B-貨幣先驅Wei dai感情的款項採用加密貨幣狀態

加密貨幣，零售付款的用例之一未能開發，分析師現在正在研究此背後的原因。

Crypto pioneer Wei Dai, known for designing the b-money system, a precursor to bitcoin, expressed his disappointment with the lack of crypto adoption for payments despite the shortcomings of fiat payments.

Crypto Pioneer Wei Dai以設計B-Money System（比特幣的先驅）而聞名，他對儘管菲亞特付款的缺點不足以收養加密貨幣，但他對缺乏加密貨幣的付款表示失望。

Dai, who also serves as the president of blockchain startup Node, created b-money in 1999 as a decentralized and electronic payment system.

戴（Dai）也擔任區塊鏈初創節點總裁，他於1999年創建了B-Money，作為分散和電子支付系統。

This system, which predates bitcoin, aimed to be an uncounterfeitable and easily divisible monetary unit that could be used for payments.

該系統早於比特幣，旨在成為一個不昂貴且易於分區的貨幣單位，可用於付款。

Many of the b-money concepts, such as the use of a hash function and a chain of blocks to secure transactions, are still used in today’s cryptocurrencies.

當今的加密貨幣仍使用了許多B-貨幣概念，例如使用哈希功能和確保交易的塊鏈來確保交易。

However, despite the introduction of various cryptocurrencies and payment solutions, such as stablecoins, and the high fees charged by banks and credit card companies for processing transactions, consumers prefer using fiat currency in their daily spending.

但是，儘管引入了各種加密貨幣和付款解決方案，例如Stablecoins，以及銀行和信用卡公司用於處理交易的高額費用，但消費者喜歡在日常支出中使用法定貨幣。

"It's wild that merchants are still paying ~2-3% from each sale to banks & credit card companies. How come crypto has not won yet in C2B payments?" Dai asked on X.

“瘋狂的是，商人仍然向銀行和信用卡公司支付〜2-3％的費用。加密貨幣公司尚未贏得C2B付款呢？”戴在X上問。

According to him, the optimal scenario for consumers would involve token incentives, a payment app, tradfi-grade account statements, on-ramp from banks, and stablecoin savings with yield, paving the way for explosive adoption.

據他介紹，消費者的最佳場景將涉及令牌激勵措施，付款應用程序，TradFi-Grade帳戶報表，銀行的興起以及以產量的儲蓄，為爆炸性採用鋪平了道路。

Similarly, for businesses, the optimal scenario would include point-of-sale apps on phones and iPads, stablecoin accounts with yield, and off-ramps to banks.

同樣，對於企業而言，最佳方案將包括手機和iPad上的銷售點應用，具有收益率的Stablecoin帳戶以及對銀行的外坡道。

"Banks & credit card companies bootstrapped this in the 60s/70s, why can't crypto companies do this today?" he added.

“銀行和信用卡公司在60年代/​​70年代對此進行了啟動，為什麼加密公司今天不能這樣做？”他補充說。

Many of the problem areas Dai mentioned can be solved by issuing clear regulations for using stablecoins. This subject is currently being discussed in Congress as part of the Guiding and Establishing National Innovation in U.S. Stablecoins (GENIUS) Act, which was introduced in February by Republican Senator Bill Hagerty and is expected to be passed by the U.S. Senate next week.

DAI提到的許多問題領域可以通過發布明確的使用穩定劑來解決。目前正在國會討論這一主題，這是指導和建立美國Stablecoins（Genius）法案的一部分，該法案是由共和黨參議員比爾·哈格蒂（Bill Hagerty）在2月提出的，預計將在下周美國參議院通過。

Nonetheless, social media users pointed out that stablecoin adoption doesn't solve the credit issue, an area where the fiat world excels.

儘管如此，社交媒體用戶指出，stablecoin的採用並不能解決菲亞特世界擅長的信用問題。

"Stablecoin adoption doesn't solve the issue of credit. People want to be able to spend their stablecoins today and pay them back over time, just like how credit card debt works. That's an area where the fiat world excels, and it's crucial for widespread adoption of any new payment technology," a user wrote.

一位用戶寫道：“ stablecoin的採用不能解決信貸問題。人們希望今天能夠花費他們的穩定幣並隨著時間的流逝而償還他們的費用，就像信用卡債務的工作原理一樣。這是菲亞特世界擅長的領域，對於廣泛採用任何新的支付技術至關重要。”

The post B-Money Pioneer Wei Dai Laments State of Crypto Adoption for Payments appeared first on Node Digital.

B-Money P-Money Pioneer Wei Dai感情的款項採用了加密貨幣狀態，首先出現在Node Digital上。

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