Coinbase 高層表示，與當地貨幣掛鉤的穩定幣將為東南亞大規模採用區塊鏈技術鋪路

目前，Coinbase交易所沒有進入東南亞司法管轄區的計劃，但其錢包業務以及區塊鏈平台Base的目標是進入大眾市場

Coinbase is aiming to reach mass markets in Southeast Asia through its wallet business and blockchain platform Base, enabling local developers to build products that will eventually support baht and peso stablecoins.

Coinbase 的目標是透過其錢包業務和區塊鏈平台 Base 打入東南亞的大眾市場，使當地開發人員能夠建立最終支持泰銖和比索穩定幣的產品。

At present, Coinbase Exchange has no plans to enter Southeast Asian jurisdictions. However, Base, a second layer on top of the Ethereum blockchain where developers can create apps and process transactions, is aiming to reach mass markets in Thailand and the Philippines.

目前，Coinbase交易所沒有進入東南亞司法管轄區的計畫。然而，Base 是以太坊區塊鏈之上的第二層，開發人員可以在其中創建應用程式並處理交易，其目標是進入泰國和菲律賓的大眾市場。

“When you bring a local currency ‘onchain,’ it solves a few problems,†said Jesse Pollak, founder of Base and head of Coinbase Wallet, referring to transactions that are processed on a blockchain. “One, it makes it easier for people to onboard without the complexity of changing your worldview about money. If you have a Thai baht stablecoin, it’s literally the same money but just faster, cheaper, and easier to use.â€

Base 創辦人兼 Coinbase 錢包負責人 Jesse Pollak 表示：「當你將本地貨幣『鏈上』時，它可以解決一些問題。」他指的是區塊鏈上處理的交易。 「第一，它讓人們更容易加入，而不需要複雜地改變你對金錢的世界觀。如果你有泰銖穩定幣，它實際上是同樣的錢，但速度更快、更便宜、更容易使用。

Speaking to Nikkei Asia after visiting Thailand for the Southeast Asian leg of Devcon, an expo organized by Ethereum, Pollak highlighted the potential for stablecoins to modernize legacy payment systems in the region.

Pollak 在訪問泰國參加以太坊組織的 Devcon 東南亞站後接受《日經亞洲》採訪時強調了穩定幣使該地區傳統支付系統現代化的潛力。

At Devcon, non-Thai participants were able to convert dollar stablecoins to baht stablecoins without foreign exchange fees and make payments through Rubie, a new stablecoin wallet from Siam Commercial Bank built on Base. Pollak said SCB would assess the pilot with regulators in order to secure approval for a full rollout.

在 Devcon 上，非泰國參與者能夠將美元穩定幣兌換為泰銖穩定幣，無需外匯費用，並透過 Rubie（暹羅商業銀行在 Base 上建立的新型穩定幣錢包）進行付款。波拉克表示，SCB 將與監管機構一起評估該試點項目，以確保全面推出獲得批准。

Thailand pioneered digital payments in Southeast Asia with PromptPay, the government-backed QR code payments system. But only Thai nationals or foreign residents with local bank accounts can use the system, leaving out the nearly 30 million tourists that visit Thailand each year.

泰國透過政府支持的二維碼支付系統 PromptPay 在東南亞率先推出數位支付。但只有泰國國民或擁有當地銀行帳戶的外國居民才能使用該系統，每年訪問泰國的近 3,000 萬遊客被排除在外。

“You want to grow the economy, but when you have tourists or folks who are traveling for work, they are locked out of those best-in-class systems and have to resort to converting their cash into Thai baht and paying a fee,†Pollak said. “That’s actually a pretty difficult challenge right now that stablecoins can help to overcome.â€

「你想要發展經濟，但當你有遊客或出差的人時，他們被排除在那些一流的系統之外，不得不求助於將現金兌換成泰銖並支付費用， 」波拉克說。 “目前這實際上是一個相當困難的挑戰，穩定幣可以幫助克服。”

Pollak added that Base is looking to hire country leads in Thailand and the Philippines to work with developers, content creators, regulators, and mass market users of its apps and wallet.

Pollak 補充說，Base 正在尋求聘請泰國和菲律賓的國家主管，與其應用程式和錢包的開發人員、內容創作者、監管機構和大眾市場用戶合作。

While interest in cryptocurrencies is high among Thai retail investors seeking greater returns than traditional assets and securities, many suffered losses in the crypto crash of 2022 that felled Zipmex, which had been the country’s second largest exchange. The exchange was replaced last year by Binance, Coinbase’s global rival, which secured its first digital asset exchange license in Southeast Asia from Thailand.

儘管尋求比傳統資產和證券更高回報的泰國散戶投資者對加密貨幣的興趣很高，但許多人在2022 年加密貨幣崩盤中蒙受了損失，這場崩盤導致了該國第二大交易所Zipmex的垮台。去年，該交易所被 Coinbase 的全球競爭對手幣安所取代，幣安從泰國獲得了東南亞首個數位資產交易牌照。

“If you look at the history of crypto, it has been very speculative,†Pollak said. “When things are going up, there’s a lot of positive energy, but if things go down, negativity and fear proliferates. So one of the biggest things we’re focused on is shifting it so it’s not about speculation, but about utility.â€

「如果你回顧一下加密貨幣的歷史，你會發現它的投機性非常強，」波拉克說。 「當事情上升時，會有很多積極的能量，但如果事情下降，消極和恐懼就會激增。因此，我們關注的最重要的事情之一就是改變它，這樣它就不再是投機，而是效用。