比特币支付进入零售轨道：链上交易即将成为现实

比特币支付在零售业中越来越受欢迎，新的支付方式降低了成本，消费者应用程序支持加密货币支出。链上交易即将激增。

Yo, what's up, crypto fam? Bitcoin payments are no longer a pipe dream; they're becoming a tangible reality in the retail world. New developments in merchant rails and consumer apps are paving the way for a surge in on-chain transactions. Let's dive into what's poppin'.

哟，怎么了，加密货币家族？比特币支付不再是一个白日梦；它们正在成为零售界的有形现实。商业轨道和消费者应用程序的新发展正在为链上交易的激增铺平道路。让我们深入了解一下流行的内容。

The Rise of Bitcoin Payments in Retail

比特币支付在零售业的兴起

The game is changing, and it's happening fast. Crypto retail checkouts now have two key advantages: merchant rails that slash processing costs and consumer apps that allow users to easily switch on crypto buying and spending. Walmart's OnePay, through its partnership with Zero Hash, is at the forefront, potentially offering Bitcoin and Ethereum trading, hosted wallets, and on-chain transactions. This is huge, right?

游戏正在发生变化，而且变化很快。加密货币零售结账现在有两个关键优势：可大幅削减处理成本的商家轨道和允许用户轻松开启加密货币购买和支出的消费者应用程序。沃尔玛的 OnePay 通过与 Zero Hash 合作，处于领先地位，有可能提供比特币和以太坊交易、托管钱包和链上交易。这是巨大的，对吧？

Walmart's OnePay: A Game Changer?

沃尔玛的 OnePay：游戏规则改变者？

OnePay's distribution channel is a big deal. With Synchrony rolling out Walmart cards inside the app, it's set to reach a massive audience. If even a small percentage of users enable crypto and make purchases, we could see a significant increase in Bitcoin transactions. Imagine $1.7 to $2.5 million per day in Bitcoin purchases. That's not just pocket change; it's a steady flow of retail-driven demand.

OnePay 的分销渠道很重要。随着 Synchrony 在应用程序中推出沃尔玛卡，它将吸引大量受众。即使只有一小部分用户启用加密货币并进行购买，我们也可以看到比特币交易量显着增加。想象一下每天购买 1.7 至 250 万美元的比特币。这不仅仅是零花钱；这是零售驱动需求的稳定流动。

The Shopify and Coinbase Connection

Shopify 和 Coinbase 的联系

Walmart isn't the only player. Shopify and Coinbase are letting merchants accept USDC on Base, mirroring traditional card operations. This smooths the transition to crypto for businesses, reducing the operational hurdles. Users can buy up to $100,000 per week and send crypto to external wallets. Cash App is also in the mix, supporting Lightning sends and on-chain transfers. It's all coming together, piece by piece.

沃尔玛并不是唯一的参与者。 Shopify 和 Coinbase 允许商家在 Base 上接受 USDC，这与传统银行卡操作类似。这使企业顺利过渡到加密货币，减少了运营障碍。用户每周最多可以购买 100,000 美元并将加密货币发送到外部钱包。 Cash App 也在其中，支持闪电发送和链上转账。这一切都一点一点地聚集在一起。

Lightning, Layer 2, and Stablecoins: The Holy Trinity

闪电网络、Layer 2 和稳定币：三位一体

Fees and latency are crucial. Bitcoin's Lightning Network offers subsecond payments with minimal fees, while Ethereum's layer-2 solutions and stablecoins provide faster and cheaper transactions. This trifecta—Lightning for Bitcoin, layer 2 for Ethereum, and stablecoins for fiat-like denominations—is setting the stage for widespread adoption.

费用和延迟至关重要。比特币的闪电网络以最低的费用提供亚秒级支付，而以太坊的第 2 层解决方案和稳定币则提供更快、更便宜的交易。这三重奏——比特币的闪电网络、以太坊的第二层以及类似法定面额的稳定币——正在为广泛采用奠定基础。

Steak ’n Shake: A Real-World Example

Steak 'n Shake：现实世界的例子

Steak ’n Shake is already seeing the benefits. After implementing Lightning payments, they reported a 10.7% increase in same-store sales. Plus, they've cut processing costs by about 50% compared to cards. That's a win-win, folks. It shows that when you embrace Bitcoin, good things happen.

Steak 'n Shake 已经看到了好处。实施闪电支付后，他们的同店销售额增长了 10.7%。此外，与卡片相比，它们的处理成本降低了约 50%。伙计们，这是双赢的。它表明，当你拥抱比特币时，好事就会发生。

The Million-Dollar Question: On-Chain or Off-Chain?

百万美元的问题：链上还是链下？

Whether these purchases register on-chain depends on the product scope. If OnePay enables on-chain deposits and withdrawals, we'll see a surge in address activity and mempool load. But even if balances remain off-chain, market makers still need to acquire crypto to fill customer orders. The key is external transfers. If users can move their crypto, it's a game-changer.

这些购买是否在链上注册取决于产品范围。如果 OnePay 启用链上存款和取款，我们将看到地址活动和内存池负载激增。但即使余额仍然在链外，做市商仍然需要获取加密货币来满足客户订单。关键是外部转移。如果用户可以移动他们的加密货币，这将改变游戏规则。

Pricing Transparency Matters

定价透明度很重要

Retailers need to be upfront about pricing. Lower spreads and checkout rewards will encourage more purchases. Higher spreads? Not so much. Transparency and fair pricing are essential for building trust and driving adoption.

零售商需要提前了解定价。较低的点差和结账奖励将鼓励更多的购买。点差更高？没那么多。透明度和公平定价对于建立信任和推动采用至关重要。

The Future Is Here

未来就在这里

The future of Bitcoin payments in retail is bright. With Lightning, USDC on Base, and other rails, the technology is ready. Now, it's about product toggles and back-office design. Whether it's Lightning for Bitcoin fans, stablecoins for e-commerce, or layer-2 solutions for Ethereum, the options are there. It's all about finding the right mix for your business.

比特币支付在零售业的前景是光明的。有了闪电网络、USDC on Base 和其他轨道，该技术就已经准备好了。现在，它是关于产品切换和后台设计的。无论是比特币粉丝的闪电网络、电子商务的稳定币，还是以太坊的第 2 层解决方案，都有选择。这一切都是为了找到适合您业务的组合。

So, there you have it. Bitcoin payments are hitting the retail rails, and on-chain transactions are about to get real. Buckle up, because this is gonna be a wild ride!

所以，你就知道了。比特币支付正在进入零售轨道，链上交易即将成为现实。系好安全带，因为这将是一次疯狂的旅程！