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。
#Stablecoins
Today 2 itemsCoinDeskSource summaryAI score4141 CoinDeskSource summaryAI score2525 Circle为USDC经济模式辩护，稳定币竞争对手以更高分成争取其合作伙伴
Circle为USDC经济模式辩护之际，稳定币竞争对手正以更高分成争取其合作伙伴。Coinbase是Circle最大的USDC合作伙伴，同时支持竞争网络Open USD；后者在扣除管理费后，将储备收益分配给合作伙伴。
PYMNTSSource summarySelectedAI score7070 Marqeta and Coinbase launch a stablecoin-enabled payment card solution
Marqeta and Coinbase have partnered to launch a stablecoin-enabled payment card solution, which Marqeta’s enterprise customers can now offer to users. Coinbase is responsible for custody of stablecoin balances and conversion between digital assets and fiat currency, while Base provides the on-chain settlement infrastructure; Marqeta handles card issuance, payment processing, and relationships with banks and card networks. Users can spend their stablecoin balances at merchants that accept bank cards.
推荐理由：The material clearly breaks down Coinbase and Marqeta’s respective responsibilities for custody, fiat conversion, on-chain settlement, card issuance, and processing, making it easier to understand how a stablecoin card connects to existing card networks.
CryptopolitanSource summarySelectedAI score8080 Three senior Russian officials join the board of sanctioned payments company A7
Russian Energy Minister Sergei Tsivilev, First Deputy Prime Minister Denis Manturov, and Finance Minister Anton Siluanov joined the board of payments company A7.
推荐理由：The article links changes to A7’s board with U.S. sanctions, proposed restrictions by FinCEN, and A7A5’s fund flows, presenting its scale and compliance risks in Russia’s foreign trade payments.
CryptopolitanSource summaryAI score5252 Circle解释USDC收入分配机制，OUSD合作伙伴收益模式成背景
Circle首席商务官Kash Razzaghi发布文章，解释USDC约$1.4 billion上半年收入如何在分销合作伙伴、运营投入和利润之间分配。其中约$819 million流向钱包、交易所、银行和支付机构及交易成本，约$473 million用于牌照、银行关系、结算流动性、合规和区块链工作，净利润约为每美元收入的7美分。
PYMNTSSource summaryAI score6868 稳定币瞄准跨境付款预筹资中的现金占用
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。
Stripe BlogSource summarySelectedAI score7676 Stripe expands Global Payouts and stablecoin card issuance, and launches a unified API stack
Stripe has introduced three global updates for fintech companies, including expanding Global Payouts, launching stablecoin card issuance in 27 EU countries, and providing a unified API stack. Global Payouts now supports sending instant stablecoin payments to 160 markets and fiat currency payments to more than 100 markets; stablecoin cards are available in more than 65 countries worldwide, with plans to expand to 100 countries by the end of 2026.
推荐理由：The update brings payments, stablecoin card issuance, and Treasury capabilities into a unified stack, providing a concrete reference for the coverage and compliance integration of cross-market financial products.
PYMNTSSource summaryAI score5858 Circle计划进入40个新市场以应对稳定币需求增长
Circle计划在全球新增40个市场，并称东南亚、拉丁美洲和中东的个人及企业对稳定币需求正在增长。Circle表示，USDC网络已覆盖35条区块链、55多个注册和牌照以及185个国家。Circle还计划收购Tazapay，并与Binance达成五年协议，后者将投资$100 million以推动USDC在新兴市场的推广、认知和平台集成。
Digital Transactions NewsSource summaryAI score6060 Marqeta与Coinbase合作推出面向企业客户的稳定币支付卡
Marqeta将与Coinbase合作发行支付卡，供企业客户提供给消费者使用稳定币余额消费。Coinbase负责稳定币余额托管并将数字资产转换为法币，Base负责结算，Marqeta负责发卡与支付处理。
CryptopolitanSource summarySelectedAI score7979 CoreWeave and Broadcom Refuse to Trade Tokenized Shares on OKXICE
CoreWeave and Broadcom have refused to allow tokens linked to their shares to be traded on OKXICE’s new trading venue, while Cerebras Systems has also not allowed related tokens to trade on the venue.
推荐理由：The article details OKXICE’s notification and objection mechanism: companies must raise objections within 30 days of receiving a listing notice, or the tokens could enter tokenized trading.
CoinDeskSource summarySelectedAI score7373 Circle plans to expand into about 50 emerging and developing markets
Circle plans to enter about 50 emerging and developing markets to meet growing demand for digital dollar payments in Southeast Asia, Latin America and the Middle East. USDC circulation is approximately $72.6 billion, accounting for about a quarter of the stablecoin market; Circle will also support its expansion through the acquisition of Tazapay, the launch of the Arc blockchain and approval for a US federal trust bank. The article also notes that AI agents are increasingly using USDC for micropayments.
推荐理由：The article places Circle’s market expansion alongside the acquisition of Tazapay, the Arc blockchain and approval for a US federal trust bank, presenting the path for USDC’s shift from crypto trading toward payments and cross-border remittances.
Fintech News SingaporeSource summaryAI score5959 Episode Six推出 Verified Backing，为稳定币和代币化存款增加实时检查
Episode Six推出 Verified Backing，为银行发行的代币化存款和稳定币提供发行与赎回时的实时有效性检查。该功能运行在 E6 Token Control Ledger 中，会核验代币是否真实、仍未赎回且已有记录的 backing，即使代币经过多个钱包或区块链网络也可检查。该功能面向 Episode Six 客户开放，但不替代独立储备审计或监管要求。
Fintech News SingaporeSource summarySelectedAI score7979 Mastercard and BVNK launch fiat and stablecoin payments platform
Mastercard and BVNK have launched Mastercard Global Money Platform, which supports banks, fintech companies and businesses in holding, converting, paying with and spending fiat currencies and stablecoins through a single API.
推荐理由：The platform brings the holding, conversion, payment and spending of fiat currencies and stablecoins into a single API and connects to Mastercard Move, demonstrating a path for businesses to integrate treasury management with local payouts.
Fintech News SingaporeSource summarySelectedAI score7373 Visa launches USDC stablecoin prefunding service for cross-border payments
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.
CryptopolitanSource summaryAI score5252 Ripple Prime向机构开放24/7 RWA掉期，Virtu已参与交易
Ripple Prime向机构开放24/7 real-world asset永续掉期，覆盖100多个与股票、股票指数、ETF、金属、能源和外汇相关的市场，Virtu已参与交易。
Fintech NewsSource summaryAI score6666 Visa Direct 将稳定币预充值推进至商业部署，Inyo Global接入生产环境
Visa Direct宣布将稳定币能力从试点推进至商业部署，Inyo Global成为首个把Visa Direct稳定币预充值接入生产环境的服务商。接入后，符合条件的企业可通过Inyo平台使用USDC近实时为跨境付款预充值，并通过Visa Direct向超过180个国家发起国内和国际付款。
CryptopolitanSource summaryAI score4343 瑞典重新评估数字克朗，数字欧元与美元稳定币崛起
瑞典央行因数字欧元推进及美元稳定币增长，重新评估推出数字克朗的必要性，但尚未决定发行。若获议会批准，所需基础设施建设约需五年，数字克朗可能在电力和电信中断时支持支付。Token Terminal数据显示，稳定币总规模为$301.4 billion，其中美元代币占99.5%，欧元代币仅占0.3%；ECB计划于late 2027启动数字欧元试点，并力争2029年推出。
PYMNTSSource summaryAI score6464 稳定币跨境支付的下一卖点可能是可追回性
PYMNTS指出，稳定币虽能在数秒内完成跨境结算，但错误地址、欺诈、兑换失败和流动性错配仍可能让企业难以追回资金。文章援引FSB报告称，全球稳定币安排跨越多方和监管框架，责任归属与风险监测更复杂；PYMNTS Intelligence称，88%的收款企业会立即将稳定币兑换为美元。
PYMNTSSource summarySelectedAI score7272 Stripe and Plasma launch a multi-currency stablecoin card
Stripe and Plasma have partnered to launch a multi-currency stablecoin card, allowing cardholders to spend directly from the currencies they already hold and reduce unnecessary conversion and FX costs. The program currently covers more than 30 countries and supports USD, EUR, OUSD, and stablecoins that meet GENIUS-ready requirements, with the goal of expanding to more than 100 countries by 2027. Stripe’s stablecoin card infrastructure will also support more currencies and stablecoins, enabling businesses operating across markets to issue cards matched to their spending needs.
推荐理由：The project covers both fiat currencies and stablecoins, and provides the current country coverage and subsequent expansion target, making it easier to assess the use cases for multi-currency cards in cross-border spending and corporate card issuance.
Payments Cards & MobileSource summarySelectedAI score8383 Noah obtains MiCA and PSD2 licenses, expanding stablecoin payments to 27 EU markets
Stablecoin payments provider Noah has obtained a MiCA crypto-asset service provider license and a PSD2 payment institution license, allowing it to provide stablecoin and fiat payment services in the 27 EU member states. The licenses support its ability to hold, exchange, and transfer stablecoins on behalf of clients, and execute fiat payments via credit transfers; Noah also said it will seek direct access to the SEPA network. The company said its service network now covers more than 150 markets and 60 currencies, enabling clients to complete KYC and KYB through a single regulated provider.
推荐理由：The article explains the MiCA and PSD2 licenses within the same framework, helping readers understand how stablecoin service providers can use unified authorization to cover the 27 EU member states.
PYMNTSSource summaryAI score5959 x402 微支付数据揭示加密货币在智能体商务中的作用
Chainalysis研究发现，过去截至9月的16个月内，x402在Coinbase的Layer-2区块链网络Base上产生了超过138 million笔交易，其中超过87%的支付金额介于0.01美分和10美分之间。
Digital Transactions NewsSource summaryAI score2525 Accertify盘点 Agentic Checkout 及其他数字交易新闻简报
Accertify发布文章区分agentic shopping与agentic checkout，并称按其数据，AI自主完成购买的Agentic Checkout占交易量不到1%。
PYMNTSSource summaryAI score6767 Cross River Bank 将 Ripple USD 接入平台，支持 24/7 全球资金转移
Cross River Bank 通过其 Core Operating System 接入 Ripple USD（RLUSD），将其作为与传统支付轨道并行的新增支付轨道，用于 24/7 全球资金转移。
CoinDeskSource summaryAI score5454 美国缺乏加密资产联邦框架，华尔街转向自行建设合规与基础设施
在美国国会未能推进 CLARITY Act 后，金融机构开始在缺乏联邦统一框架的情况下自行建设加密资产合规与基础设施。SEC 随后推出允许部分交易场所链上交易代币化美国上市股票的“innovation exemption”，但机构仍面临州级规则差异、私有网络相互隔离以及长期资本投入风险。文章建议顾问重点核查客户实际持有的资产、资产托管方、独立验证机制、费用、提现限制及平台失败后的资产追回路径。
Digital Transactions NewsSource summarySelectedAI score7676 Visa and Mastercard launch stablecoin payment services covering cross-border payouts and spending at global merchants
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.
PYMNTSSource summarySelectedAI score7777 Mastercard and BVNK launch Global Money Platform integrating fiat and stablecoins
Mastercard and BVNK have launched Global Money Platform, integrating Mastercard’s payment capabilities with BVNK’s stablecoin infrastructure, now available through BVNK. Banks, fintech companies and businesses can embed multi-currency accounts into their own products and manage funds, payments and settlement; the accounts support fiat and stablecoins, real-time conversion, stablecoin-linked cards and local bank payments. The platform will also support other regulated forms of money in the future, including agentic commerce and tokenized deposits.
推荐理由：The platform integrates fiat accounts, stablecoin infrastructure, real-time conversion and local payments into a single product, enabling banks, fintech companies and businesses to build multi-currency financial services.
Fintech News SwitzerlandSource summarySelectedAI score8484 EBA designates USDC as the first significant e-money token under MiCA
Under MiCA, EBA has designated USDC as a significant e-money token. Among the 45 EMTs currently notified in the EU, USDC is the first to receive this status. From 12 November 2026, EBA will be directly responsible for the issuer’s own funds, reserve assets, liquidity, and recovery and redemption plans, while France’s ACPR will continue to be responsible for governance, qualifying holdings, fit and proper assessments, outsourcing, and conflicts of interest.
推荐理由：The article outlines the division of responsibilities between EBA and ACPR after USDC’s inclusion as a significant EMT, helping readers understand how supervisory responsibilities for stablecoin issuers are being reallocated under MiCA.
CryptopolitanSource summaryAI score6262 A7A5 稳定币停止支付利息，日转账量降至约 61 笔
与卢布挂钩的 A7A5 稳定币自10月9日起未向持有人支付利息，其交易服务依赖的 Yandex 数据中心遭袭后，日转账量从约600笔降至两条区块链合计约61笔。A7A5本身仍在 Tron 和 Ethereum 上结算，但兑换服务受阻，本票目前只能在 A7-Finance 办公室兑换卢布；公司10月14日称预计很快恢复运营。
CryptopolitanSource summaryAI score6161 大量 x402 支付掩盖了规模更小的 AI 智能体经济
Chainalysis披露，Coinbase的Base网络已处理超过138 million笔x402交易，但交易量无法说明参与的AI智能体数量或卖家的可持续收入。
CryptopolitanSource summaryAI score5656 Standard Chartered 将 $2T 稳定币规模预测从 2028 年推迟至 2030 年
Standard Chartered 将稳定币规模达到 $2T 的预测从 2028 年推迟到 2030 年，原因是供应增长停滞。稳定币供应过去一年大致维持在 $300 billion 至 $320 billion，当前约为 $303.7 billion，其中 USDT 为 $184 billion、USDC 为 $73 billion。
Fintech News SingaporeSource summaryAI score6969 StraitsX 与 Visa 将稳定币卡发卡能力扩展至超过 100 个市场
StraitsX 与 Visa 合作，将稳定币支持的银行卡发卡能力从亚洲扩展至超过 100 个市场，面向金融科技公司、DPT 服务商和钱包运营商等。相关卡项目可使用稳定币进行卡资金支持与结算，消费者通过 Visa 网络付款，商户无需直接接受稳定币。StraitsX 表示，其亚洲稳定币卡项目的年化卡 GTV 已超过 US$6 billion，全球扩展须遵守监管、合规及 Visa 要求。
CryptopolitanSource summarySelectedAI score7878 Polygon Labs completes acquisition of Coinme, with approximately 6,000 crypto ATMs to be gradually shut down
Polygon Labs has completed its acquisition of Coinme, gaining money transmitter licenses in 37 states, 11 exemptions, and FinCEN MSB registration, expanding its regulated payments coverage to 48 U.S. states. These credentials will be integrated into Open Money Stack, which brings fiat on- and off-ramps, wallets, cross-chain routing, and settlement into a single integration. Businesses can use stablecoins to hold or settle funds and pay recipients in their local currency.
推荐理由：The material presents both the expansion of licenses and the compliance disposition, allowing readers to see the regulatory constraints that accompany Polygon’s efforts to complete its payments infrastructure through the acquisition.
PYMNTSSource summaryAI score6969 Qivalis获荷兰央行授权，推进发行欧元计价电子货币代币
欧元稳定币项目Qivalis获荷兰央行DNB授权，成为电子货币机构，并满足发行欧元计价电子货币代币（EMT）的主要监管条件。Qivalis计划采用全额储备模式，面向机构金融市场参与者，通过商业银行、金融交易所、支付服务提供商和市场基础设施运营商等合作伙伴进行B2B分销。
CryptopolitanSource summaryAI score4848 加拿大位居G7点对点加密货币经济之首，对亚洲汇款达$2.36B
区块链分析公司 Chainalysis 将加拿大评为 G7 点对点加密货币经济之首，向印度、中国和菲律宾的汇款在 2025 年 7 月至 2026 年 6 月同比增长 141%，达 $2.36 billion。
Payments DiveSource summaryAI score4141 Cleveland Federal Reserve Bank调查：企业对稳定币持谨慎态度
Cleveland Federal Reserve Bank对第四联邦储备区企业的调查显示，稳定币短期内难以成为美国支付领域的颠覆性力量。148名受访者中仅1家已使用稳定币，7家计划未来使用；企业主要受技术陌生、满足于现有支付选项，以及客户和供应商需求不足影响。跨境支付被部分行业顾问视为稳定币最具潜力的应用场景。
Banking DiveSource summarySelectedAI score7575 Rain, MassPay and other stablecoin startups advance payment applications
Stablecoin startups including Rain and MassPay are bringing digital assets into everyday payments, using connections to traditional payment rails, real-time payment systems and mobile wallets to facilitate sending and receiving funds. Rain launched a digital wallet for stablecoin balances this week, supported by its card-issuing infrastructure, and plans to offer a custodial wallet by year-end. MassPay, meanwhile, serves about 300 businesses and processes tens of billions of dollars annually, with approximately 10% completed in stablecoins and about half involving cross-border payments.
推荐理由：The article compares Rain’s stablecoin payment infrastructure with MassPay’s payout connectivity, and provides customer, geographic and processing-scale details to help assess how stablecoins are being integrated into everyday payments.
CoinDeskSource summaryAI score6262 x402协议处理超1.38亿笔AI智能体加密支付，美国占AI模型推理支付88.1%
据 Chainalysis 数据，AI智能体通过 Coinbase 孵化的 x402 协议在 Base blockchain 上完成超过1.38亿笔加密支付，用于购买数据、计算能力和AI模型访问权限。
CoinDeskSource summaryAI score6363 Perpetuals.com拟依据SEC新豁免机制推出美国股票代币化交易
Nasdaq上市金融科技公司Perpetuals.com计划依据SEC新的五年创新豁免机制，推出基于公链的美国股票代币化交易市场。该市场将由其特拉华州子公司Kephas Corporation运营，初期在Kronos X Public上通过许可制AMM流动性池，以USDC交易代币化美国股票。交易最早可能于11月中旬开始，但仍需完成30天期限、市场数据与合规安排、智能合约安全审查等准备工作。
CoinDeskSource summarySelectedAI score7474 Dutch central bank grants Qivalis an electronic money institution license
The Dutch central bank has granted Qivalis, backed by 37 European banks, an electronic money institution license, bringing it closer to issuing euro-denominated electronic money tokens. Qivalis still needs to publish a white paper and meet other MiCA requirements, and plans to distribute the tokens through banks, cryptocurrency exchanges and payment service providers in the coming months. Under MiCA, holders of electronic money tokens can redeem them at par at any time, and the tokens may not pay interest.
推荐理由：The material sets out the license, the remaining MiCA requirements and the distribution channels, helping readers distinguish between obtaining a license and the formal issuance of stablecoins in the regulatory process.
CoinDeskSource summaryAI score6363 法国拟对受 MiCA 监管的稳定币兑换征收 31.4% 税
法国立法者提议从 2027 年 1 月 1 日起，将加密货币兑换受欧盟 MiCA 监管稳定币纳入 31.4% 的资本利得税范围，但相关措施尚未成为法律。Chainalysis 警告，这可能促使投资者转向欧盟规则之外、透明度较低的稳定币；另一项提案还要求申报持有至少 €100,000 资产的自托管钱包，并拟将加密资产亏损结转期限设为 10 年。