贝宝，加密和支付系统革命：无缝交易的新时代

探索PayPal如何将加密货币与PayPal链接，StableCoins和P2P加密转移等功能相结合，从而彻底改变了数字融资。

Yo, what's up, financial cats and crypto cool kids! The world of digital payments is morphing faster than a New York minute, and PayPal is right in the thick of it. With moves that are slicker than a Wall Street shark, they're weaving crypto right into the fabric of their payment system. Let’s dive into how PayPal is changing the game.

哟，怎么了，金融猫和加密酷的孩子们！数字支付的世界比纽约的一分钟更快，而贝宝（Paypal）就在其中。随着动作比华尔街鲨鱼的动作，他们将加密货币编织到他们的支付系统的结构中。让我们深入了解PayPal如何改变游戏。

PayPal Links: Making Payments as Easy as Sending a Text

贝宝链接：付款与发送文本一样容易

PayPal just dropped PayPal Links, and it’s a total game-changer. Imagine sending money as easily as firing off a text message. That’s the vibe. This feature lets you create a unique link to send or receive money, and you can share it via SMS, email, or DM. It's currently live in the US, with plans to expand internationally faster than you can say “show me the money.”

PayPal刚刚删除了PayPal链接，这是一个总体游戏规则改变者。想象一下，像发出短信一样轻松地寄钱。那就是氛围。此功能使您可以创建一个唯一的链接来发送或接收资金，并且可以通过SMS，电子邮件或DM共享。它目前居住在美国，计划在国际上扩张的速度比您说的“向我展示这笔钱”。

But here's the kicker: PayPal isn't stopping there. They’re planning to integrate crypto into this P2P flow. Soon, you'll be able to send Bitcoin, Ethereum, and even their own stablecoin, PYUSD, directly through PayPal and Venmo. Transactions will play nice with wallets like MetaMask and Coinbase, expanding the crypto ecosystem. It's like they're building a bridge between traditional finance and the wild world of crypto.

但这是踢脚：贝宝（Paypal）并没有停止那里。他们计划将加密货币集成到这个P2P流中。很快，您将可以直接通过PayPal和Venmo发送比特币，以太坊，甚至他们自己的稳定币Pyusd。交易将与MetAmask和Coinbase这样的钱包效果很好，从而扩展了加密生态系统。就像他们在传统金融与加密世界之间建立了一座桥梁一样。

Crypto at the Heart of PayPal’s Strategy

加密是贝宝策略的核心

Integrating crypto isn't just a side hustle for PayPal; it's a core strategy. Diego Scotti, General Manager of PayPal’s Consumer Group, nailed it when he said, “Whether you send an SMS, a message, or an email, now your money follows your conversations.” They’re aiming to make payments simple, no matter where you are or what app you're using.

整合加密不仅是贝宝（Paypal）的侧面喧嚣；这是一个核心策略。贝宝（Paypal）消费者集团总经理迭戈·斯科蒂（Diego Scotti）说：“无论您是发送短信，消息还是电子邮件，现在您的钱都会跟随您的对话。”他们的目标是使付款变得简单，无论您在哪里或使用什么应用程序。

Another sweet deal? Transfers between friends and family via PayPal and Venmo won't trigger those pesky 1099-K tax forms. This is huge because it keeps personal payments personal. In the crypto world, where taxes can be a headache, this is a major win.

另一个甜蜜的交易？通过PayPal和Venmo之间的朋友与家人之间的转移不会触发那些讨厌的1099-K税款。这是巨大的，因为它可以使个人付款保持个人付款。在加密货币世界中，税收可能会令人头疼，这是一个重大胜利。

A Global Crypto Offensive

全球加密攻击

PayPal is thinking big picture. After launching in the US, PayPal Links is set to hit the UK, Italy, and other markets soon. The goal is to connect their network to billions of wallets via the PayPal World platform. They’ve already launched Pay with Crypto, which accepts over 100 cryptos and offers instant conversion to stablecoins or fiat with fees slashed to 0.99%. That's a 90% saving compared to international bank cards!

贝宝正在思考大局。在美国推出后，PayPal Links将很快打入英国，意大利和其他市场。目的是通过PayPal World Platform将其网络连接到数十亿钱包。他们已经与Crypto启动了薪水，该加密货币接受了100多个加密货币，并立即转换为稳定币或菲亚特，费用降至0.99％。与国际银行卡相比，这节省了90％！

By betting on crypto, PayPal is gearing up for a global offensive. Simplicity, diversity, and interoperability are their weapons of choice. They're not just innovating; they're building a future where payment and energy are linked. They’re even exploring mining and dreaming of greening Bitcoin. Talk about ambitious!

通过押注加密货币，PayPal正在为全球进攻做准备。简单，多样性和互操作性是他们选择的武器。他们不只是创新；他们正在建立一个未来的付款和能源。他们甚至在探索采矿和梦想绿色比特币。谈论雄心勃勃！

Stablecoins Stealing the Spotlight

稳定的人偷了聚光灯

Even the Fed is sitting up and paying attention to stablecoins. The FOMC minutes show they're analyzing the impact of stablecoins on the financial system. They see that these coins could improve payment efficiency but also recognize potential risks to Treasury markets and banking. It's a clear sign that crypto is no longer a fringe topic; it’s part of the mainstream financial conversation.

甚至美联储也坐起来，注意稳定币。 FOMC会议记录表明他们正在分析稳定菌对金融系统的影响。他们看到这些硬币可以提高付款效率，但也可以认识到财政市场和银行业务的潜在风险。这是一个明显的迹象表明，加密货币不再是一个边缘话题。这是主流财务对话的一部分。

U.S. banks and even China are jumping on the stablecoin bandwagon. The OCC is allowing community banks to team up with stablecoin issuers, and China is considering yuan-based stablecoins to boost their currency’s power. This is a seismic shift in global finance.

美国银行甚至中国都在加入Stablecoin潮流。 OCC允许社区银行与Stablecoin发行人合作，中国正在考虑基于元的Stablecoins来促进其货币的权力。这是全球金融的地震转变。

Litecoin ETF: A Game Changer for Crypto Payroll?

Litecoin ETF：加密工资单的游戏规则改变者？

The arrival of a Litecoin ETF could revolutionize crypto payroll, especially for fintech startups in Asia. With greater liquidity and regulatory clarity, Litecoin might become the go-to option for crypto payroll integration. Canary Capital's plan to charge a 0.95% annual fee for its Litecoin ETF is competitive in the crypto realm, aiming to attract small investors looking for regulated investment vehicles.

Litecoin ETF的到来可能会彻底改变加密工资单，尤其是对于亚洲的金融科技初创公司而言。凭借更大的流动性和法规清晰度，Litecoin可能会成为加密货币集成的首选选择。 Canary Capital为其Litecoin ETF收取0.95％年费的计划在加密货币领域具有竞争力，旨在吸引寻找受监管投资工具的小型投资者。

The ETF's approval could compel regulators to set clearer guidelines for crypto payroll systems, similar to the EU’s MiCA framework. This clarity would reduce compliance risks for startups, making Litecoin an appealing choice for payroll. Fintech startups should broaden their payment options, incorporate transparent governance models, and establish robust risk management frameworks to leverage Litecoin effectively.

ETF的批准可能会迫使监管机构为加密货币制度制定更清晰的准则，类似于欧盟的云母框架。这种清晰度将降低初创公司的合规风险，使莱特币成为工资单的吸引人的选择。金融科技初创公司应扩大其付款方式，合并透明的治理模型，并建立强大的风险管理框架，以有效利用莱特币。

CoinLaw’s Takeaway

Coinlaw的外卖

From my perspective, PayPal is killing it in the digital finance game. PayPal Links combined with instant crypto support is something the market desperately needed. Whether you’re splitting rent, sending birthday cash, or managing group travel expenses, this feature has real, practical utility. And the lack of fees and tax reporting for personal payments? That's just icing on the cake.

从我的角度来看，贝宝正在在数字金融游戏中杀死它。 PayPal链接与即时加密支持相结合是市场迫切需要的。无论您是分割租金，发送生日现金还是管理集团旅行费用，此功能都具有真实的实用性。以及缺乏个人付款的费用和税收报告？那只是在蛋糕上锦上添花。

Final Thoughts

最后的想法

So there you have it, folks. PayPal is not just keeping up with the times; they’re setting the pace. With PayPal Links, crypto integration, and a broader vision for global payments, they're making digital finance smoother and more accessible than ever before. Keep your eyes peeled, because the future of payments is looking brighter (and more crypto-friendly) by the minute. Stay breezy!

伙计们，那里有它。贝宝（Paypal）不仅与时代保持同步；他们正在设定步伐。借助PayPal链接，加密整合以及对全球付款的更广泛的愿景，他们使数字融资比以往任何时候都更加顺畅，更容易获得。睁大眼睛，因为付款的未来在一分钟内看起来更加明亮（并且更适合加密友好）。保持微风！