Baanx與Visa合作夥伴推出了與Stablecoin相關的卡片

在採用加密貨幣的重大發展中，Baanx已宣布與Visa建立合作夥伴關係，以推出與自我監護錢包直接掛鉤的Stablecoin相關卡。

In a significant development for cryptocurrency adoption, Baanx has announced a partnership with Visa to launch stablecoin-linked cards tied directly to self-custodial wallets. The new offering will initially roll out in the United States before expanding to additional markets globally, coming just days after Mastercard unveiled its own comprehensive stablecoin strategy with partners OKX and Nuvei.

在採用加密貨幣的重大發展中，Baanx已宣布與Visa建立合作夥伴關係，以推出與自我監護錢包直接掛鉤的Stablecoin相關卡。新產品最初將在美國推廣，然後在全球範圍內擴展到其他市場，而Mastercard與Partners Okx和Nuvei揭開了自己的全面Stablecoin戰略後的幾天。

This partnership marks a key step forward in mainstreaming cryptocurrency spending, combining the vast acceptance of Visa with the liquidity and self-custody properties of stablecoins.

這種夥伴關係標誌著主流加密貨幣支出的邁出的關鍵一步，將簽證的廣泛接受與穩定的流動性和自我抑制性能相結合。

How Stablecoin Cards Bridge Digital And Physical Payments

Stablecoin卡如何橋接數字和物理支付

The new Baanx-Visa partnership allows USDC (a fiat-backed stablecoin) to be spent at any merchant accepting Visa, with the funds flowing directly from the user's self-custodial wallet. The system uses smart contracts to move stablecoin balances from the consumer to Baanx in real time upon card authorization, with Baanx handling the conversion to fiat for payment settlement.

新的Baanx-Visa合作夥伴關係允許USDC（由菲亞特支持的Stablecoin）用於任何商人接受簽證，而資金直接從用戶的自我監測錢包中流動。該系統使用智能合約將穩定的餘額從消費者轉移到卡片授權後將其實時轉移到Baanx，而Baanx則處理轉換為FIAT進行付款解決方案。

This announcement solves what industry insiders call the "last mile problem" in cryptocurrency: enabling everyday spending of digital assets without sacrificing the self-custody principles that distinguish crypto from traditional finance.

該公告解決了加密貨幣中行業內部人士所說的“最後一英里問題”：在不犧牲將加密貨幣與傳統財務區分開的自我顧客原則的情況下，每天都可以支出數字資產支出。

"Stablecoin cards represent a massive leap forward for global financial access," said Simon Jones, Chief Commercial Officer at Baanx, in the official announcement.

Baanx首席商務官西蒙·瓊斯（Simon Jones）在官方宣布中說：“ Stablecoin卡代表了全球金融訪問的巨大飛躍。”

"In many regions, access to stable currency is a luxury. We’re giving people the ability to hold and spend USD-backed stablecoins seamlessly, in a self-custodial, real-time way, anywhere Visa is accepted."

“在許多地區，獲得穩定的貨幣是一種奢侈品。我們使人們能夠以自我監護的，實時的方式，在任何地方接受簽證。”

This approach to financial access aligns with Jones’ broader vision: "Two or three years ago, crypto was very much its own thing. FinTech was very much its own thing ... "

這種財務訪問方法與瓊斯的更廣泛的願景相吻合：“兩三年前，加密貨幣是它自己的事情。金融科技是自己的事……”

The implications extend well beyond crypto enthusiasts. For users in emerging markets facing currency volatility and limited banking options, stablecoin cards could provide unprecedented access to dollar-denominated spending power without requiring traditional banking relationships.

這些含義遠遠超出了加密愛好者。對於面臨貨幣波動率和有限銀行業務的新興市場的用戶，Stablecoin卡可以提供前所未有的訪問以美元計價的支出能力，而無需傳統的銀行關係。

How Stablecoin Cards Unlock Real-World Utility

Stablecoin卡如何解鎖現實世界實用程序

Stablecoins have emerged as crypto's breakthrough application, with over $200 billion in circulation and over 30 million addresses transacting monthly on public blockchains. In the first half of 2024 alone, stablecoins settled over $2.6 trillion in value.

Stablecoins已成為加密貨幣的突破性申請，每月在公共區塊鏈上每月進行超過2000億美元的發行和超過3000萬個地址。僅在2024年的上半年，Stablecoins就達到了2.6萬億美元的價值。

Visa's involvement signals growing institutional recognition of stablecoins' potential for practical payments applications.

Visa的參與信號不斷增加機構認可，對Stablecoins的實際支付申請潛力。

"We know the payments ecosystem is still in the early innings of stablecoin adoption, but real-world utility is coming to the forefront," noted Rubail Birwadker, Head of Growth Products and Partnerships at Visa.

Visa的增長產品和合作夥伴關係負責人Rubail Birwadker指出：“我們知道，付款生態系統仍處於採用Stablecoin的早期局中，但現實世界中的實用程序正處於最前沿。”

Cuy Sheffield, Global Head of Crypto at Visa, elaborated on this vision:

Cuy Sheffield是Visa的加密全球負責人，根據這個願景闡述：

The Baanx solution leverages high-performance blockchain networks like Ethereum layer 2s and Solana to enable instant transaction settlement. This infrastructure allows for a streamlined user experience compared to earlier crypto payment solutions that required multiple confirmations or pre-funding of custodial accounts.

BAANX解決方案利用以太坊2S和Solana等高性能區塊鍊網絡來實現即時交易結算。與較早的加密支付解決方案相比，這種基礎架構允許簡化用戶體驗，這些解決方案需要多次確認或預先資助託管帳戶。

According to Jones, we can expect to see significant expansion of wallet-linked cards in the coming year: “I think of the larger wallets, at least 60 or 70 percent of them will have a card within them within the next 12 months.”

根據瓊斯的說法，我們可以期望在來年看到錢包連鎖卡的大幅擴展：“我認為較大的錢包，在接下來的12個月內，至少有60％或70％的錢將在其中有一張卡片。”

Where Stablecoin Cards Fit In The Financial Ecosystem

穩定卡適合金融生態系統的位置

The partnership builds on growing momentum in the self-custodial card space. Earlier collaboration between Baanx and MetaMask resulted in the MetaMask Card, which similarly enables spending crypto assets held in self-custodial wallets via MasterCard. The MetaMask Card, launched in multiple regions including the United States, United Kingdom, European Union, Mexico, Colombia, and Brazil, demonstrated the feasibility of non-custodial card payments and set a precedent for this new Visa partnership.

該夥伴關係基於自我定期卡空間的增長動力。 Baanx和MetAmask之間的早期合作導致了MetAmask卡，同樣可以通過MasterCard通過MasterCard在自我監測的錢包中持有的加密資產。 Metamask卡在包括美國，英國，歐盟，墨西哥，哥倫比亞和巴西在內的多個地區推出，證明了非監護卡付款的可行性，並為這種新的Visa合作夥伴制定了先例。

This initiative is part of a broader strategy by Visa to expand into the cryptocurrency domain. Earlier this year, Visa partnered with cryptocurrency exchange FTX to launch a prepaid debit card program in Brazil, catering to users who prefer to hold cryptocurrencies for spending rather than converting them to fiat currency.

該計劃是Visa擴展到加密貨幣領域的更廣泛策略的一部分。今年早些時候，Visa與Cryptocurrency Exchange FTX合作，在巴西啟動了預付款卡計劃，以適合那些喜歡持有加密貨幣支出而不是將其轉換為法定貨幣的用戶。

In May, Visa also announced a partnership with cryptocurrency platform Bitpay to enable direct-to-consumer crypto payments at merchants accepting Visa cards. These partnerships highlight Visa's multifaceted approach to integrating cryptocurrency into its existing payments ecosystem.

5月，Visa還宣布了與加密貨幣平台BITPAY建立合作夥伴關係，以在接受Visa卡的商人中直接到消費者的加密貨幣付款。這些合作夥伴關係強調了Visa的多方面方法，將加密貨幣整合到其現有的付款生態系統中。

Discussing the partnership, Cuy Sheffield, Global Head of Crypto at Visa, highlighted the untapped potential of linking self-custodial wallets with spending capabilities.

在討論夥伴關係時，Visa的全球加密貨幣負責人Cuy Sheffield強調了將自我定制錢包與支出能力聯繫起來的尚未開發的潛力。

What differentiates these offerings from traditional crypto cards is that users maintain control of their assets until the moment of transaction, rather than depositing funds with a custodial service provider. When a user taps their card at a point of sale, the system verifies sufficient wallet balance and executes an on-chain transaction, converting the stablecoin to fiat currency that the merchant receives.

這些產品與傳統加密卡的區別是，用戶在交易時保持對資產的控制權，而不是將資金存入託管服務提供商。當用戶在銷售點敲擊卡時，系統會驗證足夠的錢包餘額並執行鏈交易，將穩定的商人轉換為商人收到的法定貨幣。

When Stablecoin Cards Will Reach Global Adoption

當Stablecoin卡將達到全球採用時

While Baanx and Visa are starting with the United States, both companies have expressed ambitions for rapid international expansion. Baanx currently powers crypto payment solutions for six of the top ten self-custodial wallets globally.

雖然Baanx和Visa從美國開始，但兩家公司都表達了快速國際擴張的野心。 Baanx目前為全球十大自我監護錢包中的六個中的六個提供加密支付解決方案。