Visa 研究发现，机器人主导了稳定币交易

Visa 的最新分析显示，机器人交易占稳定币交易的绝大多数，其中不到 10% 来自合法客户。根据 Visa 和 Allium Labs 的新指标，上个月 2.2 万亿美元的交易中只有 1,490 亿美元归因于“有机基金活动”。

Bots Dominate Stablecoin Transactions, Visa Analysis Uncovers

Visa 分析发现，机器人主导了稳定币交易

A recent analysis conducted by Visa and Allium Labs has revealed that bots are fueling the vast majority of stablecoin transactions. According to a novel metric developed by the research team, less than 10% of stablecoin transactions originate from genuine human users. Of the $2.2 trillion in total transactions processed last month, only $149 billion — a mere fraction — were attributed to "organic fund activity."

Visa 和 Allium Labs 最近进行的一项分析显示，机器人正在推动绝大多数稳定币交易。根据研究团队开发的一项新指标，不到 10% 的稳定币交易来自真正的人类用户。在上个月处理的 2.2 万亿美元交易总额中，只有 1,490 亿美元——只是一小部分——归因于“有机基金活动”。

The findings, reported exclusively by Bloomberg News on Sunday, have raised concerns about the maturity of stablecoins as a viable payment solution. Pranav Sood, Executive General Manager for Europe, the Middle East, and Africa at Airwallex, a payment platform, commented on the data, stating, "It suggests that stablecoins are still in a very nascent stage of their evolution as a payment instrument." Sood emphasizes the importance of focusing on improving the functionality of current systems in the short to medium term before widespread adoption can be expected.

彭博新闻周日独家报道的调查结果引发了人们对稳定币作为可行支付解决方案成熟度的担忧。支付平台 Airwallex 欧洲、中东和非洲区执行总经理 Pranav Sood 对这些数据发表评论称，“这表明稳定币作为支付工具仍处于发展的初期阶段。”苏德强调，在预期广泛采用之前，必须在中短期内重点改进当前系统的功能。

Sood further noted that Airwallex has observed limited demand for stablecoin-based payment options, as many find the technology to be user-unfriendly. "It's a very important barrier to overcome," Sood told Bloomberg. "It's important to remember that in the U.S., people are still using checks to pay for somewhere between 40% and 60% of business payments, which gives you a sense of where the market really is when it comes to technological adoption."

Sood 进一步指出，Airwallex 观察到对基于稳定币的支付选项的需求有限，因为许多人发现该技术对用户不友好。 “这是一个需要克服的非常重要的障碍，”苏德告诉彭博社。 “重要的是要记住，在美国，人们仍然使用支票来支付 40% 到 60% 的商业付款，这让你了解市场在技术采用方面的真实情况。”

Stablecoins are a unique form of cryptocurrency pegged to a stable value, typically tied to fiat currencies such as the U.S. dollar or the euro, or to assets like gold or commodities. Their stability makes them less susceptible to the extreme price fluctuations that characterize traditional cryptocurrencies.

稳定币是一种与稳定价值挂钩的独特形式的加密货币，通常与美元或欧元等法定货币或黄金或大宗商品等资产挂钩。它们的稳定性使它们不易受到传统加密货币特有的极端价格波动的影响。

Last month, PYMNTS explored the potential of stablecoins as payment methods following the launch of the Visa/Allium platform. "Unlike conventional cryptocurrencies like Bitcoin, which are infamous for their price fluctuations, stablecoins offer a level of stability that closely mirrors that of traditional currencies," PYMNTS noted. "Their immediate benefits for businesses include the potential to streamline cross-border transactions and provide a new tool for more efficient liquidity management."

上个月，在 Visa/Allium 平台推出后，PYMNTS 探索了稳定币作为支付方式的潜力。 PYMNTS 指出：“与比特币等因价格波动而臭名昭著的传统加密货币不同，稳定币提供的稳定性与传统货币非常接近。” “它们给企业带来的直接好处包括简化跨境交易的潜力，并为更有效的流动性管理提供新工具。”

The report acknowledges that widespread adoption of cryptocurrencies in the payment sphere remains elusive but highlights various recent initiatives aimed at boosting the use of stablecoins. For instance, Stripe announced its re-entry into the cryptocurrency payment sector last month after a six-year hiatus, with plans to support international stablecoin payments as early as this summer.

该报告承认，加密货币在支付领域的广泛采用仍然难以实现，但强调了近期旨在促进稳定币使用的各种举措。例如，Stripe 上个月宣布在中断六年后重新进入加密货币支付领域，并计划最早在今年夏天支持国际稳定币支付。

PayPal and cross-border money transfer service Xoom have also partnered to allow users to make international transactions using PayPal's USD stablecoin, which the company launched last summer. In April, blockchain and cryptocurrency company Ripple unveiled plans to launch its own dollar-pegged stablecoin. These developments indicate a growing interest in stablecoins as a potential solution to the challenges of cross-border payments and liquidity management.

PayPal 和跨境汇款服务 Xoom 还合作，允许用户使用 PayPal 去年夏天推出的美元稳定币进行国际交易。今年 4 月，区块链和加密货币公司 Ripple 公布了推出自己的与美元挂钩的稳定币的计划。这些发展表明，人们对稳定币作为应对跨境支付和流动性管理挑战的潜在解决方案的兴趣日益浓厚。

However, the dominance of bots in stablecoin transactions, as revealed by Visa's latest research, suggests that the widespread adoption of stablecoins is still hampered by technological barriers and a lack of user-friendliness. The industry must address these challenges by improving the functionality and accessibility of stablecoin-based payment systems.

然而，Visa 最新研究显示，机器人在稳定币交易中占据主导地位，这表明稳定币的广泛采用仍然受到技术障碍和缺乏用户友好性的阻碍。该行业必须通过改进基于稳定币的支付系统的功能和可访问性来应对这些挑战。