加密貨幣又回到了支付領域。這一次，它可能真的有效。

穩定幣的實用性激增，消除了傳統加密貨幣的波動性，加上數位資產可用性的不斷進步，使得商家的接受度不再是複雜的技術提升。

For nearly its entire history, cryptocurrency has been searching for a sustainable product-market fit.

在幾乎整個歷史中，加密貨幣一直在尋找可持續的產品市場契合點。

From payments to speculative investments to supply chain management, the blockchain landscape’s past has been littered with attempts but little long-standing impact.

從支付到投機性投資再到供應鏈管理，區塊鏈領域的過去充滿了嘗試，但幾乎沒有長期影響。

Now, crypto is circling back to try its hand at payments again. Only today, the results appear to be, well, promising.

現在，加密貨幣正在捲土重來，再次嘗試支付領域。直到今天，結果似乎還是充滿希望的。

The reason? Surging utility of stablecoins, which remove the volatility of traditional cryptocurrencies, as well as ongoing advances in digital asset usability make merchant acceptance less of a complex technological lift.

原因是什麼？穩定幣的實用性激增，消除了傳統加密貨幣的波動性，加上數位資產可用性的不斷進步，使得商家的接受度不再是複雜的技術提升。

These two trends, usability through simplification of complex technological processes and the standing up of networks to facilitate greater use of stablecoin digital assets as a payment mechanis,heizead the Web3 news and industry advances PYMNTS tracked this week.

這兩種趨勢，即透過簡化複雜技術流程實現的可用性，以及建立網路以促進穩定幣數位資產作為支付機制的更多使用，是 PYMNTS 本週追蹤的 Web3 新聞和行業進展的重點。

Building Out Ecosystem Networks to Scale Crypto Payments

建構生態系統網路以擴展加密支付

One of the hurdles for Web3 adoption has been the complexity of blockchain and decentralized technologies. For consumers and businesses, navigating crypto wallets, decentralized finance (DeFi) platforms, and other blockchain applications can be daunting. However, a movement to simplify these processes is making strides in improving usability — making Web3 more accessible to a broader audience.

採用 Web3 的障礙之一是區塊鏈和去中心化技術的複雜性。對於消費者和企業來說，使用加密錢包、去中心化金融 (DeFi) 平台和其他區塊鏈應用程式可能會令人望而生畏。然而，簡化這些流程的運動在提高可用性方面取得了長足進步——使 Web3 更容易被更廣泛的受眾所使用。

Stellar Development Foundation announced Tuesday (Oct. 15) that it is integrating Mastercard’s Crypto Credential solution into its blockchain network. The credential, which helps verify interactions among consumers and businesses using blockchain networks, will be added to the Stellar ecosystem as the exclusive credentialing solution “to enable a range of secure, compliant use cases” for crypto wallet providers such as Coins.ph, Mercado Bitcoin and Wirex.

恆星發展基金會週二（10 月 15 日）宣布，它將把萬事達卡的加密憑證解決方案整合到其區塊鏈網路中。該憑證有助於使用區塊鏈網路驗證消費者和企業之間的交互，將作為獨家憑證解決方案添加到Stellar 生態系統中，為Coins.ph、Mercado 等加密錢包提供商「實現一系列安全、合規的用例”比特幣和 Wirex。

Meanwhile, payments protocol Aeon will integrate the Tron network as its underlying cryptocurrency payment infrastructure. The partnership “opens new opportunities for seamless crypto payment across the TRON ecosystem,” Aeon said Monday (Oct. 14).

同時，支付協議 Aeon 將整合 Tron 網路作為其底層的加密貨幣支付基礎設施。 Aeon 週一（10 月 14 日）表示，此次合作「為整個 TRON 生態系統的無縫加密支付開闢了新的機會」。

PYMNTS examined some of the challenges of cryptocurrency as a payment method earlier this year, noting that adoption remains limited despite jumps in crypto wealth.

PYMNTS 今年稍早研究了加密貨幣作為支付方式面臨的一些挑戰，指出儘管加密貨幣財富大幅增長，但採用率仍然有限。

But hope springs eternal. In the first 24 hours of allowing its merchants to accept stablecoin payments for online transactions on its platform, Stripe reportedly saw that customers from more than 70 countries made purchases with that form of payment. Stripe authorized its merchants in the United States to receive the Circle-issued USDC through their online checkout pages, beginning Wednesday (Oct. 9). Stripe said in April that it would bring back crypto payments after stopping them in 2018.

但希望是永恆的。據報道，在允許其商家在其平台上接受線上交易的穩定幣支付的最初 24 小時內，Stripe 發現來自 70 多個國家的客戶使用這種支付方式進行了購買。 Stripe 授權其美國商家從週三（10 月 9 日）開始透過其線上結帳頁面接收 Circle 發行的 USDC。 Stripe 今年 4 月表示，在 2018 年停止加密貨幣支付後，它將恢復加密支付。

Read also: Cross-Border Payments Cost Could Be Cut by Blockchain, If It Can Only Solve the Scale Problem

另請閱讀：如果區塊鏈只能解決規模問題，那麼跨境支付成本就可以降低

Stablecoins Secure Central Role in Crypto’s Future

穩定幣在加密貨幣的未來中發揮核心作用

As Web3 infrastructure evolves, the role of stablecoins in digital payments is expanding. Stablecoins, pegged to traditional currencies like the U.S. dollar, have emerged as a bridge between fiat and digital assets, providing a level of stability that appeals to businesses and consumers. Developments highlight how the standing up of stablecoin payment networks is facilitating greater use and adoption across a range of sectors.

隨著 Web3 基礎設施的發展，穩定幣在數位支付中的作用正在擴大。與美元等傳統貨幣掛鉤的穩定幣已成為法定資產和數位資產之間的橋樑，提供了對企業和消費者有吸引力的穩定性。事態發展凸顯了穩定幣支付網絡的建立如何促進各個領域的更多使用和採用。

For instance, Ripple announced its exchange partners and customers for its U.S. dollar-denominated stablecoin, Ripple USD (RLUSD). The stablecoin will be available globally for institutions and users on exchanges and platforms like Uphold, Bitstamp, Bitso, MoonPay, Independent Reserve, CoinMENA and Bullish, Ripple said Tuesday.

例如，Ripple 宣布了其以美元計價的穩定幣 Ripple USD (RLUSD) 的交易所合作夥伴和客戶。 Ripple 週二表示，該穩定幣將在 Uphold、Bitstamp、Bitso、MoonPay、Independent Reserve、CoinMENA 和 Bullish 等交易所和平台上向全球機構和用戶開放。

In other related news, PYMNTS examined the use of blockchain and stablecoins in cross-border payments last month in an interview with Sheraz Shere, general manager of payments and commerce at Solana Foundation.

在其他相關新聞中，PYMNTS 上個月在接受 Solana 基金會支付和商務總經理 Sheraz Shere 採訪時研究了區塊鏈和穩定幣在跨境支付中的使用。

“Blockchain solutions and stablecoins, I don’t like to use the term crypto because this is more about FinTech, they’ve found product-market-fit in cross-border payments,” Shere said.

「區塊鏈解決方案和穩定幣，我不喜歡使用加密貨幣這個術語，因為這更多的是關於金融科技，他們在跨境支付中找到了適合市場的產品，」謝爾說。

He added that one of the most notable benefits of blockchain technology is disintermediation — doing away with the need for multiple passes through correspondent banks, which often slow down transactions and increase their cost.

他補充說，區塊鏈技術最顯著的好處之一是去中介化——無需多次通過代理銀行，這通常會減慢交易速度並增加成本。

Still, some of the more illicit trends that defined crypto’s past will need to be overcome if the sector's future is to be realized. PYMNTS covered Monday that crypto scams have remained a booming industry for fraudsters who exploit the hype, anonymity and global reach of digital currencies.

儘管如此，如果要實現該行業的未來，就需要克服一些定義加密貨幣過去的非法趨勢。 PYMNTS 週一報導，對於利用數位貨幣的炒作、匿名性和全球影響力的詐騙者來說，加密詐騙仍然是一個蓬勃發展的行業。

The latest sting operation, in which the FBI nabbed a dozen and a half criminals, offered a view into the schemes law enforcement agencies are standing up as scammers scale and industrialize their operations. To get the 18 criminals who were charged Oct. 9, the FBI created its own crypto asset, named NexfundAI, and then tracked the use of it to prove malfeasance and manipulation. Instead of flipping the coin for profit, the criminals found themselves at the other end of sealed indictments.

聯邦調查局 (FBI) 在最新的一次誘捕行動中抓獲了十幾名犯罪分子，這讓人們得以了解執法機構在詐騙者規模化和工業化運作時所採取的計劃。為了抓獲 10 月 9 日被指控的 18 名罪犯，FBI 創建了自己的加密資產，名為 NexfundAI，然後追蹤其使用情況，以證明瀆職和操縱行為。犯罪者並沒有透過擲硬幣來牟利，而是發現自己處於密封起訴書的另一端。