Stripe 重回加密領域，聚焦穩定幣

Stripe 整合穩定幣可增強金融穩定性並簡化交易：透過將穩定幣納入其支付基礎設施，Stripe 旨在減輕加密貨幣波動性並促進金融包容性。穩定幣的穩定性與美元等法定貨幣掛鉤，使其對日常交易具有吸引力。此外，穩定幣的整合可以減少交易摩擦和成本，為在傳統銀行服務機會有限的地區運營的企業開闢新市場。

Stripe Embraces Stablecoins to Enhance Payment Stability and Global Reach

Stripe 採用穩定幣來增強支付穩定性和全球影響力

Re-Entry into Crypto Sphere with a Strategic Pivot

以戰略支點重新進入加密領域

Stripe, the esteemed online payment processing juggernaut, has marked its re-entry into the cryptocurrency arena, but this time with a nuanced approach centered around stablecoins. Co-founder and President John Collison unveiled the company's revamped crypto strategy at its developers conference in San Francisco, highlighting the company's belief in stablecoins as a pragmatic solution for crypto payments.

Stripe，備受尊敬的線上支付處理巨頭，已重新進入加密貨幣領域，但這次以穩定幣為中心，採取了細緻入微的方法。聯合創始人兼總裁 John Collison 在舊金山舉行的開發者大會上公佈了該公司改進的加密策略，強調該公司相信穩定幣是加密支付的務實解決方案。

Collison emphasized the evolution of the cryptocurrency landscape since Stripe discontinued Bitcoin (BTC) payments in 2018. He remarked on the reduction in transaction times, the decline in fees, and the stabilizing performance of stablecoins, noting, "If we're in a crypto winter post 2021, nobody told the stablecoins."

Collison 強調了自Stripe 於2018 年停止比特幣(BTC) 支付以來加密貨幣格局的演變。中， 2021 年冬季後，沒有人告訴穩定幣。

Stripe's renewed embrace of crypto payments, this time with a focus on stablecoins, is a testament to its commitment to providing a seamless and accessible payment experience. Collison demonstrated the company's enhanced capabilities by conducting a live transaction using USD Coin on the Solana, Ethereum (ETH), and Polygon blockchains.

Stripe 重新擁抱加密支付，這次重點關注穩定幣，證明了其致力於提供無縫且易於訪問的支付體驗的承諾。 Collison 透過在 Solana、以太坊 (ETH) 和 Polygon 區塊鏈上使用 USD Coin 進行即時交易，展示了公司增強的能力。

The Rise of Stablecoins: A Paradigm Shift in Crypto

穩定幣的崛起：加密貨幣的典範轉移

Stablecoins have emerged as a compelling alternative to traditional cryptocurrencies, offering stability and reliability. Unlike their volatile counterparts, stablecoins are pegged to fiat currencies or other assets, mitigating the risk associated with price fluctuations. This stability makes them ideal for everyday transactions, as users can transact with confidence, knowing that the value of their assets will remain relatively stable.

穩定幣已成為傳統加密貨幣的引人注目的替代品，提供穩定性和可靠性。與波動性較大的穩定幣不同，穩定幣與法定貨幣或其他資產掛鉤，降低了與價格波動相關的風險。這種穩定性使它們成為日常交易的理想選擇，因為用戶可以放心地進行交易，因為他們知道自己的資產價值將保持相對穩定。

Key Advantages of Stablecoins

穩定幣的主要優勢

One of the primary advantages of stablecoins is their ability to facilitate cross-border transactions with speed and efficiency. By utilizing blockchain technology, stablecoin transactions can be processed almost instantaneously, eliminating the need for intermediaries and minimizing transaction fees. This makes them an attractive option for businesses operating in the global marketplace, enabling streamlined payment processes and reduced operating costs.

穩定幣的主要優點之一是能夠快速且有效率地促進跨境交易。透過利用區塊鏈技術，穩定幣交易幾乎可以即時處理，消除了對中介機構的需求並最大限度地降低了交易費用。這使得它們成為在全球市場運營的企業的一個有吸引力的選擇，可以簡化支付流程並降低營運成本。

Furthermore, stablecoins inherit the transparency and immutability inherent in blockchain technology. Each transaction is meticulously recorded on a distributed ledger, providing a tamper-proof record of all activities.

此外，穩定幣繼承了區塊鏈技術固有的透明度和不變性。每筆交易都被仔細記錄在分散式帳本上，提供所有活動的防篡改記錄。

Stripe's Adoption of Stablecoins: A Strategic Move

Stripe 採用穩定幣：策略性舉措

Stripe's decision to integrate stablecoins into its payment platform is a strategic move that reflects its recognition of the potential benefits of these digital assets. In 2014, Stripe became the first major payment provider to adopt BTC, but later discontinued the service in 2018 due to usability challenges. However, Stripe has not completely abandoned its crypto aspirations. The company participated in the Libra project, a multi-national digital currency initiative, before withdrawing under political pressure. In 2021, Stripe began rebuilding its crypto engineering team, laying the groundwork for its current foray into stablecoins.

Stripe 決定將穩定幣整合到其支付平台中，這是一項策略性舉措，反映了其對這些數位資產潛在優勢的認識。 2014 年，Stripe 成為第一家採用 BTC 的主要支付提供商，但後來由於可用性挑戰於 2018 年停止了該服務。然而，Stripe 並沒有完全放棄其加密貨幣的願望。該公司參與了多國數位貨幣倡議 Libra 項目，但在政治壓力下退出。 2021 年，Stripe 開始重建加密工程團隊，為其目前進軍穩定幣奠定了基礎。

Pilot Programs and Partnerships

試點計劃和合作夥伴關係

Prior to the official announcement, Stripe had been quietly laying the groundwork for its stablecoin integration. In 2022, Stripe and X introduced a program that allowed creators on the social platform to receive payments in USDC on Polygon, with Stripe serving as the payment processor. Stripe also developed fiat-to-crypto on-ramps through application programming interfaces (APIs) in collaboration with crypto exchanges. Furthermore, in May 2023, Stripe launched a fiat-to-crypto on-ramp in the US, enabling Web3 companies to offer their customers the ability to purchase crypto without coding integrations.

在正式宣布之前，Stripe 一直在悄悄為其穩定幣整合奠定基礎。 2022 年，Stripe 和 X 推出了一項計劃，允許社交平台上的創作者在 Polygon 上接收 USDC 付款，而 Stripe 則充當支付處理商。 Stripe 也與加密貨幣交易所合作，透過應用程式介面 (API) 開發了法幣到加密貨幣的入口。此外，2023 年 5 月，Stripe 在美國推出了法幣到加密貨幣的入口，使 Web3 公司能夠為客戶提供無需編碼整合即可購買加密貨幣的能力。

Conclusion

結論

Stripe's embrace of stablecoins is a significant development that signals the growing acceptance and recognition of these digital assets as a viable and advantageous payment solution. The stability, efficiency, and global reach of stablecoins offer numerous benefits for businesses and consumers alike. Stripe's strategic integration of stablecoins into its payment infrastructure positions the company as a leading player in the evolving landscape of digital payments, empowering businesses and expanding their payment options in the global marketplace.

Stripe 對穩定幣的接受度是一項重大發展，標誌著人們越來越接受和認可這些數位資產作為可行且有利的支付解決方案。穩定幣的穩定性、效率和全球影響力為企業和消費者帶來了許多好處。 Stripe 將穩定幣策略性整合到其支付基礎設施中，使該公司成為不斷發展的數位支付領域的領先者，為企業提供支援並擴大其在全球市場的支付選擇。