稳定币黯然失色，迎来数字货币革命

在一次变革性的转变中，稳定币（USDT、USDC、DAI）的交易量已经超过了 Visa 的交易量，凸显了加密货币日益增长的主导地位。仅 Tether 就几乎与万事达卡的平均水平相当，同时超过了 PayPal 的月交易量，对传统支付网络构成了挑战。

Stablecoins Surpass Visa Transaction Volume, Ushering in a Digital Economic Revolution

稳定币交易量超越Visa，迎来数字经济革命

In a transformative development within the digital economy, the combined transaction volume of the three leading stablecoins - Tether (USDT), USD Coin (USDC), and DAI - has eclipsed the average monthly transaction volume of Visa for 2023, as per the recent analysis by Nansen, a renowned on-chain analytics firm.

根据最近的分析，在数字经济的变革性发展中，Tether (USDT)、USD Coin (USDC) 和 DAI 这三种领先稳定币的总交易量已超过 Visa 的平均月交易量。由著名的链上分析公司 Nansen 开发。

This remarkable milestone underscores the burgeoning acceptance and utilization of cryptocurrencies, reflecting a rising preference for decentralized and digital financial solutions.

这一非凡的里程碑凸显了加密货币的迅速接受和利用，反映出人们对去中心化和数字金融解决方案的日益偏好。

Data Unveils Stablecoin Dominance

数据揭示了稳定币的主导地位

Nansen's data unveils the staggering dominance of Tether, the stablecoin with the largest market capitalization. In the past 30 days, Tether has processed a colossal $654 billion in transactions, dwarfing the volumes of DAI ($394 billion) and USDC ($321 billion).

Nansen 的数据揭示了市值最大的稳定币 Tether 的惊人主导地位。在过去 30 天里，Tether 处理了 6540 亿美元的巨额交易，使 DAI（3940 亿美元）和 USDC（3210 亿美元）的交易量相形见绌。

Collectively, these three stablecoins have reached an astounding total transaction volume of $1.369 trillion, surpassing Visa's monthly average of $1.23 trillion recorded in the previous year. This comparison underscores the growing significance of cryptocurrencies in day-to-day financial transactions, posing a challenge to traditional payment networks like Visa, which reported a total annual volume of $14.8 trillion in 2023.

总的来说，这三种稳定币的总交易额达到了惊人的 1.369 万亿美元，超过了 Visa 去年记录的月均交易额 1.23 万亿美元。这一比较凸显了加密货币在日常金融交易中日益重要的重要性，这对 Visa 等传统支付网络构成了挑战，据报道，Visa 2023 年的年交易总额为 14.8 万亿美元。

The data further reveals that Tether alone has nearly matched the transaction volume of Mastercard, the world's second-largest card provider, which averaged $750 billion monthly in 2023. Moreover, Tether's transaction volume has surpassed that of PayPal, which processed an average of $125 billion per month last year. This comparison highlights the increasing reliance on stablecoins for substantial financial transactions and their potential to disrupt conventional payment systems.

数据进一步显示，仅 Tether 就几乎与全球第二大银行卡提供商万事达卡 (Mastercard) 的交易量相当，后者在 2023 年平均每月处理 7500 亿美元的交易量。此外，Tether 的交易量已超过 PayPal，后者平均处理 1250 亿美元去年每月。这一比较凸显了大量金融交易对稳定币的日益依赖及其颠覆传统支付系统的潜力。

Visa Acknowledges the Shift

Visa承认这一转变

Recognizing the evolving landscape, Visa itself released a report in April, suggesting that USDC should be considered the leading stablecoin in terms of transaction volume. This assessment stems from Visa's analysis, which excluded "non-organic" activities such as bot-driven transactions and complex smart contract interactions. Having isolated these elements, Visa found that USDC transaction volume surpassed that of Tether on a weekly basis.

Visa 认识到不断变化的形势，在 4 月份发布了一份报告，建议将 USDC 视为交易量领先的稳定币。这一评估源于 Visa 的分析，其中排除了“非有机”活动，例如机器人驱动的交易和复杂的智能合约交互。分离出这些因素后，Visa 发现 USDC 的每周交易量超过了 Tether。

Visa's criteria for this evaluation included transactions originating from accounts with less than 1,000 stablecoin transactions and less than $10 million in transfer volume within the preceding 30 days, effectively filtering out noise generated by automated systems and large-scale trading operations.

Visa此次评估的标准包括来自过去30天内稳定币交易量少于1000笔、转账量少于1000万美元的账户的交易，有效过滤了自动化系统和大规模交易操作产生的噪音。

Factors Driving Stablecoin Surge

推动稳定币激增的因素

The shift towards stablecoin adoption can be attributed to several key factors. Firstly, stablecoins combine the advantages of cryptocurrencies, such as decentralization and borderless transactions, without the volatility commonly associated with other digital currencies like Bitcoin and Ethereum. This makes them particularly appealing to businesses and individuals seeking a stable store of value and efficient cross-border transactions.

向稳定币采用的转变可归因于几个关键因素。首先，稳定币结合了加密货币的优点，例如去中心化和无边界交易，并且没有比特币和以太坊等其他数字货币常见的波动性。这使得它们对寻求稳定的价值存储和高效跨境交易的企业和个人特别有吸引力。

Secondly, the integration of blockchain technology guarantees transparency and security, fostering trust among users. The blockchain's immutable ledger ensures the recording and visibility of all transactions, minimizing the risk of fraud and errors. This level of security is crucial in a financial landscape increasingly vulnerable to cyberattacks and financial crimes.

其次，区块链技术的整合保证了透明度和安全性，培养了用户之间的信任。区块链的不可变账本可确保所有交易的记录和可见性，从而最大限度地减少欺诈和错误的风险。在越来越容易受到网络攻击和金融犯罪影响的金融环境中，这种安全级别至关重要。

DeFi Sector Spurring Stablecoin Growth

DeFi 行业刺激稳定币增长

The adoption of stablecoins is fueled by their growing utility in the decentralized finance (DeFi) sector, where they are commonly employed as a medium of exchange and as a stable collateral asset. The proliferation of DeFi platforms, which offer financial services without the need for traditional intermediaries such as banks, has created a strong demand for stablecoins.

稳定币在去中心化金融（DeFi）领域不断增长的实用性推动了稳定币的采用，它们通常被用作交换媒介和稳定的抵押资产。 DeFi 平台的激增无需银行等传统中介机构即可提供金融服务，这创造了对稳定币的强劲需求。

Implications and Future Impact

影响和未来影响

The continuous surge in stablecoin transaction volumes makes it evident that they are not merely challenging conventional financial systems but are also redefining global financial transactions. The implications of this shift extend beyond mere transaction metrics; they signal a broader movement towards a more inclusive and decentralized financial ecosystem.

稳定币交易量的持续激增表明，它们不仅在挑战传统金融体系，而且正在重新定义全球金融交易。这种转变的影响超出了单纯的交易指标；它们标志着朝着更具包容性和去中心化的金融生态系统迈进的更广泛的运动。

Consequently, the ongoing evolution of stablecoins is likely to have lasting impacts on financial policies, regulations, and the overall structure of the global economy. The digital economic revolution, driven by stablecoins, is poised to reshape the financial landscape for generations to come.

因此，稳定币的持续发展可能会对金融政策、监管和全球经济的整体结构产生持久影响。由稳定币推动的数字经济革命将重塑子孙后代的金融格局。