穩定幣：數位支付的未來

穩定幣是一種數位貨幣，旨在使加密貨幣交易更加實用。大多數穩定幣都與美元或歐元等法定貨幣掛鉤。

Stablecoins are a type of digital currency designed to make transacting with crypto more practical. Most stablecoins are pegged to a fiat currency like USD or EUR. Because of this, stablecoins have acted as a gateway into using blockchain and digital assets for payments amongst users concerned with cryptocurrency price volatility.

穩定幣是一種數位貨幣，旨在使加密貨幣交易更加實用。大多數穩定幣都與美元或歐元等法定貨幣掛鉤。因此，穩定幣已成為關注加密貨幣價格波動的用戶使用區塊鏈和數位資產進行支付的門戶。

Like many digital assets, stablecoins can provide broad, inclusive access to the financial system, and enable the fast and efficient movement of value. In 2022, fiat backed stablecoins transacted $6.87T, eclipsing both Mastercard and PayPal in terms of moving value across networks.

與許多數位資產一樣，穩定幣可以提供廣泛、包容的金融體系准入，並實現價值的快速高效流動。 2022 年，法幣支援的穩定幣交易額為 6.87T 美元，在跨網路轉移價值方面超過了萬事達卡和 PayPal。

Using stablecoins for payments combines the benefits of blockchain technology — namely greater security, transparency, cost efficiency, and speed — with the trust and familiarity of traditional fiat or local currency.

使用穩定幣進行支付結合了區塊鏈技術的優勢——即更高的安全性、透明度、成本效率和速度——與傳統法定貨幣或當地貨幣的信任和熟悉度。

As demand for stablecoins grows, particularly as cash use experiences a historic low, more individuals and businesses are considering these assets as payment alternatives. The number of Americans who say they did not use cash to make a purchase in a typical week is now 41%, up from 29% in 2018. Business owners are increasingly finding the switch to stablecoin payments advantageous, noting rising consumer demand, faster checkouts, lower labor costs and increased security.

隨著穩定幣需求的成長，特別是現金使用量創下歷史新低，越來越多的個人和企業正在考慮將這些資產作為支付替代品。表示每週不使用現金購物的美國人數目前為41%，高於2018 年的29%。更快，降低勞動成本並提高安全性。

The trend towards stablecoin use is driven by the benefits of blockchain technology that add improvement over credit-card and other traditional payment types.

穩定幣使用的趨勢是由區塊鏈技術的優勢推動的，區塊鏈技術比信用卡和其他傳統支付類型有所改進。

Stablecoins reduce the role of intermediaries in the current financial system and support direct transactions between merchants and consumers, reducing intermediary costs. Because stablecoins are cryptographically secure, users can settle transactions almost instantaneously without double-spending or other problematic settlement facilitation.

穩定幣減少了當前金融體系中中介機構的作用，支持商家和消費者之間的直接交易，降低了中介成本。由於穩定幣具有加密安全性，因此用戶幾乎可以即時結算交易，而不會出現雙重支出或其他有問題的結算便利性。

Because stablecoins are built on distributed ledger technology, they offer programmability to payments via smart contracts which can inspire useful product or service innovation and link the traditional Web2 economy with the future of finance—Web3.

由於穩定幣建立在分散式帳本技術的基礎上，因此它們透過智能合約提供了支付的可編程性，這可以激發有用的產品或服務創新，並將傳統的Web2 經濟與未來的金融— Web3 連接起來。

Adoption of new digital payment methods offers significant benefits to customers and society: improved efficiency, greater competition, expanded financial inclusion, and innovation.

採用新的數位支付方式可以為客戶和社會帶來顯著的好處：提高效率、增強競爭、擴大金融包容性和創新。

The fiat-backed stablecoin market cap today is over $100 billion. While the stablecoin market is still largely dominated by a couple incumbents—namely Circle’s USDC and Tether’s USDT—newer stablecoin issuers like PayPal (PYUSD) and Ripple (RLUSD) have more recently come onto the scene with USD-backed stablecoins.

如今，法定支持的穩定幣市值已超過 1,000 億美元。雖然穩定幣市場仍然主要由幾家現有企業主導，即Circle 的USDC 和Tether 的USDT，但PayPal (PYUSD) 和Ripple (RLUSD) 等較新的穩定幣發行商最近也推出了美元支持的穩定幣。

Ripple USD is purpose-built for payments, designed to maintain a constant value of one US dollar. It is fully backed by a segregated reserve of cash and cash equivalents, and is redeemable 1:1 for US dollars. RLUSD is issued on the XRP Ledger and Ethereum blockchains, enabling instant payouts and easy fiat-stablecoin on/off ramps. For exchanges, remittance and money transfer providers, or payment service providers (PSPs) that want to hold, buy and trade USD on-chain, RLUSD provides fast settlement, multi-chain issuance, and programmable finance—opening up a whole new world of use cases and revenue streams.

Ripple USD 專為支付而設計，旨在保持一美元的恆定價值。它完全由獨立的現金和現金等價物儲備支持，並且可以 1:1 兌換為美元。 RLUSD 在 XRP Ledger 和以太坊區塊鏈上發行，可實現即時支付和輕鬆的法定穩定幣進/出坡道。對於想要在鏈上持有、購買和交易美元的交易所、匯款和轉帳提供者或支付服務提供者（PSP）來說，RLUSD 提供快速結算、多鏈發行和可編程金融——開闢了一個全新的世界用例和收入流。

Ripple USD is built with regulatory compliance as a defining feature, bringing with it an opportunity for developers, payment providers, exchanges and others to benefit from the stability and transparency Ripple is uniquely able to provide. With over a decade of experience at the intersection of crypto and finance, and a proven track record working with regulators and policymakers across the globe, Ripple is accelerating the digital asset economy with RLUSD.

Ripple USD 的建構以監管合規性為定義特徵，為開發者、支付提供者、交易所和其他方帶來了從 Ripple 獨特的穩定性和透明度中受益的機會。憑藉在加密貨幣和金融領域十多年的經驗，以及與全球監管機構和政策制定者合作的良好記錄，Ripple 正在透過 RLUSD 加速數位資產經濟的發展。

On-trend with the rest of the global crypto industry, regulation of this new asset class has already begun to take shape, and tends to merit more political support than crypto regulation more broadly. Stablecoin regulation is quickly progressing across the globe, from North America and Europe to Asia, and more recently, the UAE.

與全球加密產業其他領域的趨勢一樣，對這個新資產類別的監管已經開始形成，並且往往比更廣泛的加密監管更值得獲得更多的政治支持。從北美、歐洲到亞洲，以及最近的阿聯酋，穩定幣監管正在全球迅速進展。

The U.S. is witnessing regulatory progress with recent bipartisan support for the 'Clarity of Payments Stablecoin Act'. If passed, the legislation could unlock stablecoin innovation led by private players in the blockchain industry, allowing anyone with consumer distribution (social, commerce, finance) to partner with a regulated stablecoin issuer.

隨著最近兩黨對「支付穩定幣法案」的支持，美國正在見證監管方面的進展。如果通過，該立法可以釋放區塊鏈行業私人參與者主導的穩定幣創新，允許任何擁有消費者分銷（社會、商業、金融）的人與受監管的穩定幣發行人合作。