找回密码
 立即注册
首页 区块链新闻 查看内容
  • QQ空间

万事达卡财报电话会议:尚未原生支持稳定币

2021-8-2 17:17


在昨天的财报电话会议上,万事达卡首席执行官迈克尔·米巴赫澄清了公司在数字货币方面的立场。上周,它宣布与稳定币公司Paxos和Circle达成协议。此前,万事达卡曾表示可能原生支持稳定币作为结算货币。然而,“可能”一词仍被使用到米巴赫昨日言论的结尾,发出了略微复杂的信号。


因此,目前似乎还没有一个明确的决定,这可能与监管透明度的需要有关。与此同时,技术集成似乎正在进行中。Miebach表示,该信用卡公司只会与符合监管规定、为消费者提供保护、稳定的稳定币合作。


与Paxos和Circle合作的目的是让加密货币用户能够兑现。他们出售加密货币换取稳定币。稳定币提供商将其转换为万事达的法币。


miiebach还简要介绍了央行数字货币(CBDC)。万事达卡虚拟测试基础设施使各国央行能够在使用现有金融基础设施的同时尝试设计选择。


在加密货币方面,万事达卡为加密货币交换客户提供信用卡。它仍然没有计划原生支持加密货币结算。在过去三周,使用万事达卡购买加密货币的情况有所放缓。Visa也有类似报道。


还有一件事尚不清楚,那就是与以太坊软件公司ConsenSys合作的性质。昨天,米巴赫表示,合作伙伴关系将“加速为我们的客户开发加密应用和服务”。然而,万事达卡在4月份宣布与ConsenSys的合作关系时,更关注的是企业区块链。


万事达卡最近推出了区块链和数字资产的加速计划。

Michael miiebach数字货币评论文字记录:

在开场白:


在加密货币方面,我们正在与Paxos、Circle和Evolve Bank & Trust进行试点,使加密货币钱包更容易无缝连接到我们的网络,这简化了加密货币到法定货币的转换。另外,我们正在与以太坊软件工程公司ConsenSys合作,以加快为我们的客户开发加密应用和服务。

回答分析师的问题:


这显然是一个充满活力的数字货币领域。让我回到我们之前讨论过的内容,我们说过这里大致有三种不同的类别。这是中央银行的数字货币,还有私营部门的稳定币和浮动加密货币。


所以我们告诉你们,我们想要在所有这些方面发挥作用。我们还在第一季度的电话会议上表示,就稳定币而言,我们正准备从技术上使我们的网络能够将这些稳定币作为结算货币,只要它们满足我们的三个标准,即合规、消费者保护和稳定性。


所以这些都没有改变。让我来告诉你自从那次谈话之后发生了什么。因此,在央行数字货币方面,事情肯定在继续向前发展。你可以看到很多中央银行都在研究这个问题。


欧洲央行最近宣布,经过一段时间的行业磋商后,他们将实际推进数字欧元。此时此刻,英国央行(boe)正处于与行业接触的时期。因此,取得了明显的进展。


在这个领域,我们对央行和政府的价值主张是什么?首先,我们给市场带来一个独特的视角,这些球员,作为multi-rail提供者,因为所有这些国家必须做出取舍,什么是我现有的金融系统交付,我现有的金融基础设施,以及其他中央银行数字货币解决?每个人都有不同的动机,从金融包容性到跨境支付。因此,我们是受欢迎的派对,因为我们在这方面都有经验。


我认为这里一个特别关键的命题是我们的虚拟测试平台。因为所有这些政府必须做出的设计选择以及我们向他们咨询的选择,将不得不在野外生存,可以这么说。他们必须与现有的金融基础设施合作,这就是我们的虚拟测试平台为他们所做的。这就是现阶段中央银行的主张。


在私营部门稳定币方面,除了我们与私营部门参与者以及监管机构就私营部门稳定币的良好政策进行接触之外,没有什么不同。因为这个关于法规遵从性的问题仍然没有解决。监管机构确实需要介入,我们是对话的一部分。

在浮动加密货币方面,货币稳定性的问题并没有得到解决。所以我们不会让它在我们的网络上作为结算货币。


但很明显,人们想在这方面投资。他们想要出售他们的投资,我们将尽可能地简化这一过程。所以我们有很多合作伙伴。


我们上周的声明是这样的。也就是说,数字货币钱包通常更喜欢使用加密货币,因为这些交易是买卖投资。这就是我们与Paxos合作的地方。是我们的合作伙伴允许数字钱包保持加密,因为他们与Paxos进行结算,然后Paxos与我们进行法定结算。对于我们来说,这是一个过渡步骤,因为当我们达到一个点,我们可能会使稳定币在我们的网络本身。


这就是我们现在的工作,我们在各个方面都扮演着重要的角色。这是一个相关的技术。作为一家多轨道公司,我们必须进入这个领域,因为人们正在寻找答案。

During yesterday’s earnings call, Mastercard CEO Michael Miebach clarified the company’s position on digital currencies. Last week it announced a deal with stablecoin firms Paxos and Circle. Previously, Mastercard had stated it may natively support stablecoins as settlement currencies. However, the term “might” was still used towards the end of Miebach’s comments yesterday giving slightly mixed signals. 

So it seems there is not yet a definitive decision, perhaps relating to the need for regulatory clarity. In the meantime, it seems technical integration is a work in progress. Miebach stated the card firm would only work with stablecoins that are regulatory compliant, provide consumer protection, and are stable.

The purpose of the relationships with Paxos and Circle is to enable cryptocurrency users to cash out. They sell their cryptocurrencies for stablecoins. And the stablecoin providers convert it to fiat for Mastercard.

Miebach also briefly spoke about central bank digital currencies (CBDC). The Mastercard virtual test infrastructure enables central banks to trial design choices while still working with the existing financial infrastructure.

On the topic of cryptocurrencies, Mastercard provides cryptocurrency exchange customers with cards. It still has no plans to natively support cryptocurrencies for settlement. In the last three weeks, it’s seen a slowdown in the purchase of cryptocurrencies using Mastercard. Visa reported something similar.

One thing that’s still unclear is the nature of the collaboration with Ethereum software firm ConsenSys. Yesterday, Miebach stated the partnership would “accelerate the development of crypto applications and services to our customers”. However, the Mastercard announcement about the ConsenSys partnership in April focused more on enterprise blockchain.

Mastercard recently launched an accelerator program for blockchain and digital assets.

Transcript of Michael Miebach digital currency comments:

During introductory remarks:

In terms of cryptocurrency, we’re making it easier for cryptocurrency wallets to connect seamlessly to our network through a pilot with Paxos, Circle and Evolve Bank & Trust, which simplifies the conversion of crypto into fiat. Separately, we’re partnering with ConsenSys, the Ethereum software engineering firm, to accelerate the development of crypto applications and services to our customers. 

Responding to an analyst question:

It’s obviously a vibrant space around digital currencies. Let me go back to what we discussed in the previous call, where we said there’s broadly three different categories that are at play here. Which is the central bank digital currencies and there’s private sector stablecoins and there is floating cryptos. 

So we told you that we want to be playing a role across all of them. We also said in the first-quarter call that as far as stablecoins are concerned, we are getting ready to technologically enable our network to carry these stablecoins as settlement currencies provided they meet all three of our criteria, which is regulatory compliance, consumer protection and stability.

So none of that has changed. Let me just give you a view on what has happened since we had that conversation. So on the central bank digital currency front, things are definitely continuing to move forward. You see a lot of central banks engaged on the topic.

The ECB has just recently announced that they will actually move forward with the digital euro after a period of industry consultation. The Bank of England is in its period of industry engagement at this point, right now. So there is clear progress. 

What is our value proposition to central banks and the government in this space? First of all, we bring a unique perspective to the market, to these players, as a multi-rail provider because all these countries have to make the trade-off, what is my existing financial system delivering, my existing financial infrastructure, and what else is the central bank digital currency solving for? Everybody has different motivations ranging from financial inclusion to cross border payments. And hence, we’re a sought after party because we have experience in all of that.

I think a particularly critical proposition here is our virtual test platform. Because all of these design choices that governments have to make and that we consult them on, will then have to live in the wild, so to say. They’ve got to work with the existing financial infrastructure, and that’s what our virtual test platform does for them. So that’s the proposition at this stage for central banks.

On the private sector stablecoins, nothing much different other than us engaging with private sector players as well as regulators on what does good policy look like around private sector stablecoins. Because this question about regulatory compliance is still unresolved. The regulators do need to weigh in and we’re a part of that dialogue. 

On floating cryptos, here, the point of currency stability is not solved. So we won’t be enabling that as settlement currency on our network.

But clearly, people want to invest in that. And they want to sell their investments, and we’re going to make this as easy as possible. So we have all these partnerships out there. 

Now, here’s the thing with our announcement last week. And that is that digital currency wallets out there oftentimes prefer to stay in crypto as these transactions are selling and buying of investments. And here’s where our partnerships, for example, with Paxos come in. It is our partner that allows the digital wallet to stay in crypto as they settle with Paxos and then Paxos settles with us in fiat. That’s an interim step for us, as and when we reach the point that we might be enabling stablecoins on our network itself.

So that’s kind of where we are, playing a role across the board. This is a relevant technology. As a multi-rail player, we got to be in this space because people are looking for answers.


来自: Ledger Insights