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Visa与高盛签署B2B Connect协议,首席执行官概述数字货币战略

2021-1-30 14:43

 

昨天在Visa第一季度财报电话会议上,首席执行官Al Kelly谈到了基于区块链的Visa B2B Connect解决方案,并概述了其数字货币战略。


有消息称,高盛(Goldman Sachs)已签约使用Visa B2B Connect,该网站连接了80个市场。Visa B2B Connect是一种用于跨境支付的企业支付解决方案,旨在通过使用Visa网络来避开SWIFT和代理银行。它的目标是那些不是即时支付、但根据“反洗钱”程序在一至两天内结算的大额款项。该解决方案包含一个数字身份令牌,其中包括银行信息。FIS已与网络集成。

电子货币


凯利谈到了数字货币,他将其分为两个桶,加密货币与稳定币和中央银行数字货币(CBDC)等支付代币。他不认为加密货币会被用于支付,但相反,Visa提供了用于投资的卡,并声称在这里有一个显著的渗透。


就稳定币和CBDC而言,他认为这只是该公司将支持的另一种支付网络。


下面是Al Kelly对数字货币的评论。


人们对数字货币的兴趣越来越大。我想花点时间谈谈Visa对加密的总体看法以及我们的方法。在这个领域,我们看到了为生态系统增加不同价值的方法。我们相信,通过我们的全球业务、合作方式和值得信赖的品牌,我们在帮助加密货币更安全、有用和适用于支付方面具有独特的地位。


我们认为加密市场分为两个部分。首先,有代表新资产的加密货币,如比特币。第二,由现有法定货币直接支持的数字货币或稳定币。我们认为第一部分的所有货币都是数字黄金。它们主要是作为资产持有的,在这一点上没有被用作一种重要的支付形式。


我们的策略是与钱包和交易所合作,让用户能够使用他们的Visa凭证购买这些货币,或者在全球接受Visa的7000万商家中任何一家兑现Visa凭证购买菲亚特。这类似于我们连接LINE Pay和Paytm等闭环钱包的方法。


在第二部分,法币支持的数字货币,包括稳定币和央行数字货币,是一种新兴的支付创新,可能像任何其他法币一样,有潜力用于全球商业。我们认为在公共区块链上运行的数字货币是额外的网络,就像RTP或ACH网络一样。但我们把它们视为我们网络战略的一部分。


在这两个领域,我们都是这一领域的领导者。如今,35家领先的数字货币平台和钱包已经选择发行Visa,包括Coinbase、crypto.com、BlockFi、Fold和Bitpanda。这些钱包关系代表了超过5000万份签证证书的潜力。下一个领先的网络只是其中的一小部分。


当然,如果某种特定的数字货币已经成为一种公认的交易手段,我们也没有理由不把它添加到我们的网络中,我们的网络目前已经支持超过160种货币。

 

Yesterday during Visa’s first-quarter earnings call, CEO Al Kelly spoke about its blockchain-based Visa B2B Connect solution and outlined its digital currency strategy.

The news is that Goldman Sachs has signed on to use Visa B2B Connect, which links with 80 markets. Visa B2B Connect is a corporate payment solution for cross border payments intended to sidestep SWIFT and correspondent banking by using the Visa network instead. It targets high-value payments that aren’t instant but settle within one to two days, subject to AML procedures. The solution incorporates a digital identity token that includes banking information. FIS has integrated with the network.

Digital currencies

Kelly spoke about digital currencies, which he separated into two buckets, cryptocurrencies versus payment tokens such as stablecoins and central bank digital currencies (CBDC). He doesn’t see cryptocurrencies as being used for payments, but instead, Visa provides its cards to be used as on and off ramps for investments and claims to have a significant penetration here.

In terms of stablecoins and CBDC he envisions these simply being another type of payments network that the firm will support.

Below is a transcript of Al Kelly’s digital currency comments.

There’s a growing interest in digital currencies. And I wanted to take a minute to talk about how Visa thinks about crypto in general and our approach. In this space, we see ways that we can add differentiated value to the ecosystem. And we believe that we are uniquely positioned to help make cryptocurrencies more safe, useful, and applicable for payments through our global presence, our partnership approach, and our trusted brand.

We think of the crypto market in two segments. First, there are cryptocurrencies that represent new assets, such as Bitcoin. Secondly, digital currencies or stablecoins that are directly backed by existing fiat currencies. We see all currencies in that first segment as digital gold. They are predominantly held as assets that are not used as a form of payment in a significant way at this point.

Our strategy here is to work with wallets and exchanges to enable users to purchase these currencies using their Visa credentials or to cash out onto a Visa credential to make a fiat purchase at any of the 70 million merchants where Visa is accepted globally. This is similar to our approach to connect with closed loop wallets such as LINE Pay and Paytm.

For the second segment, fiat-backed digital currencies, including stablecoins and central bank digital currencies, these are an emerging payments innovation that could have the potential to be used for global commerce, much like any other fiat currency. We think of digital currencies running on public blockchains as additional networks, just like RTP or ACH networks. But we see them as part of our network of network strategy.

Across both of these segments, we are the clear leader in this space. Today, 35 of the leading digital currency platforms and wallets have already chosen to issue Visa, including Coinbase, crypto.com, BlockFi, Fold and Bitpanda. These wallet relationships represent the potential for more than 50 million Visa credentials. The next leading network has a fraction of that.

And it goes without saying to the extent a specific digital currency becomes a recognized means of exchange, there’s no reason why we cannot add it to our network, which already supports over 160 currencies today.

来自: Ledger Insights