Stripe的AI革命：付款和加密货币的双重戏剧

Stripe以大胆的举动标志着人工智能和金融技术的融合，推出了新的AI基础模型

In a move that brings together two of the hottest technological domains — artificial intelligence and cryptocurrency — payments giant Stripe has unveiled a new AI foundation model designed for payments, along with a significant expansion of its crypto capabilities.

为了将两个最热门的技术领域（人工智能和加密货币）汇集在一起​​，付款巨大条纹揭示了一种新的AI基础模型，并大大扩展了其加密功能。

At its annual developer conference, Stripe unveiled the AI model, which has been trained on trillions of payment transactions and is designed to reduce payment failures, detect fraud more effectively, and streamline checkout experiences.

Stripe在其年度开发人员会议上推出了AI模型，该模型已接受了数万亿美元的付款交易培训，旨在减少付款失败，更有效地检测欺诈，并简化结帐经验。

The company also announced the launch of stablecoin accounts in over 100 countries, allowing businesses to hold, transfer, and accept payments in digital currencies pegged to traditional fiat currencies.

该公司还宣布在100多个国家 /地区宣布启动Stablecoin帐户，允许企业持有，转让和接受与传统法定货币挂钩的数字货币付款。

As reported by TechCrunch, the AI foundation model has been trained on a massive dataset of transactions processed through Stripe’s own platform. This marks the first time a large language model has been specifically specialized for payments.

据TechCrunch报道，AI基础模型已在通过Stripe自己的平台处理的大量交易数据集上进行了培训。这标志着大型语言模型首次专门用于付款。

“We’ve been working on this for several years. The model understands payment flows, settlement timelines, and regulatory requirements across different jurisdictions,” said John Collison, co-founder and president of Stripe.

Stripe的联合创始人兼总裁John Collison说：“我们已经为此致力了几年。该模型了解不同司法管辖区的付款流量，和解时间表和监管要求。”

The model can be used for tasks such as adapting to customer queries in real-time, performing cross-border payments in multiple currencies, and handling transaction scenarios that would usually require manual intervention.

该模型可用于诸如实时适应客户查询的任务，以多种货币进行跨境支付以及处理通常需要手动干预的交易方案。

To power its new AI initiatives, Stripe is deepening its partnership with NVIDIA, which will provide the chipmaker’s computing infrastructure. This collaboration highlights the computational demands of running sophisticated financial AI models at scale.

为了推动其新的AI计划，Stripe正在加深与NVIDIA的合作伙伴关系，NVIDIA将提供芯片制造商的计算基础架构。这种合作强调了按大规模运行复杂的财务AI模型的计算需求。

Meanwhile, Stripe’s expansion into the cryptocurrency space follows a period of growing interest from other financial institutions.

同时，Stripe向加密货币领域的扩展是其他金融机构日益增长的一段时间。

The company’s stablecoin accounts will initially support USD Coin (USDC) and Euro Coin (EUROC), with plans to add more currencies in the coming months.

该公司的Stablecoin帐户最初将支持美元硬币（USDC）和Euro Coin（Euroc），并计划在未来几个月内增加货币。

Stripe’s platform will offer the advantage of instant settlement across borders without the delays typically associated with traditional banking systems.

Stripe的平台将提供跨境即时和解的优势，而没有通常与传统银行系统相关的延迟。

“Stablecoins represent a logical evolution in our payment infrastructure. They combine the programmability and global nature of cryptocurrencies with the stability businesses need for day-to-day operations,” said David Singleton, chief technology officer at Stripe.

Stripe首席技术官David Singleton说：“ Stablecoins代表了我们的付款基础设施中的逻辑发展。它们将加密货币的可编程性和全球性质与稳定业务对日常运营的需求相结合。”

Industry analysts view these dual announcements as Stripe positioning itself at the intersection of two transformative technologies in finance.

行业分析师将这些双重公告视为在金融中两种变革性技术的交汇处的条纹定位。

“Stripe is betting that AI will fundamentally change how payments are processed, be it for optimal routing, fraud detection, or adapting to evolving customer behavior,” said a financial technology researcher.

一位金融技术研究人员说：“ Stripe押注，AI从根本上改变了处理方式，无论是用于最佳路由，欺诈检测还是适应不断发展的客户行为。”

“At the same time, they are seeing an opportunity with blockchain technology, especially as it facilitates cross-border transactions more efficiently than traditional rails.”

“与此同时，他们看到了区块链技术的机会，尤其是因为它比传统轨道更有效地促进了跨境交易。”

The company faces competition on both fronts. In the AI space, established payment processors and banks are developing their own machine learning solutions.

该公司在这两个方面都面临竞争。在AI领域，已建立的付款处理器和银行正在开发自己的机器学习解决方案。

Cryptocurrency firms like Circle (the issuer of USDC) have also been building payment infrastructure and testing new transaction formats in the Web3 space.

像Circle（USDC的发行人）这样的加密货币公司也一直在建立付款基础架构，并在Web3空间中测试新的交易格式。

However, Stripe has the advantage of its massive dataset, which spans millions of businesses globally and hundreds of billions of dollars in annual transaction volume.

但是，Stripe具有其大量数据集的优势，该数据集涵盖了全球数百万个企业和数亿美元的年度交易量。

This diverse training data, cutting across industries and geographies, provides a broad foundation for the AI model to learn from and adapt to different economic and technological environments.

跨越行业和地理的培训数据多样化的培训数据为AI模型提供了一个广大的基础，可以学习和适应不同的经济和技术环境。

For businesses, Stripe’s innovations promise reduced payment friction, lower transaction failure rates, and potentially significant cost savings on international transfers.

对于企业来说，Stripe的创新有望减少支付摩擦，降低交易失败率以及国际转移的可能性大量成本。

However, regulatory questions remain, particularly around the use of AI in financial decision-making and the varying compliance requirements for stablecoin transactions across different jurisdictions.

但是，仍存在监管问题，尤其是关于在财务决策中使用AI以及对不同司法管辖区的Stablecoin交易的合规要求的不同合规要求。