Visa 反垄断案可能会让人们重新燃起在 BSV 区块链上构建竞争对手支付处理器的兴趣

这个时机是有利的——随着 Teranode 将于 2025 年初上线，Visa 反垄断案可能会让人们重新燃起在 BSV 区块链之上构建竞争对手支付处理器的兴趣。

A recent antitrust complaint filed by the U.S. Department of Justice (DOJ) against payments giant Visa (NASDAQ: V) could have implications for Bitcoin (CRYPTO: BTC) as an electronic cash system.

美国司法部 (DOJ) 最近针对支付巨头 Visa（纳斯达克股票代码：V）提起的反垄断诉讼可能会对作为电子现金系统的比特币（CRYPTO：BTC）产生影响。

Here's a breakdown of what the DOJ complaint entails and how it might relate to Bitcoin:

以下是司法部投诉的具体内容以及它与比特币的关系：

DOJ Antitrust Complaint Against Visa:

DOJ 针对 Visa 的反垄断投诉：

The complaint, filed in a New York federal court on September 24, alleges that Visa engages in anti-competitive practices to maintain its dominance in the debit card market. It claims that Visa, which handles 60% of all U.S. debit transactions, uses exclusivity agreements, fines against partner merchants, and its vast resources to deter potential competitors.

该诉状于 9 月 24 日向纽约联邦法院提起，指控 Visa 从事反竞争行为，以维持其在借记卡市场的主导地位。它声称，Visa 处理着美国 60% 的借记卡交易，它利用排他性协议、对合作商家的罚款以及其庞大的资源来阻止潜在的竞争对手。

According to the DOJ, these practices lead to higher customer prices, as merchants pass on the increased costs to consumers. Visa reportedly earned $18.3 billion in 2023, showing a 14% year-over-year increase in its revenue.

美国司法部表示，这些做法导致消费者价格上涨，因为商家将增加的成本转嫁给了消费者。据报道，Visa 2023 年收入为 183 亿美元，收入同比增长 14%。

Visa has denied the allegations, stating that it operates in a competitive market and that its practices benefit consumers by providing them with lower prices, greater convenience, and more choices.

Visa否认了这些指控，称其在竞争激烈的市场中运营，其做法通过为消费者提供更低的价格、更大的便利和更多的选择而使消费者受益。

Implications for Bitcoin:

对比特币的影响：

While the DOJ complaint may not directly impact Bitcoin, it does have broader implications for the cryptocurrency's role as an electronic cash system.

虽然司法部的投诉可能不会直接影响比特币，但它确实对加密货币作为电子现金系统的作用产生了更广泛的影响。

For years, blockchain entrepreneurs and experts have worked to scale Bitcoin so it can function as a global peer-to-peer cash network, as envisioned by Satoshi Nakamoto. With Teranode scaling BSV to over a million transactions per second (TPS), the mainnet is nearing the capacity for such a system.

多年来，区块链企业家和专家一直致力于扩大比特币的规模，使其能够像中本聪所设想的那样充当全球点对点现金网络。随着 Teranode 将 BSV 扩展到每秒超过一百万笔交易 (TPS)，主网已接近此类系统的容量。

In 2023, Visa processed 212.6 billion transactions—a staggering volume. However, with Teranode, BSV will be capable of handling that transaction load in just 212,600 seconds, or 59.05 hours. This means BSV could effortlessly process all of Visa's annual transactions.

2023 年，Visa 处理了 2126 亿笔交易，数量惊人。然而，借助 Teranode，BSV 将能够在短短 212,600 秒（即 59.05 小时）内处理该交易负载。这意味着 BSV 可以轻松处理 Visa 的所有年度交易。

Could Blockchain-Based Payment Systems Be on the Horizon?

基于区块链的支付系统即将出现吗？

This timing could spark renewed interest in building alternative payment processors on the BSV blockchain, especially considering Visa's alleged anti-competitive practices.

这一时机可能会重新激发人们对在 BSV 区块链上构建替代支付处理器的兴趣，特别是考虑到 Visa 涉嫌的反竞争行为。

If these practices are addressed, merchants may seek out new, low-fee options. And with the MNEE stablecoin eliminating the need for volatile digital currencies at the wallet level, the stage is set for a blockchain-based Visa competitor to emerge.

如果这些做法得到解决，商家可能会寻求新的低费用选择。随着 MNEE 稳定币消除了钱包层面对波动性数字货币的需求，基于区块链的 Visa 竞争对手的出现已经做好了准备。

While such an endeavor would require time and effort to build and gain adoption, the path is now clear for creating a low-cost, scalable alternative to Visa. Such a system would not only save merchants a substantial amount on transaction fees and dreaded chargebacks but also enable them to process even the smallest payments, potentially leading to an economic boom.

虽然这样的努力需要时间和精力来构建和获得采用，但现在创建低成本、可扩展的 Visa 替代方案的道路已经明确。这样的系统不仅可以为商家节省大量交易费用和可怕的退款，而且还使他们能够处理哪怕是最小的付款，从而有可能带来经济繁荣。

Here's how: When customers can make payments in USD micropayments, it opens up a whole realm of possibilities for innovation. For instance, paying a few cents to access a Wall Street Journal news article could eliminate paywalls and outdated subscription models.

具体方法如下：当客户可以用美元小额支付进行支付时，这就开启了整个创新的可能性。例如，支付几美分即可访问《华尔街日报》的新闻文章可以消除付费墙和过时的订阅模式。

Furthermore, it would integrate many people and use cases into online and offline commerce, which are currently locked out by Visa's $0.04 minimum transaction fee. In-app payments, online tipping, and IoT machine-to-machine payments could pave the way for a new economy.

此外，它将把许多人和用例整合到线上和线下商务中，而这些商务目前被 Visa 0.04 美元的最低交易费所限制。应用内支付、在线小费和物联网机器对机器支付可以为新经济铺平道路。

Kudos to the DOJ for considering the startups and entrepreneurs striving to compete against these giants, not to mention the merchants who must pay their hefty dues! Hopefully, the BSV blockchain will play a part in ushering in the next generation of low-fee, fast-settlement payment systems to rival the antiquated giants who have monopolized the market for far too long.

感谢司法部考虑到努力与这些巨头竞争的初创公司和企业家，更不用说必须支付巨额会费的商人了！希望 BSV 区块链将在引入下一代低费用、快速结算的支付系统方面发挥作用，以与长期垄断市场的过时巨头相竞争。