梅塔（Meta）在Diem灭亡近三年后再次探索稳定付款

在监管机构停止公司Diem数字货币项目近三年之后，Meta将再次探索其平台付款。

Meta is reportedly exploring stablecoin payments again for its platforms, nearly three years after regulators halted the company’s flagship Diem digital currency project.

据报道，在监管机构停止该公司的旗舰Diem数字货币项目后将近三年后，Meta再次探索其平台付款。

The fresh discussions come as institutional interest in stablecoins surges amid broader cryptocurrency market volatility. In the U.S., regulatory conditions for crypto are also shifting following the Trump administration.

随着更广泛的加密货币市场波动，对Stablecoins的机构兴趣激增，进行了新的讨论。在美国，在特朗普政府之后，加密货币的监管条件也正在转移。

Meta’s Diem Project Hit Regulatory Snag

Meta的Diem项目命中监管障碍

Launched in 2019 as Libra and later renamed Diem, the project aimed to create a blockchain-based payment network to improve financial inclusion. Backed by Meta, the Diem Association developed a travel-rule compliant stablecoin with strict controls, including a ban on anonymous transactions.

该项目于2019年以天秤座的身份成立，后来又改名为Diem，旨在建立一个基于区块链的支付网络以改善金融包容性。在Meta的支持下，Diem协会开发了一个符合旅行规则的Stablecoin，具有严格的控制，包括禁止匿名交易。

Diem CEO Stuart Levey noted how the team applied industry-novel compliance measures and that regulators praised the project’s design. However, despite these efforts, Meta encountered ongoing pressure from federal regulators, including the FDIC, to discontinue the project.

Diem首席执行官斯图尔特·莱维（Stuart Levey）指出，团队如何采用行业 - 新颖的合规性措施，而监管机构则赞扬该项目的设计。然而，尽管做出了这些努力，梅塔还是遇到了包括FDIC在内的联邦监管机构的持续压力，以阻止该项目。

As such, the project faced significant delays, and in January 2022, the Diem Association sold its intellectual property and technical assets to Silvergate Capital (NYSE: SI) for $182 million. Silvergate planned to use the acquired technology to issue its own stablecoin.

因此，该项目面临重大延迟，在2022年1月，Diem协会以1.82亿美元的价格将其知识产权和技术资产出售给了Silvergate Capital（NYSE：SI）。 Silvergate计划使用获得的技术发行自己的Stablecoin。

However, Silvergate’s strategy was later subject to scrutiny following the bank’s 2023 collapse. Crypto analyst MartyParty claimed that Meta was “forced” to abandon Diem. He suggested that the Silvergate deal ultimately contributed to the bank’s failure, sparking questions about the regulatory pressures that led to the project's termination.

但是，银盖特的策略后来在该银行2023年崩溃之后受到审查。加密分析师Martyparty声称Meta被“被迫”放弃Diem。他建议Silvergate交易最终导致了该银行的失败，引发了有关导致该项目终止的监管压力的问题。

Now, a recent report by Fortune indicates that Meta is once again engaging with crypto firms to integrate stablecoin payments on its platforms.

现在，《财富》最近的一份报告表明，梅塔再次与加密货币公司互动，以在其平台上整合Stablecoin的付款。

According to internal sources, the company is planning a multi-token approach. Its considerations reportedly include Circle’s USDC and Tether’s USDt, but no final decisions have been made yet.

根据内部消息来源，该公司正在计划采用多言语方法。据报道，它的考虑包括Circle的USDC和Tether的USDT，但尚未做出最终决定。

Moreover, Fortune noted that Meta is exploring ways to leverage stablecoins for more efficient cross-border payments. The report also mentioned the recent appointment of former Ripple executive Ginger Baker as vice president of product at Meta.

此外，Fortune指出，Meta正在探索利用Stablecoins进行更有效的跨境支付的方法。该报告还提到了最近任命前Ripple执行Ginger Baker为Meta产品副总裁。

As part of these efforts, Meta is reportedly in talks with blockchain companies to address issues related to high fees and processing times.

作为这些努力的一部分，据报道，META正在与区块链公司进行谈判，以解决与高费用和处理时间有关的问题。

These developments come amid a broader industry trend towards integrating stablecoins for payments. Earlier this month, Stripe launched stablecoin-based accounts in over 100 countries, while Visa announced an investment in stablecoin startup BVNK.

这些事态发展是在整合稳定的付款方面的更广泛的行业趋势之中。本月初，Stripe在100多个国家 /地区启动了基于Stablecoin的帐户，而Visa宣布对Stablecoin Startup Bvnk进行投资。

Stablecoin market capitalization has since soared to over $230 billion, highlighting the growing interest and activity in this segment of the cryptocurrency industry.

此后，Stablecoin市值飙升至2300亿美元以上，强调了加密货币行业这一领域日益增长的兴趣和活动。