Stablecoins正在破壞跨境支付

在當今越來越相互聯繫的全球經濟中，企業不斷尋求更快，更具成本效益的方式來進行跨境支付。

In today’s increasingly interconnected global economy, businesses are continuously seeking faster, more cost-effective ways to conduct cross-border payments. Traditional remittance systems often present challenges—high fees, extended processing times, and currency volatility—that can hinder global commerce, particularly for small and medium-sized enterprises (SMEs).

在當今越來越相互聯繫的全球經濟中，企業不斷尋求更快，更具成本效益的方式來進行跨境支付。傳統的匯款系統通常會帶來挑戰 - 高收費，延長的處理時間和貨幣波動，這可能會阻礙全球貿易，特別是對於中小型企業（中小型企業）。

Emerging financial technologies like stablecoins are offering promising solutions that streamline international payments.

諸如Stablecoins之類的新興金融技術正在提供有希望的解決方案來簡化國際付款。

The Problem with Traditional Cross-Border Payments

傳統跨境支付的問題

Existing international payment methods frequently rely on multiple intermediaries, resulting in high costs and delays. For example, transferring $200 could incur fees as high as $12–$20, according to the World Bank.

現有的國際支付方法通常依賴多個中介機構，從而導致高成本和延誤。例如，根據世界銀行的數據，轉移200美元可能會產生高達12-2美元的費用。

These systems also tend to process transactions over several business days, with fluctuating exchange rates further reducing the actual amount received. Such inefficiencies are especially burdensome for SMEs that often work with narrow profit margins.

這些系統還傾向於在幾個工作日處理交易，匯率波動進一步降低了實際收到的金額。對於經常與利潤率狹窄的中小型企業相比，這種效率低下的效率尤其負擔。

What Are Stablecoins?

什麼是Stablecoins？

Stablecoins are a type of cryptocurrency pegged to the value of stable assets like fiat currencies (e.g., USD or EUR), aiming to offer price stability in the otherwise volatile crypto market. Popular examples include USDT (Tether), USDC (USD Coin), and BUSD (Binance USD).

穩定幣是一種加密貨幣，符合法定貨幣（例如，美元或歐元）等穩定資產的價值，旨在在原本波動的加密市場中提供價格穩定性。流行的例子包括USDT（Tether），USDC（USD Coin）和Busd（Binance USD）。

There are three main types:

主要類型有三種：

Stablecoins and the Cross-Border Payment Advantage

Stablecoins和跨境支付優勢

In 2023, stablecoin market capitalization surpassed $150 billion, and transaction volume surged, with stablecoins accounting for over 50% of crypto activity in Q4, per Chainalysis.

在2023年，Stablecoin市值超過了1500億美元，交易量飆升，Stablecoins佔第四季度加密貨幣活動的50％以上。

Stablecoins can be transferred quickly and cheaply across borders on blockchain networks such as Tron or Polygon, often in seconds and for a fraction of a cent. These advantages offer practical value to e-commerce platforms, SaaS companies, and global traders.

可以在諸如Tron或Polygon之類的區塊鍊網絡上的邊界快速，便宜地轉移穩定的，通常在幾秒鐘內和一分錢。這些優勢為電子商務平台，SaaS公司和全球商人提供了實用價值。

Their decentralized nature also means transactions occur outside of traditional systems like SWIFT, with 24/7 availability and improved transparency thanks to blockchain’s open-ledger architecture.

他們的分散性質還意味著交易發生在Swift等傳統系統之外，借助區塊鏈的開放式LEDGER架構，其可用性為24/7，並提高了透明度。

Infographic: Traditional Payments vs. Stablecoin Payments

信息圖：傳統付款與穩定付款

Case Study: How UniPayment Supports Cross-Border Transactions

案例研究：單交易如何支持跨境交易

UniPayment, a blockchain payment solution provider, offers tools that facilitate stablecoin-based transactions for entrepreneurs and businesses.

區塊鏈支付解決方案提供商Unipayment提供了促進基於穩定的企業家和企業的交易的工具。

Its platform supports a multi-currency wallet for USDT and USDC, allowing conversion to over 26 fiat currencies, including USD and EUR. With built-in Smart Order Router technology, currency conversions can occur instantly—streamlining operations for businesses in international trade.

它的平台支持USDT和USDC的多貨幣錢包，可轉換為26多個法定貨幣，包括USD和EUR。借助內置的智能訂單路由器技術，可以立即進行貨幣轉換 - 為國際貿易業務的運營提供。

The platform also adheres to compliance protocols under licenses in Lithuania and Belgium, and uses security measures such as multi-party computation (MPC) and cold storage to protect user funds.

該平台還遵守立陶宛和比利時的許可下的合規協議，並使用安全措施（例如多方計算（MPC）和冷藏量）來保護用戶資金。

By reducing reliance on traditional banks, UniPayment enables underserved communities—including minority entrepreneurs and freelancers—to conduct cross-border transactions more easily and securely using only internet-enabled devices.

通過減少對傳統銀行的依賴，單交可以使服務不足的社區（包括少數民族企業家和自由職業者）僅使用支持Internet的設備更輕鬆，安全地進行跨境交易。

Industry Outlook: A Growing Market

行業前景：一個不斷增長的市場

These indicators underscore the growing momentum behind digital currencies and stablecoins in particular as viable tools for global commerce.

這些指標強調了數字貨幣和穩定幣背後不斷增長的動力，尤其是作為全球商業的可行工具。

Unlocking Financial Inclusion

解鎖金融包容性

Stablecoins are helping address the global financial inclusion gap, especially in developing regions. The World Economic Forum reports that 1.7 billion adults remain unbanked.

Stablecoins正在幫助解決全球金融包容性差距，尤其是在發展中的地區。世界經濟論壇報導說，有17億成年人仍然沒有銀行賬戶。

In places like Nigeria, stablecoins facilitated over $56 billion in cryptocurrency payments in 2023, mostly conducted via mobile wallets. This access enables independent workers and small business owners to participate in global markets, bypassing traditional banking barriers.

在尼日利亞這樣的地方，Stablecoins在2023年便利了超過560億美元的加密貨幣支付，主要是通過移動錢包進行的。此訪問使獨立工人和小型企業主能夠繞開傳統的銀行業務障礙。

Final Thoughts: The Road Ahead

最終想法：前進的道路

Stablecoins are proving to be more than a digital trend. They represent a shift toward more accessible, transparent, and cost-effective cross-border transactions.

事實證明，穩定劑不僅僅是一種數字趨勢。它們代表著向更容易獲得，透明和成本效益的跨境交易的轉變。

While challenges remain around regulation and adoption, stablecoins offer a glimpse into a financial system that prioritizes efficiency and inclusivity. Platforms like UniPayment are contributing to this shift by offering secure, compliant, and scalable payment infrastructure for users worldwide.

儘管挑戰仍然存在於法規和採用方面，但Stablecoins瞥見了優先級效率和包容性的金融體系。諸如Unipayment之類的平台通過為全球用戶提供安全，合規性和可擴展的付款基礎架構，從而為這一轉變做出了貢獻。