PayPal的Pyusd面臨著主流採用的艱苦戰。獎勵和跨境支付解決方案等激勵措施可能是關鍵。

PayPal, Stablecoins, and Incentives: Cracking the Adoption Code

貝寶（Paypal），穩定幣和激勵措施：破解收養代碼

PayPal is betting big on stablecoins, but adoption hinges on giving users a reason to switch. Rewards, international transfers, and regulatory shifts are all in play. Let's dive in.

貝寶（Paypal）押注穩定股（Stablecoins），但採用取決於為用戶提供切換的理由。獎勵，國際轉會和監管轉變都在起作用。讓我們潛水。

The Incentive Problem: Why Aren't We All Using Stablecoins?

激勵問題：為什麼我們都不都使用stablecoins？

PayPal CEO Alex Chriss hit the nail on the head: Americans aren't ditching their credit cards for stablecoins without a good reason. Those 2-3% interchange fees? Merchants hate 'em, but consumers need a perk to jump ship. That's where PayPal's getting creative.

貝寶（Paypal）首席執行官亞歷克斯·克里斯（Alex Chriss）擊中了指甲：美國人沒有在沒有充分理由的情況下拋棄他們的信用卡。這些2-3％的互換費？商人討厭他們，但消費者需要一個津貼才能跳船。那就是貝寶（Paypal）發揮創造力的地方。

PayPal's PYUSD: Rewards and Remittances to the Rescue?

貝寶（Paypal）的pyusd：救援的獎勵和匯款？

PayPal launched PYUSD in August 2023, aiming to grab a slice of the stablecoin pie. Chriss gets it: crypto natives aren't the only target. So, PayPal's dangling carrots like a 3.7% annual yield on PYUSD balances. They're also eyeing cross-border payments, where remittance fees can be brutal – averaging over 6% globally. Imagine bypassing that with faster, cheaper blockchain transfers via PYUSD on the Stellar network. That's the PayFi strategy in action.

PayPal於2023年8月推出了Pyusd，旨在抓住Stablecoin Pie的切片。克里斯明白了：加密本地人不是唯一的目標。因此，貝寶（Paypal）懸空的胡蘿蔔（Pyusd）平衡的年收益率為3.7％。他們還關注跨境支付，在那裡匯款可能是殘酷的 - 全球平均超過6％。想像一下，通過恆星網絡上的pyusd繞過更快，更便宜的區塊鏈轉移。那是行動中的薪資策略。

The Regulatory Wild Card: Will the GENIUS Act Help or Hinder?

監管通配符：天才行為會有所幫助還是阻礙？

Congress is tinkering with stablecoin regulations. The GENIUS Act could bring clarity for big players but might squeeze smaller issuers. The impact is already rippling through the market, with Visa and Mastercard shares feeling the heat. But don't count the card giants out; they're heavily invested in blockchain too.

國會正在修改Stablecoin法規。 《天才法案》可以為大型玩家帶來明顯的清晰度，但可能會擠壓較小的發行人。簽證和萬事達卡的股票感受到熱量，影響已經在市場上蕩漾。但是不要算出紙牌巨人；他們也對區塊鏈進行了大量投資。

Beyond US Shores: Stablecoin Adoption is Already Thriving

超越美國海岸：穩定的採用已經蓬勃發展

It's important to remember that Chriss is speaking from a US-centric perspective. In many developing nations, stablecoins are a lifeline, providing access to the dollar and enabling fast, cheap cross-border payments. The incentives are already there for those consumers.

重要的是要記住，克里斯從以美國為中心的角度講話。在許多發展中國家中，Stablecoins是一條生命線，可提供對美元的訪問權限，並可以快速，廉價的跨境支付。這些消費者的激勵措施已經在那裡。

My Take: It's All About the Benjamins (and the Speed)

我的看法：這一切都是關於本傑明（和速度）

PayPal's onto something with the rewards and remittance play. PYUSD needs to be more than just a crypto trading tool; it needs to solve real-world problems. The competition is fierce, with USDC and USDT dominating, but PayPal has the brand recognition and user base to make a dent, especially if they can deliver on faster, cheaper international transfers. The confidential asset tech, as seen with Bitcoin.com's integration of Zano's Freedom Dollar ($fUSD), could also play a key role by offering enhanced privacy, a growing demand in the crypto space.

貝寶（Paypal）帶著獎勵和匯款遊戲來進行一些事情。 Pyusd不僅僅是加密交易工具，還需要更多。它需要解決現實世界中的問題。競爭非常激烈，USDC和USDT主導著，但是PayPal擁有品牌認可和用戶群來造成凹痕，尤其是如果他們可以進行更快，更便宜的國際轉移。 Bitcoin.com對Zano的Freedom Dollar（$ fusd）的整合所看到的機密資產技術也可以通過提供增強的隱私和加密領域的需求增長來發揮關鍵作用。

The Bottom Line

底線

PayPal's got a tough road ahead, but their focus on incentives and strategic partnerships could shake up the stablecoin game. Will it work? Only time will tell. But one thing's for sure: the race for stablecoin supremacy is just heating up!

貝寶（Paypal）的前進道路艱難，但是他們對激勵措施和戰略合作夥伴關係的關注可能會動搖穩定遊戲。它會起作用嗎？只有時間會證明。但是可以肯定的是：斯塔布萊肯至高無上的比賽只是在加熱！