贝宝（Paypal）的pyusd stablecoin即将进入恒星区块链

PayPal定于将其稳定的Pyusd带到恒星区块链上，等待监管批准。

PayPal is bringing its stablecoin, PayPal USD (PYUSD), to the Stellar (XLM) blockchain, pending approval from the New York State Department of Financial Services, the company announced.

该公司宣布，PayPal将其Stablecoin（Pyusd）带入纽约州金融服务局待定的批准。

PYUSD is a dollar-linked stablecoin that was launched by PayPal in July last year and is regulated by the New York State Department of Financial Services. It is designed to offer a stable and efficient digital currency for payments, capital flows, and trade.

Pyusd是一种与美元链接的Stablecoin，由PayPal于去年7月推出，并由纽约州金融服务部监管。它旨在为付款，资本流量和贸易提供稳定，高效的数字货币。

The integration with Stellar, known for its speed and low-cost transactions, will provide more options for consumers to access and use PYUSD through digital wallets, local bank connections, and cash systems.

与Stellar的集成以其速度和低成本交易而闻名，将为消费者提供更多选择，以通过数字钱包，本地银行连接和现金系统访问和使用PYUSD。

In addition to expanding consumer access, the integration with Stellar will open up new avenues for liquidity and faster, more efficient capital flows for small and medium-sized businesses.

除了扩大消费者的访问外，与Stellar的集成还将为中小型企业提供新的流动性和更高效率的资本流量。

Using Stellar’s real-time settlement capabilities, businesses will be able to access instant working capital in PYUSD to pay suppliers, manage inventory, or cover other expenses. This approach, often referred to as Payment Financing or “PayFi,” will be especially useful for businesses that deal with delayed payments or need upfront costs.

使用Stellar的实时和解功能，企业将能够在Pyusd访问即时的营运资金，以支付供应商，管理库存或支付其他费用。这种方法通常称为付款融资或“ Payfi”，对于处理延迟付款或需要预先费用的企业特别有用。

Liquidity providers on the Stellar network can also support these financing needs and potentially earn returns by funding real-world economic activity.

恒星网络上的流动性提供商还可以支持这些融资需求，并通过资助现实世界中的经济活动来赚取回报。

PYUSD was initially launched on the Ethereum (ETH) blockchain in August 2023. It was later made available on Solana (SOL) in late 2023, and then expanded to Cardano (ADA) earlier this year.

Pyusd最初于2023年8月在以太坊（ETH）区块链上推出。后来在2023年末在Solana（Sol）上提供，然后于今年早些时候扩展到Cardano（ADA）。

Earlier this year, Coinbase, the largest U.S. crypto exchange, began offering zero-fee transactions for PYUSD and introduced 1:1 USD redemptions, aiming to improve access for merchants and institutional users.

今年早些时候，美国最大的加密交易所Coinbase开始为Pyusd提供零费用交易，并引入了1：1美元的赎回，旨在提高商人和机构使用者的访问权限。

Moreover, to further incentivize adoption, PayPal will begin offering a 3.7% annual yield—paid monthly—to U.S. users holding PYUSD in PayPal or Venmo wallets. This move is part of PayPal's broader strategy to boost PYUSD adoption and expand its role in global payments.

此外，为了进一步激励采用，贝宝（PayPal）将开始向持有Pyusd的美国用户提供3.7％的年度收益率（每月支付）。这一举动是PayPal提高PYUSD采用并扩大其在全球付款中的作用的更广泛战略的一部分。

Notably, PayPal announced in February that it will enable PYUSD payouts via its Hyperwallet platform by the end of Q2 this year, targeting cross-border payments for vendors and freelancers.

值得注意的是，PayPal在2月宣布将在今年第二季度末通过其Hyperwallet平台启用PYUSD支出，以针对供应商和自由职业者的跨境支付。