PayPal USD（PYUSD）Stablecoin即將進入恆星區塊鏈

PayPal宣布，其美元固定型Sta​​​​blecoin PayPal USD（PYUSD）將很快在Stellar區塊鏈上提供。

PayPal's USD stablecoin, PYUSD, is set to land on the Stellar blockchain, expanding cross-border remittances and small business financing.

PayPal的USD Stablecoin Pyusd將降落在恆星區塊鏈上，擴大跨境匯款和小型企業融資。

The move, currently pending final regulatory approval from the New York Department of Financial Services (NYDFS), marks a significant step in making blockchain technology more accessible for everyday use.

此舉目前在紐約金融服務部（NYDFS）的最終監管部門批准中，這標誌著使區塊鏈技術更容易獲得日常使用的重要一步。

PYUSD, already available on Ethereum and Solana, will gain a new realm of operation with Stellar's network. Stellar is renowned for its speed, low transaction fees, and global reach, making it ideal for payments and financial services.

Pyusd已在以太坊和Solana上使用，將與Stellar的網絡獲得新的運營領域。 Stellar以其速度，低交易費和全球影響力而聞名，使其成為付款和金融服務的理想之選。

Why Stellar?

為什麼要出色？

Stellar's network, spanning over 170 countries, includes a wide range of on- and off-ramps, digital wallets, and integrations with local cash and banking systems. This makes it particularly attractive for everyday users, merchants, and small businesses, especially in emerging markets.

Stellar的網絡跨越了170多個國家 /地區，包括各種各樣的現金錢包和外坡道，數字錢包以及與當地現金和銀行系統的集成。這使其對日常用戶，商人和小型企業，尤其是在新興市場中特別有吸引力。

In these regions, traditional financial systems can be slow, expensive, or inaccessible. However, Stellar's technology enables instant, low-cost cross-border payments and cross-chain interoperability, opening up new possibilities for financial inclusion and economic growth.

在這些地區，傳統的金融系統可能會緩慢，昂貴或無法訪問。但是，Stellar的技術可以瞬間，低成本的跨境支付和跨鏈互操作性，從而為金融包容性和經濟增長開闢了新的可能性。

Enabling 'PayFi': Real-Time Working Capital for SMBS

啟用“ Payfi”：SMB的實時營運資金

Another highlight of this partnership is the introduction of Payment Financing (PayFi). This model enables small and medium-sized businesses (SMBs) to access real-time working capital, disbursed directly in PYUSD on Stellar.

該合作夥伴關係的另一個亮點是付款融資的引入（PAYFI）。該模型使中小型企業（SMB）能夠訪問直接在Pyusd的實時營運資金。

Businesses can use these funds to pay suppliers, manage inventory, or cover other operational expenses, with the added benefits of instant settlement and complete transparency.

企業可以使用這些資金向供應商支付，管理庫存或支付其他運營費用，並獲得即時和解和完全透明度的額外好處。

Also liquidity providers can participate in these financing flows and earn returns from real-world economic activity rather than speculative trading.

而且，流動性提供者可以參與這些融資流程，並從現實世界中的經濟活動中獲得回報，而不是投機性交易。

Boosting Stablecoin Utility Beyond DeFi

將穩定實用程序提升到defi之外

Stablecoins like PYUSD are one of crypto's most practical applications as they combine blockchain's programmability with the stability of fiat currency. But despite their potential, stablecoins haven't yet played a major role in mainstream finance.

像Pyusd這樣的Stablecoins是加密貨幣最實際的應用之一，因為它們將區塊鏈的可編程性與法定貨幣的穩定性相結合。但是，儘管有潛力，但Stablecoins尚未在主流金融中發揮重要作用。

May Zabaneh, PayPal's Vice President of Blockchain and Crypto, said that cross-border payments are a key area where digital currencies can deliver tangible benefits.

PayPal區塊鍊和加密貨幣副總裁May Zabaneh說，跨境支付是數字貨幣可以帶來切實福利的關鍵領域。

The partnership with Stellar aims to support the development and practical use of this technology.

與Stellar的合作夥伴關係旨在支持該技術的開發和實際使用。

This partnership has received preliminary approval from the NYDFS, which oversees stablecoin compliance in New York. A final review of product integration is still pending before the Stellar-based PYUSD officially goes live.

該合作夥伴關係已獲得NYDFS的初步批准，該公司負責監督紐約的Stablecoin合規性。在基於恆星的Pyusd正式上線之前，對產品集成的最終審查仍在審理中。

“Together, we bring stable cryptocurrency to individuals and small businesses in developing markets globally.” - Denelle Dixon, CEO of the Stellar Development Foundation.

“我們一起為全球發展中市場的個人和小型企業帶來了穩定的加密貨幣。” - 恆星發展基金會首席執行官Denelle Dixon。