签证，区块链和全球付款：金融创新的新时代

探索签证和区块链如何重塑全球付款，使其更快，更便宜且更容易获得。深入了解最新趋势和见解。

Visa, Blockchain, and Global Payments: A New Era of Financial Innovation

签证，区块链和全球付款：金融创新的新时代

The intersection of Visa, blockchain technology, and global payments is creating a seismic shift in how money moves around the world. Visa is at the forefront, leveraging blockchain to make transactions faster, cheaper, and more accessible. Let’s dive into the key developments and trends shaping this exciting landscape.

签证，区块链技术和全球付款的交集正在在货币环游世界的方式上发生地震转变。 Visa处于最前沿，利用区块链使交易更快，更便宜，更容易获得。让我们深入了解塑造这一令人兴奋的景观的关键发展和趋势。

Visa's Blockchain Breakthroughs: VTAP and B2B Connect

Visa的区块链突破：VTAP和B2B连接

Visa has been actively exploring blockchain solutions. The Visa Tokenized Asset Platform (VTAP), launched in October 2024, is designed to enable banks to issue digital tokens on public blockchains like Ethereum. Imagine banks issuing digital dollars for 24/7 global payments! VTAP pilots are planned for 2025 with BBVA, utilizing smart contracts for automated tasks like instant credit lines. Also, Visa B2B Connect, active since 2019, uses Hyperledger Fabric to streamline high-value business payments across 90 markets. This initiative cuts costs and delays compared to traditional systems like SWIFT.

Visa一直在积极探索区块链解决方案。签证令牌资产平台（VTAP）于2024年10月推出，旨在使银行能够对以太坊等公共区块链发行数字令牌。想象一下银行以24/7全球付款发行数字资金！ VTAP飞行员计划在2025年使用BBVA，利用智能合约来实现即时信用额度等自动化任务。此外，自2019年以来活跃的Visa B2B Connect使用Hyperledger Fabric来简化90个市场的高价值商业付款。与Swift等传统系统相比，该计划削减了成本和延误。

Stablecoins: A Bridge to Web3

Stablecoins：通往Web3的桥梁3

Stablecoins, digital currencies pegged to stable assets like the U.S. dollar, are central to Visa’s blockchain strategy. Visa has already settled over $225 million in transactions using USD Coin (USDC) on Ethereum and Solana. In 2025, Visa partnered with Bridge to expand stablecoin payments in Latin America. This allows freelancers in Mexico or Argentina to receive payouts quickly at Visa’s vast network of 150 million merchant locations. Crypto-linked cards further simplify spending crypto like cash. Visa's approach aims to make blockchain payments seamless for everyday users.

稳定的数字货币与稳定的资产（如美元）挂钩是Visa的区块链策略的核心。 Visa使用USD Coin（USDC）在以太坊和Solana上已经解决了超过2.25亿美元的交易。 2025年，Visa与Bridge合作，扩大了拉丁美洲的Stablecoin付款。这使墨西哥或阿根廷的自由职业者可以在Visa庞大的1.5亿商人地点的网络上迅速获得支出。加密链接卡进一步简化了像现金一样的支出加密。 Visa的方法旨在使日常用户无缝进行区块链付款。

AI Agents Meet Global Payments

AI代理商满足全球付款

Visa is pushing boundaries not only in blockchain but also in AI, with the launch of Visa Intelligent Commerce. This system allows AI agents to handle every step of the shopping journey on your behalf. Partnering with Crossmint, Visa aims to create a trusted ecosystem where only authorized AI agents can access a user’s payment credentials and make purchases, ensuring safety at every step. By supporting features like tokenization and real-time authentication, Visa is paving the way for personalized, secure shopping at scale.

Visa不仅在区块链中，而且在AI中推动了界限，随着Visa Intellignt Commerce的推出。该系统允许AI代理代表您处理购物之旅的每个步骤。 Visa与Crossmint合作，旨在创建一个受信任的生态系统，仅授权AI代理才能访问用户的付款凭证并进行购买，从而确保每一步的安全性。通过支持令牌化和实时身份验证等功能，Visa为个性化，安全购物铺平了道路。

OpenPayd and Ripple: A Collaborative Approach

OpenPayd和Ripple：一种协作方法

Financial infrastructure firm OpenPayd has strategically collaborated with Ripple to deliver scalable, efficient, and compliant payment solutions for enterprise-level clients across the globe. The joint effort focuses on combining OpenPayd’s fiat infrastructure with Ripple Payments to support seamless transactions in euros (EUR) and British pounds (GBP), further strengthening Ripple’s position in the cross-border payments landscape. This collaboration also extends support for OpenPayd’s newly launched stablecoin infrastructure and enabling direct minting and burning of Ripple’s USD-denominated stablecoin, RLUSD.

金融基础设施公司OpenPayd已战略性地与Ripple合作，为全球企业级客户提供可扩展，高效且合规的付款解决方案。共同努力的重点是将OpenPayd的法定基础设施与连锁反应相结合，以支持欧元（EUR）和英镑（GBP）的无缝交易，从而进一步加强了波纹在跨境支付环境中的地位。这项合作还扩展了对OpenPayd新推出的Stablecoin基础架构的支持，并实现了Ripple的USD成立稳定的Stablecoin Rlusd的直接铸造和燃烧。

Challenges and Opportunities

挑战和机遇

While Visa's blockchain efforts are promising, challenges exist. A U.S. DOJ antitrust suit questions its market dominance, and stablecoin regulations remain uncertain. Competition from Mastercard’s Multi-Token Network is also intensifying. Despite these hurdles, Visa’s infrastructure, partnerships, and expertise position it to lead the future of blockchain payments.

尽管签证的区块链努力是有希望的，但仍存在挑战。美国司法部的反托拉斯诉讼质疑其市场优势，而Stablecoin法规仍然不确定。 MasterCard多token网络的竞争也在加剧。尽管有这些障碍，签证的基础设施，合作伙伴关系和专业知识定位，以领导区块链支付的未来。

The Future is Now

未来现在是

Visa's blockchain initiatives are already transforming finance, making payments instant, affordable, and inclusive. By integrating stablecoins and exploring new technologies like AI agents, Visa is not just building faster payment systems but also shaping a decentralized financial future. It’s an exciting time to watch how these innovations unfold and impact global commerce!

Visa的区块链计划已经在改变财务，使付款即时，负担得起且包容。通过整合Stablecoins并探索AI代理等新技术，Visa不仅建立了更快的支付系统，而且还塑造了分散的财务未来。这是观察这些创新如何展开和影响全球贸易的激动人心的时刻！