贝宝，比特币和商人：商业的新时代？

PayPal通过使商人能够接受比特币和其他加密货币来引起海浪。这是商业的未来，还是只是过去的趋势？

Hold on to your hats, folks! PayPal is diving headfirst into the world of Bitcoin and crypto, making it easier than ever for merchants to accept digital currencies. This ain't your grandma's payment system anymore. Let's break down what's happening.

抓住你的帽子，伙计们！贝宝（Paypal）首先要跳入比特币和加密货币的世界，这使商人比以往任何时候都更容易接受数字货币。这已经不是您奶奶的付款系统了。让我们分解发生的事情。

PayPal Embraces Crypto: A Game Changer for Merchants?

PayPal拥抱加密：商人的游戏规则改变者？

PayPal's new "Pay with Crypto" feature allows U.S. merchants to accept over 100 cryptocurrencies, including Bitcoin, Ethereum, and even those quirky altcoins you've been hearing about. Launched recently, this feature converts crypto payments into stablecoins or fiat currency in real-time, shielding businesses from the wild volatility of the crypto market.

贝宝（Paypal）的新“使用加密货币”功能使我们的商人可以接受100多个加密货币，包括比特币，以太坊，甚至您一直在听到的那些古怪的山寨币。该功能最近推出，将加密货币付款转换为稳定货币或法定货币，从而使企业免受加密货币市场的狂野波动。

Think of it this way: a customer in Brooklyn wants to buy a handcrafted lamp from a merchant in Boise. They pay with Bitcoin, PayPal instantly converts it to good ol' U.S. dollars, and the merchant gets paid without having to worry about Bitcoin's price dropping faster than a New Year's Eve ball.

这样想：布鲁克林的一位客户想从博伊西的商人那里购买手工制作的灯。他们用比特币付款，PayPal立即将其转换为良好的美元，而商人将获得报酬，而不必担心比特币的价格下降的速度比除夕球更快。

The Nitty-Gritty: How It Works

尼特·刻薄：它的工作原理

Merchants can link their PayPal accounts with popular crypto wallets like Coinbase and MetaMask. When a customer pays with crypto, PayPal converts it into their own stablecoin, PYUSD, or directly into fiat currency. For the first year, PayPal is offering a promotional transaction fee of just 0.99%, which will then increase to 1.5%. Even at 1.5%, it's still lower than the average credit card fee. Not bad, right?

商人可以将其PayPal帐户与Coinbase和MetAmask等流行的加密钱包联系起来。当客户与加密货币付款时，PayPal将其转换为自己的Stablecoin，Pyusd或直接转换为法定货币。在第一年，PayPal的促销交易费用仅为0.99％，然后将增加到1.5％。即使为1.5％，它仍然低于平均信用卡费用。还不错，对吧？

Why This Matters

为什么这很重要

PayPal's move isn't just about jumping on the crypto bandwagon. It's about democratizing global commerce. CEO Alex Chriss emphasizes that this levels the playing field for businesses looking to expand internationally without getting bogged down by high fees and technical headaches. It also aligns with the broader trend of fintech companies using blockchain to modernize payment systems.

贝宝（Paypal）的举动不仅仅是跳上加密杂货店。这是关于使全球贸易民主化。首席执行官亚历克斯·克里斯（Alex Chriss）强调，这是希望在国际上扩大国际扩张而不会因高费用和技术头痛而陷入困境的企业的竞争环境。它还与使用区块链现代化支付系统现代化的金融科技公司的更广泛趋势相吻合。

MicroStrategy: A Different Approach to Bitcoin

微观：比特币的另一种方法

While PayPal is making crypto accessible for everyday transactions, MicroStrategy is playing a different game. They've strategically adopted Bitcoin as a treasury asset, raising capital to acquire even more Bitcoin. TD Cowen's analysis suggests MicroStrategy could acquire thousands more BTC without diluting common equity, turning the company into a self-reinforcing Bitcoin acquisition machine.

PayPal正在使日常交易可访问加密货币，但MicroStrategy正在玩不同的游戏。他们从战略上采用比特币作为国库资产，从而筹集了资金以获取更多的比特币。 TD Cowen的分析表明，MicroStrategy可以在不稀释共同股权的情况下获得数千种BTC，从而将公司变成自我强化的比特币采集机器。

For institutions that can't directly hold Bitcoin due to regulatory hurdles, MicroStrategy offers a publicly traded stock (MSTR) as a way to gain indirect exposure. It's like a crypto ETF, but with a company attached. Risky? Maybe. Innovative? Definitely.

对于由于监管障碍而无法直接持有比特币的机构，MicroStrategy提供了公开交易的股票（MSTR），作为获得间接接触的一种方式。这就像一个加密ETF，但有一家公司。冒险？或许。创新的？确实。

The Future of Crypto Payments: A Few Thoughts

加密付款的未来：一些想法

PayPal's foray into crypto payments is a bold move, but it's not without its challenges. Regulatory uncertainty and market volatility are still lurking in the shadows. Plus, PayPal's stablecoin, PYUSD, isn't FDIC insured, so there's a level of trust involved.

贝宝（Paypal）涉足加密货币是一个大胆的举动，但这并非没有挑战。监管不确定性和市场波动仍然潜伏在阴影中。另外，贝宝（Paypal）的稳定股份Pyusd没有FDIC被保险，因此涉及一定程度的信任。

However, the potential benefits are huge. Lower transaction fees, access to new customer bases, and simplified cross-border payments could revolutionize how businesses operate. If PayPal can pull this off, we might just be witnessing the beginning of a new era of commerce.

但是，潜在的好处是巨大的。较低的交易费用，访问新客户群以及简化的跨境支付可能会彻底改变企业的运作方式。如果贝宝能够实现这一目标，我们可能只是在见证了一个新时代的开始。

So, What's the Verdict?

那么，判决是什么？

Is PayPal's crypto push a flash in the pan, or a sign of things to come? Only time will tell. But one thing's for sure: the world of payments is changing, and PayPal is determined to be at the forefront. Now, if you'll excuse me, I'm off to buy a coffee with Bitcoin. Just kidding... maybe.

Paypal的加密货币是将锅中的闪光灯推入锅中还是要发生的事情？只有时间会证明。但是可以肯定的是：付款的世界正在发生变化，而贝宝被确定位于最前沿。现在，如果您能原谅我，我要去买一个带比特币的咖啡。只是在开玩笑...也许。