稳定币供应停滞,但支付增长45%:Visa、Mastercard和Stripe连接加密货币与现金
Analytics firm Allium表示,稳定币支付今年迄今达到$482 billion,同比增长45%,尽管稳定币供应停滞。Visa、Mastercard和Stripe等全球支付公司增加加密支付轨道,信用卡消费也同时激增。
Analytics firm Allium表示,稳定币支付今年迄今达到$482 billion,同比增长45%,尽管稳定币供应停滞。Visa、Mastercard和Stripe等全球支付公司增加加密支付轨道,信用卡消费也同时激增。
Visa Direct has begun offering a stablecoin prefunding capability to cross-border payment companies, allowing eligible clients and partners to use USDC to prefund Visa Direct cross-border payment funds in near real time. The first integrator, Inyo Global, has integrated the capability into its platform, enabling businesses to manage cross-border payments through existing Inyo APIs across more than 180 countries.
推荐理由:The original text explains how Visa Direct uses USDC prefunding to support cross-border payments and describes Inyo Global’s integration method and coverage, making it easier to understand the specific use of stablecoins in the prefunding process.
Visa Direct已将稳定币预筹资从试点推进至商业生产阶段,Inyo Global作为首个赋能方,允许符合条件的企业使用USDC近实时为跨境付款预筹资金,收款人仍可收到法币。
Visa allows eligible businesses to prefund cross-border payments using USDC, with Inyo Global becoming the first Visa Direct processor to put the service into commercial use. Through Inyo’s existing API, eligible remittance institutions, fintech companies, and payment companies can fund payments in near real time and use the service around the clock, subject to eligibility and geographic requirements.
推荐理由:The service connects USDC prefunding to the Visa Direct cross-border payment process, demonstrating a specific use of stablecoins in liquidity management and around-the-clock payment readiness.
Visa has launched a commercial service incorporating stablecoins into Visa Direct and, through Inyo Global, supports businesses in sending domestic and international payouts to more than 180 countries; Mastercard has partnered with BVNK to launch the Global Money Platform. The platform allows users to spend stablecoins at hundreds of millions of merchants worldwide that accept Mastercard, with initial users including Nuvei, Marqeta, Ontop, Beem, and Almond Fintech.
推荐理由:The two services cover stablecoin funding, cross-border payouts, and merchant spending respectively, demonstrating concrete pathways for card networks to integrate stablecoins into everyday money movement.
Rain推出非托管稳定币钱包,为其银行卡提供资金来源,支持在全球175 million个商户地点使用;托管钱包计划在年末前推出。Rain表示,虚拟账户收到的资金可进入钱包并以稳定币形式用于卡支付,也可转入银行账户并以当地货币收款。与此同时,Thredd将与Bakkt合作开展稳定币结算信用卡交易的概念验证,预计在明年上半年执行。
Visa调查显示,46%的亚太消费者可能在未来五年使用稳定币,高于过去12个月使用过的16%。受访者中仅6%准确理解稳定币运作方式,欺诈和诈骗担忧是未使用者提及最多的障碍;49%认为稳定币未来五年可能成为跨境转移资金的常见方式。Visa正扩大稳定币结算网络,并寻求支持更多代币和区块链。
Visa发布亚太消费者稳定币调查:46%受访者表示未来五年可能使用稳定币,但过去12个月实际使用者仅16%。Visa Consumer 360调查覆盖14个市场、14,250名18至65岁消费者;66%听说过稳定币,但仅6%准确理解其运作方式。49%认为稳定币未来五年可能成为跨境汇款的常见方式,Visa Stablecoin Platform已面向一组选定beta客户,用于发行、转移和管理稳定币。
Stripe计划在今年年底前将稳定币银行卡业务扩展至100多个国家。该业务结合Stripe的发卡能力与Bridge的稳定币基础设施,Stripe称其卡业务不绑定特定稳定币或区块链。Stripe自2018年以来已发行超过4亿张卡,OUSD也加入其金融基础设施支持的稳定币选项。
Visa公布的新数据显示,FY26年初至今,稳定币关联银行卡交易量中约17%来自企业和商业卡项目。Visa目前支持超过160个稳定币关联卡项目,这些项目的支付量同比增长近200%。Allium估计稳定币年度支付量在$401 billion至$527 billion之间,主要企业支付类别包括服务费、工资和供应商付款。
由140家成员组成的Open Standard联盟推出稳定币Open USD(OUSD),其储备收益扣除管理费后将返还给参与企业,而非主要由发行方留存。企业可按面值、无费用地铸造和赎回OUSD;文章指出,USDT和USDC的流动性网络效应仍构成竞争门槛,OUSD的机会或在尚未转到链上的交易。
Open Standard宣布OUSD稳定币上线,企业可通过Stripe、Coinbase、Mastercard和Visa四条路径接入相关API与工具。所有路径均支持以1:1 USD汇率免费铸造和销毁OUSD,覆盖结算、支付编排、交易、FX、钱包和卡等服务。Stripe用户还可通过Stripe Treasury持有OUSD,并使用稳定币卡消费或将其发送至100多个国家的加密钱包。
Lloyds Banking Group与Visa完成为期7天的跨境稳定币结算试点,Lloyds通过其Jersey Corporate Markets分支向Visa在美国结算了$750,000的付款义务。资金包括周末在内均于一小时内到达Visa;Lloyds使用Canton上的自有节点,Visa则在另一条公有区块链上支持结算,以测试不同区块链网络间的互操作性。
由 Open Standard 推出的美元稳定币 Open USD 已在 Ethereum、Solana、Base 和 Tempo 上线,面向支付、银行、结算、跨境付款和机构交易。