<p>随着 PYUSD 和 RLUSD 的表现亮眼，稳定币正在以前所未有的方式移动。再加上 USDC 在各区块链上的活动差距扩大，市场显然充满活力。</p>
<p>西联汇款的下一步是保护人们免受通货膨胀的影响。</p>
<p>在瑞银全球科技与人工智能大会上，首席财务官 Matthew Cagwin 确认公司正在开发一款预付费稳定币卡，旨在为当地货币快速贬值的国家提供服务。</p>
<p>这个想法是给用户提供一种持有与美元挂钩的价值的方式，而不是看着他们的储蓄贬值。</p>
<p>在阿根廷等地，去年通货膨胀率超过 200%，这样的产品可以带来改变。西联汇款还准备在 2026 年初在 Solana 上推出自己的美元支持稳定币 USDPT。</p>
<h2>更大的图景</h2>
<p>这一推动正值稳定币扩展速度空前之际。</p>
<p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/G7lqZMjXYAAuc9J.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/G7lqZMjXYAAuc9J.jpg"/></p>
<p>来源：X</p>
<p>PayPal 的 PYUSD 在 Solana 上的供应量从年初的约 2.5 亿美元激增至超过 10 亿美元，增长了 4 倍！</p>
<p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/G7loi9NXAAAcU9E.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/G7loi9NXAAAcU9E.jpg"/></p>
<p>来源：X</p>
<p>Ripple 的 RLUSD 同样快速增长，目前流通供应量约为 11 亿美元。对美元支持资产的需求在不同网络上不断上升，金融科技巨头们也在跟随这一趋势。</p>
<p>AMBCrypto 此前报道，国际货币基金组织警告称，这一快速扩张可能带来意想不到的后果，指出美元支持的稳定币已经控制了 99.7% 的供应，并可能引发高达 1 万亿美元的资本外流。</p>
<p>国际货币基金组织补充说，稳定币 “是去中心化的对立面”，因为它们依赖于对发行者的信任而非代码。随着主要公司进入这一领域，这一担忧再次浮现。</p>
<h2>USDC — 相同但不同</h2>
<p>然而，当你观察美元币（USDC）在链间的实际流动时，需求的变化变得更加明显。图表显示以太坊（ETH）上的平均转账约为 10 万美元。</p>
<p>这意味着大型交易者、机构和链上企业主导了那里的活动。</p>
<p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/G7lWEQDWgAAgQfX.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/G7lWEQDWgAAgQfX.jpg"/></p>
<p>来源：X</p>
<p>在 Polygon 上，平均转账金额更接近 500 美元，涉及日常支付、微交易和消费者级别的使用。虽然是同样的美元，但却是两个完全不同的经济体。</p>
<p>显然，稳定币正在细分。任何试图为全球用户构建的公司都需要在大额资金流动和日常消费之间找到平衡。</p>
<hr/>
<h2>最后思考</h2>
<ul>
<li><em>西联汇款的稳定币卡可以保护高通胀国家的用户，提供美元支持的储蓄。</em></li>
<li><em>稳定币正在快速细分，服务于微交易和机构资金流动。</em></li>
</ul>

西联汇款

<p>西联汇款正在开发一种预付费稳定币卡，以帮助阿根廷等高通胀国家的用户通过持有与美元挂钩的价值来保护他们的储蓄。该公司计划在 2026 年在 Solana 上推出自己的美元支持稳定币 USDPT。这一举措是在稳定币快速扩张的背景下进行的，国际货币基金组织对新兴市场可能出现的资本外流表示担忧</p>

<p>As PYUSD and RLUSD put up big numbers, stablecoins are moving in unprecedented ways. Add to that the widening gap in USDC activity across blockchains, and it’s clear that the market is alive.</p>
<div class="lb-trans"><p>随着 PYUSD 和 RLUSD 的表现亮眼，稳定币正在以前所未有的方式移动。再加上 USDC 在各区块链上的活动差距扩大，市场显然充满活力。</p>
</div><p>Western Union’s next move is about protecting people from inflation.</p>
<div class="lb-trans"><p>西联汇款的下一步是保护人们免受通货膨胀的影响。</p>
</div><p>At the UBS Global Technology and AI Conference, CFO Matthew Cagwin confirmed that the company is developing a prepaid stablecoin card designed for countries where local currencies lose value quickly.</p>
<div class="lb-trans"><p>在瑞银全球科技与人工智能大会上，首席财务官 Matthew Cagwin 确认公司正在开发一款预付费稳定币卡，旨在为当地货币快速贬值的国家提供服务。</p>
</div><p>The idea is to give users a way to hold USD-pegged value instead of watching their savings erode.</p>
<div class="lb-trans"><p>这个想法是给用户提供一种持有与美元挂钩的价值的方式，而不是看着他们的储蓄贬值。</p>
</div><p>In places like Argentina, where inflation surged past 200% last year, a product like this can make a difference. Western Union is also preparing to launch its own USD-backed stablecoin, USDPT, on Solana in early 2026.</p>
<div class="lb-trans"><p>在阿根廷等地，去年通货膨胀率超过 200%，这样的产品可以带来改变。西联汇款还准备在 2026 年初在 Solana 上推出自己的美元支持稳定币 USDPT。</p>
</div><h2>The bigger picture</h2>
<div class="lb-trans"><h2>更大的图景</h2>
</div><p>This push comes at a time when stablecoins are expanding faster than ever.</p>
<div class="lb-trans"><p>这一推动正值稳定币扩展速度空前之际。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/G7lqZMjXYAAuc9J.jpg" alt="" original-src="https://ambcrypto.com/wp-content/uploads/2025/12/G7lqZMjXYAAuc9J.jpg"/></p>
<p>Source: X</p>
<div class="lb-trans"><p>来源：X</p>
</div><p>PayPal’s PYUSD supply on Solana has surged from roughly $250 million at the start of the year to more than $1 billion, a 4x increase!</p>
<div class="lb-trans"><p>PayPal 的 PYUSD 在 Solana 上的供应量从年初的约 2.5 亿美元激增至超过 10 亿美元，增长了 4 倍！</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/G7loi9NXAAAcU9E.jpg" alt="" original-src="https://ambcrypto.com/wp-content/uploads/2025/12/G7loi9NXAAAcU9E.jpg"/></p>
<p>Source: X</p>
<div class="lb-trans"><p>来源：X</p>
</div><p>Ripple’s RLUSD is growing just as quickly, now sitting at around $1.1 billion in circulating supply. Demand for dollar-backed assets is rising across different networks, and fintech giants are following the light.</p>
<div class="lb-trans"><p>Ripple 的 RLUSD 同样快速增长，目前流通供应量约为 11 亿美元。对美元支持资产的需求在不同网络上不断上升，金融科技巨头们也在跟随这一趋势。</p>
</div><p>AMBCrypto previously reported that the IMF warned this rapid expansion may come with unintended consequences, noting that U.S. dollar-backed stablecoins already control 99.7% of supply and could trigger up to $1 trillion in capital outflows from emerging markets.</p>
<div class="lb-trans"><p>AMBCrypto 此前报道，国际货币基金组织警告称，这一快速扩张可能带来意想不到的后果，指出美元支持的稳定币已经控制了 99.7% 的供应，并可能引发高达 1 万亿美元的资本外流。</p>
</div><p>The IMF added that stablecoins “are the antithesis of decentralization,” since they rely on trust in issuers rather than code. This concern is now resurfacing as major companies enter the space.</p>
<div class="lb-trans"><p>国际货币基金组织补充说，稳定币 “是去中心化的对立面”，因为它们依赖于对发行者的信任而非代码。随着主要公司进入这一领域，这一担忧再次浮现。</p>
</div><h2>USDC — Same, but different</h2>
<div class="lb-trans"><h2>USDC — 相同但不同</h2>
</div><p>The change in demand, however, becomes clearer when you look at how USD Coin [USDC] actually moves across chains. The chart shows the average transfer on Ethereum [ETH] is roughly $100,000.</p>
<div class="lb-trans"><p>然而，当你观察美元币（USDC）在链间的实际流动时，需求的变化变得更加明显。图表显示以太坊（ETH）上的平均转账约为 10 万美元。</p>
</div><p>This means that large traders, institutions, and on-chain businesses dominate activity there.</p>
<div class="lb-trans"><p>这意味着大型交易者、机构和链上企业主导了那里的活动。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2025/12/G7lWEQDWgAAgQfX.jpg" alt="" original-src="https://ambcrypto.com/wp-content/uploads/2025/12/G7lWEQDWgAAgQfX.jpg"/></p>
<p>Source: X</p>
<div class="lb-trans"><p>来源：X</p>
</div><p>On Polygon, that average is closer to $500, with everyday payments, micro-transactions, and consumer-level usage. It’s the same dollar, but two completely different economies.</p>
<div class="lb-trans"><p>在 Polygon 上，平均转账金额更接近 500 美元，涉及日常支付、微交易和消费者级别的使用。虽然是同样的美元，但却是两个完全不同的经济体。</p>
</div><p>It’s obvious that stablecoins are segmenting. Any company trying to build for global users will need to meet both the big-money flows and the day-to-day spenders where they are.</p>
<div class="lb-trans"><p>显然，稳定币正在细分。任何试图为全球用户构建的公司都需要在大额资金流动和日常消费之间找到平衡。</p>
</div><hr/>
<div class="lb-trans"><hr/>
</div><h2>Final Thoughts</h2>
<div class="lb-trans"><h2>最后思考</h2>
</div><ul>
<li><em>Western Union’s stablecoin card could protect users in high-inflation countries with USD-backed savings.</em></li>
<li><em>Stablecoins are rapidly segmenting, serving both micro-transactions and institutional flows.</em></li>
</ul>
<div class="lb-trans"><ul>
<li><em>西联汇款的稳定币卡可以保护高通胀国家的用户，提供美元支持的储蓄。</em></li>
<li><em>稳定币正在快速细分，服务于微交易和机构资金流动。</em></li>
</ul>
</div>

西联汇款的稳定币卡如何在通货膨胀率高达 200% 的国家中发挥作用？