Circle 將在 iPhone 上使用 USDC 整合點擊支付

隨著它們繼續挑戰市場趨勢，它們已成為主流。隨著穩定幣供應量和市值的成長，USDC 已成為受監管穩定幣的寵兒。因此，為了跟上市場需求和新機遇，Circle 將使用 USDC 整合觸碰支付。 Circle 執行長 Jeremy Allaire 在宣佈該公司最近的合資企業時表示，

Highlighting Stablecoin Growth and Circle's Tap-to-Pay Integration

強調穩定幣的增長和 Circle 的點擊支付集成

Stablecoins have seen a remarkable rise in popularity, becoming a staple in the cryptocurrency ecosystem. Among the various stablecoins, USDC has emerged as the preferred choice, especially in the realm of regulated stablecoins. In a bid to capitalize on this demand and expand USDC's reach, Circle is set to integrate tap-to-pay functionality for USDC on iPhones.

穩定幣的受歡迎程度顯著上升，成為加密貨幣生態系統的主要組成部分。在各種穩定幣中，USDC 已成為首選，尤其是在受監管的穩定幣領域。為了充分利用這項需求並擴大 USDC 的覆蓋範圍，Circle 將在 iPhone 上整合 USDC 的觸碰支付功能。

Announcing this development, Circle's CEO Jeremy Allaire stated, "Tap to pay using USDC on iPhones incoming soon. Wallet devs, start your engines."

Circle 執行長 Jeremy Allaire 在宣布這一進展時表示，“即將推出的 iPhone 上使用 USDC 進行點擊支付。錢包開發者，啟動你的引擎吧。”

Delving into the technicalities, if an iOS wallet that supports USDC enables this feature, it will allow a receiving device, such as a Point-of-Sale (PoS) system or another iOS device, to wirelessly transmit transaction information to the wallet via a simple tap.

深入研究技術細節，如果支援 USDC 的 iOS 錢包啟用此功能，它將允許接收裝置（例如銷售點 (PoS) 系統或其他 iOS 裝置）透過無線網路將交易資訊傳輸到錢包。

"This would allow a PoS to tell an iPhone what blockchain address it will accept USDC on, or the amount to pay, and then the iPhone-based wallet app could prompt the user to confirm a payment (like with FaceID) and initiate a transaction over the blockchain to settle the USDC," explained the CEO.

「這將允許 PoS 告訴 iPhone 它將在哪個區塊鏈地址上接受 USDC，或者支付金額，然後基於 iPhone 的錢包應用程式可以提示用戶確認付款（就像使用 FaceID）並啟動交易透過區塊鏈來結算USDC，」首席執行官解釋道。

According to Circle, when combined with the high-performance and low-fee blockchain that USDC utilizes, this integration will pave the way for seamless and efficient direct-to-merchant USDC payments.

據 Circle 稱，當與 USDC 使用的高性能和低費用區塊鏈相結合時，這種整合將為無縫、高效的直接向商家 USDC 支付鋪平道路。

Rising Demand for Regulated Stablecoins

對受監管穩定幣的需求不斷增長

Circle's move to integrate tap-to-pay functionality for USDC on iPhones comes amid increasing demand for regulated stablecoins in the cryptocurrency market.

Circle 在 iPhone 上整合 USDC 的點擊支付功能之際，正值加密貨幣市場對受監管穩定幣的需求不斷增長。

In June, Circle became the first company to fully comply with MiCA's regulations, enabling it to seamlessly carry out its operations within the European Union. Following this development, USDC's market cap share has surged, increasing from $32 billion to $34 million.

6 月，Circle 成為第一家完全遵守 MiCA 法規的公司，使其能夠在歐盟境內無縫開展業務。隨著這一發展，USDC 的市值份額激增，從 320 億美元增加到 3,400 萬美元。

Chart showcasing USDC's market cap share. Source: IntoTheBlock

顯示 USDC 市值份額的圖表。來源：IntoTheBlock

This growth in market share is particularly noteworthy considering USDC's decline to $23 billion in 2023 after the collapse of Silicon Valley Bank (SVB).

考慮到矽谷銀行 (SVB) 倒閉後 USDC 的價值將在 2023 年跌至 230 億美元，這種市場份額的成長尤其值得注意。

Moreover, the stablecoin's trading volume has also witnessed a substantial increase on a yearly basis. This surge is indicative of the rising demand for regulated stablecoins, with investors showing a preference for safe and secure crypto assets.

此外，穩定幣的交易量也逐年大幅成長。這種激增表明對受監管穩定幣的需求不斷增長，投資者表現出對安全可靠的加密資產的偏好。

Chart displaying USDC's yearly trading volume. Source: Defillama

顯示 USDC 年度交易量的圖表。資料來源：德菲拉瑪

Apple Opening Up Its NFC Chip to Third Parties

蘋果向第三方開放其 NFC 晶片

It's worth noting that Circle's integration of tap-to-pay functionality for USDC on iPhones is possible thanks to Apple's recent decision to allow developers to offer in-app NFC transactions using the secure element starting with iOS 18.1.

值得注意的是，由於 Apple 最近決定允許開發者從 iOS 18.1 開始使用安全元件提供應用程式內 NFC 交易，因此 Circle 在 iPhone 上整合 USDC 的點擊支付功能成為可能。

This move enables developers to set a default contactless payment app that can be accessed by quickly pressing the iPhone's side button. As explained by Circle's CEO, only Apple Pay and Apple's Wallet have been permitted to use this functionality until now.

此舉使開發人員能夠設定預設的非接觸式支付應用程序，只需快速按下 iPhone 的側面按鈕即可存取該應用程式。正如 Circle 執行長所解釋的那樣，到目前為止，只有 Apple Pay 和 Apple Wallet 獲準使用此功能。

"Until Apple did this, the only payment app or wallet that could use NFC on iPhones was Apple’s Wallet and Apple Pay," stated the CEO.

「在蘋果這樣做之前，唯一可以在 iPhone 上使用 NFC 的支付應用程式或錢包是 Apple 的 Wallet 和 Apple Pay，」執行長表示。

This integration not only benefits a single stablecoin but also opens up opportunities for various other web3 platforms and projects to integrate their services. Such projects include NFT marketplaces, certificate authorities, and other stablecoins like EURC.

這種整合不僅有利於單一穩定幣，而且還為各種其他 web3 平台和專案整合其服務提供了機會。此類項目包括 NFT 市場、證書頒發機構和 EURC 等其他穩定幣。

Impact on Circle's USDC Stablecoin

對 Circle 的 USDC 穩定幣的影響

Over the past month, USDC's market share has seen a sustained increase, indicating growing demand for the stablecoin.

過去一個月，USDC的市場份額持續增長，顯示穩定幣的需求不斷增長。

Equally, the stablecoin's exchange reserves have also risen exponentially. In fact, according to data from Cryptoquant, the exchange reserves increased from $2.9 billion to $3.08 billion over the past week alone.

同樣，穩定幣的外匯存底也呈指數級增長。事實上，根據 Cryptoquant 的數據，光是過去一周，外匯存底就從 29 億美元增加到 30.8 億美元。

Chart showing USDC's exchange reserves over the past month. Source: Cryptoquant

顯示過去一個月 USDC 外匯存底的圖表。來源：Cryptoquant

This increase in exchange reserves suggests that a greater demand for USDC is observed to purchase other cryptocurrencies. Simply put, it indicates the greater use of USDC by crypto investors during this period.

外匯存底的增加表明，購買其他加密貨幣對 USDC 的需求更大。簡而言之，這表明加密貨幣投資者在此期間更多地使用 USDC。

Hence, the integration of USDC into the iPhone's tap-to-pay feature will grant the stablecoin access to a vast user base. A larger user base will further propel USDC's market share, while also contributing to increased revenue and profitability for Circle.

因此，將 USDC 整合到 iPhone 的點擊支付功能中將使穩定幣能夠接觸到廣大的用戶群。更大的用戶群將進一步提升 USDC 的市場份額，同時也有助於增加 Circle 的收入和獲利能力。