涟漪，openpayd和stablecoins：弥合传统金融与未来之间的差距

Ripple和OpenPayd正在合作将Stablecoin解决方案带到企业，旨在弥合传统金融和区块链之间的差距。了解这种伙伴关系如何塑造全球付款的未来。

Ripple, OpenPayd, and Stablecoins: Bridging the Gap Between Traditional Finance and the Future

涟漪，openpayd和stablecoins：弥合传统金融与未来之间的差距

Ripple and OpenPayd are joining forces to revolutionize global payments with stablecoin solutions, merging blockchain with fiat capabilities.

Ripple和OpenPayd联手使用Stablecoin Solutions彻底改变了全球付款，将区块链与法定能力合并。

Ripple and OpenPayd: A New Partnership

Ripple和OpenPayd：新的合作伙伴关系

Ripple is partnering with OpenPayd to enhance cross-border payments. This collaboration integrates Ripple’s blockchain-based system with OpenPayd’s fiat infrastructure, offering businesses real-time access to stablecoin liquidity and global payment solutions. The goal? To simplify how companies manage funds across borders using Ripple’s RLUSD and OpenPayd’s embedded services.

Ripple正在与OpenPayd合作，以增强跨境支付。这项合作将Ripple的基于区块链的系统与OpenPayd的法定基础架构相结合，从而为企业提供了实时访问Stablecoin流动性和全球支付解决方案的访问。目标？为了简化公司如何使用Ripple的RLUSD和OpenPayd的嵌入式服务来管理跨境的资金。

What Does OpenPayd Bring to the Table?

OpenPayd带来了什么？

OpenPayd brings extensive fiat infrastructure, including real-time payment rails, multi-currency accounts, and virtual IBANs that cover EUR and GBP. This integration aims to make global transactions faster and more transparent. According to OpenPayd’s CEO, Iana Dimitrova, businesses can now move funds globally while simplifying cross-border transactions and treasury management.

OpenPayd带来了广泛的菲亚特基础设施，包括实时支付轨道，多货币帐户以及覆盖欧元和GBP的虚拟IBAS。这种集成旨在使全球交易更快，更透明。根据OpenPayd的首席执行官Iana Dimitrova的说法，企业现在可以在全球范围内移动资金，同时简化跨境交易和财政部管理。

Stablecoin Access at Scale with RLUSD

与RLUSD大规模访问Stablecoin

A key aspect of this partnership is the support for Ripple USD (RLUSD), a stablecoin designed for enterprise use. OpenPayd will handle the direct minting and burning of RLUSD, enabling seamless conversion between fiat and digital assets. Jack McDonald, Ripple’s SVP of Stablecoins, emphasizes that connecting stablecoins to strong fiat on and off-ramps is crucial for global adoption.

该合作伙伴关系的一个关键方面是对Ripple USD（RLUSD）的支持，这是一种旨在企业使用的Stablecoin。 OpenPayd将处理RLUSD的直接铸造和燃烧，从而实现菲亚特和数字资产之间的无缝转换。 Ripple的Stablecoins高级副总裁杰克·麦克唐纳（Jack McDonald）强调，将稳定的稳定者连接到强大的饲料和外升空的范围对于全球采用至关重要。

The Bigger Picture: Unifying Traditional Finance and Blockchain

更大的情况：统一传统金融和区块链

This collaboration targets businesses that need real-time, compliant infrastructure for global operations. As stablecoins become more integrated into financial strategies, a reliable bridge to traditional systems is essential. Ripple and OpenPayd aim to create interoperable networks that support enterprise-grade use.

这项合作针对需要实时，兼容的基础架构来全球运营的企业。随着Stablecoins越来越融入财务战略，至关重要的是，通往传统系统的可靠桥梁至关重要。 Ripple和OpenPayd旨在创建支持企业级使用的互操作网络。

Stablecoins in Emerging Markets: Challenges and Opportunities

新兴市场中的Stablecoin：挑战和机遇

While stablecoins offer financial stability and access to global capital markets, their practical integration into daily transactions in emerging markets faces challenges. Limited payment infrastructure and off-ramping options hinder the utility of stablecoins, creating a “Hotel California” effect where users can enter the digital asset ecosystem but struggle to exit back to local economies. Crypto neobanks built on modular layer-2 Ethereum networks could offer improved unit economics and leverage traditional banking rails for deposits, addressing these issues.

尽管Stablecoins提供了财务稳定和进入全球资本市场的机会，但它们的实际整合到新兴市场的日常交易中面临挑战。有限的付款基础设施和越野选项阻碍了Stablecoins的效用，从而创造了“加利福尼亚酒店”效应，用户可以进入数字资产生态系统，但要努力退回本地经济体。建立在模块化2层以太坊网络上的加密型新型银行可以提供改进的单元经济学，并利用传统的银行轨道来存款，解决这些问题。

Looking Ahead

展望未来

The future of crypto adoption in emerging markets depends on developing comprehensive financial systems that integrate both fiat and digital assets seamlessly. Ripple and OpenPayd are paving the way for a future where stablecoins can be used practically and inclusively, transforming global finance.

加密货币在新兴市场中采用的未来取决于开发无缝整合菲亚特和数字资产的综合财务系统。 Ripple和OpenPayd正在为未来的未来铺平道路，在该未来可以实际和包容地使用Stablecoins，从而改变全球金融。

So, there you have it! Ripple and OpenPayd are making moves to bring stablecoins to the forefront. Who knows? Maybe one day, we’ll all be paying for our morning coffee with RLUSD. The future is now, or at least, it's getting closer!

所以，你有！ Ripple和OpenPayd正在采取行动将Stablecoins带到最前沿。谁知道？也许有一天，我们都会用RLUSD付费。现在的未来是，或者至少，它越来越近了！