找回密码
 立即注册
首页 区块链新闻 查看内容
  • QQ空间

Visa:用于初创公司资金的稳定币,未来会支持本地加密吗?

2021-9-4 11:10

 

Visa加密货币副总裁Cuy Sheffield表示,一些初创公司已经开始使用稳定币来运营自己的公司,避免使用银行账户。他认为,随着时间的推移,非加密企业也会将稳定币用于企业财务。Sheffield是在韩国Upbit开发者大会上发表上述言论的。

稳定币而不是银行账户


某些投资加密货币公司的风险投资公司使用稳定币转移资金。这并不是一个微不足道的数目。根据毕马威(KPMG)的数据,加密货币和区块链公司在2021年上半年筹集了87亿美元,尽管我们不知道以稳定币形式融资的比例。


这些加密本地初创公司然后使用稳定币向远程员工和供应商支付工资。


谢菲尔德说:“因此,整个循环经济正在兴起,稳定币正在成为新一代加密货币开发商和初创公司的财政基础设施。”


“这些公司规模虽小,但发展迅速。我们认为,随着时间的推移,将会有越来越多的产品让非加密企业更容易地整合稳定币,尤其是用于B2B支付。”


去年3月,Ledger Insights发表了一篇类似的文章,称多数企业财务主管不会在资产负债表上持有比特币。但加密贷款使稳定币产生了新的高生息存款,尽管并非完全没有风险。就在那篇文章发表5个月后,英国企业财务主管协会(Association of Corporate treasers)将举办一场关于加密货币和数字资产的活动。

签证和CBDC


回到谢菲尔德的演讲,他谈到了Visa如何与央行进行对话,以及他们正在探索的央行数字货币(CBDC)的未来验证用例。


谢菲尔德说:“从长远来看,这不仅仅是消费者如何使用CBDC购买他们的咖啡。”“这是消费者如何使用CBDC在一些我们甚至无法想象5年后的元宇宙体验中购买非功能性功能。”


“我们认为,这需要整个公共部门和私营部门共同努力,想出这些新的创新解决方案,将法币带入数字时代。”这也解释了为什么韩国选择开发Klaytn公众许可区块链的Ground X来开发CBDC。

支持Visa和本地加密


在问答环节,Sheffield被问及Visa是否会支持加密货币。


它已经向许多加密货币平台提供了Visa卡,使加密货币持有者能够使用加密货币在零售网点进行支付。然而,在这些情况下,加密货币交易所处理交易的加密货币方面。Visa只处理法定货币。


然而,Visa支付网络已经支持USDC稳定币进行结算,并且它与加密托管银行Anchorage有着密切的关系。谢菲尔德对这个问题的回答是,Visa会去有需求的地方,目前的需求是稳定币。


“但我们认为,随着时间的推移,我们已经启用的基础设施以及我们与安克雷奇的整合,我们绝对可以支持其他稳定币、其他加密货币,”谢菲尔德说。“所以我们真正关注的是客户需求最大的地方。然后确保我们支持的任何东西都符合当地法规和规定。”

 

Cuy Sheffield, Cryptocurrency VP at Visa, says that some startups already run their companies using stablecoins, eschewing bank accounts. He believes over time non crypto businesses will use stablecoins for corporate treasury as well. Sheffield was talking during Korea’s Upbit Developer Conference.

Stablecoins instead of bank accounts

Certain venture capital firms that invest in cryptocurrency companies transfer that funding using stablecoins. And that’s not an insignificant amount. According to KPMG, crypto and blockchain firms raised $8.7 billion in the first half of 2021, although we don’t know what proportion was funded in the form of stablecoins.

These crypto native startups then use the stablecoins to pay remote employees and vendors.

“So there’s this whole circular economy that’s emerging where stablecoins are becoming this treasury infrastructure for a new generation of crypto developers and startups,” said Sheffield.

“These companies are small, but they’re growing quickly. And we think over time there are going to be more and more products that make it easy for non crypto businesses to incorporate stablecoins, particularly for B2B payments.”

On a similar note, in March last year, Ledger Insights wrote about how most corporate treasurers won’t hold Bitcoin on their balance sheets. But crypto lending has enabled new high interest-bearing deposits on stablecoins, albeit not entirely risk free. Just five months after that article, the UK’s Association of Corporate Treasurers will be running an event about cryptocurrencies and digital assets.

Visa and CBDC

Back to Sheffield’s talk, and he spoke about how Visa is talking to central banks and the future proofing use cases they’re exploring with central bank digital currencies (CBDC).

“If you’re taking a long term perspective, it’s not just how can a consumer use CBDC to buy their coffee,” said Sheffield. “It’s how can a consumer use CBDC to purchase an NFT in some metaverse experience that we can’t even imagine five years from now.” 

“We think that’s going to take the entire public and private sectors working together to come up with these new innovative solutions and bring fiat currencies into the digital age.” It also explains why Korea chose Ground X, which developed the Klaytn public permissioned blockchain to work on its CBDC.

Visa & native crypto support

During the Q&A, Sheffield was asked whether Visa would natively support cryptocurrencies. 

It already provides numerous cryptocurrency platforms with Visa cards that enable crypto holders to pay at retail outlets using crypto. However, in these cases, the cryptocurrency exchange deals with the cryptocurrency side of the transactions. Visa deals with fiat currencies only. 

However, the Visa payments network already supports the USDC stablecoin for settlement, and it has a close relationship with crypto custody bank Anchorage. Sheffield responded to the question by saying Visa will go where there’s demand, and currently, that demand is for stablecoins.

“But we think over time, the infrastructure we’ve enabled and our integration with Anchorage, we could absolutely support other stablecoins, other cryptocurrencies,” said Sheffield. “So we’re really focused on where are we seeing the most client demand. And then making sure that whatever we’re supporting meets the local regulations and rules.”

 

来自: Ledger Insights