COINS.PH PHPC Stablecoin毕业于菲律宾监管沙箱

Coins.ph宣布，其PHPC Stablecoin已毕业于菲律宾中央银行，菲律宾曼谷中央银行（BSP）的菲律宾监管沙盒。

Coins.ph, a cryptocurrency platform operating in the Philippines, has announced that its PHPC stablecoin has completed the regulatory sandbox program operated by Bangko Sentral ng Pilipinas (BSP), the country’s central bank.

Coins.PH是在菲律宾运营的加密货币平台，宣布其PHPC Stablecoin已完成由该国中央银行Bangko Sentral Ng Pilipinas（BSP）运营的监管沙盒计划。

Coins.ph entered the sandbox in April 2024 with the aim of testing and developing its stablecoin in a controlled environment ahead of broader market launch. The company’s involvement in the sandbox was initially expected to conclude in June 2024.

Coins.ph于2024年4月进入沙箱，目的是在更广泛的市场发布之前测试和开发其在受控环境中的稳定币。该公司的参与最初预计将于2024年6月结束。

As one of the main crypto outlets in the Philippines, Coins.ph has been involved in remittances for years, but a local currency stablecoin could accelerate that significantly.

作为菲律宾的主要加密货币之一，Coins.ph多年来一直参与汇款，但是当地货币Stablecoin可以大幅度地加速这一点。

For stablecoins, the sweet spot mainstream use case is emerging market cross border payments, where the country fits the bill. Emerging market bank payments often involve multiple hops, adding both cost and delays. By contrast, a dollar stablecoin could be sent directly to a Coins.ph wallet and then convert to PHPC.

对于Stablecoins而言，最佳主流用例是新兴市场跨境付款，该国适合该法案。新兴市场银行付款通常涉及多个啤酒花，增加了成本和延误。相比之下，一美元的稳定币可以直接发送到硬币。钱包，然后转换为PHPC。

This payment efficiency becomes even more critical in markets with limited financial access. The Philippines exemplifies this challenge, with only 56% of its population holding bank accounts as of 2021. To address this gap, the central bank has licensed alternative financial services, including 12,797 pawnshops – representing 77.8% of all licensed pawnshops – to handle remittance transactions. This infrastructure proves crucial given the Philippines’ 16 million strong diaspora and its position as the world’s fourth largest recipient of remittances, with $40 billion in incoming funds last year according to World Bank data.

在财务访问有限的市场中，这种付款效率变得更加重要。菲律宾举例说明了这一挑战，截至2021年，只有56％的人口持有银行帐户。为了解决这一差距，中央银行已许可替代金融服务，其中包括12,797个典当行 - 占所有许可的Pawnshops的77.8％ - 以处理汇款交易。鉴于菲律宾的1600万个强大的侨民及其作为世界第四大汇款获得者的地位，这一基础设施证明了至关重要的，去年根据世界银行数据，去年有400亿美元的即将到来的资金。

Stablecoins also excel in countries with weak currencies. While the Philippine peso had a bout of depreciation of around 10% in 2022 and 4% last year, it is less volatile than many other currencies.

在货币较弱的国家中，稳定币也表现出色。菲律宾比索在2022年的折旧折旧大约为10％，去年4％的折旧折旧，但比许多其他货币的波动性较小。

Coins.ph stablecoin plans

Coins.ph Stablecoin计划

Against this backdrop, Coins.ph is positioning PHPC to capitalize on these market conditions. With some of the sandbox restrictions lifted, Coins.ph plans to mint more stablecoins to meet demand and can now support larger transactions. It sees some benefits in sidestepping banks, to avoid costs, but also likely because of the large under-banked population.

在此背景下，Coins.ph正在定位PHPC以利用这些市场条件。随着一些沙盒限制，Coins.ph计划薄荷造成更多的稳定剂以满足需求，现在可以支持更大的交易。它看到了避免成本的避免成本，但由于人口不足的人口众多，也有一些好处。

“We can now unlock PHPC’s full potential, particularly in areas where Filipinos need it most – remittances and cross-border transactions,” said Wei Zhou, CEO of Coins.ph.

Coins.ph首席执行官Wei Zhou说：“我们现在可以解锁PHPC的全部潜力，尤其是在菲律宾人最需要的地区 - 汇款和跨境交易。”

The reserves that back the PHPC stablecoin are held at local banks in cash or cash equivalents. Additionally, the company is subject to regular third party audits of its reserves, smart contracts and security infrastructure, as well as reporting to the central bank. However, the company also mentioned public disclosures which we couldn’

支持PHPC Stablecoin的储备金以现金或现金同等价值在当地银行举行。此外，该公司应对其储备，智能合同和安全基础设施的定期第三方审核以及向中央银行报告。但是，该公司还提到了我们无法实现的公开披露