花旗与Coinbase合作构建企业稳定币基础设施
Citi and Coinbase Working Together To Build Stablecoin Infrastructure for Businesses
传统顶级银行与头部交易所建立实质性稳定币业务通道，标志着机构级加密支付基础设施的落地，关注其对跨境支付及商户收单模式的长期影响。
Bitcoin Magazine
比特币杂志
Citi and Coinbase Working Together To Build Stablecoin Infrastructure for Businesses
花旗与Coinbase合作为企业构建稳定币基础设施
Citigroup is working with America’s biggest crypto exchange, Coinbase, in its latest blockchain-based venture.
花旗集团正在与其最大的加密货币交易所Coinbase合作，开展其最新的基于区块链的举措。
The two companies said in a joint statement Monday that they were teaming up to allow Citi clients to move between regular money and stablecoins without having to build or manage both banking and crypto systems themselves.
两家公司在周一的一份联合声明中表示，他们正联手使花旗客户能够在常规货币和稳定币之间转换，而无需自行构建或管理银行和加密系统。
The announcement comes as banks worldwide utilize Bitcoin’s underlying technology to speed up their processes and cater to crypto-hungry customers.
此次宣布之际，全球各地的银行正利用比特币的基础技术来加速流程并满足对加密货币渴求的客户。
Citi last month said it would allow institutional investors to custody both traditional assets and bitcoin within one framework, rather than needing separate systems, later this year.
上个月，花旗表示今年晚些时候将允许机构投资者在一个框架内托管传统资产和比特币，而不需要单独的系统。
“Our clients operate in an increasingly fast-paced and complex global economy, and we’re focused on delivering the solutions they need,” said Debopama Sen, Head of Payments, Services, Citi.
花旗支付服务主管Debopama Sen表示：“我们的客户在一个日益快节奏和复杂的全球经济中运营，我们专注于提供他们所需的解决方案。”
“Our goal is to build the next generation of payments infrastructure — one that is seamless, interoperable, and operates across both traditional and digital payments instruments and networks.”
“我们的目标是构建下一代支付基础设施——一个无缝、互操作，并在传统和数字支付工具及网络上运行的基础设施。”
There are two parts to the deal, the announcement said. Firstly, Coinbase Virtual Accounts, built on Citi’s banking-as-a-service platform, will give Coinbase’s payments customers bank-account-like features so they can accept, hold, send funds. Citi will provide the regulated banking backbone so that incoming fiat can be automatically converted to stablecoins.
公告称该交易包含两部分。首先，建立在花旗银行即服务平台之上的Coinbase虚拟账户，将为Coinbase的支付客户提供类似银行账户的功能，使他们能够接收、持有和发送资金。花旗将提供受监管的银行骨干网络，以便自动将流入的法币转换为稳定币。
Secondly, Citi’s merchant platform, Spring by Citi, will use Coinbase’s infrastructure so that Citi’s enterprise clients can accept stablecoin payments at checkout. Coinbase will convert the stablecoins to fiat, and Citi settles the funds, so merchants never have to hold or manage crypto directly.
其次，花旗的商户平台Spring by Citi将使用Coinbase的基础设施，使花旗的企业客户能够在结账时接受稳定币支付。Coinbase会将稳定币兑换为法币，并由花旗结算资金，因此商户无需直接持有或管理加密货币。
“Fintechs building on Coinbase have always needed a fast, compliant bridge between fiat and stablecoins, and Citi gives us that at scale,” Coinbase’s Head of Infrastructure Product, Alec Lovett, said.
“基于Coinbase构建的金融科技公司一直需要一个快速且合规的法币与稳定币之间的桥梁，而花旗为我们提供了大规模的支持，”Coinbase基础架构产品负责人Alec Lovett表示。
Coinbase and Citi first announced last year that they would partner to enhance digital asset payment capabilities for institutional clients.
去年，Coinbase和花旗首次宣布将合作增强机构客户的数字资产支付能力。
Citi has a number of blockchain offerings, including Citi Token Services, which enables real-time cross-border payments using tokenized deposits.
花旗拥有多项区块链产品，包括Citi Token Services，它支持使用代币化存款进行实时跨境支付。
The firm since last year has also been working with other top banks — including Deutsche Bank, Goldman Sachs, and Bank of America — to explore issuing a stablecoin product.
自去年以来，该公司还与其他顶级银行——包括德意志银行、高盛和美国银行——合作，探索发行一种稳定币产品。
This post Citi and Coinbase Working Together To Build Stablecoin Infrastructure for Businesses first appeared on Bitcoin Magazine and is written by Mathew Di Salvo.
本文《花旗集团与Coinbase合作为企业构建稳定币基础设施》最初发表于Bitcoin Magazine，由Mathew Di Salvo撰写。
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