加密货币又回到了支付领域。这一次，它可能真的有效。

稳定币的实用性激增，消除了传统加密货币的波动性，加上数字资产可用性的不断进步，使得商家的接受程度不再是复杂的技术提升。

For nearly its entire history, cryptocurrency has been searching for a sustainable product-market fit.

在几乎整个历史中，加密货币一直在寻找可持续的产品市场契合点。

From payments to speculative investments to supply chain management, the blockchain landscape’s past has been littered with attempts but little long-standing impact.

从支付到投机性投资再到供应链管理，区块链领域的过去充满了尝试，但几乎没有产生长期影响。

Now, crypto is circling back to try its hand at payments again. Only today, the results appear to be, well, promising.

现在，加密货币正在卷土重来，再次尝试支付领域。直到今天，结果似乎还是充满希望的。

The reason? Surging utility of stablecoins, which remove the volatility of traditional cryptocurrencies, as well as ongoing advances in digital asset usability make merchant acceptance less of a complex technological lift.

原因是什么？稳定币的实用性激增，消除了传统加密货币的波动性，加上数字资产可用性的不断进步，使得商家的接受程度不再是复杂的技术提升。

These two trends, usability through simplification of complex technological processes and the standing up of networks to facilitate greater use of stablecoin digital assets as a payment mechanis,heizead the Web3 news and industry advances PYMNTS tracked this week.

这两种趋势，即通过简化复杂技术流程实现的可用性，以及建立网络以促进稳定币数字资产作为支付机制的更多使用，是 PYMNTS 本周跟踪的 Web3 新闻和行业进展的重点。

Building Out Ecosystem Networks to Scale Crypto Payments

构建生态系统网络以扩展加密支付

One of the hurdles for Web3 adoption has been the complexity of blockchain and decentralized technologies. For consumers and businesses, navigating crypto wallets, decentralized finance (DeFi) platforms, and other blockchain applications can be daunting. However, a movement to simplify these processes is making strides in improving usability — making Web3 more accessible to a broader audience.

采用 Web3 的障碍之一是区块链和去中心化技术的复杂性。对于消费者和企业来说，使用加密钱包、去中心化金融 (DeFi) 平台和其他区块链应用程序可能会令人望而生畏。然而，简化这些流程的运动在提高可用性方面取得了长足进步——使 Web3 更容易被更广泛的受众所使用。

Stellar Development Foundation announced Tuesday (Oct. 15) that it is integrating Mastercard’s Crypto Credential solution into its blockchain network. The credential, which helps verify interactions among consumers and businesses using blockchain networks, will be added to the Stellar ecosystem as the exclusive credentialing solution “to enable a range of secure, compliant use cases” for crypto wallet providers such as Coins.ph, Mercado Bitcoin and Wirex.

恒星发展基金会周二（10 月 15 日）宣布，它将把万事达卡的加密凭证解决方案整合到其区块链网络中。该凭证有助于使用区块链网络验证消费者和企业之间的交互，将作为独家凭证解决方案添加到 Stellar 生态系统中，为 Coins.ph、Mercado 等加密钱包提供商“实现一系列安全、合规的用例”比特币和 Wirex。

Meanwhile, payments protocol Aeon will integrate the Tron network as its underlying cryptocurrency payment infrastructure. The partnership “opens new opportunities for seamless crypto payment across the TRON ecosystem,” Aeon said Monday (Oct. 14).

与此同时，支付协议 Aeon 将整合 Tron 网络作为其底层的加密货币支付基础设施。 Aeon 周一（10 月 14 日）表示，此次合作“为整个 TRON 生态系统的无缝加密支付开辟了新的机会”。

PYMNTS examined some of the challenges of cryptocurrency as a payment method earlier this year, noting that adoption remains limited despite jumps in crypto wealth.

PYMNTS 今年早些时候研究了加密货币作为支付方式面临的一些挑战，指出尽管加密货币财富大幅增长，但采用率仍然有限。

But hope springs eternal. In the first 24 hours of allowing its merchants to accept stablecoin payments for online transactions on its platform, Stripe reportedly saw that customers from more than 70 countries made purchases with that form of payment. Stripe authorized its merchants in the United States to receive the Circle-issued USDC through their online checkout pages, beginning Wednesday (Oct. 9). Stripe said in April that it would bring back crypto payments after stopping them in 2018.

但希望是永恒的。据报道，在允许其商家在其平台上接受在线交易的稳定币支付的最初 24 小时内，Stripe 发现来自 70 多个国家的客户使用这种支付方式进行了购买。 Stripe 授权其美国商家从周三（10 月 9 日）开始通过其在线结帐页面接收 Circle 发行的 USDC。 Stripe 今年 4 月表示，继 2018 年停止加密货币支付后，它将恢复加密支付。

Read also: Cross-Border Payments Cost Could Be Cut by Blockchain, If It Can Only Solve the Scale Problem

另请阅读：如果区块链只能解决规模问题，那么跨境支付成本就可以降低

Stablecoins Secure Central Role in Crypto’s Future

稳定币在加密货币的未来中发挥核心作用

As Web3 infrastructure evolves, the role of stablecoins in digital payments is expanding. Stablecoins, pegged to traditional currencies like the U.S. dollar, have emerged as a bridge between fiat and digital assets, providing a level of stability that appeals to businesses and consumers. Developments highlight how the standing up of stablecoin payment networks is facilitating greater use and adoption across a range of sectors.

随着 Web3 基础设施的发展，稳定币在数字支付中的作用正在扩大。与美元等传统货币挂钩的稳定币已成为法定资产和数字资产之间的桥梁，提供了对企业和消费者有吸引力的稳定性。事态发展凸显了稳定币支付网络的建立如何促进各个领域的更多使用和采用。

For instance, Ripple announced its exchange partners and customers for its U.S. dollar-denominated stablecoin, Ripple USD (RLUSD). The stablecoin will be available globally for institutions and users on exchanges and platforms like Uphold, Bitstamp, Bitso, MoonPay, Independent Reserve, CoinMENA and Bullish, Ripple said Tuesday.

例如，Ripple 宣布了其以美元计价的稳定币 Ripple USD (RLUSD) 的交易所合作伙伴和客户。 Ripple 周二表示，该稳定币将在 Uphold、Bitstamp、Bitso、MoonPay、Independent Reserve、CoinMENA 和 Bullish 等交易所和平台上向全球机构和用户开放。

In other related news, PYMNTS examined the use of blockchain and stablecoins in cross-border payments last month in an interview with Sheraz Shere, general manager of payments and commerce at Solana Foundation.

在其他相关新闻中，PYMNTS 上个月在接受 Solana 基金会支付和商务总经理 Sheraz Shere 采访时研究了区块链和稳定币在跨境支付中的使用。

“Blockchain solutions and stablecoins, I don’t like to use the term crypto because this is more about FinTech, they’ve found product-market-fit in cross-border payments,” Shere said.

“区块链解决方案和稳定币，我不喜欢使用加密货币这个术语，因为这更多的是关于金融科技，他们在跨境支付中找到了适合市场的产品，”谢尔说。

He added that one of the most notable benefits of blockchain technology is disintermediation — doing away with the need for multiple passes through correspondent banks, which often slow down transactions and increase their cost.

他补充说，区块链技术最显着的好处之一是去中介化——无需多次通过代理银行，这通常会减慢交易速度并增加成本。

Still, some of the more illicit trends that defined crypto’s past will need to be overcome if the sector's future is to be realized. PYMNTS covered Monday that crypto scams have remained a booming industry for fraudsters who exploit the hype, anonymity and global reach of digital currencies.

尽管如此，如果要实现该行业的未来，就需要克服一些定义加密货币过去的非法趋势。 PYMNTS 周一报道称，对于利用数字货币的炒作、匿名性和全球影响力的诈骗者来说，加密诈骗仍然是一个蓬勃发展的行业。

The latest sting operation, in which the FBI nabbed a dozen and a half criminals, offered a view into the schemes law enforcement agencies are standing up as scammers scale and industrialize their operations. To get the 18 criminals who were charged Oct. 9, the FBI created its own crypto asset, named NexfundAI, and then tracked the use of it to prove malfeasance and manipulation. Instead of flipping the coin for profit, the criminals found themselves at the other end of sealed indictments.

联邦调查局 (FBI) 在最新的一次诱捕行动中抓获了十几名犯罪分子，这让人们得以了解执法机构在诈骗者规模化和工业化运作时所采取的计划。为了抓获 10 月 9 日被指控的 18 名罪犯，FBI 创建了自己的加密资产，名为 NexfundAI，然后追踪其使用情况，以证明渎职和操纵行为。犯罪分子并没有通过掷硬币来牟利，而是发现自己处于密封起诉书的另一端。