取得了重要成就。但是他说，最关键的转变是用户接受。

“People are more comfortable with digital wallets, and as education spreads, the hesitation to engage with crypto fades.”

“人们对数字钱包更加满意，随着教育的传播，人们犹豫不决地与加密货币褪色。”

Mercuryo’s crypto integration journey has spanned several years, and the company has encountered unique challenges in promoting mainstream adoption of crypto payments.

Mercuryo的加密整合旅程已经跨越了几年，该公司在促进主流采用加密货币付款方面遇到了独特的挑战。

Kozyakov’s insights provide valuable perspectives on the evolving landscape of cryptocurrency payments and the key factors that will shape its future. As technology continues to advance and regulatory frameworks become more defined, we can expect to see even greater integration of cryptocurrencies into the mainstream business sector.

Kozyakov的见解提供了有关加密货币支付不断发展的景观以及影响其未来的关键因素的宝贵观点。随着技术的不断发展和监管框架变得更加明确，我们可以期望将加密货币更大的整合到主流商业领域。