金融科技、穩定幣和 Beam Takeover：最新動態是什麼？

Modern Treasury 對 Beam 的收購標誌著金融科技在監管進步和機構興趣日益濃厚的情況下轉向穩定幣。

Fintech, Stablecoins, and Beam Takeover: What's the Buzz?

金融科技、穩定幣和 Beam Takeover：最新動態是什麼？

The fintech world is buzzing! Modern Treasury's strategic acquisition of Beam, a stablecoin infrastructure startup, highlights the growing importance of stablecoins. This move, along with other developments, signals a significant shift in the fintech landscape. Let's dive in!

金融科技世界正在熱鬧起來！ Modern Treasury 對穩定幣基礎設施初創公司 Beam 的戰略收購凸顯了穩定幣日益增長的重要性。這一舉措與其他發展一起標誌著金融科技格局的重大轉變。讓我們深入了解吧！

Modern Treasury Grabs Beam: A $40 Million Bet on Stablecoins

現代財政部抓住機遇：押注穩定幣 4000 萬美元

Modern Treasury, backed by Salesforce, just snagged Beam for a cool $40 million in an all-stock deal. Beam, founded in 2022, develops plug-and-play solutions that help banks and corporations adopt stablecoins. This acquisition is a big deal because it allows Modern Treasury to directly compete with giants like Stripe and Coinbase in the realm of instant, programmable dollar payments. It's like leveling up in the fintech game!

在 Salesforce 的支持下，Modern Treasury 剛剛以 4000 萬美元的全股票交易收購了 Beam。 Beam 成立於 2022 年，開發即插即用的解決方案，幫助銀行和企業採用穩定幣。此次收購是一件大事，因為它使 Modern Treasury 能夠在即時、可編程美元支付領域直接與 Stripe 和 Coinbase 等巨頭競爭。這就像在金融科技遊戲中升級一樣！

The Stablecoin Land Grab: Everyone Wants a Piece

穩定幣的土地爭奪：每個人都想分一杯羹

This isn't just a one-off. The Beam acquisition is part of a larger trend. Fintech companies are gobbling up stablecoin talent and tech left and right. Stripe bought Bridge for a whopping $1.1 billion, and they're cooking up Tempo, a blockchain focused on stablecoins. Even Coinbase and Mastercard are reportedly battling it out for stablecoin firm BVNK. What's the deal? Everyone wants a piece of the stablecoin pie!

這不僅僅是一次性的。收購 Beam 是更大趨勢的一部分。金融科技公司正在左右收購穩定幣人才和技術。 Stripe 以高達 11 億美元的價格收購了 Bridge，他們正在打造 Tempo，這是一個專注於穩定幣的區塊鏈。據報導，就連 Coinbase 和萬事達卡也在爭奪穩定幣公司 BVNK。這是怎麼回事？每個人都想分一杯羹！

Why Stablecoins? The Perfect Storm

為什麼選擇穩定幣？完美風暴

So, why the sudden stablecoin obsession? A couple of factors are at play. First, regulatory clarity is improving. The U.S. GENIUS Act, which became law in July 2025, sets clear rules for dollar-pegged tokens. This makes stablecoins a more attractive option for businesses. Plus, Circle's USDC IPO is generating a ton of excitement. Beam also joined the Global Dollar Network, alongside Paxos, Robinhood, and Kraken, to push USDG stablecoin adoption. It's a perfect storm for stablecoin growth.

那麼，為什麼突然對穩定幣如此痴迷呢？有幾個因素在起作用。首先，監管透明度正在提高。美國《天才法案》於 2025 年 7 月成為法律，為與美元掛鉤的代幣制定了明確的規則。這使得穩定幣成為對企業更具吸引力的選擇。此外，Circle 的 USDC IPO 也引起了極大的關注。 Beam 還與 Paxos、Robinhood 和 Kraken 一起加入了 Global Dollar Network，以推動 USDG 穩定幣的採用。這是穩定幣增長的完美風暴。

BNB Chain and BPN: Building the Future of Payments

BNB Chain 和 BPN：構建支付的未來

But wait, there's more! BNB Chain is teaming up with Better Payment Network (BPN) to build a multi-stablecoin global settlement network. Their goal? To make onchain payments faster and cheaper. BPN, backed by $50 million in funding, wants to bridge the gap between traditional finance and decentralized finance. By using BNB Chain's scalable tech, they can enable seamless minting, swapping, and settlement of stablecoins across different markets. Think of it as a superhighway for global payments.

但是等等，還有更多！ BNB Chain正與Better Payment Network（BPN）合作構建多穩定幣全球結算網絡。他們的目標是什麼？使鏈上支付更快、更便宜。 BPN 在 5000 萬美元資金的支持下，希望彌合傳統金融和去中心化金融之間的差距。通過使用 BNB Chain 的可擴展技術，他們可以在不同市場之間實現穩定幣的無縫鑄造、交換和結算。將其視為全球支付的高速公路。

Bitcoin Hyper: The Scalable Bitcoin Solution

Bitcoin Hyper：可擴展的比特幣解決方案

Speaking of payments, let's not forget Bitcoin. While Bitcoin remains the king of digital gold, it's not exactly known for its speed. That's where Bitcoin Hyper ($HYPER) comes in. It's a Layer 2 solution designed to make Bitcoin scalable and useful for everyday transactions. Imagine sub-second transactions, near-zero fees, and cross-chain access. It's like giving Bitcoin a turbo boost!

說到支付，我們不要忘記比特幣。雖然比特幣仍然是數字黃金之王，但它並不以其速度而聞名。這就是 Bitcoin Hyper ($HYPER) 的用武之地。它是一個第 2 層解決方案，旨在使比特幣具有可擴展性並可用於日常交易。想像一下亞秒級交易、接近零費用和跨鏈訪問。這就像給比特幣一個渦輪增壓！

My Take: Stablecoins Are Here to Stay

我的看法：穩定幣將繼續存在

Personally, I think stablecoins are going to be a major force in the future of finance. They offer the stability of traditional currencies with the speed and efficiency of blockchain technology. The regulatory landscape is becoming clearer, and more and more companies are adopting them. While there is always risk involved, the potential benefits are too big to ignore. Stablecoins are not a fad.

就我個人而言，我認為穩定幣將成為未來金融的主要力量。它們通過區塊鏈技術的速度和效率提供傳統貨幣的穩定性。監管環境變得越來越清晰，越來越多的公司正在採用它們。雖然風險總是存在，但潛在的好處卻不容忽視。穩定幣並不是一種時尚。

The Future is Bright (and Stable!)

未來是光明的（而且穩定！）

So, there you have it. The fintech world is embracing stablecoins, and for good reason. With acquisitions like Modern Treasury's purchase of Beam, partnerships like BNB Chain and BPN, and innovative solutions like Bitcoin Hyper, the future of finance looks bright... and stable! Now, if you'll excuse me, I'm off to buy some stablecoins. Just kidding... maybe.

所以，你就知道了。金融科技界正在擁抱穩定幣，這是有充分理由的。通過 Modern Treasury 收購 Beam 等收購、BNB Chain 和 BPN 等合作夥伴關係以及 Bitcoin Hyper 等創新解決方案，金融的未來看起來光明......而且穩定！現在，請原諒，我要去購買一些穩定幣。開玩笑……也許吧。