Visa 通过借记卡向 Coinbase 提供快速加密货币存款服务

很快，加密平台的用户将能够利用某些选定的卡轻松存入或提取资金。

Payments giant Visa has announced a partnership with major crypto exchange Coinbase to facilitate faster deposits and withdrawals via debit cards.

支付巨头 Visa 宣布与主要加密货币交易所 Coinbase 建立合作伙伴关系，以促进通过借记卡更快的存款和取款。

The integration will enable millions of Coinbase customers to seamlessly buy or sell crypto using debit cards and the Visa Direct network.

此次整合将使数百万 Coinbase 客户能够使用借记卡和 Visa Direct 网络无缝地购买或出售加密货币。

Initially, the service will be available only to users in the United States and the European Union.

最初，该服务仅向美国和欧盟的用户提供。

According to the press release, the partnership aims to enhance onboarding opportunities into the crypto space, especially considering the recent challenges in FIAT integration due to regulatory complexities.

根据新闻稿，该合作伙伴关系旨在增加进入加密货币领域的机会，特别是考虑到最近由于监管复杂性而导致法币整合面临的挑战。

With Visa's presence, cash-outs to bank accounts and transfers to exchanges will become faster, offering traders of crypto products a new layer of convenience.

有了 Visa 的存在，向银行账户提现和向交易所转账将变得更快，为加密产品交易者提供了新的便利。

In the EU, the partnership will adhere to the Markets in Crypto-Assets Act (MiCA) regulations, which were introduced earlier this year.

在欧盟，该合作伙伴关系将遵守今年早些时候推出的加密资产市场法（MiCA）法规。

The new function will allow eligible Visa debit cardholders to "take advantage of trading opportunities day and night."

新功能将允许符合条件的 Visa 借记卡持卡人“日夜利用交易机会”。

While the specific cards that will be enabled for these rapid and cost-effective transfers are yet to be announced, it is likely that the Coinbase Card will be included.

虽然支持这些快速且经济高效的转账的具体卡尚未公布，但 Coinbase 卡很可能会被包括在内。

Depending on the region and partners available, there will be a maximum pre-defined trading volume.

根据可用的区域和合作伙伴，将存在最大预定义交易量。

Commenting on the news, Yanilsa Gonzalez Ore, head of Visa Direct in North America, expressed enthusiasm, stating verbatim that:

Visa Direct 北美地区负责人 Yanilsa Gonzalez Ore 在评论这一消息时表达了热情，并逐字表示：

“We are excited to collaborate with Coinbase to help their clients’ money movement needs. The feature will add convenience and new services to the users of the exchange, however limiting itself to residents in the United States and in the European Union.”

“我们很高兴与 Coinbase 合作，帮助他们的客户满足资金流动需求。该功能将为交易所用户增加便利和新服务，但仅限于美国和欧盟的居民。”

Coinbase Card and the other Visa and Mastercard debit cardsAs mentioned, not all Visa debit cards will be usable to interact with the crypto exchange Coinbase, but only those considered “eligible.”

Coinbase 卡以及其他 Visa 和 Mastercard 借记卡如上所述，并非所有 Visa 借记卡都可用于与加密货币交易所 Coinbase 进行交互，只有那些被认为“符合资格”的卡才能与 Coinbase 卡进行交互。

Clearly, the well-known Coinbase Card will be present, active for several years now and with a history of reliability behind it.

显然，著名的 Coinbase 卡将会出现，它已经活跃了好几年，并且有着可靠的历史。

Instead, the debit cards of the other cryptographic exchange and those supported by the payment company Mastercard will probably be excluded.

相反，其他加密货币交易所的借记卡以及支付公司万事达卡支持的借记卡可能会被排除在外。

It should be noted, however, that these last categories have experienced a phase of significant expansion in recent years, expanding their presence in the sector.

然而，应该指出的是，最后这些类别近年来经历了一个显着扩张的阶段，扩大了它们在该行业的影响力。

As of today, we find dozens of crypto cards with which users can easily spend their digital funds at millions of physical and online retailers.

截至今天，我们发现了数十种加密卡，用户可以使用这些卡在数百万家实体和在线零售商处轻松使用数字资金。

Sometimes the competition from Coinbase also applies cheaper fees and exclusive benefits such as cashback and rewards.

有时，来自 Coinbase 的竞争还提供更便宜的费用和独家福利，例如现金返还和奖励。

As of today, the best Visa debit cards with which to spend crypto are those of Crypto.com, Gnosis, ThorWallet, Fina, and Etherfi.

截至目前，用于支付加密货币的最佳 Visa 借记卡是 Crypto.com、Gnosis、ThorWallet、Fina 和 Etherfi。

Among the cards Mastercard we see instead Bybit, Nexo, and HolyHeld as major providers.

在万事达卡中，我们认为 Bybit、Nexo 和 HolyHeld 是主要提供商。

We remind you that obviously the use of crypto cards involves higher costs compared to the classic payment channels Swift via bank transfer (Sepa and foreign).

我们提醒您，与通过银行转账（Sepa 和国外）的经典 Swift 支付渠道相比，显然使用加密卡的成本更高。

Many exchanges like Coinbase apply very low fees (sometimes none) for transfers via bank transfer, while implying longer waiting times.

像 Coinbase 这样的许多交易所对通过银行转账的转账收取非常低的费用（有时甚至没有），同时意味着更长的等待时间。

The latest feature with Visa is indeed designed to simplify the work of traders and operators who aim for a quick and efficient management of capital.

Visa 的最新功能确实旨在简化旨在快速有效地管理资本的交易者和运营商的工作。

The partnership also unlocks various integrations between decentralized finance and centralized finance.

此次合作还开启了去中心化金融和中心化金融之间的各种集成。

The quarterly reports of the crypto exchange do not satisfy U.S. investors: COIN -20% in 5 daysOutside of Visa and debit cards, there is another recent news concerning the crypto exchange Coinbase.

加密货币交易所的季度报告并不能令美国投资者满意：COIN 5天内-20％ 除了Visa和借记卡之外，最近还有另一个有关加密货币交易所Coinbase的消息。

On October 31, the cryptocurrency company revealed the financial data for the third quarter, with numbers below investors’ expectations.

10 月 31 日，这家加密货币公司公布了第三季度财务数据，数据低于投资者预期。

In particular, Coinbase recorded total revenue of 1.2 billion dollars, against the expected 1.29 billion. Earnings per share, amounting to 0.28 dollars, are strongly bear compared to the expected 0.51 dollars.

特别是，Coinbase 的总收入为 12 亿美元，而预期为 12.9 亿美元。每股收益为 0.28 美元，远低于预期的 0.51 美元。

Despite this, the data remain positive, highlighting a general increase Y/Y and Q/Q in various cases. For example, the net income and net profit margin are significantly higher compared to the earnings of Q2.

尽管如此，数据仍然乐观，凸显了在各种情况下同比和环比普遍增长。例如，净利润和净利润率相比第二季度的盈利明显更高。

It is also worth highlighting the improvement of Base, layer-2 of the same exchange Coinbase, which in Q3 recorded a +55% on network transactions.

还值得强调的是同一交易所 Coinbase 的第 2 层 Base 的改进，该交易所在第三季度的网络交易量增长了 55%。

The COIN stock reacted negatively to the release of Coinbase’s quarterly reports, given the failure to meet the targets set by the investors.

由于未能达到投资者设定的目标，COIN 股票对 Coinbase 季度报告的发布做出了负面反应。

In 5 days, the stock listed on the Nasdaq has lost about 20% of its value, sliding from the threshold of 220 dollars to the current 179 dollars.

5天内，该股在纳斯达克上市的股价已下跌约20%，从220美元的门槛滑落至目前的179美元。

The prices are widely below the EMA 50 on 1H, 4H, and 1D time frames, highlighting the fallacy of the short-term price action.

在 1H、4H 和 1D 时间范围内，价格远低于 EMA 50，凸显了短期价格走势的谬误。

On the weekly chart, the situation remains overall positive, considering also the outlook from the bull market.

从周线图上看，考虑到牛市的前景，总体情况仍然乐观。

In all this, we remember that Coinbase during the quarterly reports announced a buyback plan of COIN shares worth 1 billion dollars.

在这一切中，我们记得Coinbase在季度报告中宣布了价值10亿美元的COIN股票回购计划。

We expect a recovery in prices in the coming weeks, especially if Donald Trump wins in the U.S. elections tomorrow.

我们预计未来几周价格将回升，特别是如果唐纳德·特朗普明天在美国大选中获胜的话。