萬事達卡讚揚 Ripple 在改變拉丁美洲匯款方面發揮的改變遊戲規則的作用

萬事達卡已經認識到 Ripple 在重塑拉丁美洲匯款格局方面所發揮的作用，萬事達卡在關注跨境支付發展的報告中強調了這一點。 Ripple 的解決方案利用 XRP 代幣，因其速度、透明度和成本效益而受到認可，解決了阻礙進入正規匯款管道的挑戰。

Mastercard Spotlights Ripple's Role in Transforming Remittances in Latin America

萬事達卡重點關注瑞波幣在拉丁美洲匯款轉型中的作用

New York, July 15, 2023 - Mastercard, a global payments titan, has highlighted the significant contributions of Ripple, a blockchain technology company, to the modernization of remittance services in Latin America. This recognition emerges from a Mastercard report shared by the pseudonymous XRP community figure, WrathofKahnemanthat, on the X.

紐約，2023 年 7 月 15 日 - 全球支付巨頭萬事達卡強調了區塊鏈技術公司 Ripple 對拉丁美洲匯款服務現代化的重大貢獻。這項認識來自於 XRP 社區化名人士 WrathofKahnemanthat 在 X 上分享的萬事達卡報告。

In its report, Mastercard underscores the evolving nature of cross-border payments, emphasizing the critical role of technology, partnerships, and digitalization in enhancing efficiency and accessibility. Ripple's solutions, powered by the digital token XRP, are singled out for their focus on speed, transparency, and cost-effectiveness.

萬事達卡在報告中強調了跨國支付不斷發展的性質，強調技術、合作夥伴關係和數位化在提高效率和可及性方面的關鍵作用。 Ripple 的解決方案由數位代幣 XRP 提供支持，因其註重速度、透明度和成本效益而脫穎而出。

Remittances: A Lifeline for Families and Economies

匯款：家庭與經濟的生命線

Mastercard notes the profound impact of remittances, or cross-border payments, on the financial well-being of individuals and communities worldwide. Aligned with the United Nations' Sustainable Development Goals (SDGs), Mastercard emphasizes how these remittances enable recipients to invest in savings, small businesses, and other assets that drive economic growth.

萬事達卡注意到匯款或跨境支付對全球個人和社區的財務福祉產生的深遠影響。萬事達卡與聯合國永續發展目標 (SDG) 保持一致，強調這些匯款如何幫助收款人投資於儲蓄、小型企業和其他推動經濟成長的資產。

This is especially crucial in low and middle-income countries, where an estimated 800 million people globally live in households that rely on these international transfers.

這對於低收入和中等收入國家尤其重要，全球估計有 8 億人生活在依賴這些國際轉移的家庭中。

Challenges and Ripple's Innovative Approach

Ripple 的挑戰與創新方法

Despite the volume and benefits of remittances, Mastercard identifies key obstacles that hinder access to formal channels. High fees, reliance on cash, security concerns, and inadequate digital experiences continue to pose significant challenges.

儘管匯款量大且好處多，萬事達卡還是發現了阻礙其進入正規管道的主要障礙。高額費用、對現金的依賴、安全問題和數位體驗不足繼續構成重大挑戰。

In addressing these issues, Mastercard spotlights innovators like Ripple, Stellar, and Circle. Ripple, in particular, harnesses blockchain technology and the XRP cryptocurrency to facilitate faster, cheaper, and more transparent international money transfers.

在解決這些問題時，萬事達卡重點關注 Ripple、Stellar 和 Circle 等創新者。尤其是 Ripple，它利用區塊鏈技術和 XRP 加密貨幣來促進更快、更便宜和更透明的國際匯款。

This potential is exemplified by Ripple's partnership with SBI Remit, which offers XRP-based remittance services in multiple Asian countries. Ripple's collaboration with countries such as Palau to explore the use of central bank digital currencies (CBDCs) further underscores its dedication to innovation in payment solutions. This partnership demonstrates Ripple's belief in the transformative potential of CBDCs within the realm of cross-border transactions.

Ripple 與 SBI Remit 的合作就體現了這種潛力，SBI Remit 在多個亞洲國家提供基於 XRP 的匯款服務。 Ripple 與帛琉等國家合作探索中央銀行數位貨幣（CBDC）的使用，進一步凸顯了其對支付解決方案創新的奉獻精神。此次合作顯示 Ripple 對 CBDC 在跨境交易領域的變革潛力充滿信心。

The Future of Remittances

匯款的未來

The formal inbound cross-border payments market surpassed $831 billion globally in 2022, according to World Bank data. Latin America alone accounted for $146 billion, marking a substantial increase in remittance volume over recent decades.

根據世界銀行的數據，到 2022 年，全球正式入境跨境支付市場規模將超過 8,310 億美元。光是拉丁美洲就達 1,460 億美元，標誌著近幾十年來匯款額大幅增加。

Mastercard forecasts continued growth, with digital remittances projected to exceed $550 billion in market share by 2026. Ripple mirrors these trends, anticipating that the broader cross-border payment market could reach the $250 trillion mark by 2027.

萬事達卡預測持續成長，到 2026 年，數位匯款的市佔率預計將超過 5,500 億美元。Ripple 反映了這些趨勢，預計到 2027 年，更廣泛的跨境支付市場可能達到 250 兆美元大關。

As the payments landscape evolves, Ripple's focus on speed, transparency, and cost-efficiency positions it as a key player in the future of remittances. The company's partnerships, technological expertise, and alignment with industry leaders like Mastercard will likely continue to drive innovation and enhance access to financial services for individuals and businesses around the world.

隨著支付領域的發展，Ripple 對速度、透明度和成本效率的關注使其成為未來匯款領域的關鍵參與者。該公司的合作夥伴關係、技術專長以及與萬事達卡等行業領導者的合作可能會繼續推動創新並增強全球個人和企業獲得金融服務的機會。