簽證，區塊鍊和全球付款：金融創新的新時代

探索簽證和區塊鏈如何重塑全球付款，使其更快，更便宜且更容易獲得。深入了解最新趨勢和見解。

Visa, Blockchain, and Global Payments: A New Era of Financial Innovation

簽證，區塊鍊和全球付款：金融創新的新時代

The intersection of Visa, blockchain technology, and global payments is creating a seismic shift in how money moves around the world. Visa is at the forefront, leveraging blockchain to make transactions faster, cheaper, and more accessible. Let’s dive into the key developments and trends shaping this exciting landscape.

簽證，區塊鏈技術和全球付款的交集正在在貨幣環遊世界的方式上發生地震轉變。 Visa處於最前沿，利用區塊鏈使交易更快，更便宜，更容易獲得。讓我們深入了解塑造這一令人興奮的景觀的關鍵發展和趨勢。

Visa's Blockchain Breakthroughs: VTAP and B2B Connect

Visa的區塊鏈突破：VTAP和B2B連接

Visa has been actively exploring blockchain solutions. The Visa Tokenized Asset Platform (VTAP), launched in October 2024, is designed to enable banks to issue digital tokens on public blockchains like Ethereum. Imagine banks issuing digital dollars for 24/7 global payments! VTAP pilots are planned for 2025 with BBVA, utilizing smart contracts for automated tasks like instant credit lines. Also, Visa B2B Connect, active since 2019, uses Hyperledger Fabric to streamline high-value business payments across 90 markets. This initiative cuts costs and delays compared to traditional systems like SWIFT.

Visa一直在積極探索區塊鏈解決方案。簽證令牌資產平台（VTAP）於2024年10月推出，旨在使銀行能夠對以太坊等公共區塊鏈發行數字令牌。想像一下銀行以24/7全球付款發行數字資金！ VTAP飛行員計劃在2025年使用BBVA，利用智能合約來實現即時信用額度等自動化任務。此外，自2019年以來活躍的Visa B2B Connect使用Hyperledger Fabric來簡化90個市場的高價值商業付款。與Swift等傳統系統相比，該計劃削減了成本和延誤。

Stablecoins: A Bridge to Web3

Stablecoins：通往Web3的橋樑3

Stablecoins, digital currencies pegged to stable assets like the U.S. dollar, are central to Visa’s blockchain strategy. Visa has already settled over $225 million in transactions using USD Coin (USDC) on Ethereum and Solana. In 2025, Visa partnered with Bridge to expand stablecoin payments in Latin America. This allows freelancers in Mexico or Argentina to receive payouts quickly at Visa’s vast network of 150 million merchant locations. Crypto-linked cards further simplify spending crypto like cash. Visa's approach aims to make blockchain payments seamless for everyday users.

穩定的數字貨幣與穩定的資產（如美元）掛鉤是Visa的區塊鏈策略的核心。 Visa使用USD Coin（USDC）在以太坊和Solana上已經解決了超過2.25億美元的交易。 2025年，Visa與Bridge合作，擴大了拉丁美洲的Stablecoin付款。這使墨西哥或阿根廷的自由職業者可以在Visa龐大的1.5億商人地點的網絡上迅速獲得支出。加密鏈接卡進一步簡化了像現金一樣的支出加密。 Visa的方法旨在使日常用戶無縫進行區塊鏈付款。

AI Agents Meet Global Payments

AI代理商滿足全球付款

Visa is pushing boundaries not only in blockchain but also in AI, with the launch of Visa Intelligent Commerce. This system allows AI agents to handle every step of the shopping journey on your behalf. Partnering with Crossmint, Visa aims to create a trusted ecosystem where only authorized AI agents can access a user’s payment credentials and make purchases, ensuring safety at every step. By supporting features like tokenization and real-time authentication, Visa is paving the way for personalized, secure shopping at scale.

Visa不僅在區塊鏈中，而且在AI中推動了界限，隨著Visa Intellignt Commerce的推出。該系統允許AI代理代表您處理購物之旅的每個步驟。 Visa與Crossmint合作，旨在創建一個受信任的生態系統，僅授權AI代理才能訪問用戶的付款憑證並進行購買，從而確保每一步的安全性。通過支持令牌化和實時身份驗證等功能，Visa為個性化，安全購物鋪平了道路。

OpenPayd and Ripple: A Collaborative Approach

OpenPayd和Ripple：一種協作方法

Financial infrastructure firm OpenPayd has strategically collaborated with Ripple to deliver scalable, efficient, and compliant payment solutions for enterprise-level clients across the globe. The joint effort focuses on combining OpenPayd’s fiat infrastructure with Ripple Payments to support seamless transactions in euros (EUR) and British pounds (GBP), further strengthening Ripple’s position in the cross-border payments landscape. This collaboration also extends support for OpenPayd’s newly launched stablecoin infrastructure and enabling direct minting and burning of Ripple’s USD-denominated stablecoin, RLUSD.

金融基礎設施公司OpenPayd已戰略性地與Ripple合作，為全球企業級客戶提供可擴展，高效且合規的付款解決方案。共同努力的重點是將OpenPayd的法定基礎設施與連鎖反應相結合，以支持歐元（EUR）和英鎊（GBP）的無縫交易，從而進一步加強了波紋在跨境支付環境中的地位。這項合作還擴展了對OpenPayd新推出的Stablecoin基礎架構的支持，並實現了Ripple的USD成立穩定的Stablecoin Rlusd的直接鑄造和燃燒。

Challenges and Opportunities

挑戰和機遇

While Visa's blockchain efforts are promising, challenges exist. A U.S. DOJ antitrust suit questions its market dominance, and stablecoin regulations remain uncertain. Competition from Mastercard’s Multi-Token Network is also intensifying. Despite these hurdles, Visa’s infrastructure, partnerships, and expertise position it to lead the future of blockchain payments.

儘管簽證的區塊鏈努力是有希望的，但仍存在挑戰。美國司法部的反托拉斯訴訟質疑其市場優勢，而Stablecoin法規仍然不確定。 MasterCard多token網絡的競爭也在加劇。儘管有這些障礙，簽證的基礎設施，合作夥伴關係和專業知識定位，以領導區塊鏈支付的未來。

The Future is Now

未來現在是

Visa's blockchain initiatives are already transforming finance, making payments instant, affordable, and inclusive. By integrating stablecoins and exploring new technologies like AI agents, Visa is not just building faster payment systems but also shaping a decentralized financial future. It’s an exciting time to watch how these innovations unfold and impact global commerce!

Visa的區塊鏈計劃已經在改變財務，使付款即時，負擔得起且包容。通過整合Stablecoins並探索AI代理等新技術，Visa不僅建立了更快的支付系統，而且還塑造了分散的財務未來。這是觀察這些創新如何展開和影響全球貿易的激動人心的時刻！