Stripe的AI革命：付款和加密貨幣的雙重戲劇

Stripe以大膽的舉動標誌著人工智能和金融技術的融合，推出了新的AI基礎模型

In a move that brings together two of the hottest technological domains — artificial intelligence and cryptocurrency — payments giant Stripe has unveiled a new AI foundation model designed for payments, along with a significant expansion of its crypto capabilities.

為了將兩個最熱門的技術領域（人工智能和加密貨幣）匯集在一起​​，付款巨大條紋揭示了一種新的AI基礎模型，並大大擴展了其加密功能。

At its annual developer conference, Stripe unveiled the AI model, which has been trained on trillions of payment transactions and is designed to reduce payment failures, detect fraud more effectively, and streamline checkout experiences.

Stripe在其年度開發人員會議上推出了AI模型，該模型已接受了數万億美元的付款交易培訓，旨在減少付款失敗，更有效地檢測欺詐，並簡化結帳經驗。

The company also announced the launch of stablecoin accounts in over 100 countries, allowing businesses to hold, transfer, and accept payments in digital currencies pegged to traditional fiat currencies.

該公司還宣佈在100多個國家 /地區宣布啟動Stablecoin帳戶，允許企業持有，轉讓和接受與傳統法定貨幣掛鉤的數字貨幣付款。

As reported by TechCrunch, the AI foundation model has been trained on a massive dataset of transactions processed through Stripe’s own platform. This marks the first time a large language model has been specifically specialized for payments.

據TechCrunch報導，AI基礎模型已在通過Stripe自己的平台處理的大量交易數據集上進行了培訓。這標誌著大型語言模型首次專門用於付款。

“We’ve been working on this for several years. The model understands payment flows, settlement timelines, and regulatory requirements across different jurisdictions,” said John Collison, co-founder and president of Stripe.

Stripe的聯合創始人兼總裁John Collison說：“我們已經為此致力了幾年。該模型了解不同司法管轄區的付款流量，和解時間表和監管要求。”

The model can be used for tasks such as adapting to customer queries in real-time, performing cross-border payments in multiple currencies, and handling transaction scenarios that would usually require manual intervention.

該模型可用於諸如實時適應客戶查詢的任務，以多種貨幣進行跨境支付以及處理通常需要手動干預的交易方案。

To power its new AI initiatives, Stripe is deepening its partnership with NVIDIA, which will provide the chipmaker’s computing infrastructure. This collaboration highlights the computational demands of running sophisticated financial AI models at scale.

為了推動其新的AI計劃，Stripe正在加深與NVIDIA的合作夥伴關係，NVIDIA將提供芯片製造商的計算基礎架構。這種合作強調了按大規模運行複雜的財務AI模型的計算需求。

Meanwhile, Stripe’s expansion into the cryptocurrency space follows a period of growing interest from other financial institutions.

同時，Stripe向加密貨幣領域的擴展是其他金融機構日益增長的一段時間。

The company’s stablecoin accounts will initially support USD Coin (USDC) and Euro Coin (EUROC), with plans to add more currencies in the coming months.

該公司的Stablecoin帳戶最初將支持美元硬幣（USDC）和Euro Coin（Euroc），併計劃在未來幾個月內增加貨幣。

Stripe’s platform will offer the advantage of instant settlement across borders without the delays typically associated with traditional banking systems.

Stripe的平台將提供跨境即時和解的優勢，而沒有通常與傳統銀行系統相關的延遲。

“Stablecoins represent a logical evolution in our payment infrastructure. They combine the programmability and global nature of cryptocurrencies with the stability businesses need for day-to-day operations,” said David Singleton, chief technology officer at Stripe.

Stripe首席技術官David Singleton說：“ Stablecoins代表了我們的付款基礎設施中的邏輯發展。它們將加密貨幣的可編程性和全球性質與穩定業務對日常運營的需求相結合。”

Industry analysts view these dual announcements as Stripe positioning itself at the intersection of two transformative technologies in finance.

行業分析師將這些雙重公告視為在金融中兩種變革性技術的交匯處的條紋定位。

“Stripe is betting that AI will fundamentally change how payments are processed, be it for optimal routing, fraud detection, or adapting to evolving customer behavior,” said a financial technology researcher.

一位金融技術研究人員說：“ Stripe押注，AI從根本上改變了處理方式，無論是用於最佳路由，欺詐檢測還是適應不斷發展的客戶行為。”

“At the same time, they are seeing an opportunity with blockchain technology, especially as it facilitates cross-border transactions more efficiently than traditional rails.”

“與此同時，他們看到了區塊鏈技術的機會，尤其是因為它比傳統軌道更有效地促進了跨境交易。”

The company faces competition on both fronts. In the AI space, established payment processors and banks are developing their own machine learning solutions.

該公司在這兩個方面都面臨競爭。在AI領域，已建立的付款處理器和銀行正在開發自己的機器學習解決方案。

Cryptocurrency firms like Circle (the issuer of USDC) have also been building payment infrastructure and testing new transaction formats in the Web3 space.

像Circle（USDC的發行人）這樣的加密貨幣公司也一直在建立付款基礎架構，並在Web3空間中測試新的交易格式。

However, Stripe has the advantage of its massive dataset, which spans millions of businesses globally and hundreds of billions of dollars in annual transaction volume.

但是，Stripe具有其大量數據集的優勢，該數據集涵蓋了全球數百萬個企業和數億美元的年度交易量。

This diverse training data, cutting across industries and geographies, provides a broad foundation for the AI model to learn from and adapt to different economic and technological environments.

跨越行業和地理的培訓數據多樣化的培訓數據為AI模型提供了一個廣大的基礎，可以學習和適應不同的經濟和技術環境。

For businesses, Stripe’s innovations promise reduced payment friction, lower transaction failure rates, and potentially significant cost savings on international transfers.

對於企業來說，Stripe的創新有望減少支付摩擦，降低交易失敗率以及國際轉移的可能性大量成本。

However, regulatory questions remain, particularly around the use of AI in financial decision-making and the varying compliance requirements for stablecoin transactions across different jurisdictions.

但是，仍存在監管問題，尤其是關於在財務決策中使用AI以及對不同司法管轄區的Stablecoin交易的合規要求的不同合規要求。