B-货币先驱Wei dai感情的款项采用加密货币状态

加密货币，零售付款的用例之一未能开发，分析师现在正在研究此背后的原因。

Crypto pioneer Wei Dai, known for designing the b-money system, a precursor to bitcoin, expressed his disappointment with the lack of crypto adoption for payments despite the shortcomings of fiat payments.

Crypto Pioneer Wei Dai以设计B-Money System（比特币的先驱）而闻名，他对尽管菲亚特付款的缺点不足以收养加密货币，但他对缺乏加密货币的付款表示失望。

Dai, who also serves as the president of blockchain startup Node, created b-money in 1999 as a decentralized and electronic payment system.

戴（Dai）也担任区块链初创节点总裁，他于1999年创建了B-Money，作为分散和电子支付系统。

This system, which predates bitcoin, aimed to be an uncounterfeitable and easily divisible monetary unit that could be used for payments.

该系统早于比特币，旨在成为一个不昂贵且易于分区的货币单位，可用于付款。

Many of the b-money concepts, such as the use of a hash function and a chain of blocks to secure transactions, are still used in today’s cryptocurrencies.

当今的加密货币仍使用了许多B-货币概念，例如使用哈希功能和确保交易的块链来确保交易。

However, despite the introduction of various cryptocurrencies and payment solutions, such as stablecoins, and the high fees charged by banks and credit card companies for processing transactions, consumers prefer using fiat currency in their daily spending.

但是，尽管引入了各种加密货币和付款解决方案，例如Stablecoins，以及银行和信用卡公司用于处理交易的高额费用，但消费者喜欢在日常支出中使用法定货币。

"It's wild that merchants are still paying ~2-3% from each sale to banks & credit card companies. How come crypto has not won yet in C2B payments?" Dai asked on X.

“疯狂的是，商人仍然向银行和信用卡公司支付〜2-3％的费用。加密货币公司尚未赢得C2B付款呢？”戴在X上问。

According to him, the optimal scenario for consumers would involve token incentives, a payment app, tradfi-grade account statements, on-ramp from banks, and stablecoin savings with yield, paving the way for explosive adoption.

据他介绍，消费者的最佳场景将涉及令牌激励措施，付款应用程序，TradFi-Grade帐户报表，银行的兴起以及以产量的储蓄，为爆炸性采用铺平了道路。

Similarly, for businesses, the optimal scenario would include point-of-sale apps on phones and iPads, stablecoin accounts with yield, and off-ramps to banks.

同样，对于企业而言，最佳方案将包括手机和iPad上的销售点应用，具有收益率的Stablecoin帐户以及对银行的外坡道。

"Banks & credit card companies bootstrapped this in the 60s/70s, why can't crypto companies do this today?" he added.

“银行和信用卡公司在60年代/​​70年代对此进行了启动，为什么加密公司今天不能这样做？”他补充说。

Many of the problem areas Dai mentioned can be solved by issuing clear regulations for using stablecoins. This subject is currently being discussed in Congress as part of the Guiding and Establishing National Innovation in U.S. Stablecoins (GENIUS) Act, which was introduced in February by Republican Senator Bill Hagerty and is expected to be passed by the U.S. Senate next week.

DAI提到的许多问题领域可以通过发布明确的使用稳定剂来解决。目前正在国会讨论这一主题，这是指导和建立美国Stablecoins（Genius）法案的一部分，该法案是由共和党参议员比尔·哈格蒂（Bill Hagerty）在2月提出的，预计将在下周美国参议院通过。

Nonetheless, social media users pointed out that stablecoin adoption doesn't solve the credit issue, an area where the fiat world excels.

尽管如此，社交媒体用户指出，stablecoin的采用并不能解决菲亚特世界擅长的信用问题。

"Stablecoin adoption doesn't solve the issue of credit. People want to be able to spend their stablecoins today and pay them back over time, just like how credit card debt works. That's an area where the fiat world excels, and it's crucial for widespread adoption of any new payment technology," a user wrote.

一位用户写道：“ stablecoin的采用不能解决信贷问题。人们希望今天能够花费他们的稳定币并随着时间的流逝而偿还他们的费用，就像信用卡债务的工作原理一样。这是菲亚特世界擅长的领域，对于广泛采用任何新的支付技术至关重要。”

The post B-Money Pioneer Wei Dai Laments State of Crypto Adoption for Payments appeared first on Node Digital.

B-Money P-Money Pioneer Wei Dai感情的款项采用了加密货币状态，首先出现在Node Digital上。

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