COINS.PH PHPC Stablecoin畢業於菲律賓監管沙箱

Coins.ph宣布，其PHPC Stablecoin已畢業於菲律賓中央銀行，菲律賓曼谷中央銀行（BSP）的菲律賓監管沙箱。

Coins.ph, a cryptocurrency platform operating in the Philippines, has announced that its PHPC stablecoin has completed the regulatory sandbox program operated by Bangko Sentral ng Pilipinas (BSP), the country’s central bank.

Coins.PH是在菲律賓運營的加密貨幣平台，宣布其PHPC Stablecoin已完成由該國中央銀行Bangko Sentral Ng Pilipinas（BSP）運營的監管沙盒計劃。

Coins.ph entered the sandbox in April 2024 with the aim of testing and developing its stablecoin in a controlled environment ahead of broader market launch. The company’s involvement in the sandbox was initially expected to conclude in June 2024.

Coins.ph於2024年4月進入沙箱，目的是在更廣泛的市場發布之前測試和開發其在受控環境中的穩定幣。該公司的參與最初預計將於2024年6月結束。

As one of the main crypto outlets in the Philippines, Coins.ph has been involved in remittances for years, but a local currency stablecoin could accelerate that significantly.

作為菲律賓的主要加密貨幣之一，Coins.ph多年來一直參與匯款，但是當地貨幣Stablecoin可以大幅度地加速這一點。

For stablecoins, the sweet spot mainstream use case is emerging market cross border payments, where the country fits the bill. Emerging market bank payments often involve multiple hops, adding both cost and delays. By contrast, a dollar stablecoin could be sent directly to a Coins.ph wallet and then convert to PHPC.

對於Stablecoins而言，最佳主流用例是新興市場跨境付款，該國適合該法案。新興市場銀行付款通常涉及多個啤酒花，增加了成本和延誤。相比之下，一美元的穩定幣可以直接發送到硬幣。錢包，然後轉換為PHPC。

This payment efficiency becomes even more critical in markets with limited financial access. The Philippines exemplifies this challenge, with only 56% of its population holding bank accounts as of 2021. To address this gap, the central bank has licensed alternative financial services, including 12,797 pawnshops – representing 77.8% of all licensed pawnshops – to handle remittance transactions. This infrastructure proves crucial given the Philippines’ 16 million strong diaspora and its position as the world’s fourth largest recipient of remittances, with $40 billion in incoming funds last year according to World Bank data.

在財務訪問有限的市場中，這種付款效率變得更加重要。菲律賓舉例說明了這一挑戰，截至2021年，只有56％的人口持有銀行帳戶。為了解決這一差距，中央銀行已許可替代金融服務，其中包括12,797個典當行 - 佔所有許可的Pawnshops的77.8％ - 以處理匯款交易。鑑於菲律賓的1600萬個強大的僑民及其作為世界第四大匯款獲得者的地位，這一基礎設施證明了至關重要的，去年根據世界銀行數據，去年有400億美元的即將到來的資金。

Stablecoins also excel in countries with weak currencies. While the Philippine peso had a bout of depreciation of around 10% in 2022 and 4% last year, it is less volatile than many other currencies.

在貨幣較弱的國家中，穩定幣也表現出色。菲律賓比索在2022年的折舊折舊大約為10％，去年4％的折舊折舊，但比許多其他貨幣的波動性較小。

Coins.ph stablecoin plans

Coins.ph Stablecoin計劃

Against this backdrop, Coins.ph is positioning PHPC to capitalize on these market conditions. With some of the sandbox restrictions lifted, Coins.ph plans to mint more stablecoins to meet demand and can now support larger transactions. It sees some benefits in sidestepping banks, to avoid costs, but also likely because of the large under-banked population.

在此背景下，Coins.ph正在定位PHPC以利用這些市場條件。隨著一些沙盒限制，Coins.ph計劃薄荷造成更多的穩定劑以滿足需求，現在可以支持更大的交易。它看到了避免成本的避免成本，但由於人口不足的人口眾多，也有一些好處。

“We can now unlock PHPC’s full potential, particularly in areas where Filipinos need it most – remittances and cross-border transactions,” said Wei Zhou, CEO of Coins.ph.

Coins.ph首席執行官Wei Zhou說：“我們現在可以解鎖PHPC的全部潛力，尤其是在菲律賓人最需要的地區 - 匯款和跨境交易。”

The reserves that back the PHPC stablecoin are held at local banks in cash or cash equivalents. Additionally, the company is subject to regular third party audits of its reserves, smart contracts and security infrastructure, as well as reporting to the central bank. However, the company also mentioned public disclosures which we couldn’

支持PHPC Stablecoin的儲備金以現金或現金同等價值在當地銀行舉行。此外，該公司應對其儲備，智能合同和安全基礎設施的定期第三方審核以及向中央銀行報告。但是，該公司還提到了我們無法實現的公開披露