超级应用程序，稳定币和未来付款：纽约市的观点

探索超级应用程序和Stablecoins如何重塑付款的未来，挑战传统巨头并促进创新。

Yo, check it—the payments game is changing faster than the L train on a Monday morning. Super apps and stablecoins are the new power couple, ready to disrupt everything from your morning coffee run to how Wall Street moves money. Let’s break it down, New York style.

哟，检查一下 - 付款游戏的变化速度比星期一早上的L火车快。超级应用程序和Stablecoins是一对新的Power夫妇，准备破坏从早晨咖啡到华尔街如何移动资金的一切。让我们分解，纽约风格。

What's the Deal with Super Apps?

超级应用程序有什么关系？

Think of super apps as the Swiss Army knives of the digital world. They're not just one thing; they're everything—messaging, shopping, ride-hailing, and, most importantly, payments, all rolled into a single, slick app. WeChat and Grab are already killing it overseas, and now they’re eyeing the U.S. market. The goal? To make your life easier by putting everything you need in one place.

将超级应用程序视为数字世界的瑞士军刀。他们不仅仅是一件事；它们是一切 - 付款，购物，乘车，最重要的是付款，全部都陷入了一个单一的精巧应用程序。微信和抢劫已经在海外杀死它，现在他们正在关注美国市场。目标？通过将所有您需要的东西放在一个地方，使您的生活更轻松。

Stablecoins: The Secret Sauce

Stablecoins：秘密调味料

Stablecoins are cryptocurrencies pegged to stable assets like the U.S. dollar. Why does this matter? They cut out the middleman in transactions, slashing fees and speeding things up. Visa and Mastercard charge merchants around 3% per transaction, but stablecoins offer a cheaper, more direct route. This is huge for small businesses and consumers looking to save a few bucks.

Stablecoins是加密货币，将其固定在稳定的资产上。为什么这很重要？他们在交易中削减了中间人，削减了费用并加速了速度。签证和万事达卡收费商人每笔交易约3％，但Stablecoins提供了更便宜，更直接的路线。对于希望节省几美元的小型企业和消费者来说，这是巨大的。

The GENIUS Act: Uncle Sam Steps In

天才法：山姆大叔踏入

President Trump signed the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act) in July 2025, laying down the law for stablecoin issuers. This act mandates that stablecoins must be backed 1:1 with U.S. Treasuries or cash, and prohibits rehypothecation, and establishes a dual regulatory regime involving the Federal Reserve, OCC, FDIC, and state authorities. It’s all about transparency and consumer protection, making stablecoins safer and more legit.

特朗普总统于2025年7月签署了为美国Stablecoins法案（Genius Act）的指导和建立国家创新，为Stablecoin发行人制定了法律。该法令规定，必须用美国国库或现金来支持稳定的1：1，并禁止重新使用，并建立涉及美联储，OCC，FDIC和州当局的双重监管制度。这一切都与透明度和消费者保护有关，使稳定的稳定性更安全，更合法。

Who's Playing the Game?

谁在玩游戏？

The stablecoin market is heating up with both established players and fresh faces. Circle, the issuer of USDC, has been crushing it, but now you've got Kraken, Robinhood, and even X (formerly Twitter) jumping into the mix. Even JPMorgan and Citigroup are developing their own stablecoins, signaling a major shift in the financial landscape.

Stablecoin市场正在与已建立的玩家和新鲜面孔一起升温。 USDC的发行人Circle一直在粉碎它，但是现在您已经拥有Kraken，Robinhood，甚至X（以前是Twitter）参与其中。甚至摩根大通和花旗集团也在开发自己的稳定剂，这表明金融景观发生了重大转变。

Impact on Traditional Payment Giants

对传统付款巨头的影响

Visa and Mastercard better watch out. Super apps and stablecoins are offering faster, cheaper payment solutions that could steal their market share. To stay in the game, these giants might need to embrace blockchain tech or team up with super apps. It’s adapt or get left behind, baby.

Visa和Mastercard最好当心。 Super Apps和Stablecoins提供更快，更便宜的支付解决方案，这些解决方案可能会窃取其市场份额。要留在游戏中，这些巨头可能需要采用区块链技术或与超级应用程序合作。宝贝，它是适应或被抛在后面的。

Data-Driven Opportunities

数据驱动的机会

The GENIUS Act's impact is already visible in market behavior. JPMorgan's stock, for instance, has seen a 12% surge in 2025 as the bank accelerates its stablecoin initiatives. Similarly, fintech firms like PayPal and Square (now Block) have outperformed broader indices, driven by their ability to integrate stablecoins into payment rails and user-facing products.

《天才法案》的影响已经在市场行为中可见。例如，摩根大通的股票在2025年的股票增长了12％，因为该银行加速了其Stablecoin倡议。同样，诸如PayPal和Square（现已块）之类的金融科技公司的表现优于更广泛的指数，这是由于其将Stablecoins集成到付款导轨和面向用户的产品中的能力。

My Take

我的看法

Here’s my two cents: Stablecoins are not just another crypto fad. With the GENIUS Act providing a solid regulatory framework, they’re becoming a legitimate alternative to traditional payment systems. Institutions are taking notice, and that’s where the real money is. Keep an eye on blockchain infrastructure providers like Arbitrum and Solana; they're the unsung heroes enabling low-cost, high-speed transactions.

这是我的两分钱：Stablecoins不仅是另一种加密时尚。随着《天才法》提供坚实的监管框架，它们成为传统支付系统的合法替代方案。机构正在注意，这就是真正的钱。密切关注区块链基础设施提供者，例如仲裁和索拉纳；他们是无名英雄，可以实现低成本，高速交易。

The Road Ahead

前面的道路

Of course, there are risks. The GENIUS Act’s 18-month implementation timeline means we won’t see the full impact until November 2026. But the writing’s on the wall: stablecoins are here to stay, and they’re changing the game.

当然，有风险。 《天才法案》的18个月实施时间表意味着我们要等到2026年11月才能看到全部影响。但是写作在墙上：stablecoins在这里留在这里，他们正在改变游戏。

In Conclusion

综上所述

The convergence of super apps and stablecoins is reshaping the payments industry right before our eyes. It’s all about cutting costs, boosting efficiency, and sparking innovation. So, buckle up, because the future of payments is looking brighter and faster than ever. Who knows, maybe one day you’ll be paying for your bodega coffee with stablecoins through a super app. Just another day in the Big Apple!

超级应用程序和Stablecoins的融合正在我们眼前重塑付款行业。这一切都是关于削减成本，提高效率和激发创新。因此，扣紧了，因为付款的未来比以往任何时候都更加明亮，更快。谁知道，也许有一天，您将通过超级应用使用Stablecoins为Bodega咖啡付费。在大苹果的另一天！