USDC发行人Circle Internet Group启动Stablecoin和解网络，不包括所有韩国公司

Circle Internet Group是基于美元的Stablecoin USDC的发行人，已建立了一个系统，仅通过StableCoins实现全球汇款和结算。但是，据透露，没有一家韩国一家公司参与该网络。

Circle Internet Group, the issuer of the dollar-based stablecoin USDC, has launched a system for carrying out global remittance and settlement entirely with stablecoins. But it has been reported that no South Korean company has joined the network yet.

Circle Internet Group是基于美元的Stablecoin USDC的发行人，已启动了一个系统，可以完全使用StableCoins进行全球汇款和解决。但是据报道，尚无韩国公司加入该网络。

As such, critics are raising concerns that due to the legal and institutional vacuum regarding stablecoins in Korea, domestic financial institutions and fintech companies are lagging behind.

因此，批评者引起了人们的担忧，即由于法律和机构真空对韩国的稳定币，国内金融机构和金融科技公司落后。

Circle Internet Group launched the Circle Payments Network (CPN) last month. It is a network that enables real-time settlement without going through banks.

Circle Internet Group上个月启动了Circle Payments网络（CPN）。这是一个网络，可以实现实时和解而无需通过银行。

CPN uses stablecoins to process real-time fund settlements between financial institutions. When a bank or payment company requests a remittance, the receiving financial institution presents an exchange rate and fee, and the transaction is conducted accordingly. The remittance mediums are the stablecoins USDC and the euro-based EURC. Circle plans to add more usable stablecoins in the future.

CPN使用Stablecoins处理金融机构之间的实时基金和解。当银行或付款公司要求汇款时，接收金融机构会出示汇率和费用，并进行交易。汇款媒介是Stablecoins USDC和基于欧元的EURC。 Circle计划将来添加更多可用的稳定蛋白。

Circle explained that CPN significantly reduces fees compared to existing international remittances and shorten the settlement time, which typically takes 2-5 business days, to real-time levels.

Circle解释说，与现有的国际汇款相比，CPN大大降低了费用，并缩短了定居时间（通常需要2-5个工作日）到实时水平。

Moreover, it does not go through intermediary banks or the Society for Worldwide Interbank Financial Telecommunication (SWIFT). This means it can bypass the existing global payment and settlement network. Until now, being excluded from SWIFT, established in 1973, meant being expelled from the global trade and economic network.

此外，它不会通过中介银行或全球范围内财务电信协会（SWIFT）。这意味着它可以绕过现有的全球付款和结算网络。到目前为止，被排除在1973年成立的Swift之外，意味着被全球贸易和经济网络驱逐出境。

The spread of CPN could be seen as an issue that could shake the very foundations of the financial order. Seo Byung-yoon, head of the DSRV Future Finance Research Institute, diagnosed, “As traditional financial institutions recognize the advantages of stablecoins, such as low fees, immediate settlement, and convenient cross-border transactions, we are entering a stage of popularization where real-life use cases are rapidly expanding.”

CPN的传播可以看作是一个可能动摇金融秩序基础的问题。 DSRV未来金融研究所负责人SEO Byung Yoon被诊断出，“由于传统金融机构认识到稳定的稳定机构的优势，例如低费用，立即定居和便捷的跨境交易，我们正在进入普通的阶段，现实生活中的用例迅速扩展。”

The problem lies with South Korea. 28 companies have joined CPN as partners, including Singapore’s PromoPay and the U.S.’s Alfredpay, the UK’s BVNK, and Israel’s remittance company Nilus. Uruguay’s dLocal, Nigeria’s Flutterwave, and South Africa’s OnAfrica have also made the list.

问题在于韩国。 28家公司以合作伙伴的身份加入了CPN，包括新加坡的Promopay和美国的Alfredpay，英国的BVNK和以色列的汇款公司Nilus。乌拉圭的Dlocal，尼日利亚的Flutterwave和南非的onafrica也列入了列表。

What’s more, global banks such as Deutsche Bank, Santander Bank, Société Générale, and Standard Chartered Bank are participating as network advisors.

更重要的是，德意志银行，桑坦德银行，Sociétégénérale和标准特许银行等全球银行正在担任网络顾问。

However, South Korea, lacking a foundation related to stablecoins, is unable to even participate in CPN discussions. To avoid falling behind global trends, market observers are urging the establishment of stablecoin-related systems.

但是，韩国由于缺乏与稳定的基础有关，甚至无法参加CPN讨论。为了避免落后于全球趋势，市场观察者敦促建立与稳定的系统。