Circle 将在 iPhone 上使用 USDC 集成点击支付

随着它们继续挑战市场趋势，它们已成为主流。随着稳定币供应量和市值的增长，USDC 已成为受监管稳定币中的宠儿。因此，为了跟上市场需求和新机遇，Circle 将使用 USDC 集成触碰支付。 Circle 首席执行官杰里米·阿莱尔 (Jeremy Allaire) 在宣布公司最近的合资企业时表示，

Highlighting Stablecoin Growth and Circle's Tap-to-Pay Integration

强调稳定币的增长和 Circle 的点击支付集成

Stablecoins have seen a remarkable rise in popularity, becoming a staple in the cryptocurrency ecosystem. Among the various stablecoins, USDC has emerged as the preferred choice, especially in the realm of regulated stablecoins. In a bid to capitalize on this demand and expand USDC's reach, Circle is set to integrate tap-to-pay functionality for USDC on iPhones.

稳定币的受欢迎程度显着上升，成为加密货币生态系统的主要组成部分。在各种稳定币中，USDC 已成为首选，尤其是在受监管的稳定币领域。为了充分利用这一需求并扩大 USDC 的覆盖范围，Circle 将在 iPhone 上集成 USDC 的触碰支付功能。

Announcing this development, Circle's CEO Jeremy Allaire stated, "Tap to pay using USDC on iPhones incoming soon. Wallet devs, start your engines."

Circle 首席执行官 Jeremy Allaire 在宣布这一进展时表示，“即将推出的 iPhone 上使用 USDC 进行点击支付。钱包开发者，启动你的引擎吧。”

Delving into the technicalities, if an iOS wallet that supports USDC enables this feature, it will allow a receiving device, such as a Point-of-Sale (PoS) system or another iOS device, to wirelessly transmit transaction information to the wallet via a simple tap.

深入研究技术细节，如果支持 USDC 的 iOS 钱包启用此功能，它将允许接收设备（例如销售点 (PoS) 系统或其他 iOS 设备）通过无线网络将交易信息传输到钱包。简单的点击。

"This would allow a PoS to tell an iPhone what blockchain address it will accept USDC on, or the amount to pay, and then the iPhone-based wallet app could prompt the user to confirm a payment (like with FaceID) and initiate a transaction over the blockchain to settle the USDC," explained the CEO.

“这将允许 PoS 告诉 iPhone 它将在哪个区块链地址上接受 USDC，或者支付金额，然后基于 iPhone 的钱包应用程序可以提示用户确认付款（就像使用 FaceID）并启动交易通过区块链来结算 USDC，”首席执行官解释道。

According to Circle, when combined with the high-performance and low-fee blockchain that USDC utilizes, this integration will pave the way for seamless and efficient direct-to-merchant USDC payments.

据 Circle 称，当与 USDC 使用的高性能和低费用区块链相结合时，这种集成将为无缝、高效的直接向商户 USDC 支付铺平道路。

Rising Demand for Regulated Stablecoins

对受监管稳定币的需求不断增长

Circle's move to integrate tap-to-pay functionality for USDC on iPhones comes amid increasing demand for regulated stablecoins in the cryptocurrency market.

Circle 在 iPhone 上集成 USDC 的点击支付功能之际，正值加密货币市场对受监管稳定币的需求不断增长。

In June, Circle became the first company to fully comply with MiCA's regulations, enabling it to seamlessly carry out its operations within the European Union. Following this development, USDC's market cap share has surged, increasing from $32 billion to $34 million.

6 月，Circle 成为第一家完全遵守 MiCA 法规的公司，使其能够在欧盟境内无缝开展业务。随着这一发展，USDC 的市值份额激增，从 320 亿美元增加到 3400 万美元。

Chart showcasing USDC's market cap share. Source: IntoTheBlock

显示 USDC 市值份额的图表。来源：IntoTheBlock

This growth in market share is particularly noteworthy considering USDC's decline to $23 billion in 2023 after the collapse of Silicon Valley Bank (SVB).

考虑到硅谷银行 (SVB) 倒闭后 USDC 的价值将在 2023 年跌至 230 亿美元，这种市场份额的增长尤其值得注意。

Moreover, the stablecoin's trading volume has also witnessed a substantial increase on a yearly basis. This surge is indicative of the rising demand for regulated stablecoins, with investors showing a preference for safe and secure crypto assets.

此外，稳定币的交易量也逐年大幅增长。这种激增表明对受监管稳定币的需求不断增长，投资者表现出对安全可靠的加密资产的偏好。

Chart displaying USDC's yearly trading volume. Source: Defillama

显示 USDC 年度交易量的图表。资料来源：德菲拉玛

Apple Opening Up Its NFC Chip to Third Parties

苹果向第三方开放其 NFC 芯片

It's worth noting that Circle's integration of tap-to-pay functionality for USDC on iPhones is possible thanks to Apple's recent decision to allow developers to offer in-app NFC transactions using the secure element starting with iOS 18.1.

值得注意的是，由于 Apple 最近决定允许开发者从 iOS 18.1 开始使用安全元件提供应用内 NFC 交易，因此 Circle 在 iPhone 上集成 USDC 的点击支付功能成为可能。

This move enables developers to set a default contactless payment app that can be accessed by quickly pressing the iPhone's side button. As explained by Circle's CEO, only Apple Pay and Apple's Wallet have been permitted to use this functionality until now.

此举使开发人员能够设置默认的非接触式支付应用程序，只需快速按下 iPhone 的侧面按钮即可访问该应用程序。正如 Circle 首席执行官所解释的那样，到目前为止，只有 Apple Pay 和 Apple Wallet 获准使用此功能。

"Until Apple did this, the only payment app or wallet that could use NFC on iPhones was Apple’s Wallet and Apple Pay," stated the CEO.

“在苹果这样做之前，唯一可以在 iPhone 上使用 NFC 的支付应用程序或钱包是 Apple 的 Wallet 和 Apple Pay，”首席执行官表示。

This integration not only benefits a single stablecoin but also opens up opportunities for various other web3 platforms and projects to integrate their services. Such projects include NFT marketplaces, certificate authorities, and other stablecoins like EURC.

这种集成不仅有利于单一稳定币，而且还为各种其他 web3 平台和项目集成其服务提供了机会。此类项目包括 NFT 市场、证书颁发机构和 EURC 等其他稳定币。

Impact on Circle's USDC Stablecoin

对 Circle 的 USDC 稳定币的影响

Over the past month, USDC's market share has seen a sustained increase, indicating growing demand for the stablecoin.

过去一个月，USDC的市场份额持续增长，表明稳定币的需求不断增长。

Equally, the stablecoin's exchange reserves have also risen exponentially. In fact, according to data from Cryptoquant, the exchange reserves increased from $2.9 billion to $3.08 billion over the past week alone.

同样，稳定币的外汇储备也呈指数级增长。事实上，根据 Cryptoquant 的数据，仅过去一周，外汇储备就从 29 亿美元增加到 30.8 亿美元。

Chart showing USDC's exchange reserves over the past month. Source: Cryptoquant

显示过去一个月 USDC 外汇储备的图表。来源：Cryptoquant

This increase in exchange reserves suggests that a greater demand for USDC is observed to purchase other cryptocurrencies. Simply put, it indicates the greater use of USDC by crypto investors during this period.

外汇储备的增加表明，购买其他加密货币对 USDC 的需求更大。简而言之，这表明加密货币投资者在此期间更多地使用 USDC。

Hence, the integration of USDC into the iPhone's tap-to-pay feature will grant the stablecoin access to a vast user base. A larger user base will further propel USDC's market share, while also contributing to increased revenue and profitability for Circle.

因此，将 USDC 集成到 iPhone 的点击支付功能中将使稳定币能够接触到广大的用户群。更大的用户群将进一步提升 USDC 的市场份额，同时也有助于增加 Circle 的收入和盈利能力。