USDC發行人Circle Internet Group啟動Stablecoin和解網絡，不包括所有韓國公司

Circle Internet Group是基於美元的Stablecoin USDC的發行人，已建立了一個系統，僅通過StableCoins實現全球匯款和結算。但是，據透露，沒有一家韓國一家公司參與該網絡。

Circle Internet Group, the issuer of the dollar-based stablecoin USDC, has launched a system for carrying out global remittance and settlement entirely with stablecoins. But it has been reported that no South Korean company has joined the network yet.

Circle Internet Group是基於美元的Stablecoin USDC的發行人，已啟動了一個系統，可以完全使用StableCoins進行全球匯款和解決。但是據報導，尚無韓國公司加入該網絡。

As such, critics are raising concerns that due to the legal and institutional vacuum regarding stablecoins in Korea, domestic financial institutions and fintech companies are lagging behind.

因此，批評者引起了人們的擔憂，即由於法律和機構真空對韓國的穩定幣，國內金融機構和金融科技公司落後。

Circle Internet Group launched the Circle Payments Network (CPN) last month. It is a network that enables real-time settlement without going through banks.

Circle Internet Group上個月啟動了Circle Payments網絡（CPN）。這是一個網絡，可以實現實時和解而無需通過銀行。

CPN uses stablecoins to process real-time fund settlements between financial institutions. When a bank or payment company requests a remittance, the receiving financial institution presents an exchange rate and fee, and the transaction is conducted accordingly. The remittance mediums are the stablecoins USDC and the euro-based EURC. Circle plans to add more usable stablecoins in the future.

CPN使用Stablecoins處理金融機構之間的實時基金和解。當銀行或付款公司要求匯款時，接收金融機構會出示匯率和費用，並進行交易。匯款媒介是Stablecoins USDC和基於歐元的EURC。 Circle計劃將來添加更多可用的穩定蛋白。

Circle explained that CPN significantly reduces fees compared to existing international remittances and shorten the settlement time, which typically takes 2-5 business days, to real-time levels.

Circle解釋說，與現有的國際匯款相比，CPN大大降低了費用，並縮短了定居時間（通常需要2-5個工作日）到實時水平。

Moreover, it does not go through intermediary banks or the Society for Worldwide Interbank Financial Telecommunication (SWIFT). This means it can bypass the existing global payment and settlement network. Until now, being excluded from SWIFT, established in 1973, meant being expelled from the global trade and economic network.

此外，它不會通過中介銀行或全球範圍內財務電信協會（SWIFT）。這意味著它可以繞過現有的全球付款和結算網絡。到目前為止，被排除在1973年成立的Swift之外，意味著被全球貿易和經濟網絡驅逐出境。

The spread of CPN could be seen as an issue that could shake the very foundations of the financial order. Seo Byung-yoon, head of the DSRV Future Finance Research Institute, diagnosed, “As traditional financial institutions recognize the advantages of stablecoins, such as low fees, immediate settlement, and convenient cross-border transactions, we are entering a stage of popularization where real-life use cases are rapidly expanding.”

CPN的傳播可以看作是一個可能動搖金融秩序基礎的問題。 DSRV未來金融研究所負責人SEO Byung Yoon被診斷出，“由於傳統金融機構認識到穩定的穩定機構的優勢，例如低費用，立即定居和便捷的跨境交易，我們正在進入普通的階段，現實生活中的用例迅速擴展。”

The problem lies with South Korea. 28 companies have joined CPN as partners, including Singapore’s PromoPay and the U.S.’s Alfredpay, the UK’s BVNK, and Israel’s remittance company Nilus. Uruguay’s dLocal, Nigeria’s Flutterwave, and South Africa’s OnAfrica have also made the list.

問題在於韓國。 28家公司以合作夥伴的身份加入了CPN，包括新加坡的Promopay和美國的Alfredpay，英國的BVNK和以色列的匯款公司Nilus。烏拉圭的Dlocal，尼日利亞的Flutterwave和南非的onafrica也列入了列表。

What’s more, global banks such as Deutsche Bank, Santander Bank, Société Générale, and Standard Chartered Bank are participating as network advisors.

更重要的是，德意志銀行，桑坦德銀行，Sociétégénérale和標準特許銀行等全球銀行正在擔任網絡顧問。

However, South Korea, lacking a foundation related to stablecoins, is unable to even participate in CPN discussions. To avoid falling behind global trends, market observers are urging the establishment of stablecoin-related systems.

但是，韓國由於缺乏與穩定的基礎有關，甚至無法參加CPN討論。為了避免落後於全球趨勢，市場觀察者敦促建立與穩定的系統。