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PayPal对加密技术的发展感到满意,但希望扮演CBDC钱包的角色

2021-8-2 17:12

在过去的几次收益电话会议上,PayPal首席执行官丹·舒尔曼(Dan Schulman)一直非常看好PayPal在加密货币方面的进展。在昨天的电话会议上,他概述了一些新的加密货币功能,但大部分时间都在谈论央行数字货币(cbdc)。


他指出了钱包对cbdc的重要性,以及围绕它们建立的新的低成本支付基础设施。最终,贝宝是世界上最大的钱包提供商之一。


去年,PayPal使美国客户能够购买加密货币。3月下旬,它允许用户使用加密货币,也就是所谓的“用加密货币购买”。他提到他们正在英国推广这项服务。

丹·舒尔曼的文字摘录

Cryptocurrency


好吧,我们继续对我们在加密技术上看到的势头感到非常高兴。很明显,我们在其中添加了增量功能。你可能看到我们把上限提高到每周10万美元了。我们正处于一些开放银行集成的中心,这将增加完全集成到ACH的能力,并更快地进行支付。


我们可能下个月就会在英国推出。在那里开展交易。我们现在正在做转移到第三方钱包的工作。我们真的想确保我们为税收和税务报告创造一个非常无缝的过程。因此,我们正在研究如何将其整合到我们平台上的交易和“用加密货币购买”中。

CBDC


但我要说的是,所有这些都很有趣。但这是主要的,就我们试图用区块链和数字货币业务部门做什么来说。很明显,我们在思考下一代金融体系是什么样子的。我们如何帮助塑造它。


我们正在与世界各地的监管机构和央行合作。正在关注cbdc、央行发行的数字货币的国家数量正在迅速增加。六个月,一年前,你在40个国家。现在几乎有100个国家在关注它。


很明显,我们有机会考虑一种新的基础设施,它可以更高效,成本更低,可以进行交易,还可以比现在更快地把钱送到人们手中。我的意思是,有一天,我从一家银行向另一家银行发送电子转账,那家银行告诉我,需要三天时间才能收到我发送的电子转账中的钱。这太疯狂了。它必须是即时的。


政府有很多的愿望去思考如何创造一个更有效的系统使用新技术将更多的公民,更多的银行不足的,服务不足的公民引入金融系统。因为他们比那些完全依靠我们高收入水平的银行存款的人支付更高的利率。


数字钱包和央行发行的数字货币之间有很多联系。想象一下,不需要发送刺激支票,而是直接将其发送到一个数字钱包中,你可以立即收到它。你不需要去支票兑现地点兑换,也不需要为兑换收取费用。这样做有很多好处还有支付的效用。

智能合约和DeFi


我们如何更有效地使用智能合约?我们如何将资产数字化,并将其开放给那些之前可能没有接触过的消费者呢?还有一些有趣的去中心化金融应用程序。

招聘


所以我们非常努力地工作,顺便说一下,你们可能已经看到了,我们正在努力挑选生态系统中最优秀的人才来PayPal工作。我们有一份名单和电话号码,我们正在缓慢但坚定地建立一个团队,我认为它将真正塑造围绕这个问题的思维过程。我对早期的回报很满意。

In the last couple of earnings callsPayPal CEO Dan Schulman has been very bullish on the progress of PayPal with cryptocurrencies. In yesterday’s call, he outlined some new cryptocurrency features but spent most of the time talking about central bank digital currencies (CBDCs). 

He noted the importance of wallets for CBDCs and the new low cost payment infrastructure that will be built around them. And ultimately, PayPal is one of the world’s largest wallet providers. 

Last year PayPal enabled U.S. customers to buy cryptocurrencies. In late March, it enabled users to spend their cryptocurrencies, so-called ‘buy with crypto’. He mentioned they are rolling out the service in the UK.

Dan Schulman transcript excerpt

Cryptocurrency

Well, we continue to be really pleased with the momentum we’re seeing on crypto. And we’re obviously adding incremental functionality into that. You probably saw we increased limits to $100,000 a week. We’re right in the middle of some open banking integration, which will increase the ability to fully integrate into ACH and do faster payments.

We’re going to launch, hopefully, maybe even next month in the UK. Open up trading there. We’re working right now on transfers to third party wallets. And we really want to make sure that we create a very seamless process for taxes and tax reporting. And so, we’re really looking at how do we integrate that into both the trading and the ‘buy with crypto’ on our platform.

CBDC

But I will say this, all of that is interesting. But it is in the main course, in terms of what we are trying to do with our blockchain and digital currency business unit. We are clearly thinking about what the next generation of the financial system looks like. How we can help shape that. 

We are working with regulatory agencies, central banks across the world. The number of countries that are looking at CBDCs, central bank issued digital currencies is increasing rapidly. You’re like at 40 countries six months, a year ago. You’re almost up to 100 countries looking at it right now.

And clearly there is an opportunity to think about a new infrastructure that can more efficiently, that could be a lower cost, do transactions and also get money to people much faster than happens today. I mean, the other day, I sent an EFT from one bank to another bank, and that bank told me it would take three days to access that money in the EFT I sent. That’s crazy. It needs to be instantaneous. 

And there is a lot of desire by governments to really think how can you create a more efficient system using new technology to bring in more citizens, more underbanked, underserved citizens into the financial system. Because they disproportionately pay a higher take rate than those who are fully banked to our higher income levels. 

And there’s a lot of connections between digital wallets and central bank issued digital currencies. Imagine not having to send out stimulus checks but sending those directly into a digital wallet where you instantaneously receive it. And you don’t have to go to a check cashing location and exchange that and get charged for that exchange. There’s just so many benefits to that as well as just plain utility to payments.

Smart contracts & DeFi

How can we use smart contracts more efficiently? How can we digitize assets and open those up to consumers that may not have had access to that before? There are some interesting DeFi (decentralized finance) applications as well. 

Hiring

And so we are working really hard, and by the way, as you probably have seen, we are trying to pick off the very best talent in the ecosystem to come work here at PayPal. We have a list of names and phone numbers and we are slowly but surely building a team that I think it’s going to really shape the thought process around this. And I’m really pleased with at least the early returns on that.


来自: Ledger Insights