在数字和加密货币革命的引领下，拉丁美洲汇款激增

万事达卡的白皮书强调了拉丁美洲汇款率的不断增长，超过了全球平均水平。该报告强调了移动和互联网普及推动的向数字汇款选择的转变。尽管成本高昂，但数字汇款预计到 2026 年将达到 200 亿美元。然而，挑战依然存在，包括信任、监管问题以及收款国缺乏全面的数字支付生态系统。万事达卡倡导汇款提供商之间进行合作，以解决这些障碍。

Remittances in Latin America: The Rise of Digital and Crypto

拉丁美洲的汇款：数字和加密货币的兴起

Are Latin American Remittances Outpacing Global Growth?

拉丁美洲的汇款是否超过了全球增长？

The latest Mastercard white paper sheds light on the rapidly growing remittance landscape in Latin America, where rates are surging ahead of the global average. The report attributes this growth to the increasing penetration of mobile phones and internet, fueling a shift from traditional cash-based remittances to digital alternatives.

最新的万事达卡白皮书揭示了拉丁美洲快速增长的汇款格局，该地区的汇款利率飙升至全球平均水平。该报告将这一增长归因于移动电话和互联网的日益普及，推动了传统现金汇款向数字替代方案的转变。

How Much Does It Cost to Send Remittances to Latin America?

汇款到拉丁美洲需要多少费用？

In 2022, the average cost of sending remittances to Latin America was 5.8%, slightly below the global average of 6.3%. However, costs could reach as high as 25.5% in certain impoverished regions, highlighting the disparity in remittance fees across the continent.

2022年，向拉丁美洲汇款的平均成本为5.8%，略低于6.3%的全球平均水平。然而，在某些贫困地区，费用可能高达 25.5%，凸显了整个非洲大陆汇款费用的差异。

Is Price Competition Driving Down Remittance Costs?

价格竞争是否会降低汇款成本？

With increased competition among remittance providers, there's a potential "race to the bottom" on prices, offering lower costs for consumers. However, the report also highlights data from the World Bank indicating that a significant portion (over 50%) of remittances are still being transmitted through informal channels.

随着汇款提供商之间的竞争加剧，可能会出现价格“竞底”的情况，从而降低消费者的成本。然而，报告还强调了世界银行的数据，表明很大一部分（超过 50%）的汇款仍在通过非正式渠道进行转移。

What's the Future of Remittances in Latin America: Digital Dominance

拉丁美洲汇款的未来是什么：数字主导地位

Mastercard's analysis reveals the emergence of a "completely new reality" in global remittances, with Latin America leading the charge in digital adoption. As of now, 43% of remittances to the region are received digitally, compared to a global average of 52%. Digital remittances are projected to reach $20 billion by 2026.

万事达卡的分析揭示了全球汇款中“全新现实”的出现，其中拉丁美洲在数字化采用方面处于领先地位。截至目前，该地区 43% 的汇款是通过数字方式收到的，而全球平均水平为 52%。预计到 2026 年，数字汇款将达到 200 亿美元。

Who's Leading the Digital Remittance Revolution?

谁在引领数字汇款革命？

Several key players are driving the digitalization of remittances in Latin America, including Circle and SBI Holdings, which offer remittances using USDC (USDC), and SBI Remit, which utilizes Ripple technology. Ripple is particularly notable for its pioneering efforts in exploring potential applications for central bank digital currencies (CBDCs).

几个主要参与者正在推动拉丁美洲汇款的数字化，包括使用 USDC (USDC) 提供汇款的 Circle 和 SBI Holdings，以及利用 Ripple 技术的 SBI Remit。 Ripple 因其在探索中央银行数字货币（CBDC）潜在应用方面的开创性努力而特别引人注目。

Crypto Enters the Remittance Arena: Opportunities and Challenges

加密货币进入汇款领域：机遇与挑战

Cryptocurrencies are also making their mark in the Latin American remittance market, with players like Binance and Mastercard (through its partnership with Belo) offering crypto-based services. However, the report acknowledges ongoing challenges in the crypto realm, such as trust issues, regulatory hurdles, and technological adoption barriers.

加密货币也在拉丁美洲汇款市场上崭露头角，币安和万事达卡（通过与 Belo 合作）等参与者提供基于加密的服务。然而，该报告承认加密领域持续存在的挑战，例如信任问题、监管障碍和技术采用障碍。

Beyond Digital Transactions: The Importance of Ecosystem Development

超越数字交易：生态系统发展的重要性

While digitizing remittances is crucial, the report emphasizes the need to extend this digitalization beyond the transaction itself. It highlights the importance of fostering digital money ecosystems in recipient countries to enable broader cost reduction and seamless digital payments for recipients.

尽管汇款数字化至关重要，但报告强调需要将这种数字化扩展到交易本身之外。它强调了在受援国培育数字货币生态系统的重要性，以实现更广泛的成本降低和受援国的无缝数字支付。

Can Partnerships Drive Innovation in Remittances?

合作伙伴关系能否推动汇款创新？

The Mastercard white paper concludes by calling for collaboration among remittance providers. It suggests that "intelligent partnerships" between diverse players can accelerate innovation, improve efficiency, and drive down costs in the remittance industry.

万事达卡白皮书最后呼吁汇款提供商之间进行合作。它表明，不同参与者之间的“智能合作伙伴关系”可以加速创新、提高效率并降低汇款行业的成本。