邓国标指出，传统跨境支付长期受中间行问题困扰，每笔手续费高达50-100美元，资金到账需要1-5个 工作日，而一旦被中间行调单审查，问题解决可能需要2-4周，这些痛点一直困扰着外贸企业。稳定币基 于区块链的开放账本技术，所有金融机构共享一个账本，有利于消除中间行带来的问题和费用。交易时间 缩短至几分钟甚至秒级，单笔成本极低，且支持7×24小时运作，为跨境支付带来革命性突破。 "在不久的将来，双币钱包将成为B2B跨境贸易支付领域的新标配，即越来越多的服务机构都会向B2B 跨境贸易企业提供'法币+稳定币'的双币钱包，由企业根据自身贸易特点、资金到账时效与费率成本要求， 自行选择法币或稳定币开展跨境支付。"邓国标表示，在获得市场及监管的双重认可的过程中，稳定币虽 然在未来数年将发展迅速，但依旧无法替代法币。稳定币与法币之间的兑换需求会长期存在，这也是双币 钱包会成为趋势的一个重要原因。 "稳定币将成为跨境贸易结算的新基础设施。"中国B2B外贸金融平台XTransfer创始人兼CEO邓国标在 近日召开的未来外贸大会上表示，在B2B跨境支付领域，未来所有的支付企业、银行都必将支持稳定币， 否则在新基础设施替代老基础设施 ...

Core Viewpoint - The rise of stablecoins is set to transform the B2B cross-border trade payment landscape, offering faster transaction times and lower fees compared to traditional methods [2][4]. Group 1: Stablecoin Growth and Adoption - Stablecoins are expected to achieve a fourfold increase in application scale within the B2B cross-border trade sector from February 2024 to February 2025 [2]. - BVNK reports that their annual stablecoin payment volume is approximately $15 billion, with half originating from B2B trade transactions [2]. - 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 their total payment volume within three years [2]. Group 2: Regulatory Environment and Compliance - The regulatory framework surrounding stablecoins is strengthening, with the U.S. and Hong Kong implementing laws that integrate stablecoins into anti-money laundering (AML) systems [4]. - The ability to manage AML risks will become a core competitive advantage for cross-border payment platforms and financial institutions as stablecoin usage expands [4]. Group 3: Anti-Money Laundering (AML) Strategies - The challenge of reconciling on-chain transactions with off-chain trade data is critical for effective AML compliance in stablecoin B2B payments [4][5]. - XTransfer employs a dual verification mechanism combining on-chain behavior analysis with off-chain trade authenticity verification to enhance AML controls [5]. - AI technology significantly aids in processing complex and fragmented information, improving the efficiency of verifying trade backgrounds [6]. Group 4: Future Trends in Payment Infrastructure - The future of B2B cross-border payments will see all payment companies and banks adopting stablecoins, as they become the new infrastructure for trade settlements [7]. - Dual-currency wallets, allowing businesses to choose between fiat and stablecoin for payments, are expected to become standard in the B2B cross-border trade sector [7]. - XTransfer aims to educate trade enterprises about stablecoin payments to alleviate concerns regarding security and compliance [7]. Group 5: Business Model Innovation - The integration of blockchain and AI in payment systems represents not just a technological upgrade but a fundamental shift in business models for B2B cross-border payments [8]. - The core competency of B2B cross-border payment institutions will shift from merely transferring funds to effectively managing AML risks [8].

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]