XTransfer创始人兼CEO邓国标：稳定币将变革B2B跨境贸易支付生态

Group 1: Core Insights - The rapid rise of stablecoins is expected to transform B2B cross-border trade payments, offering faster transaction times and lower fees compared to traditional methods [1] - Stablecoin applications in global B2B cross-border trade are projected to grow significantly, with a year-on-year increase of 400% from February 2024 to February 2025 [1] - XTransfer plans to launch stablecoin cross-border payment services for overseas enterprises by 2025, anticipating that stablecoin transactions will account for over one-third of total receipts within three years [1] Group 2: Regulatory and Compliance Challenges - As stablecoin usage grows, regulatory frameworks are being strengthened, with the U.S. and Hong Kong implementing anti-money laundering (AML) requirements for stablecoin transactions [2] - The anonymous nature of stablecoins presents challenges for AML compliance, as it complicates the verification of trade backgrounds [2] - Effective collection and analysis of off-chain data related to trade transactions are crucial for addressing AML compliance challenges in stablecoin B2B payments [2] Group 3: Technological Solutions and Innovations - XTransfer is implementing a dual verification mechanism combining on-chain behavior analysis and off-chain trade authenticity verification to enhance AML compliance [3] - The integration of AI technology significantly improves the efficiency of verifying the authenticity of B2B trade backgrounds [4][5] - AI-driven infrastructure allows XTransfer to adapt to the fragmented and high-frequency nature of B2B cross-border trade, ensuring low costs and high accuracy in AML compliance [3] Group 4: Future Trends in Payment Infrastructure - The future of B2B cross-border payments will likely see the emergence of dual-currency wallets that support both fiat and stablecoin transactions [6] - Stablecoins are expected to become a new infrastructure for cross-border trade settlements, although fiat currency will continue to play a significant role [6] - XTransfer aims to educate trade enterprises about stablecoin payments to alleviate concerns regarding security and compliance [6] Group 5: Industry Transformation - Stablecoins are reshaping the B2B cross-border trade payment ecosystem, representing not just a technological upgrade but a shift in business models [7] - The core competitive advantage for B2B payment institutions will increasingly focus on AML compliance rather than merely transferring funds [7] - XTransfer is prepared to lead this transformation, positioning itself as a provider of efficient and compliant cross-border payment infrastructure for small and medium-sized enterprises [7]