Circle探索将其美元硬币（USDC）Stablecoin插入阿联酋的汇款走廊

Stablecoin发行人Circle是在纽约证券交易所的10亿美元首次公开募股的新鲜公开募股，正在与阿联酋的货币转移房屋进行早期会谈

Stablecoin issuer Circle, fresh off a $1 billion initial public offering on the New York Stock Exchange, is in early talks with money-transfer houses in the UAE to plug its USD Coin (USDC) into one of the world’s busiest remittance corridors.

Stablecoin发行人圈子是在纽约证券交易所的10亿美元首次公开募股的新鲜公开募股，正在与阿联酋的货币转移房屋进行早期会谈，以将其美元硬币（USDC）插入世界上最繁忙的汇款走廊之一。

Circle is the sole issuer of USDC, the world’s second-largest stablecoin, with a market cap of around $60 billion.

Circle是USDC的唯一发行人，USDC是全球第二大稳定币，市值约为600亿美元。

Stablecoins aim to hold a steady value, typically redeemable 1:1 for traditional currency, but they are not insured or protected like bank deposits.

Stablecoins的目的是具有稳定的价值，通常可以兑换为传统货币的1：1，但没有像银行存款那样被保险或受到保护。

USDC is backed by cash and short-term US Treasuries held by BNY Mellon and managed via a BlackRock money-market fund.

USDC得到了BNY Mellon持有的现金和短期美国国债的支持，并通过Blackrock Monear Market Fund进行了管理。

Tokens settle on public blockchains in seconds and cost just a fraction of a cent to send – making them useful for payments, savings and transfers.

代币在几秒钟内定居公共区块链，只需花费一百分点即可发送，这对于付款，储蓄和转移而言有用。

Circle president Heath Tarbert told AGBI the company is “starting dialogues” with remittance firms and others who want to start making stablecoins like USDC available in their network.

Circle总裁Heath Tarbert告诉Agbi，该公司正在与汇款公司和其他想开始在其网络中提供像USDC这样的Stablecoins的人“开始对话”。

“They can help adopt this technology and not be left behind. Consumers will be paying far less, and they’ll get their money sooner,” he said.

他说：“他们可以帮助采用这项技术，而不会被抛在后面。消费者的付款将少得多，他们会尽快赚钱。”

Tarbert says embedding USDC into payment rails could slash costs “30 to 100 times” versus traditional remittances, which rely on correspondent banks and can take days to clear.

塔伯特（Tarbert）表示，将USDC纳入付款轨道可能会削减“ 30至100次”，而传统汇款依靠记者银行，可能需要几天的时间才能清除。

About nine million expatriates send more than $44 billion home each year from the UAE.

每年约有900万外籍人士从阿联酋派出超过440亿美元的房屋。

Global remittance costs average 6.62 percent of the amount sent, with banks charging as much as 13.64 percent, World Bank data shows.

世界银行的数据显示，全球汇款的平均成本为6.62％，银行的收费高达13.64％。

In the Middle East, the average is 6.45 percent.

在中东，平均值为6.45％。

Last year, UAE exchange houses raised fees by at least 15 percent for the first time in five years, adding $0.68 (AED2.50) per transfer.

去年，阿联酋交易所在五年内首次提高了15％的费用，每次转会增加了0.68美元（AED2.50）。

The increase came as traditional players such as Al Ansari Financial Services reported a 2024 net profit of AED 405 million, down 18 percent from a year earlier, citing “intense fintech competition” and rising costs.

这一增长是因为诸如Al Ansari Financial Services等传统参与者报告说，2024年的净利润为4.05亿迪拉姆，比去年同期下降了18％，理由是“激烈的金融科技竞争”和成本上升。

India is the largest remittance corridor from the UAE, driven by the country’s large Indian expatriate population.

印度是来自阿联酋的最大汇款走廊，这是该国大量印度外籍人口驱动的。

Tarbert, a former US Treasury official, said remittance firms can either risk losing ground to stablecoins or adapt.

塔伯特（Tarbert）是前美国财政部官员，他说，汇款公司可能会冒着失去stablecoins或适应的风险。

“They will obviously have a share in the economics through customer relationships,” he said. “Everyone can win.”

他说：“他们显然会通过客户关系在经济学方面享有份额。” “每个人都可以赢。”

Still, stablecoins carry risks.

尽管如此，Stablecoins仍有风险。

USDC briefly lost its dollar peg and fell below 87 cents in 2023 after the company revealed it had nearly 8 percent of its reserves tied up at the collapsed lender Silicon Valley Bank.

在该公司透露其在倒塌的贷方硅谷银行绑架的储备中，该公司在2023年短暂失去了美元钉，并在2023年下跌低于87美分。

Tether, the world’s largest stablecoin issuer, paid a $41 million settlement in 2021 for misleading investors about USDT being fully backed by fiat currencies at all times.

全球最大的Stablecoin发行人Tether在2021年支付了4,100万美元的和解，因为他们误导了投资者，因为投资者始终都得到了菲亚特货币的全部支持。

Circle has secured in-principle approval from Abu Dhabi Global Market’s regulator to operate as a money-services provider.

Circle已获得阿布扎比全球市场监管机构的原则批准，以作为货币服务提供商运营。

“Many [businesses] in the region can’t get their hands on dollars or it’s difficult because of correspondent banking,” Tarbert said.

塔伯特说：“该地区的许多[企业]无法获得美元，或者由于记者银行业务而困难。”

“It’s a very important region for us to grow and invest in.”

“这是我们成长和投资的非常重要的地区。”

Circle and stablecoins

圆圈和稳定的

Circle’s IPO surged 168 percent on debut, valuing the company at more than $21 billion – the strongest US listing this year.

Circle的IPO在首次亮相时飙升了168％，对该公司的评价超过210亿美元，这是今年美国最强的上市。

Shares continued climbing to a high near $123.50 before easing to about $106, which is still a roughly 240 percent gain since it began trading.

股票继续攀升至接近$ 123.50，然后将其轻松降至106美元，自开始交易以来，这一收益仍然大约240％。

Circle’s USD Coin already accounts for more than half of all crypto transactions in the UAE – the highest share globally, according to Chainalysis.

根据Chainalysis，Circle的USD硬币已经占阿联酋所有加密交易的一半以上，这是全球最高份额。

In stable Gulf economies, Circle says USDC offers faster, lower-cost cross-border payments.

在稳定的海湾经济体中，Circle表示，USDC提供更快，低成本的跨境支付。

In fragile economies where dollars are scarce and black market rates dominate, stablecoins such as USDC offer a workaround – helping users to receive and hold dollar-linked funds in crypto wallets, while avoiding banking limits and currency collapse.

在美元稀缺且黑市价格占主导地位的脆弱经济体中，诸如USDC之类的Stablecoins提供了解决方法 - 帮助用户在加密钱包中接收和持有与美元相关的资金，同时避免银行业务限制和货币崩溃。

In Lebanon, for instance, some residents turned to stablecoins to protect savings as the Lebanese pound plunged and banks restricted dollar withdrawals.

例如，在黎巴嫩，一些居民转向稳定币以保护储蓄，因为黎巴嫩英镑跌落，银行限制了美元提款。

The stablecoin market is worth about $230 billion today but could grow to $3 trillion by 2030, Citigroup estimates.

Citigroup估计，Stablecoin市场的价值约为2,300亿美元，但到2030年可能会增长到3万亿美元。