Baanx与Visa合作伙伴推出了与Stablecoin相关的卡片

在采用加密货币的重大发展中，Baanx已宣布与Visa建立合作伙伴关系，以推出与自我监护钱包直接挂钩的Stablecoin相关卡。

In a significant development for cryptocurrency adoption, Baanx has announced a partnership with Visa to launch stablecoin-linked cards tied directly to self-custodial wallets. The new offering will initially roll out in the United States before expanding to additional markets globally, coming just days after Mastercard unveiled its own comprehensive stablecoin strategy with partners OKX and Nuvei.

在采用加密货币的重大发展中，Baanx已宣布与Visa建立合作伙伴关系，以推出与自我监护钱包直接挂钩的Stablecoin相关卡。新产品最初将在美国推广，然后在全球范围内扩展到其他市场，而Mastercard与Partners Okx和Nuvei揭开了自己的全面Stablecoin战略后的几天。

This partnership marks a key step forward in mainstreaming cryptocurrency spending, combining the vast acceptance of Visa with the liquidity and self-custody properties of stablecoins.

这种伙伴关系标志着主流加密货币支出的迈出的关键一步，将签证的广泛接受与稳定的流动性和自我抑制性能相结合。

How Stablecoin Cards Bridge Digital And Physical Payments

Stablecoin卡如何桥接数字和物理支付

The new Baanx-Visa partnership allows USDC (a fiat-backed stablecoin) to be spent at any merchant accepting Visa, with the funds flowing directly from the user's self-custodial wallet. The system uses smart contracts to move stablecoin balances from the consumer to Baanx in real time upon card authorization, with Baanx handling the conversion to fiat for payment settlement.

新的Baanx-Visa合作伙伴关系允许USDC（由菲亚特支持的Stablecoin）用于任何商人接受签证，而资金直接从用户的自我监测钱包中流动。该系统使用智能合约将稳定的余额从消费者转移到卡片授权后将其实时转移到Baanx，而Baanx则处理转换为FIAT进行付款解决方案。

This announcement solves what industry insiders call the "last mile problem" in cryptocurrency: enabling everyday spending of digital assets without sacrificing the self-custody principles that distinguish crypto from traditional finance.

该公告解决了加密货币中行业内部人士所说的“最后一英里问题”：在不牺牲将加密货币与传统财务区分开的自我顾客原则的情况下，每天都可以支出数字资产支出。

"Stablecoin cards represent a massive leap forward for global financial access," said Simon Jones, Chief Commercial Officer at Baanx, in the official announcement.

Baanx首席商务官西蒙·琼斯（Simon Jones）在官方宣布中说：“ Stablecoin卡代表了全球金融访问的巨大飞跃。”

"In many regions, access to stable currency is a luxury. We’re giving people the ability to hold and spend USD-backed stablecoins seamlessly, in a self-custodial, real-time way, anywhere Visa is accepted."

“在许多地区，获得稳定的货币是一种奢侈品。我们使人们能够以自我监护的，实时的方式，在任何地方接受签证。”

This approach to financial access aligns with Jones’ broader vision: "Two or three years ago, crypto was very much its own thing. FinTech was very much its own thing ... "

这种财务访问方法与琼斯的更广泛的愿景相吻合：“两三年前，加密货币是它自己的事情。金融科技是自己的事……”

The implications extend well beyond crypto enthusiasts. For users in emerging markets facing currency volatility and limited banking options, stablecoin cards could provide unprecedented access to dollar-denominated spending power without requiring traditional banking relationships.

这些含义远远超出了加密爱好者。对于面临货币波动率和有限银行业务的新兴市场的用户，Stablecoin卡可以提供前所未有的访问以美元计价的支出能力，而无需传统的银行关系。

How Stablecoin Cards Unlock Real-World Utility

Stablecoin卡如何解锁现实世界实用程序

Stablecoins have emerged as crypto's breakthrough application, with over $200 billion in circulation and over 30 million addresses transacting monthly on public blockchains. In the first half of 2024 alone, stablecoins settled over $2.6 trillion in value.

Stablecoins已成为加密货币的突破性申请，每月在公共区块链上每月进行超过2000亿美元的发行和超过3000万个地址。仅在2024年的上半年，Stablecoins就达到了2.6万亿美元的价值。

Visa's involvement signals growing institutional recognition of stablecoins' potential for practical payments applications.

Visa的参与信号不断增加机构认可，对Stablecoins的实际支付申请潜力。

"We know the payments ecosystem is still in the early innings of stablecoin adoption, but real-world utility is coming to the forefront," noted Rubail Birwadker, Head of Growth Products and Partnerships at Visa.

Visa的增长产品和合作伙伴关系负责人Rubail Birwadker指出：“我们知道，付款生态系统仍处于采用Stablecoin的早期局中，但现实世界中的实用程序将走到最前沿。”

Cuy Sheffield, Global Head of Crypto at Visa, elaborated on this vision:

Cuy Sheffield是Visa的加密全球负责人，根据这个愿景阐述：

The Baanx solution leverages high-performance blockchain networks like Ethereum layer 2s and Solana to enable instant transaction settlement. This infrastructure allows for a streamlined user experience compared to earlier crypto payment solutions that required multiple confirmations or pre-funding of custodial accounts.

BAANX解决方案利用以太坊2S和Solana等高性能区块链网络来实现即时交易结算。与较早的加密支付解决方案相比，这种基础架构允许简化用户体验，这些解决方案需要多次确认或预先资助托管帐户。

According to Jones, we can expect to see significant expansion of wallet-linked cards in the coming year: “I think of the larger wallets, at least 60 or 70 percent of them will have a card within them within the next 12 months.”

根据琼斯的说法，我们可以期望在来年看到钱包连锁卡的大幅扩展：“我认为较大的钱包，在接下来的12个月内，至少有60％或70％的钱将在其中有一张卡片。”

Where Stablecoin Cards Fit In The Financial Ecosystem

稳定卡适合金融生态系统的位置

The partnership builds on growing momentum in the self-custodial card space. Earlier collaboration between Baanx and MetaMask resulted in the MetaMask Card, which similarly enables spending crypto assets held in self-custodial wallets via MasterCard. The MetaMask Card, launched in multiple regions including the United States, United Kingdom, European Union, Mexico, Colombia, and Brazil, demonstrated the feasibility of non-custodial card payments and set a precedent for this new Visa partnership.

该伙伴关系基于自我定期卡空间的增长动力。 Baanx和MetAmask之间的早期合作导致了MetAmask卡，同样可以通过MasterCard通过MasterCard在自我监测的钱包中持有的加密资产。 Metamask卡在包括美国，英国，欧盟，墨西哥，哥伦比亚和巴西在内的多个地区推出，证明了非监护卡付款的可行性，并为这种新的Visa合作伙伴制定了先例。

This initiative is part of a broader strategy by Visa to expand into the cryptocurrency domain. Earlier this year, Visa partnered with cryptocurrency exchange FTX to launch a prepaid debit card program in Brazil, catering to users who prefer to hold cryptocurrencies for spending rather than converting them to fiat currency.

该计划是Visa扩展到加密货币领域的更广泛策略的一部分。今年早些时候，Visa与Cryptocurrency Exchange FTX合作，在巴西启动了预付款卡计划，以适合那些喜欢持有加密货币支出而不是将其转换为法定货币的用户。

In May, Visa also announced a partnership with cryptocurrency platform Bitpay to enable direct-to-consumer crypto payments at merchants accepting Visa cards. These partnerships highlight Visa's multifaceted approach to integrating cryptocurrency into its existing payments ecosystem.

5月，Visa还宣布了与加密货币平台BITPAY建立合作伙伴关系，以在接受Visa卡的商人中直接到消费者的加密货币付款。这些合作伙伴关系强调了Visa的多方面方法，将加密货币整合到其现有的付款生态系统中。

Discussing the partnership, Cuy Sheffield, Global Head of Crypto at Visa, highlighted the untapped potential of linking self-custodial wallets with spending capabilities.

在讨论伙伴关系时，Visa的全球加密货币负责人Cuy Sheffield强调了将自我定制钱包与支出能力联系起来的尚未开发的潜力。

What differentiates these offerings from traditional crypto cards is that users maintain control of their assets until the moment of transaction, rather than depositing funds with a custodial service provider. When a user taps their card at a point of sale, the system verifies sufficient wallet balance and executes an on-chain transaction, converting the stablecoin to fiat currency that the merchant receives.

这些产品与传统加密卡的区别是，用户在交易时保持对资产的控制权，而不是将资金存入托管服务提供商。当用户在销售点敲击卡时，系统会验证足够的钱包余额并执行链交易，将稳定的商人转换为商人收到的法定货币。

When Stablecoin Cards Will Reach Global Adoption

当Stablecoin卡将达到全球采用时

While Baanx and Visa are starting with the United States, both companies have expressed ambitions for rapid international expansion. Baanx currently powers crypto payment solutions for six of the top ten self-custodial wallets globally.

虽然Baanx和Visa从美国开始，但两家公司都表达了快速国际扩张的野心。 Baanx目前为全球十大自我监护钱包中的六个中的六个提供加密支付解决方案。