Stablecoins正在破坏跨境支付

在当今越来越相互联系的全球经济中，企业不断寻求更快，更具成本效益的方式来进行跨境支付。

In today’s increasingly interconnected global economy, businesses are continuously seeking faster, more cost-effective ways to conduct cross-border payments. Traditional remittance systems often present challenges—high fees, extended processing times, and currency volatility—that can hinder global commerce, particularly for small and medium-sized enterprises (SMEs).

在当今越来越相互联系的全球经济中，企业不断寻求更快，更具成本效益的方式来进行跨境支付。传统的汇款系统通常会带来挑战 - 高收费，延长的处理时间和货币波动，这可能会阻碍全球贸易，特别是对于中小型企业（中小型企业）。

Emerging financial technologies like stablecoins are offering promising solutions that streamline international payments.

诸如Stablecoins之类的新兴金融技术正在提供有希望的解决方案来简化国际付款。

The Problem with Traditional Cross-Border Payments

传统跨境支付的问题

Existing international payment methods frequently rely on multiple intermediaries, resulting in high costs and delays. For example, transferring $200 could incur fees as high as $12–$20, according to the World Bank.

现有的国际支付方法通常依赖多个中介机构，从而导致高成本和延误。例如，根据世界银行的数据，转移200美元可能会产生高达12-2美元的费用。

These systems also tend to process transactions over several business days, with fluctuating exchange rates further reducing the actual amount received. Such inefficiencies are especially burdensome for SMEs that often work with narrow profit margins.

这些系统还倾向于在几个工作日处理交易，汇率波动进一步降低了所收到的实际金额。对于经常与利润率狭窄的中小型企业相比，这种效率低下的效率尤其负担。

What Are Stablecoins?

什么是Stablecoins？

Stablecoins are a type of cryptocurrency pegged to the value of stable assets like fiat currencies (e.g., USD or EUR), aiming to offer price stability in the otherwise volatile crypto market. Popular examples include USDT (Tether), USDC (USD Coin), and BUSD (Binance USD).

稳定币是一种加密货币，符合法定货币（例如，美元或欧元）等稳定资产的价值，旨在在原本波动的加密市场中提供价格稳定性。流行的例子包括USDT（Tether），USDC（USD Coin）和Busd（Binance USD）。

There are three main types:

主要类型有三种：

Stablecoins and the Cross-Border Payment Advantage

Stablecoins和跨境支付优势

In 2023, stablecoin market capitalization surpassed $150 billion, and transaction volume surged, with stablecoins accounting for over 50% of crypto activity in Q4, per Chainalysis.

在2023年，Stablecoin市值超过了1500亿美元，交易量飙升，Stablecoins占第四季度加密货币活动的50％以上。

Stablecoins can be transferred quickly and cheaply across borders on blockchain networks such as Tron or Polygon, often in seconds and for a fraction of a cent. These advantages offer practical value to e-commerce platforms, SaaS companies, and global traders.

可以在诸如Tron或Polygon之类的区块链网络上的边界快速，便宜地转移稳定的，通常在几秒钟内和一分钱。这些优势为电子商务平台，SaaS公司和全球商人提供了实用价值。

Their decentralized nature also means transactions occur outside of traditional systems like SWIFT, with 24/7 availability and improved transparency thanks to blockchain’s open-ledger architecture.

他们的分散性质还意味着交易发生在Swift等传统系统之外，借助区块链的开放式LEDGER架构，其可用性为24/7，并提高了透明度。

Infographic: Traditional Payments vs. Stablecoin Payments

信息图：传统付款与稳定付款

Case Study: How UniPayment Supports Cross-Border Transactions

案例研究：单交易如何支持跨境交易

UniPayment, a blockchain payment solution provider, offers tools that facilitate stablecoin-based transactions for entrepreneurs and businesses.

区块链支付解决方案提供商Unipayment提供了促进基于稳定的企业家和企业的交易的工具。

Its platform supports a multi-currency wallet for USDT and USDC, allowing conversion to over 26 fiat currencies, including USD and EUR. With built-in Smart Order Router technology, currency conversions can occur instantly—streamlining operations for businesses in international trade.

它的平台支持USDT和USDC的多货币钱包，可转换为26多个法定货币，包括USD和EUR。借助内置的智能订单路由器技术，可以立即进行货币转换 - 为国际贸易业务的运营提供。

The platform also adheres to compliance protocols under licenses in Lithuania and Belgium, and uses security measures such as multi-party computation (MPC) and cold storage to protect user funds.

该平台还遵守立陶宛和比利时的许可下的合规协议，并使用安全措施（例如多方计算（MPC）和冷藏量）来保护用户资金。

By reducing reliance on traditional banks, UniPayment enables underserved communities—including minority entrepreneurs and freelancers—to conduct cross-border transactions more easily and securely using only internet-enabled devices.

通过减少对传统银行的依赖，Unipayment可以使服务不足的社区（包括少数企业家和自由职业者）仅使用支持Internet的设备更轻松，安全地进行跨境交易。

Industry Outlook: A Growing Market

行业前景：一个不断增长的市场

These indicators underscore the growing momentum behind digital currencies and stablecoins in particular as viable tools for global commerce.

这些指标强调了数字货币和稳定币背后不断增长的动力，尤其是作为全球商业的可行工具。

Unlocking Financial Inclusion

解锁金融包容性

Stablecoins are helping address the global financial inclusion gap, especially in developing regions. The World Economic Forum reports that 1.7 billion adults remain unbanked.

Stablecoins正在帮助解决全球金融包容性差距，尤其是在发展中的地区。世界经济论坛报道说，有17亿成年人仍然没有银行账户。

In places like Nigeria, stablecoins facilitated over $56 billion in cryptocurrency payments in 2023, mostly conducted via mobile wallets. This access enables independent workers and small business owners to participate in global markets, bypassing traditional banking barriers.

在尼日利亚这样的地方，Stablecoins在2023年便利了超过560亿美元的加密货币支付，主要是通过移动钱包进行的。此访问使独立工人和小型企业主能够绕开传统的银行业务障碍。

Final Thoughts: The Road Ahead

最终想法：前进的道路

Stablecoins are proving to be more than a digital trend. They represent a shift toward more accessible, transparent, and cost-effective cross-border transactions.

事实证明，稳定剂不仅仅是一种数字趋势。它们代表着向更容易获得，透明和成本效益的跨境交易的转变。

While challenges remain around regulation and adoption, stablecoins offer a glimpse into a financial system that prioritizes efficiency and inclusivity. Platforms like UniPayment are contributing to this shift by offering secure, compliant, and scalable payment infrastructure for users worldwide.

尽管挑战仍然存在于法规和采用方面，但Stablecoins瞥见了优先级效率和包容性的金融体系。诸如Unipayment之类的平台通过为全球用户提供安全，合规性和可扩展的付款基础架构，从而为这一转变做出了贡献。