签证，Stablecoins和跨境支付：全球金融的新时代

探索Visa如何将Stablecoins策略性地整合到彻底改变跨境支付，重点关注新兴市场和法规合规性。

Visa, Stablecoins, and Cross-Border Payments: A New Era in Global Finance

签证，Stablecoins和跨境支付：全球金融的新时代

The dynamics of Visa, Stablecoins, and cross-border payments are rapidly evolving. Visa is prioritizing emerging markets for stablecoin integration, aiming to democratize financial systems and enhance remittance efficiency. Let's dive into the key trends and insights shaping this intersection.

签证，稳定币和跨境支付的动态正在迅速发展。 Visa正在优先考虑新兴市场的Stablecoin整合，旨在使金融体系民主化并提高汇款效率。让我们深入了解关键趋势和见解以塑造这一交叉点。

Visa's Strategic Pivot to Stablecoins

Visa的战略性枢纽与Stablecoins

Visa is accelerating its stablecoin integration strategy to transform cross-border payments, with a focus on emerging markets. According to Cuy Sheffield, Visa’s Head of Crypto, stablecoins are positioned to “democratize many emerging systems” by addressing the demand for dollar access in regions with limited financial infrastructure. This strategy aligns with Godfrey Sullivan’s projection that “every institution that moves money will need a stablecoin strategy” by 2025.

Visa正在加快其稳定的整合策略，以转变跨境支付，重点是新兴市场。根据Visa的加密货币主管Cuy Sheffield的说法，Stablecoins可以通过解决有限的金融基础设施的地区对美元访问的需求来“使许多新兴系统民主化”。该策略与戈弗雷·沙利文（Godfrey Sullivan）的预测相吻合，即“每个货币的机构都需要制定策略”到2025年。

Key Insights and Trends

关键见解和趋势

• Emerging Markets Focus: Visa is targeting regions where traditional banking systems struggle to meet the demand for accessible, low-cost remittance services.
• Regulatory Alignment: Visa actively participates in policy discussions to shape a transparent stablecoin ecosystem, emphasizing compliance and stability.
• Ecosystem-Driven Approach: Visa tests use cases through partnerships while maintaining risk oversight, enabling it to stay ahead of regulatory developments and validate efficiency gains before scaling.

Stablecoins Reshaping Cross-Border Payments

稳定币重塑跨境支付

Stablecoins are digital assets designed to maintain a stable value by pegging their worth to a reserve asset, typically fiat currencies like the US dollar. This stability makes them an ideal entry point into the blockchain ecosystem for risk-averse financial institutions.

Stablecoins是数字资产，旨在通过将其价值固定在储备资产上，通常是菲亚特货币（例如美元）。这种稳定性使它们成为用于规避风险金融机构的区块链生态系统的理想切入点。

Ripple’s 2025 New Value Report highlights that global finance leaders believe stablecoins will significantly impact cross-border payments, consumer-to-business payments, and vendor/supplier payments.

Ripple的2025年新价值报告强调，全球财务领导人认为，Stablecoins将极大地影响跨境支付，消费者到企业的付款以及供应商/供应商的付款。

Traditional Finance Integrating Stablecoins

传统金融整合稳定的

Traditional cross-border payment providers have begun integrating stablecoins to meet customer demand for streamlined B2B payments and greater payment optionality. Visa has piloted stablecoin settlement, processing over $225 million in volume. Worldpay plans to offer global stablecoin payouts, and Mastercard is enabling stablecoin payments with Mastercard-branded cards.

传统的跨境支付提供商已开始整合Stablecoins，以满足客户对简化的B2B付款和更高付款期权的需求。 Visa已驾驶Stablecoin和解，处理数量超过2.25亿美元。 WorldPay计划提供全球Stablecoin支出，MasterCard正在用MasterCard品牌的卡启用Stablecoin付款。

Personal Take: The Future is Hybrid

个人看法：未来是混合的

It's clear that stablecoins are not just a passing fad but a crucial component of the future financial landscape. Visa's strategic approach, focusing on regulatory compliance and practical applications in emerging markets, positions them as a key player. The hybrid model, where traditional finance integrates with blockchain technology, seems the most sustainable path forward. The numbers speak for themselves – the processed stablecoin volume and the growing interest from major players like Mastercard and Worldpay cannot be ignored. This is not just about technology; it’s about making global finance more accessible and efficient.

很明显，稳定的不仅是过时的时尚，而且是未来金融景观的关键组成部分。 Visa的战略方法着重于监管合规性和在新兴市场中的实际应用，将其定位为关键参与者。传统金融与区块链技术融合的混合模型似乎是最可持续的道路。这些数字不言而喻 - 经过处理的Stablecoin量以及MasterCard和WorldPay等主要参与者的兴趣不可忽视。这不仅与技术有关。这是关于使全球金融更容易获得和高效。

Conclusion: Buckle Up, Buttercup!

结论：扣紧，毛cup！

The world of Visa, stablecoins, and cross-border payments is rapidly evolving. As stablecoins become more integrated into the financial system, keep an eye on how these changes impact global transactions and financial inclusion. It’s a wild ride, but hey, at least your money might get there faster!

Visa，Stablecoins和跨境支付的世界正在迅速发展。随着Stablecoins越来越融入金融体系，请密切关注这些变化如何影响全球交易和金融包容性。这是一次疯狂的旅程，但是，嘿，至少您的钱可能会更快地到达那里！