萬事達卡利用 Mercado Bitcoin 作為加密 P2P 平台

萬事達卡正在為歐洲和拉丁美洲的加密貨幣用戶推出一個點對點平台，名為萬事達卡加密憑證網路。

Mastercard is venturing into the world of cryptocurrency with the launch of a peer-to-peer (P2P) platform for users in Europe and Latin America.

萬事達卡正在進軍加密貨幣領域，為歐洲和拉丁美洲的用戶推出點對點 (P2P) 平台。

Named the Mastercard Crypto Credential network, the platform is currently in its pilot phase and will enable cross-border transactions on select crypto exchanges.

該平台名為萬事達卡加密憑證網絡，目前正處於試點階段，並將在選定的加密貨幣交易所上啟用跨境交易。

This move is part of Mastercard's broader strategy to integrate digital assets into the growing cross-border payments sector.

此舉是萬事達卡將數位資產整合到不斷增長的跨境支付領域的更廣泛策略的一部分。

According to Mastercard, the P2P network will allow users to transact using Mastercard Crypto Credential aliases. These aliases essentially serve as vanity addresses, comparable to the Ethereum Name Service (ENS) on the Ethereum network.

據萬事達卡稱，P2P 網路將允許用戶使用萬事達卡加密憑證別名進行交易。這些別名本質上充當虛榮地址，類似於以太坊網路上的以太坊名稱服務（ENS）。

By utilizing these aliases, users can replace the traditional long string of wallet addresses with more user-friendly labels, simplifying the transaction process.

透過利用這些別名，用戶可以用更人性化的標籤取代傳統的一長串錢包位址，從而簡化交易流程。

Mastercard's entry into the crypto space is significant, especially considering the substantial growth in global remittances, which reached an estimated $831 billion in 2022, compared to $717 billion in 2020.

萬事達卡進軍加密貨幣領域意義重大，特別是考慮到全球匯款大幅成長，預計 2022 年全球匯款額將達到 8,310 億美元，而 2020 年為 7,170 億美元。

This initiative is expected to streamline cross-border payments, particularly in the remittances sector.

這項舉措預計將簡化跨境支付，特別是在匯款領域。

The pilot program includes Mastercard's partners Bit2Me, Lirium, Mercado Bitcoin, and wallet provider FoxBit.

該試點計畫包括萬事達卡的合作夥伴 Bit2Me、Lirium、Mercado Bitcoin 和錢包供應商 FoxBit。

Through this program, human-readable aliases are assigned and verified by Mastercard, helping reduce user error and potential financial loss by pre-screening transactions to ensure compatibility of crypto assets with the recipient's address.

透過該程序，萬事達卡分配和驗證人類可讀的別名，透過預先篩選交易來幫助減少用戶錯誤和潛在的財務損失，以確保加密資產與收件人地址的兼容性。

However, despite these advancements, concerns about centralization and security naturally arise. The Mastercard Crypto Credential program essentially relies on the company to verify user identities and screen transactions.

然而，儘管取得了這些進步，人們自然會產生對集中化和安全性的擔憂。萬事達卡加密憑證計劃本質上依賴該公司來驗證用戶身份並篩選交易。

This raises questions about data security and user privacy, especially considering Mastercard's history of multiple data breaches, exposing over 40 million accounts to hackers since 2005.

這引發了有關資料安全和用戶隱私的問題，特別是考慮到萬事達卡曾多次發生資料外洩事件，自 2005 年以來，已有超過 4,000 萬個帳戶暴露給駭客。

Earlier in March, Mastercard announced a collaboration with Nexi, a payment technology company in Europe, to bring open banking payment options to shoppers across the continent.

3 月初，萬事達卡宣布與歐洲支付科技公司 Nexi 合作，為歐洲大陸的購物者提供開放式銀行支付選項。

Open banking is a modern payment method that allows people to use their existing bank account to pay online quickly. Instead of the usual way of paying, where you might enter your card details, open banking uses the security measures you already have with your bank.

開放銀行是一種現代支付方式，允許人們使用現有的銀行帳戶快速線上支付。開放式銀行業務不同於通常的付款方式（您需要輸入銀行卡詳細資料），而是使用您銀行已有的安全措施。