貝寶（Paypal）的pyusd stablecoin即將進入恆星區塊鏈

PayPal定於將其穩定的Pyusd帶到恆星區塊鏈上，等待監管批准。

PayPal is bringing its stablecoin, PayPal USD (PYUSD), to the Stellar (XLM) blockchain, pending approval from the New York State Department of Financial Services, the company announced.

該公司宣布，PayPal將其Stablecoin（Pyusd）帶入紐約州金融服務局待定的批准。

PYUSD is a dollar-linked stablecoin that was launched by PayPal in July last year and is regulated by the New York State Department of Financial Services. It is designed to offer a stable and efficient digital currency for payments, capital flows, and trade.

Pyusd是一種與美元鏈接的Stablecoin，由PayPal於去年7月推出，並由紐約州金融服務部監管。它旨在為付款，資本流量和貿易提供穩定，高效的數字貨幣。

The integration with Stellar, known for its speed and low-cost transactions, will provide more options for consumers to access and use PYUSD through digital wallets, local bank connections, and cash systems.

與Stellar的集成以其速度和低成本交易而聞名，將為消費者提供更多選擇，以通過數字錢包，本地銀行連接和現金系統訪問和使用PYUSD。

In addition to expanding consumer access, the integration with Stellar will open up new avenues for liquidity and faster, more efficient capital flows for small and medium-sized businesses.

除了擴大消費者的訪問外，與Stellar的集成還將為中小型企業提供新的流動性和更高效率的資本流量。

Using Stellar’s real-time settlement capabilities, businesses will be able to access instant working capital in PYUSD to pay suppliers, manage inventory, or cover other expenses. This approach, often referred to as Payment Financing or “PayFi,” will be especially useful for businesses that deal with delayed payments or need upfront costs.

使用Stellar的實時和解功能，企業將能夠在Pyusd訪問即時的營運資金，以支付供應商，管理庫存或支付其他費用。這種方法通常稱為付款融資或“ Payfi”，對於處理延遲付款或需要預先費用的企業特別有用。

Liquidity providers on the Stellar network can also support these financing needs and potentially earn returns by funding real-world economic activity.

恆星網絡上的流動性提供商還可以支持這些融資需求，並通過資助現實世界中的經濟活動來賺取回報。

PYUSD was initially launched on the Ethereum (ETH) blockchain in August 2023. It was later made available on Solana (SOL) in late 2023, and then expanded to Cardano (ADA) earlier this year.

Pyusd最初於2023年8月在以太坊（ETH）區塊鏈上推出。後來在2023年末在Solana（Sol）上提供，然後於今年早些時候擴展到Cardano（ADA）。

Earlier this year, Coinbase, the largest U.S. crypto exchange, began offering zero-fee transactions for PYUSD and introduced 1:1 USD redemptions, aiming to improve access for merchants and institutional users.

今年早些時候，美國最大的加密交易所Coinbase開始為Pyusd提供零費用交易，並引入了1：1美元的贖回，旨在提高商人和機構使用者的訪問權限。

Moreover, to further incentivize adoption, PayPal will begin offering a 3.7% annual yield—paid monthly—to U.S. users holding PYUSD in PayPal or Venmo wallets. This move is part of PayPal's broader strategy to boost PYUSD adoption and expand its role in global payments.

此外，為了進一步激勵採用，貝寶（PayPal）將開始向持有Pyusd的美國用戶提供3.7％的年度收益率（每月支付）。這一舉動是PayPal提高PYUSD採用並擴大其在全球付款中的作用的更廣泛戰略的一部分。

Notably, PayPal announced in February that it will enable PYUSD payouts via its Hyperwallet platform by the end of Q2 this year, targeting cross-border payments for vendors and freelancers.

值得注意的是，PayPal在2月宣布將在今年第二季度末通過其Hyperwallet平台啟用PYUSD支出，以針對供應商和自由職業者的跨境支付。