万事达卡利用 Mercado Bitcoin 作为加密 P2P 平台

万事达卡正在为欧洲和拉丁美洲的加密货币用户推出一个点对点平台，名为万事达卡加密凭证网络。

Mastercard is venturing into the world of cryptocurrency with the launch of a peer-to-peer (P2P) platform for users in Europe and Latin America.

万事达卡正在进军加密货币领域，为欧洲和拉丁美洲的用户推出点对点 (P2P) 平台。

Named the Mastercard Crypto Credential network, the platform is currently in its pilot phase and will enable cross-border transactions on select crypto exchanges.

该平台名为万事达卡加密凭证网络，目前正处于试点阶段，并将在选定的加密货币交易所上启用跨境交易。

This move is part of Mastercard's broader strategy to integrate digital assets into the growing cross-border payments sector.

此举是万事达卡将数字资产整合到不断增长的跨境支付领域的更广泛战略的一部分。

According to Mastercard, the P2P network will allow users to transact using Mastercard Crypto Credential aliases. These aliases essentially serve as vanity addresses, comparable to the Ethereum Name Service (ENS) on the Ethereum network.

据万事达卡称，P2P 网络将允许用户使用万事达卡加密凭证别名进行交易。这些别名本质上充当虚荣地址，类似于以太坊网络上的以太坊名称服务（ENS）。

By utilizing these aliases, users can replace the traditional long string of wallet addresses with more user-friendly labels, simplifying the transaction process.

通过利用这些别名，用户可以用更人性化的标签取代传统的一长串钱包地址，从而简化交易流程。

Mastercard's entry into the crypto space is significant, especially considering the substantial growth in global remittances, which reached an estimated $831 billion in 2022, compared to $717 billion in 2020.

万事达卡进军加密货币领域意义重大，特别是考虑到全球汇款大幅增长，预计 2022 年全球汇款额将达到 8,310 亿美元，而 2020 年为 7,170 亿美元。

This initiative is expected to streamline cross-border payments, particularly in the remittances sector.

这一举措预计将简化跨境支付，特别是在汇款领域。

The pilot program includes Mastercard's partners Bit2Me, Lirium, Mercado Bitcoin, and wallet provider FoxBit.

该试点计划包括万事达卡的合作伙伴 Bit2Me、Lirium、Mercado Bitcoin 和钱包提供商 FoxBit。

Through this program, human-readable aliases are assigned and verified by Mastercard, helping reduce user error and potential financial loss by pre-screening transactions to ensure compatibility of crypto assets with the recipient's address.

通过该程序，万事达卡分配和验证人类可读的别名，通过预先筛选交易来帮助减少用户错误和潜在的财务损失，以确保加密资产与收件人地址的兼容性。

However, despite these advancements, concerns about centralization and security naturally arise. The Mastercard Crypto Credential program essentially relies on the company to verify user identities and screen transactions.

然而，尽管取得了这些进步，人们自然会产生对集中化和安全性的担忧。万事达卡加密凭证计划本质上依赖该公司来验证用户身份并筛选交易。

This raises questions about data security and user privacy, especially considering Mastercard's history of multiple data breaches, exposing over 40 million accounts to hackers since 2005.

这引发了有关数据安全和用户隐私的问题，特别是考虑到万事达卡曾多次发生数据泄露事件，自 2005 年以来，已有超过 4000 万个账户暴露给黑客。

Earlier in March, Mastercard announced a collaboration with Nexi, a payment technology company in Europe, to bring open banking payment options to shoppers across the continent.

3 月初，万事达卡宣布与欧洲支付技术公司 Nexi 合作，为欧洲大陆的购物者提供开放式银行支付选项。

Open banking is a modern payment method that allows people to use their existing bank account to pay online quickly. Instead of the usual way of paying, where you might enter your card details, open banking uses the security measures you already have with your bank.

开放银行是一种现代支付方式，允许人们使用现有的银行账户快速在线支付。开放式银行业务不是使用通常的支付方式（您需要输入银行卡详细信息），而是使用您银行已有的安全措施。