稳定币正在弥合加密货币和金融科技之间的差距

稳定币市场总价值超过 1700 亿美元。这是一个很大的数字。周一（10 月 21 日）有消息称，金融科技巨头 Stripe

Fintech giant Stripe’s recent acquisition of stablecoin platform Bridge for $1.1 billion is highlighting the growing interest of the payments sector in these digital assets. Stablecoins are cryptocurrencies pegged to a reserve asset, typically a fiat currency, to maintain a stable value. Their potential to bridge the gap between traditional FinTech and cryptocurrencies is making them an essential topic for payment professionals.

金融科技巨头 Stripe 最近以 11 亿美元收购稳定币平台 Bridge，凸显了支付行业对这些数字资产日益增长的兴趣。稳定币是与储备资产（通常是法定货币）挂钩的加密货币，以维持稳定的价值。它们弥合传统金融科技和加密货币之间差距的潜力使其成为支付专业人士的重要话题。

Stablecoins offer the efficiency and transparency of blockchain technology with the familiarity and stability of fiat currencies, which is critical for integrating blockchain-based assets into mainstream financial systems. They present an optimal solution for optimizing cross-border payments and providing alternative payment options, especially for complex commercial transactions or regions with less stable fiat currencies.

稳定币提供了区块链技术的效率和透明度以及法定货币的熟悉性和稳定性，这对于将基于区块链的资产集成到主流金融系统至关重要。他们提出了优化跨境支付并提供替代支付选择的最佳解决方案，特别是对于复杂的商业交易或法定货币不太稳定的地区。

This interest is evident in recent developments. Payments infrastructure provider BVNK has joined forces with Circle, the issuer of the USDC stablecoin, to accelerate the utility of USDC for BVNK customers. Major payment providers like PayPal, Visa and Coinbase are also expanding their services.

这种兴趣在最近的事态发展中显而易见。支付基础设施提供商 BVNK 已与 USDC 稳定币发行人 Circle 联手，以加速 BVNK 客户对 USDC 的使用。 PayPal、Visa 和 Coinbase 等主要支付提供商也在扩展其服务。

PayPal recently completed its first business payment with its stablecoin, PYUSD, to EY. At the same time, Visa has launched a new platform for banks to issue fiat-backed tokens, including stablecoins and tokenized deposits. Additionally, Coinbase is expanding the methods for businesses to pay via its Coinbase Prime brokerage platform.

PayPal 最近使用其稳定币 PYUSD 向安永完成了第一笔商业付款。与此同时，Visa 推出了一个新平台，供银行发行法币支持的代币，包括稳定币和代币化存款。此外，Coinbase 正在扩展企业通过其 Coinbase Prime 经纪平台进行支付的方式。

Other payment providers and FinTech companies are integrating stablecoins into their platforms, enabling users to make payments or settle accounts using these assets. For instance, Stripe began allowing its merchants in the U.S. to accept USDC through their online checkout pages on Oct. 9. Within the first 24 hours, customers from over 70 countries reportedly made purchases using this payment method.

其他支付提供商和金融科技公司正在将稳定币集成到他们的平台中，使用户能够使用这些资产进行支付或结算账户。例如，Stripe 于 10 月 9 日开始允许其美国商家通过其在线结账页面接受 USDC。据报道，在最初 24 小时内，来自 70 多个国家/地区的客户使用这种支付方式进行了购买。

Stripe had initially enabled crypto payments but paused them in 2018 before announcing their return this past April.

Stripe 最初启用了加密支付，但在 2018 年暂停，然后于今年 4 月宣布回归。

Several stablecoins are available in the market, each with its strengths and use cases. Knowing which stablecoin is best suited to which purpose is crucial to getting the most of its usage.

市场上有多种稳定币，每种都有其优点和用例。了解哪种稳定币最适合哪种用途对于充分利用其用途至关重要。

For example, Tether (USDT) is the largest stablecoin by market cap, but its primary use is as a trading pair on exchanges for liquidity and stability. Its regulatory status may also cause businesses to hesitate in fully embracing it across their operations, especially as the European Union’s Markets in Crypto-Assets Regulation (MiCA) introduces tougher oversight of crypto companies.

例如，Tether（USDT）是市值最大的稳定币，但其主要用途是作为交易所的交易对，以实现流动性和稳定性。其监管地位也可能导致企业在其业务中全面采用它犹豫不决，特别是在欧盟加密资产市场监管（MiCA）对加密公司实行更严格的监管的情况下。

Binance USD (BUSD), the third-largest stablecoin, is similar in makeup and use to USDT, serving a key purpose within the broader Binance crypto ecosystem for remittances and cross-border transfers that bypass traditional banking.

币安美元（BUSD）是第三大稳定币，其构成和用途与 USDT 类似，在更广泛的币安加密生态系统中发挥着关键作用，用于绕过传统银行业务的汇款和跨境转账。

USD Coin (USDC) is the stablecoin that is finding the widest embrace among institutions for payments, remittances and reserve assets, though banks like J.P. Morgan have also created their own native tokens.

尽管摩根大通等银行也创建了自己的原生代币，但美元硬币（USDC）是一种在支付、汇款和储备资产机构中受到最广泛欢迎的稳定币。

In 2019, J.P. Morgan became the first major U.S. bank to introduce its own digital token for real-world use. The bank said the blockchain-based cryptocurrency was created to enable “the instantaneous transfer of payments between institutional accounts.”

2019 年，摩根大通成为第一家推出自己的数字代币供现实世界使用的美国大型银行。该银行表示，基于区块链的加密货币的创建是为了实现“机构账户之间的即时支付转移”。

Stablecoins also vary in their regulatory adherence, and businesses must assess the risk and compliance requirements for each.

稳定币的监管遵守情况也各不相同，企业必须评估每种稳定币的风险和合规要求。