PayPal升級其Pyusd Stablecoin，通過與Stellar區塊鏈集成來支持現實世界中的付款

PayPal正在升級其Stablecoin Pyusd，以與恆星區塊鏈集成，以支持現實世界中的付款，商業和小額信貸

PayPal is integrating its stablecoin, PYUSD, with the Stellar blockchain network to support real-world payments, e-commerce activity, and microfinancing, marking a major evolution in its digital currency strategy.

PayPal將其Stablecoin Pyusd與Stellar Blockain網絡相結合，以支持現實世界中的付款，電子商務活動和小額信貸，這標誌著其數字貨幣戰略的重大發展。

PYUSD, launched by PayPal in November 2023, is now expanding beyond its initial focus on Ethereum and Solana to include Stellar, a network known for processing transactions in seconds with minimal fees. This move positions PYUSD for broader adoption among developers and businesses.

Pyusd由PayPal於2023年11月推出，目前正在擴大其最初對以太坊和Solana的關注，其中包括Stellar，這是一個以最少費用的幾秒鐘來處理交易而聞名的網絡。此舉將PYUSD定位為在開發人員和企業中更廣泛的採用。

Stellar's blockchain is designed for speed, cross-border usability, and scalability. With a presence in 170 countries, Stellar's ecosystem includes digital wallets, local fiat on/off ramps, and seamless banking integration. This makes it a natural fit for PayPal's ambition to bring stablecoin-powered payments to the masses, especially in emerging markets where traditional banking can be expensive or inaccessible.

Stellar的區塊鏈專為速度，跨境可用性和可擴展性而設計。 Stellar的生態系統在170個國家/地區擁有在170個國家/地區，包括數字錢包，本地命令開/關和無縫的銀行整合。這使得Paypal的野心自然而然地向大眾帶來了穩定的付款，尤其是在傳統銀行業務可能是昂貴或無法訪問的新興市場中。

“We are excited to welcome PYUSD to Stellar,” said Danelle Dixon, CEO of the Stellar Development Foundation. “At Stellar, we built our blockchain to provide the speed, low fees, and scalability needed to truly revolutionize cross-border payments at scale. We are focused on making financial services accessible to everyone around the world.”

Stellar Development Foundation首席執行官Danelle Dixon說：“我們很高興歡迎Pyusd來到Stellar。” “在Stellar，我們建立了區塊鏈，以提供真正徹底改變跨境支付所需的速度，低費用和可伸縮性。我們專注於使世界各地的每個人都可以使用金融服務。”

This partnership also brings PayFi, a payment financing model designed for small and medium-sized businesses (SMBs) to address delayed receivables and pre-funding issues. Through PayFi, businesses can easily apply for and receive instant working capital loans in PYUSD, which are conveniently deposited into their Stellar wallets.

該合作夥伴關係還帶來了Payfi，這是一種付款融資模式，該模式為中小型企業（SMB）設計，以解決延遲的應收賬款和預先資助的問題。通過Payfi，企業可以輕鬆地在Pyusd申請並接收即時的營運資本貸款，這些營業貸款便利地存放在其恆星錢包中。

These funds can be used to pay suppliers, manage cash flow efficiently, and cover inventory expenses. The instant settlement and transparency offered by blockchain facilitate optimal operational efficiency, which is not typically found in traditional financial channels. Moreover, liquidity providers can directly participate in the PayFi model and earn attractive yields from real-world economic activity, as opposed to engaging in speculative crypto trading.

這些資金可用於向供應商支付，有效管理現金流並支付庫存費用。區塊鏈提供的即時和解和透明度促進了最佳的運營效率，這通常在傳統的金融渠道中找到。此外，流動性提供商可以直接參與Payfi模型，並從現實世界中的經濟活動中賺取有吸引力的收益，而不是從事投機加密交易。

"We are excited to see PayPal integrating PYUSD with Stellar's blockchain and expanding the possibilities for stablecoins in Web3," said Chris. "This partnership brings together two organizations at the forefront of financial innovation."

克里斯說：“我們很高興看到Paypal將Pyusd與Stellar的區塊鏈整合在一起，並擴大了Web3中Stablecoins的可能性。” “這種夥伴關係匯集了兩個組織在金融創新的最前沿。”

May Zabaneh, VP of Blockchain, Cryptocurrency, and Digital Currency at PayPal, added: “We believe that stablecoins are one of crypto's best-known "killer apps", offering the stability of fiat currency with the flexibility and speed of blockchain technology. We are eager to see what developers build with PYUSD on Stellar.”

貝寶（Paypal）的區塊鏈，加密貨幣和數字貨幣副總裁May Zabaneh補充說：“我們相信，穩定的穩定性是Crypto最著名的“ Killer Apps”之一，為FIAT貨幣的穩定性提供了具有區分型技術的靈活性和速度。我們渴望看到開發人員與Pyusd一起在Stellar上建立了什麼。”

Stablecoins are quickly becoming a key focus area in the blockchain industry, and PYUSD is one of the most closely watched stablecoins due to PayPal's vast user base and merchant network.

由於PayPal龐大的用戶群和商家網絡，Stablecoins迅速成為區塊鏈行業的關鍵重點領域，Pyusd是最受關注的Stablecoins之一。

PYUSD is applying for New York Department of Financial Services (NYDFS) approval for Stellar integration. The move comes after the firm received approval from the agency to launch its own stablecoin earlier this year.

Pyusd正在申請紐約金融服務部（NYDFS）批准出色的整合。此舉是在該公司獲得該機構的批准之後，今年早些時候推出了自己的Stablecoin。

During the launch, NYDFS emphasized the importance of robust anti-money laundering (AML) and know-your-customer (KYC) programs, in addition to a comprehensive framework for cybersecurity and consumer protection measures. These areas will likely be crucial for the Stellar integration.

在發布過程中，NYDFS強調了強大的反洗錢（AML）和知識客戶（KYC）計劃的重要性，此外還有一個用於網絡安全和消費者保護措施的綜合框架。這些區域可能對恆星整合至關重要。

PYUSD is also entering a competitive market with Circle's USDC, backed by Goldman Sachs, currently boasting over $50 billion in circulation and taking the lead in stablecoin payments. Meanwhile, Tether's USDT remains a global giant in the broader stablecoin market.

Pyusd還以圓滿的USDC進入了一個競爭激烈的市場，該公司在高盛（Goldman Sachs）的支持下，目前擁有超過500億美元的發行量，並以Stablecoin的付款領先。同時，Tether的USDT仍然是更廣泛的Stablecoin市場中的全球巨頭。

PYUSD is entering a saturated market where network effects and trusted liquidity partners will be critical for success.

Pyusd進入了一個飽和的市場，網絡效應和值得信賴的流動性合作夥伴對於成功至關重要。