貝寶，比特幣和商人：商業的新時代？

PayPal通過使商人能夠接受比特幣和其他加密貨幣來引起海浪。這是商業的未來，還是只是過去的趨勢？

Hold on to your hats, folks! PayPal is diving headfirst into the world of Bitcoin and crypto, making it easier than ever for merchants to accept digital currencies. This ain't your grandma's payment system anymore. Let's break down what's happening.

抓住你的帽子，伙計們！貝寶（Paypal）首先要跳入比特幣和加密貨幣的世界，這使商人比以往任何時候都更容易接受數字貨幣。這已經不是您奶奶的付款系統了。讓我們分解發生的事情。

PayPal Embraces Crypto: A Game Changer for Merchants?

PayPal擁抱加密：商人的遊戲規則改變者？

PayPal's new "Pay with Crypto" feature allows U.S. merchants to accept over 100 cryptocurrencies, including Bitcoin, Ethereum, and even those quirky altcoins you've been hearing about. Launched recently, this feature converts crypto payments into stablecoins or fiat currency in real-time, shielding businesses from the wild volatility of the crypto market.

貝寶（Paypal）的新“使用加密貨幣”功能使我們的商人可以接受100多個加密貨幣，包括比特幣，以太坊，甚至您一直在聽到的那些古怪的山寨幣。該功能最近推出，將加密貨幣付款轉換為穩定貨幣或法定貨幣，從而使企業免受加密貨幣市場的狂野波動。

Think of it this way: a customer in Brooklyn wants to buy a handcrafted lamp from a merchant in Boise. They pay with Bitcoin, PayPal instantly converts it to good ol' U.S. dollars, and the merchant gets paid without having to worry about Bitcoin's price dropping faster than a New Year's Eve ball.

這樣想：布魯克林的一位客戶想從博伊西的商人那裡購買手工製作的燈。他們用比特幣付款，PayPal立即將其轉換為良好的美元，而商人將獲得報酬，而不必擔心比特幣的價格下降的速度比除夕球更快。

The Nitty-Gritty: How It Works

尼特·刻薄：它的工作原理

Merchants can link their PayPal accounts with popular crypto wallets like Coinbase and MetaMask. When a customer pays with crypto, PayPal converts it into their own stablecoin, PYUSD, or directly into fiat currency. For the first year, PayPal is offering a promotional transaction fee of just 0.99%, which will then increase to 1.5%. Even at 1.5%, it's still lower than the average credit card fee. Not bad, right?

商人可以將其PayPal帳戶與Coinbase和MetAmask等流行的加密錢包聯繫起來。當客戶與加密貨幣付款時，PayPal將其轉換為自己的Stablecoin，Pyusd或直接轉換為法定貨幣。在第一年，PayPal的促銷交易費用僅為0.99％，然後將增加到1.5％。即使為1.5％，它仍然低於平均信用卡費用。還不錯，對吧？

Why This Matters

為什麼這很重要

PayPal's move isn't just about jumping on the crypto bandwagon. It's about democratizing global commerce. CEO Alex Chriss emphasizes that this levels the playing field for businesses looking to expand internationally without getting bogged down by high fees and technical headaches. It also aligns with the broader trend of fintech companies using blockchain to modernize payment systems.

貝寶（Paypal）的舉動不僅僅是跳上加密雜貨店。這是關於使全球貿易民主化。首席執行官亞歷克斯·克里斯（Alex Chriss）強調，這是希望在國際上擴大國際擴張而不會因高費用和技術頭痛而陷入困境的企業的競爭環境。它還與使用區塊鏈現代化支付系統現代化的金融科技公司的更廣泛趨勢相吻合。

MicroStrategy: A Different Approach to Bitcoin

微觀：比特幣的另一種方法

While PayPal is making crypto accessible for everyday transactions, MicroStrategy is playing a different game. They've strategically adopted Bitcoin as a treasury asset, raising capital to acquire even more Bitcoin. TD Cowen's analysis suggests MicroStrategy could acquire thousands more BTC without diluting common equity, turning the company into a self-reinforcing Bitcoin acquisition machine.

PayPal正在使日常交易可訪問加密貨幣，但MicroStrategy正在玩不同的遊戲。他們從戰略上採用比特幣作為國庫資產，從而籌集了資金以獲取更多的比特幣。 TD Cowen的分析表明，MicroStrategy可以在不稀釋共同股權的情況下獲得數千種BTC，從而將公司變成自我強化的比特幣採集機器。

For institutions that can't directly hold Bitcoin due to regulatory hurdles, MicroStrategy offers a publicly traded stock (MSTR) as a way to gain indirect exposure. It's like a crypto ETF, but with a company attached. Risky? Maybe. Innovative? Definitely.

對於由於監管障礙而無法直接持有比特幣的機構，MicroStrategy提供了公開交易的股票（MSTR），作為獲得間接接觸的一種方式。這就像一個加密ETF，但有一家公司。冒險？或許。創新的？確實。

The Future of Crypto Payments: A Few Thoughts

加密付款的未來：一些想法

PayPal's foray into crypto payments is a bold move, but it's not without its challenges. Regulatory uncertainty and market volatility are still lurking in the shadows. Plus, PayPal's stablecoin, PYUSD, isn't FDIC insured, so there's a level of trust involved.

貝寶（Paypal）涉足加密貨幣是一個大膽的舉動，但這並非沒有挑戰。監管不確定性和市場波動仍然潛伏在陰影中。另外，貝寶（Paypal）的穩定股份Pyusd沒有FDIC被保險，因此涉及一定程度的信任。

However, the potential benefits are huge. Lower transaction fees, access to new customer bases, and simplified cross-border payments could revolutionize how businesses operate. If PayPal can pull this off, we might just be witnessing the beginning of a new era of commerce.

但是，潛在的好處是巨大的。較低的交易費用，訪問新客戶群以及簡化的跨境支付可能會徹底改變企業的運作方式。如果貝寶能夠實現這一目標，我們可能只是在見證了一個新時代的開始。

So, What's the Verdict?

那麼，判決是什麼？

Is PayPal's crypto push a flash in the pan, or a sign of things to come? Only time will tell. But one thing's for sure: the world of payments is changing, and PayPal is determined to be at the forefront. Now, if you'll excuse me, I'm off to buy a coffee with Bitcoin. Just kidding... maybe.

Paypal的加密貨幣是將鍋中的閃光燈推入鍋中還是要發生的事情？只有時間會證明。但是可以肯定的是：付款的世界正在發生變化，而貝寶被確定位於最前沿。現在，如果您能原諒我，我要去買一個帶比特幣的咖啡。只是在開玩笑...也許。