PayPal升级其Pyusd Stablecoin，通过与Stellar区块链集成来支持现实世界中的付款

PayPal正在升级其Stablecoin Pyusd，以与恒星区块链集成，以支持现实世界中的付款，商业和小额信贷

PayPal is integrating its stablecoin, PYUSD, with the Stellar blockchain network to support real-world payments, e-commerce activity, and microfinancing, marking a major evolution in its digital currency strategy.

PayPal将其Stablecoin Pyusd与Stellar Blockain网络相结合，以支持现实世界中的付款，电子商务活动和小额信贷，这标志着其数字货币战略的重大发展。

PYUSD, launched by PayPal in November 2023, is now expanding beyond its initial focus on Ethereum and Solana to include Stellar, a network known for processing transactions in seconds with minimal fees. This move positions PYUSD for broader adoption among developers and businesses.

Pyusd由PayPal于2023年11月推出，目前正在扩大其最初对以太坊和Solana的关注，其中包括Stellar，这是一个以最少费用的几秒钟来处理交易而闻名的网络。此举将PYUSD定位为在开发人员和企业中更广泛的采用。

Stellar's blockchain is designed for speed, cross-border usability, and scalability. With a presence in 170 countries, Stellar's ecosystem includes digital wallets, local fiat on/off ramps, and seamless banking integration. This makes it a natural fit for PayPal's ambition to bring stablecoin-powered payments to the masses, especially in emerging markets where traditional banking can be expensive or inaccessible.

Stellar的区块链专为速度，跨境可用性和可扩展性而设计。 Stellar的生态系统在170个国家/地区拥有在170个国家/地区，包括数字钱包，本地命令开/关和无缝的银行整合。这使得Paypal的野心自然而然地向大众带来了稳定的付款，尤其是在传统银行业务可能是昂贵或无法访问的新兴市场中。

“We are excited to welcome PYUSD to Stellar,” said Danelle Dixon, CEO of the Stellar Development Foundation. “At Stellar, we built our blockchain to provide the speed, low fees, and scalability needed to truly revolutionize cross-border payments at scale. We are focused on making financial services accessible to everyone around the world.”

Stellar Development Foundation首席执行官Danelle Dixon说：“我们很高兴欢迎Pyusd来到Stellar。” “在Stellar，我们建立了区块链，以提供真正彻底改变跨境支付所需的速度，低费用和可伸缩性。我们专注于使世界各地的每个人都可以使用金融服务。”

This partnership also brings PayFi, a payment financing model designed for small and medium-sized businesses (SMBs) to address delayed receivables and pre-funding issues. Through PayFi, businesses can easily apply for and receive instant working capital loans in PYUSD, which are conveniently deposited into their Stellar wallets.

该合作伙伴关系还带来了Payfi，这是一种付款融资模式，该模式为中小型企业（SMB）设计，以解决延迟的应收账款和预先资助的问题。通过Payfi，企业可以轻松地在Pyusd申请并接收即时的营运资本贷款，这些营业贷款便利地存放在其恒星钱包中。

These funds can be used to pay suppliers, manage cash flow efficiently, and cover inventory expenses. The instant settlement and transparency offered by blockchain facilitate optimal operational efficiency, which is not typically found in traditional financial channels. Moreover, liquidity providers can directly participate in the PayFi model and earn attractive yields from real-world economic activity, as opposed to engaging in speculative crypto trading.

这些资金可用于向供应商支付，有效管理现金流并支付库存费用。区块链提供的即时和解和透明度促进了最佳的运营效率，这通常在传统的金融渠道中找到。此外，流动性提供商可以直接参与Payfi模型，并从现实世界中的经济活动中赚取有吸引力的收益，而不是从事投机加密交易。

"We are excited to see PayPal integrating PYUSD with Stellar's blockchain and expanding the possibilities for stablecoins in Web3," said Chris. "This partnership brings together two organizations at the forefront of financial innovation."

克里斯说：“我们很高兴看到Paypal将Pyusd与Stellar的区块链整合在一起，并扩大了Web3中Stablecoins的可能性。” “这种伙伴关系汇集了两个组织在金融创新的最前沿。”

May Zabaneh, VP of Blockchain, Cryptocurrency, and Digital Currency at PayPal, added: “We believe that stablecoins are one of crypto's best-known "killer apps", offering the stability of fiat currency with the flexibility and speed of blockchain technology. We are eager to see what developers build with PYUSD on Stellar.”

贝宝（Paypal）的区块链，加密货币和数字货币副总裁May Zabaneh补充说：“我们相信，稳定的稳定性是Crypto最著名的“ Killer Apps”之一，为FIAT货币的稳定性提供了具有区分型技术的灵活性和速度。我们渴望看到开发人员与Pyusd一起在Stellar上建立了什么。”

Stablecoins are quickly becoming a key focus area in the blockchain industry, and PYUSD is one of the most closely watched stablecoins due to PayPal's vast user base and merchant network.

由于PayPal庞大的用户群和商家网络，Stablecoins迅速成为区块链行业的关键重点领域，Pyusd是最受关注的Stablecoins之一。

PYUSD is applying for New York Department of Financial Services (NYDFS) approval for Stellar integration. The move comes after the firm received approval from the agency to launch its own stablecoin earlier this year.

Pyusd正在申请纽约金融服务部（NYDFS）批准出色的整合。此举是在该公司获得该机构的批准之后，今年早些时候推出了自己的Stablecoin。

During the launch, NYDFS emphasized the importance of robust anti-money laundering (AML) and know-your-customer (KYC) programs, in addition to a comprehensive framework for cybersecurity and consumer protection measures. These areas will likely be crucial for the Stellar integration.

在发布过程中，NYDFS强调了强大的反洗钱（AML）和知识客户（KYC）计划的重要性，此外还有一个用于网络安全和消费者保护措施的综合框架。这些区域可能对恒星整合至关重要。

PYUSD is also entering a competitive market with Circle's USDC, backed by Goldman Sachs, currently boasting over $50 billion in circulation and taking the lead in stablecoin payments. Meanwhile, Tether's USDT remains a global giant in the broader stablecoin market.

Pyusd还以圆满的USDC进入了一个竞争激烈的市场，该公司在高盛（Goldman Sachs）的支持下，目前拥有超过500亿美元的发行量，并以Stablecoin的付款领先。同时，Tether的USDT仍然是更广泛的Stablecoin市场中的全球巨头。

PYUSD is entering a saturated market where network effects and trusted liquidity partners will be critical for success.

Pyusd进入了一个饱和的市场，网络效应和值得信赖的流动性合作伙伴对于成功至关重要。