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The Paypers:2026年全球稳定币报告:从概念炒作到价值落地(中译版)(73页).pdf

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1、fintech market insightsGlobal Stablecoins Report 2026From Hype to Utility:How Stablecoins Are Reshaping Payments for Banks,Merchants,PSPs,and FintechsReport 2026fintech market insightsGlobal Stablecoins Report 2026From Hype to Utility:How Stablecoins Are Reshaping Payments for Banks,Merchants,PSPs,a

2、nd FintechsReport 2026RELEASE VERSION 1.0MARCH 2026COPYRIGHT THE PAYPERS BVDESIGN:MYRIAD DESIGNALL RIGHTS RESERVEDTEL:+31 20 893 4315 FAX:+31 20 658 0671MAIL:EDITORTHEPAYPERS.COMContact usFor inquiries on editorial opportunities please contact:Email:To subscribe to our newsletters,click hereFor gene

3、ral advertising information,contact:Mihaela MihailaEmail:GLOBAL STABLECOINS REPORT 2026|3ForewordStablecoins are increasingly used in cross-border settlement,treasury operations,merchant payouts,and new forms of digital commerce,as well as for purchasing goods and services.They represent one of the

4、first blockchain-based instruments to demonstrate clear product-market fit in payments.This is why the Global Stablecoins Report 2026 was created to guide readers through the stablecoin landscape,covering fundamentals,real-world use cases,regulation,fraud,and compliance.As stablecoins move from expe

5、rimentation toward adoption,understanding their implications has become essential for all key players across the payment ecosystem.Moreover,in 2025,we published the Web3 Payment Acceptance Report 2025 Key Insights for Banks,Merchants,and PSPs,which offers a broader view of Web3 payments and digital

6、assets.The present report,however,focuses specifically on stablecoins as an emerging layer of global payment infrastructure.Setting the scene:stablecoins as the growth engine of Web3Stablecoins are no longer a peripheral segment of digital assets;they are becoming a structural component of the evolv

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1. **市场现状**:2026年稳定币市值达3179亿美元,预计未来几年将超2万亿美元,全球加密货币持有者达7亿人(占人口8.5%)。 2. **核心价值**:稳定币通过24/7即时结算、低成本(跨境支付成本可降低75%至0.5%)、透明链上追溯,重塑跨境支付与企业 treasury 管理。 3. **应用场景**:企业B2B支付(年化360亿美元)、跨境结算(占稳定币交易量50%)、商户接受(如Lisbon咖啡馆试点)及AI智能路由优化。 4. **监管进展**:美国GENIUS法案、欧盟MiCA等框架明确发行与合规要求,推动机构从实验转向采用(41%用户节省超10%成本)。 5. **生态角色**:稳定币作为补充支付基础设施,银行、PSPs、商户通过混合架构整合,而非替代传统金融系统。
稳定币如何改变跨境支付? 银行如何拥抱稳定币机遇? 稳定币能否重塑商业支付?
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