Circle探索將其美元硬幣（USDC）Stablecoin插入阿聯酋的匯款走廊

Stablecoin發行人Circle是在紐約證券交易所的10億美元首次公開募股的新鮮公開募股，正在與阿聯酋的貨幣轉移房屋進行早期會談

Stablecoin issuer Circle, fresh off a $1 billion initial public offering on the New York Stock Exchange, is in early talks with money-transfer houses in the UAE to plug its USD Coin (USDC) into one of the world’s busiest remittance corridors.

Stablecoin發行人圈子是在紐約證券交易所的10億美元首次公開募股的新鮮公開募股，正在與阿聯酋的貨幣轉移房屋進行早期會談，以將其美元硬幣（USDC）插入世界上最繁忙的匯款走廊之一。

Circle is the sole issuer of USDC, the world’s second-largest stablecoin, with a market cap of around $60 billion.

Circle是USDC的唯一發行人，USDC是全球第二大穩定幣，市值約為600億美元。

Stablecoins aim to hold a steady value, typically redeemable 1:1 for traditional currency, but they are not insured or protected like bank deposits.

Stablecoins的目的是具有穩定的價值，通常可以兌換為傳統貨幣的1：1，但沒有像銀行存款那樣被保險或受到保護。

USDC is backed by cash and short-term US Treasuries held by BNY Mellon and managed via a BlackRock money-market fund.

USDC得到了BNY Mellon持有的現金和短期美國國債的支持，並通過Blackrock Monear Market Fund進行了管理。

Tokens settle on public blockchains in seconds and cost just a fraction of a cent to send – making them useful for payments, savings and transfers.

代幣在幾秒鐘內定居公共區塊鏈，只需花費一百分點即可發送，這對於付款，儲蓄和轉移而言有用。

Circle president Heath Tarbert told AGBI the company is “starting dialogues” with remittance firms and others who want to start making stablecoins like USDC available in their network.

Circle總裁Heath Tarbert告訴Agbi，該公司正在與匯款公司和其他想開始在其網絡中提供像USDC這樣的Stablecoins的人“開始對話”。

“They can help adopt this technology and not be left behind. Consumers will be paying far less, and they’ll get their money sooner,” he said.

他說：“他們可以幫助採用這項技術，而不會被拋在後面。消費者的付款將少得多，他們會盡快賺錢。”

Tarbert says embedding USDC into payment rails could slash costs “30 to 100 times” versus traditional remittances, which rely on correspondent banks and can take days to clear.

塔伯特（Tarbert）表示，將USDC納入付款軌道可能會削減“ 30至100次”，而傳統匯款依靠記者銀行，可能需要幾天的時間才能清除。

About nine million expatriates send more than $44 billion home each year from the UAE.

每年約有900萬外籍人士從阿聯酋派出超過440億美元的房屋。

Global remittance costs average 6.62 percent of the amount sent, with banks charging as much as 13.64 percent, World Bank data shows.

世界銀行的數據顯示，全球匯款的平均成本為6.62％，銀行的收費高達13.64％。

In the Middle East, the average is 6.45 percent.

在中東，平均值為6.45％。

Last year, UAE exchange houses raised fees by at least 15 percent for the first time in five years, adding $0.68 (AED2.50) per transfer.

去年，阿聯酋交易所在五年內首次提高了15％的費用，每次轉會增加了0.68美元（AED2.50）。

The increase came as traditional players such as Al Ansari Financial Services reported a 2024 net profit of AED 405 million, down 18 percent from a year earlier, citing “intense fintech competition” and rising costs.

這一增長是因為諸如Al Ansari Financial Services等傳統參與者報告說，2024年的淨利潤為4.05億迪拉姆，比去年同期下降了18％，理由是“激烈的金融科技競爭”和成本上升。

India is the largest remittance corridor from the UAE, driven by the country’s large Indian expatriate population.

印度是來自阿聯酋的最大匯款走廊，這是該國大量印度外籍人口驅動的。

Tarbert, a former US Treasury official, said remittance firms can either risk losing ground to stablecoins or adapt.

塔伯特（Tarbert）是前美國財政部官員，他說，匯款公司可能會冒著失去stablecoins或適應的風險。

“They will obviously have a share in the economics through customer relationships,” he said. “Everyone can win.”

他說：“他們顯然會通過客戶關係在經濟學方面享有份額。” “每個人都可以贏。”

Still, stablecoins carry risks.

儘管如此，Stablecoins仍有風險。

USDC briefly lost its dollar peg and fell below 87 cents in 2023 after the company revealed it had nearly 8 percent of its reserves tied up at the collapsed lender Silicon Valley Bank.

在該公司透露其在倒塌的貸方矽谷銀行綁架的儲備中，該公司在2023年短暫失去了美元釘，並在2023年下跌低於87美分。

Tether, the world’s largest stablecoin issuer, paid a $41 million settlement in 2021 for misleading investors about USDT being fully backed by fiat currencies at all times.

全球最大的Stablecoin發行人Tether在2021年支付了4,100萬美元的和解，因為他們誤導了投資者，因為投資者始終都得到了菲亞特貨幣的全部支持。

Circle has secured in-principle approval from Abu Dhabi Global Market’s regulator to operate as a money-services provider.

Circle已獲得阿布扎比全球市場監管機構的原則批准，以作為貨幣服務提供商運營。

“Many [businesses] in the region can’t get their hands on dollars or it’s difficult because of correspondent banking,” Tarbert said.

塔伯特說：“該地區的許多[企業]無法獲得美元，或者由於記者銀行業務而困難。”

“It’s a very important region for us to grow and invest in.”

“這是我們成長和投資的非常重要的地區。”

Circle and stablecoins

圓圈和穩定的

Circle’s IPO surged 168 percent on debut, valuing the company at more than $21 billion – the strongest US listing this year.

Circle的IPO在首次亮相時飆升了168％，對該公司的評價超過210億美元，這是今年美國最強的上市。

Shares continued climbing to a high near $123.50 before easing to about $106, which is still a roughly 240 percent gain since it began trading.

股票繼續攀升至接近$ 123.50，然後將其輕鬆降至106美元，自開始交易以來，這一收益仍然大約240％。

Circle’s USD Coin already accounts for more than half of all crypto transactions in the UAE – the highest share globally, according to Chainalysis.

根據Chainalysis，Circle的USD硬幣已經佔阿聯酋所有加密交易的一半以上，這是全球最高份額。

In stable Gulf economies, Circle says USDC offers faster, lower-cost cross-border payments.

在穩定的海灣經濟體中，Circle表示，USDC提供更快，低成本的跨境支付。

In fragile economies where dollars are scarce and black market rates dominate, stablecoins such as USDC offer a workaround – helping users to receive and hold dollar-linked funds in crypto wallets, while avoiding banking limits and currency collapse.

在美元稀缺且黑市價格占主導地位的脆弱經濟體中，諸如USDC之類的Stablecoins提供了解決方法 - 幫助用戶在加密錢包中接收和持有與美元相關的資金，同時避免銀行業務限制和貨幣崩潰。

In Lebanon, for instance, some residents turned to stablecoins to protect savings as the Lebanese pound plunged and banks restricted dollar withdrawals.

例如，在黎巴嫩，一些居民轉向穩定幣以保護儲蓄，因為黎巴嫩英鎊跌落，銀行限制了美元提款。

The stablecoin market is worth about $230 billion today but could grow to $3 trillion by 2030, Citigroup estimates.

Citigroup估計，Stablecoin市場的價值約為2,300億美元，但到2030年可能會增長到3萬億美元。