Core Insights - Visa is testing a pilot project to offer financial institutions, banks, and remittance service providers the option to use pre-funded stablecoins for cross-border payments, aiming to enhance payment speed and flexibility while preventing long-term fund immobilization [1][2] - The pilot will utilize USD stablecoin USC and EUR stablecoin EURC issued by Circle, leveraging Visa Direct's real-time processing platform [1] - This initiative addresses concerns about insufficient account funds causing delays in service for end-users, particularly during non-operational hours of traditional payment systems [1] Group 1 - Visa Direct currently facilitates fund transfers to approximately 11 billion Visa cards, bank accounts, and digital wallets across 195 countries [1] - The addition of stablecoin support allows clients to fund their global account networks in real-time, mitigating delays caused by existing payment systems during non-working hours [1] - Since 2021, Visa has been integrating stablecoins into its network, processing over $225 million in stablecoin transactions to date, although this still represents a small fraction of the total $16 trillion payment cash flow for fiscal year 2024 [2] Group 2 - Visa Direct also serves other applications, such as paying gig economy workers and providing instant withdrawal options for cryptocurrency exchange customers [2] - This service is a cornerstone of Visa's strategy to expand beyond traditional credit card business into inter-business payment sectors [2] - The lucrative business of Visa Direct faces intense competition, with banks like JPMorgan developing blockchain-based products to offer faster payment solutions for corporate clients [2]

当地时间8月4日，跨国金融服务公司维萨（Visa）宣布进一步扩展其稳定币结算能力，通过整合数字资 产和区块链技术，增强其在全球支付系统中的作用。这一举措不仅反映了Visa对稳定币和数字资产市场 的重视，也标志着其支付平台在多币种和多链支持方面的持续创新。 拓展合作空间 据悉，Visa与金融科技公司Paxos合作推出了两种新的美元支持稳定币——全球美元（USDG）和PayPal 美元（PYUSD）。稳定币是与法定货币（如美元、欧元等）挂钩的数字货币，其价值通常保持稳定， 不受市场波动影响。USDG和PYUSD都是与美元1:1挂钩的稳定币，旨在为跨境支付提供更加高效、安 全的解决方案。 在传统金融支付系统中，跨境支付常常面临速度慢、成本高、手续繁琐等问题。稳定币的引入为跨境支 付提供了新的解决思路，通过区块链技术，实现了实时结算和更低的交易费用。Visa希望通过此举增强 其支付平台的多样性，并为全球企业和消费者提供更多的稳定币支付选项，进一步推动数字资产在全球 金融体系中的普及。 Visa全球增长产品与战略合作伙伴负责人鲁拜尔·比尔瓦德克（Rubail Birwadker）表示："Visa正在建立 一个多币种和多 ...

值得关注的是，当地时间周四，稳定币发行商Circle在纽交所上市交易，成为稳定币领域首家上市公司。当 天，Circle股价高开高走，盘中涨幅一度达到235%，并多次因股价波动过大而触发熔断。截至当天收盘， Circle上涨168%，市值达184亿美元。 另外，周五美股盘前，Circle股价再度大涨，涨幅一度超过20%。若以此计算，Circle的最新股价较发行价已暴 涨超220%。 稳定币，最近有点火！ 据最新消息，6月6日，香港特区政府于宪报刊登《稳定币条例（生效日期）公告》，指定8月1日为《稳定币条 例》开始实施的日期。据悉，该条例的主要目的是监管涉及稳定币的活动，并于香港就受规管稳定币活动设立 发牌制度。 上市疯涨 香港财经事务及库务局局长许正宇表示："《条例》生效后，该发牌制度将为相关的稳定币活动提供适切规 范，是促进香港的稳定币和数码资产生态圈可持续发展的里程碑。" 香港金融管理局总裁余伟文此前也曾表示，"《条例》建立了一个风险为本、务实和灵活的监管制度。相信稳 健和适切的监管环境可以创造有利条件，支持香港稳定币以至数码资产生态圈的健康、负责任和可持续发 展。" 中信建投表示，《稳定币条例》标志着全球 ...