簽證，Stablecoins和跨境支付：全球金融的新時代

探索Visa如何將Stablecoins策略性地整合到徹底改變跨境支付，重點關注新興市場和法規合規性。

Visa, Stablecoins, and Cross-Border Payments: A New Era in Global Finance

簽證，Stablecoins和跨境支付：全球金融的新時代

The dynamics of Visa, Stablecoins, and cross-border payments are rapidly evolving. Visa is prioritizing emerging markets for stablecoin integration, aiming to democratize financial systems and enhance remittance efficiency. Let's dive into the key trends and insights shaping this intersection.

簽證，穩定幣和跨境支付的動態正在迅速發展。 Visa正在優先考慮新興市場的Stablecoin整合，旨在使金融體系民主化並提高匯款效率。讓我們深入了解關鍵趨勢和見解以塑造這一交叉點。

Visa's Strategic Pivot to Stablecoins

Visa的戰略性樞紐與Stablecoins

Visa is accelerating its stablecoin integration strategy to transform cross-border payments, with a focus on emerging markets. According to Cuy Sheffield, Visa’s Head of Crypto, stablecoins are positioned to “democratize many emerging systems” by addressing the demand for dollar access in regions with limited financial infrastructure. This strategy aligns with Godfrey Sullivan’s projection that “every institution that moves money will need a stablecoin strategy” by 2025.

Visa正在加快其穩定的整合策略，以轉變跨境支付，重點是新興市場。根據Visa的加密貨幣主管Cuy Sheffield的說法，Stablecoins可以通過解決有限的金融基礎設施的地區對美元訪問的需求來“使許多新興系統民主化”。該策略與戈弗雷·沙利文（Godfrey Sullivan）的預測相吻合，即“每個貨幣的機構都需要製定策略”到2025年。

Key Insights and Trends

關鍵見解和趨勢

• Emerging Markets Focus: Visa is targeting regions where traditional banking systems struggle to meet the demand for accessible, low-cost remittance services.
• Regulatory Alignment: Visa actively participates in policy discussions to shape a transparent stablecoin ecosystem, emphasizing compliance and stability.
• Ecosystem-Driven Approach: Visa tests use cases through partnerships while maintaining risk oversight, enabling it to stay ahead of regulatory developments and validate efficiency gains before scaling.

Stablecoins Reshaping Cross-Border Payments

穩定幣重塑跨境支付

Stablecoins are digital assets designed to maintain a stable value by pegging their worth to a reserve asset, typically fiat currencies like the US dollar. This stability makes them an ideal entry point into the blockchain ecosystem for risk-averse financial institutions.

Stablecoins是數字資產，旨在通過將其價值固定在儲備資產上，通常是菲亞特貨幣（例如美元）。這種穩定性使它們成為用於規避風險金融機構的區塊鏈生態系統的理想切入點。

Ripple’s 2025 New Value Report highlights that global finance leaders believe stablecoins will significantly impact cross-border payments, consumer-to-business payments, and vendor/supplier payments.

Ripple的2025年新價值報告強調，全球財務領導人認為，Stablecoins將極大地影響跨境支付，消費者到企業的付款以及供應商/供應商的付款。

Traditional Finance Integrating Stablecoins

傳統金融整合穩定的

Traditional cross-border payment providers have begun integrating stablecoins to meet customer demand for streamlined B2B payments and greater payment optionality. Visa has piloted stablecoin settlement, processing over $225 million in volume. Worldpay plans to offer global stablecoin payouts, and Mastercard is enabling stablecoin payments with Mastercard-branded cards.

傳統的跨境支付提供商已開始整合Stablecoins，以滿足客戶對簡化的B2B付款和更高付款期權的需求。 Visa已駕駛Stablecoin和解，處理數量超過2.25億美元。 WorldPay計劃提供全球Stablecoin支出，MasterCard正在用MasterCard品牌的卡啟用Stablecoin付款。

Personal Take: The Future is Hybrid

個人看法：未來是混合的

It's clear that stablecoins are not just a passing fad but a crucial component of the future financial landscape. Visa's strategic approach, focusing on regulatory compliance and practical applications in emerging markets, positions them as a key player. The hybrid model, where traditional finance integrates with blockchain technology, seems the most sustainable path forward. The numbers speak for themselves – the processed stablecoin volume and the growing interest from major players like Mastercard and Worldpay cannot be ignored. This is not just about technology; it’s about making global finance more accessible and efficient.

很明顯，穩定的不僅是過時的時尚，而且是未來金融景觀的關鍵組成部分。 Visa的戰略方法著重於監管合規性和在新興市場中的實際應用，將其定位為關鍵參與者。傳統金融與區塊鏈技術融合的混合模型似乎是最可持續的道路。這些數字不言而喻 - 經過處理的Stablecoin量以及MasterCard和WorldPay等主要參與者的興趣不可忽視。這不僅與技術有關。這是關於使全球金融更容易獲得和高效。

Conclusion: Buckle Up, Buttercup!

結論：扣緊，毛cup！

The world of Visa, stablecoins, and cross-border payments is rapidly evolving. As stablecoins become more integrated into the financial system, keep an eye on how these changes impact global transactions and financial inclusion. It’s a wild ride, but hey, at least your money might get there faster!

Visa，Stablecoins和跨境支付的世界正在迅速發展。隨著Stablecoins越來越融入金融體系，請密切關注這些變化如何影響全球交易和金融包容性。這是一次瘋狂的旅程，但是，嘿，至少您的錢可能會更快地到達那裡！