PayPal USD（PYUSD）擴展到Stellar（XLM）區塊鏈，等待NYDFS批准

PayPal宣布其Stablecoin PayPal USD（PYUSD）很快將在Stellar（XLM）區塊鏈上提供，等待監管批准

PayPal's highly anticipated stablecoin, PayPal USD (PYUSD), is set to expand its reach with an integration on the Stellar (XLM) network, pending approval from the New York State Department of Financial Services (NYDFS).

PayPal備受期待的Stablecoin PayPal USD（PYUSD）將與恆星（XLM）網絡的集成擴大其影響力，並獲得紐約州金融服務部（NYDFS）的批准。

This development, reported by Stellar in a recent blog post, follows PYUSD's existing deployments on Ethereum, Solana, and Cardano, highlighting PayPal's broader goal of enabling seamless and efficient digital payments. Stellar, recognized for its rapid and cost-effective transactions, especially in comparison to Bitcoin's slow throughput and high fees, appears to be a natural fit for this endeavor.

Stellar在最近的博客文章中報導的這一發展是在Pyusd在以太坊，Solana和Cardano上的現有部署之後，突出了PayPal實現無縫和高效的數字付款的更廣泛目標。恆星（Stellar）以其快速且具有成本效益的交易而聞名，尤其是與比特幣的慢速吞吐量和高費用相比，這對於這項工作來說是一種自然的適合。

"The integration will create new possibilities for businesses and users, especially in emerging markets where efficient transactions are crucial for economic activity," Stellar noted in the post.

“整合將為企業和用戶創造新的可能性，尤其是在有效交易對經濟活動至關重要的新興市場中。”

The integration will introduce Stellar's signature 'PayFi' capabilities, enabling real-time payment financing for small and medium-sized enterprises (SMEs). With Stellar's instant settlement capabilities, businesses will be able to access working capital in PYUSD. This capital can be used to manage inventory, pay suppliers, and bridge liquidity gaps, potentially mitigating the cash flow challenges that arise from delayed client payments.

該集成將引入Stellar的簽名“ Payfi”功能，從而為中小型企業（SME）提供實時付款融資。憑藉Stellar的即時和解功能，企業將能夠在Pyusd進入營運資金。該資本可用於管理庫存，付款供應商和橋樑流動性差距，從而有可能減輕客戶付款延遲引起的現金流挑戰。

Moreover, liquidity providers on Stellar may choose to provide capital to support these operations, in turn earning a return on their contributions to the real world economy.

此外，Stellar的流動性提供者可能會選擇提供資金來支持這些業務，從而獲得對現實世界經濟的貢獻的回報。

Since its debut on Ethereum in August 2023, PYUSD has been steadily expanding its footprint. Earlier this year, PayPal announced PYUSD payouts through Hyperwallet, targeting cross-border payments for freelancers and vendors, with a rollout expected to be completed by the end of Q2.

自2023年8月在以太坊上首次亮相以來，Pyusd一直在穩步擴大其足跡。今年早些時候，PayPal宣布了PYUSD通過Hyperwallet付款，以跨國公司和供應商的跨境支付為目標，預計將在第二季度結束時完成。

Additionally, PayPal is offering a 3.7% APY yield for U.S. users who hold PYUSD in PayPal or Venmo wallets, paid out monthly to incentivize adoption of its stablecoin.

此外，PayPal還為在PayPal或Venmo錢包中持有Pyusd的美國用戶提供3.7％的APY收益率，每月支付，以激勵採用其Stablecoin。

In related news, Coinbase has announced that it will be waiving all fees for PYUSD transactions and will offer 1:1 USD redemptions for PayPal’s USD-linked stablecoin, aiming to simplify institutional and merchant adoption.

在相關新聞中，Coinbase宣布將免除PYUSD交易的所有費用，並將為PayPal與USD鏈接的Stablecoin提供1：1美元的贖回，旨在簡化機構和商家的採用。

If the Stellar integration receives regulatory clearance, PayPal's stablecoin will be better positioned to function as a globally accessible, programmable payment layer, with seamless fiat-to-digital onramps and broader financial inclusivity.

如果恆星集成獲得監管許可，則PayPal的Stablecoin將更好地作為全球可訪問的，可編程的支付層的功能，並具有無縫的FIAT-FIAT-DIGITAL ONRAMPS和更廣泛的財務包容性。

Recently we wrote that the U.S. Senate has voted to end debate on the Guiding and Empowering National Innovation for Unified Standards (GENIUS) Act, a major stablecoin regulation bill, moving it toward final passage next Monday.

最近，我們寫道，美國參議院已投票決定結束有關指導和授權國家創新統一標準（GENIUS）法案的辯論，這是一項主要的Stablecoin法規法案，將其轉移到下週一的最終段落。