超級應用程序，穩定幣和未來付款：紐約市的觀點

探索超級應用程序和Stablecoins如何重塑付款的未來，挑戰傳統巨頭並促進創新。

Yo, check it—the payments game is changing faster than the L train on a Monday morning. Super apps and stablecoins are the new power couple, ready to disrupt everything from your morning coffee run to how Wall Street moves money. Let’s break it down, New York style.

喲，檢查一下 - 付款遊戲的變化速度比星期一早上的L火車快。超級應用程序和Stablecoins是一對新的Power夫婦，準備破壞從早晨咖啡到華爾街如何移動資金的一切。讓我們分解，紐約風格。

What's the Deal with Super Apps?

超級應用程序有什麼關係？

Think of super apps as the Swiss Army knives of the digital world. They're not just one thing; they're everything—messaging, shopping, ride-hailing, and, most importantly, payments, all rolled into a single, slick app. WeChat and Grab are already killing it overseas, and now they’re eyeing the U.S. market. The goal? To make your life easier by putting everything you need in one place.

將超級應用程序視為數字世界的瑞士軍刀。他們不僅僅是一件事；它們是一切 - 付款，購物，乘車，最重要的是付款，全部都陷入了一個單一的精巧應用程序。微信和搶劫已經在海外殺死它，現在他們正在關注美國市場。目標？通過將所有您需要的東西放在一個地方，使您的生活更輕鬆。

Stablecoins: The Secret Sauce

Stablecoins：秘密調味料

Stablecoins are cryptocurrencies pegged to stable assets like the U.S. dollar. Why does this matter? They cut out the middleman in transactions, slashing fees and speeding things up. Visa and Mastercard charge merchants around 3% per transaction, but stablecoins offer a cheaper, more direct route. This is huge for small businesses and consumers looking to save a few bucks.

Stablecoins是加密貨幣，將其固定在穩定的資產上。為什麼這很重要？他們在交易中削減了中間人，削減了費用並加速了速度。簽證和萬事達卡收費商人每筆交易約3％，但Stablecoins提供了更便宜，更直接的路線。對於希望節省幾美元的小型企業和消費者來說，這是巨大的。

The GENIUS Act: Uncle Sam Steps In

天才法：山姆大叔踏入

President Trump signed the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act) in July 2025, laying down the law for stablecoin issuers. This act mandates that stablecoins must be backed 1:1 with U.S. Treasuries or cash, and prohibits rehypothecation, and establishes a dual regulatory regime involving the Federal Reserve, OCC, FDIC, and state authorities. It’s all about transparency and consumer protection, making stablecoins safer and more legit.

特朗普總統於2025年7月簽署了為美國Stablecoins法案（Genius Act）的指導和建立國家創新，為Stablecoin發行人制定了法律。該法令規定，必須用美國國庫或現金來支持穩定的1：1，並禁止重新使用，並建立涉及美聯儲，OCC，FDIC和州當局的雙重監管制度。這一切都與透明度和消費者保護有關，使穩定的穩定性更安全，更合法。

Who's Playing the Game?

誰在玩遊戲？

The stablecoin market is heating up with both established players and fresh faces. Circle, the issuer of USDC, has been crushing it, but now you've got Kraken, Robinhood, and even X (formerly Twitter) jumping into the mix. Even JPMorgan and Citigroup are developing their own stablecoins, signaling a major shift in the financial landscape.

Stablecoin市場正在與已建立的玩家和新鮮面孔一起升溫。 USDC的發行人Circle一直在粉碎它，但是現在您已經擁有Kraken，Robinhood，甚至X（以前是Twitter）參與其中。甚至摩根大通和花旗集團也在開發自己的穩定劑，這表明金融景觀發生了重大轉變。

Impact on Traditional Payment Giants

對傳統付款巨頭的影響

Visa and Mastercard better watch out. Super apps and stablecoins are offering faster, cheaper payment solutions that could steal their market share. To stay in the game, these giants might need to embrace blockchain tech or team up with super apps. It’s adapt or get left behind, baby.

Visa和Mastercard最好當心。 Super Apps和Stablecoins提供更快，更便宜的支付解決方案，這些解決方案可能會竊取其市場份額。要留在遊戲中，這些巨頭可能需要採用區塊鏈技術或與超級應用程序合作。寶貝，它是適應或被拋在後面的。

Data-Driven Opportunities

數據驅動的機會

The GENIUS Act's impact is already visible in market behavior. JPMorgan's stock, for instance, has seen a 12% surge in 2025 as the bank accelerates its stablecoin initiatives. Similarly, fintech firms like PayPal and Square (now Block) have outperformed broader indices, driven by their ability to integrate stablecoins into payment rails and user-facing products.

《天才法案》的影響已經在市場行為中可見。例如，摩根大通的股票在2025年的股票增長了12％，因為該銀行加速了其Stablecoin倡議。同樣，諸如PayPal和Square（現已塊）之類的金融科技公司的表現優於更廣泛的指數，這是由於其將Stablecoins集成到付款導軌和麵向用戶的產品中的能力。

My Take

我的看法

Here’s my two cents: Stablecoins are not just another crypto fad. With the GENIUS Act providing a solid regulatory framework, they’re becoming a legitimate alternative to traditional payment systems. Institutions are taking notice, and that’s where the real money is. Keep an eye on blockchain infrastructure providers like Arbitrum and Solana; they're the unsung heroes enabling low-cost, high-speed transactions.

這是我的兩分錢：Stablecoins不僅是另一種加密時尚。隨著《天才法》提供堅實的監管框架，它們成為傳統支付系統的合法替代方案。機構正在註意，這就是真正的錢。密切關注區塊鏈基礎設施提供者，例如仲裁和索拉納；他們是無名英雄，可以實現低成本，高速交易。

The Road Ahead

前面的道路

Of course, there are risks. The GENIUS Act’s 18-month implementation timeline means we won’t see the full impact until November 2026. But the writing’s on the wall: stablecoins are here to stay, and they’re changing the game.

當然，有風險。 《天才法案》的18個月實施時間表意味著我們要等到2026年11月才能看到全部影響。但是寫作在牆上：stablecoins在這裡留在這裡，他們正在改變遊戲。

In Conclusion

綜上所述

The convergence of super apps and stablecoins is reshaping the payments industry right before our eyes. It’s all about cutting costs, boosting efficiency, and sparking innovation. So, buckle up, because the future of payments is looking brighter and faster than ever. Who knows, maybe one day you’ll be paying for your bodega coffee with stablecoins through a super app. Just another day in the Big Apple!

超級應用程序和Stablecoins的融合正在我們眼前重塑付款行業。這一切都是關於削減成本，提高效率和激發創新。因此，扣緊了，因為付款的未來比以往任何時候都更加明亮，更快。誰知道，也許有一天，您將通過超級應用使用Stablecoins為Bodega咖啡付費。在大蘋果的另一天！