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Coinbase \u9996\u5e2d\u6cd5\u5f8b\u5b98\uff09\u4e5f\u6709\u7c7b\u4f3c\u7684\u89c2\u70b9\uff0c\u4ed6\u5728\u300a\u534e\u5c14\u8857\u65e5\u62a5\u300b\u4e0a\u8868\u793a\uff0c\u7a33\u5b9a\u5e01\u6709\u52a9\u4e8e\u4fdd\u6301\u7f8e\u5143\u4f5c\u4e3a\u4e16\u754c\u50a8\u5907\u8d27\u5e01\u7684\u5730\u4f4d\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u7a33\u5b9a\u5e01\u5df2\u6210\u4e3a\u589e\u5f3a\u73b0\u6709\u5168\u7403\u652f\u4ed8\u7cfb\u7edf\u7684\u91cd\u8981\u65b0\u5de5\u5177\u3002\u4ec5\u5728 2023 \u5e74\uff0c\u8de8\u5883\u5546\u4e1a\u4ea4\u6613\u3001\u56fd\u9645\u5546\u4e1a\uff08\u96f6\u552e\uff09\u548c\u5168\u7403\u6c47\u6b3e\u6d89\u53ca\u7684\u8d44\u91d1\u6d41\u52a8\u91cf\u5c31\u8fbe\u5230\u4e86\u60ca\u4eba\u7684 45 \u4e07\u4ebf\u7f8e\u5143\u3002\uff08\u89c1\u56fe 1\uff09\u968f\u7740\u8fd9\u4e9b\u5e02\u573a\u7684\u4e0d\u65ad\u589e\u957f\uff0c\u56fd\u9645\u519c\u4e1a\u53d1\u5c55\u57fa\u91d1\u4f1a\u3001FXC Intelligence \u548c Statista \u6309\u7c7b\u522b\u7684\u4f30\u8ba1\u8868\u660e\uff0c\u5230 2030 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Visa\u3001Mastercard \u548c American Express\uff0c\u6216\u4e2d\u56fd\u7684\u94f6\u8054\uff0c<\/li>\n<li>\u56fd\u9645\u94f6\u884c\u652f\u4ed8\u7f51\u7edc\uff1a\u5982\u73af\u7403\u540c\u4e1a\u94f6\u884c\u91d1\u878d\u7535\u8baf\u534f\u4f1a\uff08SWIFT\uff09\u548c\u8de8\u5883\u94f6\u884c\u95f4\u652f\u4ed8\u7cfb\u7edf\uff08CIPS\uff09\uff0c<\/li>\n<li>\u79fb\u52a8\u652f\u4ed8\u7cfb\u7edf\uff1a\u5982\u7f8e\u56fd\u7684 PayPal\/Venmo\uff0c\u4e2d\u56fd\u7684\u652f\u4ed8\u5b9d\uff08\u548c\u5fae\u4fe1\u652f\u4ed8\uff09\u4ee5\u53ca\u5370\u5ea6\u7684\u7edf\u4e00\u652f\u4ed8\u63a5\u53e3\uff08UPI\uff09\uff0c\u5b83\u4eec\u63d0\u4f9b\u6570\u5b57\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\u548c\u70b9\u5bf9\u70b9\uff08P2P\uff09\u4ea4\u6613\u3002<\/li>\n<\/ul>\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5c3d\u7ba1 Fedwire \u7684\u8d44\u91d1\u8f6c\u8d26\u7cfb\u7edf\u5728 2023 \u5e74\u7ed3\u7b97\u4e86 1.09 \u5343\u4e07\u4ebf\uff08quadrillion\uff09\u7f8e\u5143\uff0c\u6211\u4eec\u5c06\u5176\u6392\u9664\u5728\u6211\u4eec\u7684\u5217\u8868\u4e4b\u5916\uff0c\u56e0\u4e3a\u8be5\u7f51\u7edc\u4e3b\u8981\u670d\u52a1\u4e8e\u5305\u62ec\u5927\u94f6\u884c\u3001\u4f01\u4e1a\u548c\u7f8e\u56fd\u653f\u5e9c\u673a\u6784\u5728\u5185\u7684\u8054\u90a6\u50a8\u5907\u7cfb\u7edf\u6210\u5458\u673a\u6784\u3002\u5b83\u4e3b\u8981\u5b9e\u65f6\u7ed3\u7b97\u5927\u989d\u548c\u65f6\u95f4\u654f\u611f\u7684\u8f6c\u8d26\uff0c\u800c\u4e0d\u5904\u7406\u5c0f\u989d\u96f6\u552e\u652f\u4ed8\u6216\u6c47\u6b3e\uff0c\u8fd9\u4e5f\u662f\u672c\u62a5\u544a\u4e3b\u8981\u5173\u6ce8\u7684\u5185\u5bb9\u3002<\/p>\n<p><strong>\u5206\u6790<\/strong><\/p>\n<p>\u7535\u5b50\u7f51\u7edc\uff0c\u5982\u7f8e\u56fd\u7684 ACH\uff08\u81ea\u52a8\u6e05\u7b97\u6240\uff09\u6216\u6b27\u5143\u533a\u7684 SEPA\uff08\u5355\u4e00\u6b27\u5143\u652f\u4ed8\u533a\uff09\uff0c\u662f\u6211\u4eec\u540d\u5355\u4e0a\u6700\u5927\u7684\u652f\u4ed8\u7cfb\u7edf\u4e4b\u4e00\u3002\u5728\u8bb8\u591a\u56fd\u5bb6\uff0c\u8fd9\u7c7b\u7cfb\u7edf\u5e2e\u52a9\u4fc3\u8fdb\u56fd\u5185\u91d1\u878d\u673a\u6784\u4e4b\u95f4\u7684\u5927\u89c4\u6a21\u7f51\u7edc\u7684\u94f6\u884c\u95f4\u8d44\u91d1\u8f6c\u8d26\u3002\u5b83\u4eec\u901a\u5e38\u5305\u62ec\u76f4\u63a5\u5b58\u6b3e\u548c\u8d26\u5355\u652f\u4ed8\uff0c\u4f46\u8fd1\u5e74\u6765\uff0c\u8bb8\u591a\u7cfb\u7edf\u4e5f\u589e\u52a0\u4e86\u70b9\u5bf9\u70b9\uff08P2P\uff09\u548c\u4f01\u4e1a\u5bf9\u4f01\u4e1a\uff08B2B\uff09\u4ea4\u6613\u3002<\/p>\n<p>\u6839\u636e Nacha\uff08\u524d\u8eab\u4e3a\u5168\u56fd\u81ea\u52a8\u6e05\u7b97\u6240\u534f\u4f1a\uff09\u7684\u6570\u636e\uff0c2023 \u5e74\uff0c\u7f8e\u56fd\u7684 ACH \u7f51\u7edc\u7ed3\u7b97\u4e86 80.1 \u4e07\u4ebf\u7f8e\u5143\u7684\u4ea4\u6613\u989d\uff0c\u6bd4\u524d\u4e00\u5e74\u589e\u957f\u4e86 4%\u3002\u5386\u53f2\u4e0a\uff0cACH \u4ea4\u6613\u5728 1-2 \u4e2a\u5de5\u4f5c\u65e5\u5185\u7ed3\u7b97\uff0c\u4f46\u73b0\u5728\u8d8a\u6765\u8d8a\u591a\u5730\u63d0\u4f9b\u5f53\u5929\u7ed3\u7b97\u7684\u9009\u9879\u3002\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u4e2d\u56fd\u4e5f\u6709\u4e00\u4e2a\u540d\u4e3a\u94f6\u8054\u7684\u4fe1\u7528\u5361\u652f\u4ed8\u5904\u7406\u7cfb\u7edf\uff0c\u8be5\u7cfb\u7edf\u8fd8\u8fd0\u8425\u7740\u4e00\u4e2a\u5927\u578b\u7684\u4e2d\u56fd\u94f6\u884c\u95f4\u7f51\u7edc\u3002\u94f6\u8054\u7684\u94f6\u884c\u95f4\u652f\u4ed8\u7cfb\u7edf\u5728 2023 \u5e74\u5904\u7406\u4e86 279.5 \u4e07\u4ebf\u4eba\u6c11\u5e01\uff08\u7ea6\u5408 39.5 \u4e07\u4ebf\u7f8e\u5143\uff09\u7684\u4ea4\u6613\u3002<\/p>\n<p>\u540c\u65f6\uff0c\u4fe1\u7528\u5361\u5728\u6211\u4eec\u7684\u300c\u652f\u4ed8\u4e3b\u5bfc\u5730\u4f4d\u300d\u540d\u5355\u4e2d\u540d\u5217\u524d\u8305\uff0c\u56e0\u4e3a\u5b83\u4eec\u6df1\u6df1\u690d\u6839\u4e8e\u8bb8\u591a\u6d88\u8d39\u8005\u7684\u6d88\u8d39\u4e60\u60ef\u4e2d\uff0c\u5c24\u5176\u662f\u5728\u53d1\u8fbe\u56fd\u5bb6\u3002\u8bb8\u591a\u5730\u65b9\u7684\u4fe1\u7528\u5361\u501f\u6b3e\u6d41\u7a0b\u5df2\u7ecf\u7b80\u5316\uff0c\u5e76\u4e14\u7528\u6237\u901a\u5e38\u4f1a\u83b7\u5f97\u5438\u5f15\u4eba\u7684\u6ce8\u518c\u5956\u52b1\u3002\u4f46\u662f\uff0c\u8fd9\u4e9b\u652f\u4ed8\u5de8\u5934\u53ef\u4ee5\u5411\u96f6\u552e\u5546\u6536\u53d6\u9ad8\u8fbe 3.5% \u7684\u8d39\u7528\uff0c\u8fd9\u4e9b\u8d39\u7528\u8d8a\u6765\u8d8a\u591a\u5730\u76f4\u63a5\u8f6c\u5ac1\u7ed9\u6d88\u8d39\u8005\u3002\u6b64\u5916\uff0c\u7528\u6237\u53ef\u80fd\u4f1a\u56e0\u672a\u507f\u8fd8\u7684\u4fe1\u7528\u5361\u503a\u52a1\u652f\u4ed8 20% \u7684\u5e74\u5229\u7387\uff08APR\uff09\u7684\u5e73\u5747\u5229\u606f\u8d39\u7528\uff08\u5728\u7f8e\u56fd\uff09\u3002<\/p>\n<p>\u5728\u8de8\u5883\u4ea4\u6613\u65b9\u9762\uff0c\u4fe1\u7528\u5361\u516c\u53f8\u901a\u5e38\u8fd8\u4f1a\u5411\u7528\u6237\u6536\u53d6 1% \u7684\u56fd\u9645\u8d39\u7528\uff0c\u8fd9\u4f7f\u5f97\u8fd9\u4e9b\u652f\u4ed8\u5b9e\u4f53\u5728\u6d77\u5916\u6d88\u8d39\u65b9\u9762\u975e\u5e38\u6709\u5229\u53ef\u56fe\u3002Visa \u5728\u5176 2023 \u5e74\u5e74\u5ea6\u62a5\u544a\u4e2d\u62a5\u544a\u79f0\uff0c\u53bb\u5e74\uff08\u622a\u81f3 2023 \u5e74 9 \u6708\u7684\u8d22\u653f\u5e74\u5ea6\uff09\u5904\u7406\u4e86 12.3 \u4e07\u4ebf\u7f8e\u5143\u7684\u652f\u4ed8\u4ea4\u6613\u91cf\uff08\u4e0d\u5305\u62ec 2.5 \u4e07\u4ebf\u7f8e\u5143\u7684\u73b0\u91d1\u53d6\u6b3e\u4ea4\u6613\uff09\uff0c\u800c Mastercard \u5728\u5176 2023 \u5e74\u5e74\u5ea6\u62a5\u544a\u4e2d\u62a5\u544a\u79f0\uff0c\u5176\u5904\u7406\u7684\u603b\u7f8e\u5143\u4ea4\u6613\u91cf\u4e3a 9.0 \u4e07\u4ebf\u7f8e\u5143\u3002<\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.web3sj.com\/wp-content\/uploads\/2024\/08\/dfa1206a33ae584ce5b12ce37082ab76.png\" alt=\"\u7a33\u5b9a\u5e01\u4e0e\u65b0\u652f\u4ed8\u683c\u5c40\" \/><img decoding=\"async\" class=\"j-lazy\" src=\"https:\/\/www.web3sj.com\/wp-content\/themes\/justnews\/themer\/assets\/images\/lazy.png\" data-original=\"https:\/\/www.web3sj.com\/wp-content\/uploads\/2024\/08\/dfa1206a33ae584ce5b12ce37082ab76.png\" alt=\"\u7a33\u5b9a\u5e01\u4e0e\u65b0\u652f\u4ed8\u683c\u5c40\" \/><\/figure>\n<p>\u4f20\u7edf\u7684\u94f6\u884c\u652f\u4ed8\u7f51\u7edc\u5982 SWIFT \u548c CIPS \u76ee\u524d\u5728\u94f6\u884c\u95f4\u8de8\u5883\u652f\u4ed8\u9886\u57df\u5360\u636e\u4e3b\u5bfc\u5730\u4f4d\uff0c\u6c47\u6b3e\u901a\u5e38\u901a\u8fc7\u8fd9\u4e9b\u7f51\u7edc\u8fdb\u884c\u3002SWIFT \u662f\u4e00\u4e2a\u5b89\u5168\u7684\u6d88\u606f\u4f20\u9012\u5e73\u53f0\uff0c\u8fde\u63a5\u4e86\u8d85\u8fc7 11,000 \u5bb6\u5206\u5e03\u5728 200 \u591a\u4e2a\u56fd\u5bb6\u7684\u91d1\u878d\u673a\u6784\u3002\u4e0d\u8fc7\uff0c\u4e0e\u81ea\u52a8\u6e05\u7b97\u6240\u4e0d\u540c\uff0cSWIFT \u5e76\u4e0d\u8fdb\u884c\u7ed3\u7b97\uff08\u8d44\u91d1\u8f6c\u79fb\uff09\u3002<\/p>\n<p>\u8fd9\u4e9b\u7f51\u7edc\u4ec5\u7528\u4e8e\u53d1\u9001\u548c\u63a5\u6536\u5b89\u5168\u6d88\u606f\uff0c\u5411\u6bcf\u4e00\u65b9\u63d0\u4f9b\u9700\u8981\u786e\u8ba4\u7684\u4ea4\u6613\u8be6\u60c5\uff0c\u5e76\u5141\u8bb8\u5b83\u4eec\u66f4\u65b0\u5404\u81ea\u7684\u8d26\u672c\u3002CIPS \u5219\u7531\u4e2d\u56fd\u4eba\u6c11\u94f6\u884c\u4e8e 2015 \u5e74\u63a8\u51fa\uff0c\u4ee5\u4e0e SWIFT \u7ade\u4e89\u5e76\u63d0\u9ad8\u8de8\u5883\u4eba\u6c11\u5e01\u4ea4\u6613\u7684\u6548\u7387\u3002\u591a\u5e74\u6765\uff0cSWIFT \u548c CIPS \u5171\u540c\u652f\u6301\u4e86\u5168\u7403\u91d1\u878d\u673a\u6784\u95f4\u7684\u5927\u591a\u6570\u8de8\u5883\u652f\u4ed8\u3002<\/p>\n<p>\u6700\u540e\uff0c\u79fb\u52a8\u652f\u4ed8\u7cfb\u7edf\u662f\u6700\u65b0\u7684\u53c2\u4e0e\u8005\uff0c\u63d0\u4f9b\u56fd\u5185\u5916\u7684\u70b9\u5bf9\u70b9\uff08P2P\uff09\u4ea4\u6613\u3002\u4fbf\u5229\u6027\u662f\u5b83\u4eec\u6700\u5927\u7684\u4f18\u52bf\u4e4b\u4e00\uff0c\u56e0\u4e3a\u5b83\u4eec\u901a\u5e38\u63d0\u4f9b\u6bd4\u4f20\u7edf\u94f6\u884c\u65b9\u6cd5\u66f4\u53cb\u597d\u7684\u7528\u6237\u754c\u9762\uff0c\u7528\u4e8e\u8f6c\u8d26\u3002\u4e00\u4e9b\u79fb\u52a8\u652f\u4ed8\u7cfb\u7edf\u8fd8\u96c6\u6210\u4e86\u793e\u4ea4\u5a92\u4f53\u7ec4\u4ef6\u3002\u79fb\u52a8\u652f\u4ed8\u901a\u5e38\u662f\u5b9e\u65f6\u7684\uff0c\u8fd9\u5bf9\u53d1\u9001\u65b9\u548c\u63a5\u6536\u65b9\u90fd\u662f\u4e00\u4e2a\u4e3b\u8981\u4f18\u52bf\uff0c\u56e0\u4e3a\u5b83\u51cf\u5c11\u4e86\u62d2\u4ed8\u7684\u98ce\u9669\u3002\u7136\u800c\uff0cP2P \u652f\u4ed8\u4ec5\u770b\u8d77\u6765\u662f\u5373\u65f6\u7684\uff0c\u56e0\u4e3a\u5b83\u4eec\u901a\u5e38\u5b58\u5728\u4e8e\u4e00\u4e2a\u5c01\u95ed\u7684\u751f\u6001\u7cfb\u7edf\u4e2d\uff0c\u56e0\u6b64\u8fd9\u7c7b\u4ea4\u6613\u53ea\u662f\u4f9b\u5e94\u5546\u8d26\u672c\u7684\u8c03\u6574\u3002<\/p>\n<p>\u7136\u800c\uff0c\u7f3a\u70b9\u662f\u8fd9\u4e9b\u7cfb\u7edf\u901a\u5e38\u9700\u8981\u9884\u5148\u5b58\u5728\u7684\u94f6\u884c\u5173\u7cfb\u548c \/ \u6216\u4fe1\u7528\u5361\u624d\u80fd\u5de5\u4f5c\uff0c\u56e0\u6b64\u7528\u6237\u4ecd\u7136\u4f9d\u8d56\u4e8e\u4f20\u7edf\u91d1\u878d\u7cfb\u7edf\u3002\u8fd9\u5bf9\u53ef\u80fd\u65e0\u6cd5\u83b7\u5f97\u6b64\u7c7b\u670d\u52a1\u7684\u4f4e\u6536\u5165\u4eba\u7fa4\u6784\u6210\u4e86\u969c\u788d\u3002\u79fb\u52a8\u5e73\u53f0\u4e5f\u53ef\u80fd\u6536\u96c6\u5927\u91cf\u7684\u4e2a\u4eba\u548c\u8d22\u52a1\u6570\u636e\uff0c\u8fd9\u5f15\u53d1\u4e86\u9690\u79c1\u65b9\u9762\u7684\u62c5\u5fe7\u3002<\/p>\n<p><strong>\u53bb\u4e2d\u5fc3\u5316\u7684\u8f7b\u76c8\u5b58\u5728<\/strong><\/p>\n<p>\u8fd9\u4e9b\u4f20\u7edf\u7cfb\u7edf\u5efa\u7acb\u4e86\u5168\u7403\u4ea4\u6613\u91cf\u7684\u5927\u90e8\u5206\u5904\u7406\u7f51\u7edc\u548c\u57fa\u7840\u8bbe\u65bd\u3002\u7136\u800c\uff0c\u5b83\u4eec\u4e5f\u5b58\u5728\u4e00\u4e9b\u91cd\u8981\u7684\u7f3a\u70b9\uff0c\u5982\u9ad8\u4ea4\u6613\u6210\u672c\u3001\u8f83\u6162\u7684\u7ed3\u7b97\u65f6\u95f4\u548c\u900f\u660e\u5ea6\u6709\u9650\u3002\u4f8b\u5982\uff0c\u94f6\u884c\u8f6c\u8d26\u6d89\u53ca\u591a\u4e2a\u4e2d\u4ecb\u673a\u6784\u3002\u800c\u7a33\u5b9a\u5e01\u8fd0\u884c\u5728\u516c\u5171\u533a\u5757\u94fe\u4e0a\uff0c\u4f9d\u8d56\u4e8e\u900f\u660e\u7684\u6d41\u7a0b\uff0c\u901a\u8fc7\u5171\u8bc6\u4ee5\u53bb\u4e2d\u5fc3\u5316\u7684\u65b9\u5f0f\u9632\u6b62\u6b3a\u8bc8\u548c\u89e3\u51b3\u4e89\u8bae\u3002\u8fd9\u5f80\u5f80\u66f4\u4fbf\u5b9c\u3001\u66f4\u5feb\u4e14\u66f4\u6613\u8ffd\u8e2a\u3002<\/p>\n<p>\u5f53\u7136\uff0c\u4f7f\u7528\u7a33\u5b9a\u5e01\u4e5f\u6709\u6743\u8861\u3002\u4f8b\u5982\uff0c\u7a33\u5b9a\u5e01\u8fd0\u884c\u5728\u533a\u5757\u94fe\u4e0a\uff0c\u63d0\u4f9b\u51e0\u4e4e\u5373\u65f6\u7684\u7ed3\u7b97\uff0c\u4f46\u8fd9\u4f7f\u5f97\u6b3a\u8bc8\u4ea4\u6613\u5f88\u96be\u9006\u8f6c\u3002\u591a\u79cd\u533a\u5757\u94fe\u7684\u6cdb\u6ee5\u4e5f\u53ef\u80fd\u5bfc\u81f4\u7a33\u5b9a\u5e01\u6d41\u52a8\u6027\u5206\u6563\uff0c\u8fd9\u53ef\u80fd\u4f7f\u7528\u6237\u9762\u4e34\u4ece\u4e00\u4e2a\u94fe\u6865\u63a5\u5230\u53e6\u4e00\u4e2a\u94fe\u7684\u6210\u672c\u548c\u98ce\u9669\u3002\u6700\u540e\uff0c\u52a0\u5bc6\u8d27\u5e01\u7684\u7528\u6237\u4f53\u9a8c\uff08UX\uff09\u672c\u8eab\u53ef\u80fd\u7e41\u7410\u4e14\u5bf9\u666e\u901a\u7528\u6237\u800c\u8a00\u8fc7\u4e8e\u590d\u6742\u3002\u597d\u6d88\u606f\u662f\uff0c\u8fd9\u79cd\u590d\u6742\u6027\u5df2\u5f00\u59cb\u901a\u8fc7\u667a\u80fd\u94b1\u5305\u548c\u652f\u4ed8\u8005\u67b6\u6784\uff08\u5c06\u71c3\u6599\u8d39\u4ece\u7528\u6237\u8f6c\u79fb\u5230\u53bb\u4e2d\u5fc3\u5316\u5e94\u7528\uff09\u9010\u6b65\u62bd\u8c61\u3002\u5c3d\u7ba1\u5982\u6b64\uff0c\u6211\u4eec\u9884\u8ba1\u7528\u6237\u8981\u5b8c\u5168\u9002\u5e94\u8fd9\u4e9b\u7cfb\u7edf\u5e76\u7aef\u5230\u7aef\u4f7f\u7528\u7a33\u5b9a\u5e01\u53ef\u80fd\u8fd8\u9700\u8981\u6570\u5e74\u65f6\u95f4\u3002<\/p>\n<p>\u4e0e\u6b64\u540c\u65f6\uff0c\u73b0\u6709\u7cfb\u7edf\u4ecd\u4eab\u6709\u5de8\u5927\u4f18\u52bf\uff0c\u5982\u5e9e\u5927\u7684\u7528\u6237\u57fa\u7840\u5e26\u6765\u7684\u53ef\u89c2\u4ea4\u6613\u91cf\u3002\u5373\uff0c\u7f51\u7edc\u6548\u5e94\u975e\u5e38\u91cd\u8981\uff0c\u56e0\u4e3a\u4f7f\u7528\u5df2\u6709\u5927\u91cf\u7528\u6237\u7684\u5e73\u53f0\u66f4\u5bb9\u6613\u8fdb\u884c\u6536\u4ed8\u6b3e\u3002\u9ea6\u80af\u9521\u516c\u53f8\u7684\u4e00\u4efd\u62a5\u544a\u901a\u8fc7\u8c03\u67e5\u8868\u660e\uff0c\u94f6\u884c\u5728\u4fdd\u6301\u6d88\u8d39\u8005\u4fe1\u4efb\u65b9\u9762\u6bd4\u91d1\u878d\u79d1\u6280\u516c\u53f8\u66f4\u6709\u4f18\u52bf\u3002\u8981\u4f7f\u7a33\u5b9a\u5e01\u88ab\u5e7f\u6cdb\u63a5\u53d7\uff0c\u4e0d\u4ec5\u9700\u8981\u89e3\u51b3\u76d1\u7ba1\u95ee\u9898\uff08\u89c1\u4e0b\u6587\u300c\u6740\u624b\u7ea7\u5e94\u7528\u300d\u90e8\u5206\uff09\uff0c\u8fd8\u9700\u8981\u5efa\u7acb\u7528\u6237\u4fe1\u4efb\u3002<\/p>\n<p>\u5e78\u8fd0\u7684\u662f\uff0c\u6280\u672f\u5df2\u7ecf\u964d\u4f4e\u4e86\u7528\u6237\u548c\u5546\u5bb6\u91c7\u7528\u65b0\u578b\u652f\u4ed8\u65b9\u5f0f\u7684\u6210\u672c\u3002\u8fd9\u4f7f\u5f97\u4f20\u7edf\u652f\u4ed8\u5de8\u5934\u5bb9\u6613\u53d7\u5230\u91d1\u878d\u79d1\u6280\u6311\u6218\u8005\u7684\u51b2\u51fb\u3002\u4e8b\u5b9e\u4e0a\uff0c\u6839\u636e\u4e16\u754c\u94f6\u884c\u7684\u6570\u636e\uff0c\u8fc7\u53bb 15 \u5e74\u95f4\uff0c\u7ade\u4e89\u52a0\u5267\u4f7f\u6c47\u6b3e\u652f\u4ed8\u7684\u5e73\u5747\u6210\u672c\u964d\u4f4e\u4e86\u4e09\u5206\u4e4b\u4e00\u4ee5\u4e0a\u3002\uff08\u89c1\u56fe 3\uff09\u56fd\u9645\u6e05\u7b97\u94f6\u884c\u6700\u8fd1\u8fdb\u884c\u7684\u6d4b\u8bd5\u8868\u660e\uff0c\u5229\u7528\u4ee3\u5e01\u5316\u53ef\u4ee5\u4fc3\u8fdb\u66f4\u5feb\u3001\u66f4\u5b89\u5168\u7684\u8de8\u5883\u4ea4\u6613\u3002\u7136\u800c\uff0c\u76ee\u524d\u8de8\u5883\u6c47\u6b3e 200 \u7f8e\u5143\u7684\u5e73\u5747\u6210\u672c\u4ecd\u4e3a\u6c47\u6b3e\u91d1\u989d\u7684 6.35%\uff0c\u5e74\u8d39\u7528\u603b\u8ba1\u7ea6 540 \u4ebf\u7f8e\u5143\u3002<\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.web3sj.com\/wp-content\/uploads\/2024\/08\/b2e2868b3745b06702046c03305c5741.png\" alt=\"\u7a33\u5b9a\u5e01\u4e0e\u65b0\u652f\u4ed8\u683c\u5c40\" \/><img decoding=\"async\" class=\"j-lazy\" src=\"https:\/\/www.web3sj.com\/wp-content\/themes\/justnews\/themer\/assets\/images\/lazy.png\" data-original=\"https:\/\/www.web3sj.com\/wp-content\/uploads\/2024\/08\/b2e2868b3745b06702046c03305c5741.png\" alt=\"\u7a33\u5b9a\u5e01\u4e0e\u65b0\u652f\u4ed8\u683c\u5c40\" \/><\/figure>\n<p>\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u4f7f\u7528\u7a33\u5b9a\u5e01\u8fdb\u884c\u6c47\u6b3e\u7684\u5e73\u5747\u4ea4\u6613\u6210\u672c\u4f4e\u5f97\u591a\uff0c\u4ec5\u4e3a\u6c47\u6b3e\u91d1\u989d\u7684 0.5-3.0%\u3002\u8fd9\u4e2a\u8303\u56f4\u7684\u5e7f\u6cdb\u6027\u53cd\u6620\u4e86\u5c3d\u7ba1\u5728\u4e00\u4e9b\u7f51\u7edc\uff08\u5982\u4ee5\u592a\u574a Layer-2\uff09\u4e0a\u8f6c\u79fb\u7a33\u5b9a\u5e01\u7684\u76f4\u63a5\u8d39\u7528\u53ef\u80fd\u975e\u5e38\u4f4e\uff0c\u4f46\u53ef\u80fd\u4f1a\u6709\u5176\u4ed6\u6210\u672c\u3002\u4f8b\u5982\uff0c\u5c06\u672c\u5730\u6cd5\u5b9a\u8d27\u5e01\u8f6c\u6362\u4e3a\u7a33\u5b9a\u5e01\u6216\u53cd\u4e4b\u4ea6\u7136\uff0c\u53ef\u80fd\u4f1a\u4ea7\u751f\u5e73\u53f0\u63d0\u4f9b\u670d\u52a1\u65f6\u7684\u5151\u6362\u548c \/ \u6216\u8f6c\u6362\u8d39\u7528\u3002\u7136\u800c\uff0c\u968f\u7740\u7f51\u7edc\u89c4\u6a21\u548c \/ \u6216\u91c7\u7528\u7387\u7684\u589e\u52a0\uff0c\u8fd9\u4e5f\u53ef\u80fd\u901a\u8fc7\u63d0\u9ad8\u4ea4\u6613\u91cf\u548c\u964d\u4f4e\u63d0\u4f9b\u5546\u7684\u6bcf\u7b14\u4ea4\u6613\u6210\u672c\u6765\u964d\u4f4e\u672a\u6765\u7684\u8d39\u7528\u3002\u56e0\u6b64\uff0c\u7a33\u5b9a\u5e01\u4ea4\u6613\u7684\u603b\u4f53\u6210\u672c\u53ef\u80fd\u4f1a\u7ee7\u7eed\u4f18\u5316\u3002<\/p>\n<p><strong>\u8fc7\u6ee4\u566a\u97f3<\/strong><\/p>\n<p>\u7a33\u5b9a\u5e01\u5e38\u88ab\u79f0\u4e3a\u300c\u52a0\u5bc6\u8d27\u5e01\u7684\u6740\u624b\u7ea7\u5e94\u7528\u300d\uff0c\u56e0\u4e3a\u5b83\u4eec\u5728\u4e3b\u6d41\u5546\u4e1a\u5e94\u7528\u4e2d\u7684\u6f5c\u529b\u4ee5\u53ca\u76f8\u5bf9\u4e8e\u4f20\u7edf\u652f\u4ed8\u8f68\u9053\uff08\u5982\u901f\u5ea6\u548c\u6210\u672c\uff09\u7684\u6bd4\u8f83\u4f18\u52bf\u3002\u8fd9\u4e2a\u6807\u7b7e\u610f\u5728\u8868\u8fbe\u7a33\u5b9a\u5e01\u5438\u5f15\u66f4\u591a\u6d88\u8d39\u8005\u7fa4\u4f53\u4f7f\u7528\u533a\u5757\u94fe\u6280\u672f\u7684\u627f\u8bfa\u3002<\/p>\n<p>\u7136\u800c\uff0c\u73b0\u5b9e\u60c5\u51b5\u662f\uff0c\u4eca\u5929\u7a33\u5b9a\u5e01\u7684\u4e3b\u8981\u7528\u4f8b\u662f\u5141\u8bb8\u52a0\u5bc6\u6295\u8d44\u8005\u5728\u96c6\u4e2d\u548c\u53bb\u4e2d\u5fc3\u5316\u4ea4\u6613\u6240\u4e4b\u95f4\u4ea4\u6613\u6570\u5b57\u8d44\u4ea7\u3002\u8fd9\u4e5f\u662f\u4e3a\u4ec0\u4e48\u7a33\u5b9a\u5e01\u7684\u5e02\u503c\u5e38\u5e38\u88ab\u7528\u4f5c\u6570\u5b57\u8d44\u4ea7\u5e02\u573a\u6d41\u52a8\u6027\u7684\u4ee3\u7406\u6307\u6807\uff0c\u56e0\u4e3a\u5176\u589e\u957f\u76f8\u5f53\u4e8e\u66f4\u5e7f\u6cdb\u7684\u52a0\u5bc6\u5e02\u573a\u7684\u6df1\u5ea6\u548c\u4ef7\u683c\u7a33\u5b9a\u6027\u7684\u589e\u52a0\u3002\u5728 2023 \u5e74\u6240\u6709\u7a33\u5b9a\u5e01\u7ed3\u7b97\u7684 10.8 \u4e07\u4ebf\u7f8e\u5143\u4ea4\u6613\u4e2d\uff0c\u5927\u591a\u6570\u4ea4\u6613\u91cf\u5f80\u5f80\u7528\u4e8e\u4ea4\u6613\u76ee\u7684\u3002<\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.web3sj.com\/wp-content\/uploads\/2024\/08\/f07dbf96c8100258f3235b13a3c24c1a.png\" alt=\"\u7a33\u5b9a\u5e01\u4e0e\u65b0\u652f\u4ed8\u683c\u5c40\" \/><img decoding=\"async\" class=\"j-lazy\" src=\"https:\/\/www.web3sj.com\/wp-content\/themes\/justnews\/themer\/assets\/images\/lazy.png\" data-original=\"https:\/\/www.web3sj.com\/wp-content\/uploads\/2024\/08\/f07dbf96c8100258f3235b13a3c24c1a.png\" alt=\"\u7a33\u5b9a\u5e01\u4e0e\u65b0\u652f\u4ed8\u683c\u5c40\" \/><\/figure>\n<p>\u4e3a\u4e86\u91c7\u53d6\u66f4\u4fdd\u5b88\u7684\u65b9\u6cd5\uff0c\u6211\u4eec\u6839\u636e Visa \u5728 2024 \u5e74 4 \u6708\u53d1\u5e03\u7684\u4e00\u7bc7\u535a\u5ba2\u6587\u7ae0\u4e2d\u5217\u4e3e\u7684\u6807\u51c6\uff0c\u5bf9\u603b\u4ea4\u6613\u91cf\u8fdb\u884c\u8fc7\u6ee4\u2014\u2014\u8fd9\u7bc7\u6587\u7ae0\u662f\u5bf9 Castle Island Ventures \u7684 Nic Carter \u7684\u56de\u5e94\u3002\u4ed6\u4eec\u8ba4\u4e3a\uff0c\u7531\u4e8e\u300c\u975e\u6709\u673a\u6d3b\u52a8\u548c\u5176\u4ed6\u4eba\u4e3a\u7684\u901a\u80c0\u884c\u4e3a\u300d\uff0c\u7a33\u5b9a\u5e01\u4ea4\u6613\u6570\u636e\u53ef\u80fd\u5b58\u5728\u566a\u97f3\u3002\u56e0\u6b64\uff0c\u4ed6\u4eec\u901a\u8fc7 (1) \u53bb\u9664\u667a\u80fd\u5408\u7ea6\u6d3b\u52a8\u4e2d\u91cd\u590d\u7684\u4ea4\u6613\u548c (2) \u8fc7\u6ee4\u673a\u5668\u4eba\u9a71\u52a8\u548c\u81ea\u52a8\u5316\u4ea4\u6613\u6765\u300c\u8c03\u6574\u300d\u7a33\u5b9a\u5e01\u4ea4\u6613\u91cf\u3002\u4e3a\u4e86\u5b9e\u73b0\u540e\u8005\uff0c\u4ed6\u4eec\u4ec5\u5305\u62ec\u5728 30 \u5929\u5185\u300c\u53d1\u8d77\u4e0d\u5230 1000 \u7b14\u7a33\u5b9a\u5e01\u4ea4\u6613\u4e14\u8f6c\u8d26\u91d1\u989d\u4e0d\u5230 1000 \u4e07\u7f8e\u5143\u300d\u7684\u8d26\u6237\u6240\u8fdb\u884c\u7684\u4ea4\u6613\u3002<\/p>\n<p>\u9700\u8981\u6307\u51fa\u7684\u662f\uff0cVisa \u7684\u94fe\u4e0a\u5206\u6790\u4eea\u8868\u677f\u4ec5\u53d1\u5e03 30 \u5929\u7684\u6570\u636e\uff0c\u8fd9\u4f7f\u5f97\u4e0e\u5176\u4ed6\u652f\u4ed8\u7cfb\u7edf\u7684\u6bd4\u8f83\u53d8\u5f97\u56f0\u96be\u3002\u56e0\u6b64\uff0c\u6211\u4eec\u8fdb\u884c\u4e86\u7e41\u91cd\u7684\u5de5\u4f5c\uff0c\u5e94\u7528\u4ed6\u4eec\u7684\u6807\u51c6\u5bf9\u8fc7\u53bb\u4e94\u5e74\u7684\u7a33\u5b9a\u5e01\u4ea4\u6613\u6570\u636e\u8fdb\u884c\u8fc7\u6ee4\uff0c\u4ee5\u671f\u83b7\u5f97\u6709\u4ef7\u503c\u7684\u6d1e\u89c1\u3002\u4ec5\u5728 2023 \u5e74\uff0c\u6211\u4eec\u53d1\u73b0\u7a33\u5b9a\u5e01\u4ecd\u7136\u6bcf\u5e74\u7ed3\u7b97\u8d85\u8fc7 2.3 \u4e07\u4ebf\u7f8e\u5143\u7684\u300c\u6709\u673a\u300d\u4ea4\u6613\uff0c\u8fd9\u4e9b\u4ea4\u6613\u53ef\u80fd\u4ecd\u5305\u62ec\u4ea4\u6613\uff0c\u4f46\u66f4\u96c6\u4e2d\u4e8e\u652f\u4ed8\u3001P2P \u8f6c\u8d26\u548c\u6c47\u6b3e\u3002\u4f8b\u5982\uff0c\u5728\u8fd9\u4e2a\u8c03\u6574\u540e\u7684\u91d1\u989d\u4e2d\uff0c\u533a\u5757\u94fe\u4e0a\u7684\u8de8\u5883 B2B \u4ea4\u6613\u867d\u7136\u4ec5\u5360 8.43 \u4ebf\u7f8e\u5143\uff0c\u4f46\u636e Statista \u9884\u6d4b\uff0c2024 \u5e74\u5c06\u589e\u81f3 12 \u4ebf\u7f8e\u5143\u3002<\/p>\n<p>\u8fd9\u4e9b\u8c03\u6574\u540e\u7684\u4ea4\u6613\u91cf\u5728 2022 \u5e74\u589e\u957f\u4e86 18%\uff0c\u5728 2023 \u5e74\u589e\u957f\u4e86 17%\u3002\u8fd9\u4e2a\u589e\u957f\u901f\u5ea6\u6bd4\u4e0a\u8ff0\u4efb\u4f55\u652f\u4ed8\u7cfb\u7edf\u90fd\u8981\u5feb\uff0c\u5e76\u4e14\u5728\u7edd\u5bf9\u503c\u4e0a\u8d85\u8fc7\u4e86 PayPal \u7684\u652f\u4ed8\u91cf\u3002\u4e8b\u5b9e\u4e0a\uff0c\u5373\u4f7f\u7ecf\u8fc7\u300c\u975e\u6709\u673a\u6d3b\u52a8\u300d\u8c03\u6574\uff0c\u53bb\u5e74\u7a33\u5b9a\u5e01\u5904\u7406\u7684\u4ea4\u6613\u91cf\u7ea6\u5360 Visa \u652f\u4ed8\u91cf\u7684\u4e94\u5206\u4e4b\u4e00\uff0c\u8d85\u8fc7\u4e86 Mastercard \u7684\u56db\u5206\u4e4b\u4e00\uff0c\u8fd9\u4ee3\u8868\u4e86\u81ea\u7a33\u5b9a\u5e01\u95ee\u4e16\u4ee5\u6765\u7684\u5de8\u5927\u589e\u957f\u3002\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u622a\u81f3\u76ee\u524d\uff0c\u8c03\u6574\u540e\u7684\u7a33\u5b9a\u5e01\u4ea4\u6613\u91cf\u7ea6\u4e3a 1.7 \u4e07\u4ebf\u7f8e\u5143\uff08\u7ea6\u5360<em>\u603b<\/em>\u7a33\u5b9a\u5e01\u4ea4\u6613\u91cf\u7684 10%\uff09\uff0c\u800c\u53bb\u5e74\u524d\u4e03\u4e2a\u6708\u4e3a 1.3 \u4e07\u4ebf\u7f8e\u5143\u2014\u2014\u6709\u673a\u6d3b\u52a8\u5df2\u7ecf\u589e\u52a0\u4e86 28%\uff0c\u968f\u7740\u589e\u957f\u7ee7\u7eed\u52a0\u901f\u3002<\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.web3sj.com\/wp-content\/uploads\/2024\/08\/1addd847247a014778a937257b93585a.png\" alt=\"\u7a33\u5b9a\u5e01\u4e0e\u65b0\u652f\u4ed8\u683c\u5c40\" \/><img decoding=\"async\" class=\"j-lazy\" src=\"https:\/\/www.web3sj.com\/wp-content\/themes\/justnews\/themer\/assets\/images\/lazy.png\" data-original=\"https:\/\/www.web3sj.com\/wp-content\/uploads\/2024\/08\/1addd847247a014778a937257b93585a.png\" alt=\"\u7a33\u5b9a\u5e01\u4e0e\u65b0\u652f\u4ed8\u683c\u5c40\" \/><\/figure>\n<p><strong>\u6740\u624b\u7ea7\u5e94\u7528<\/strong><\/p>\n<p>\u5c3d\u7ba1\u7a33\u5b9a\u5e01\u76f8\u5173\u7684\u4ea4\u6613\u91cf\u5de8\u5927\uff0c\u4f46\u8fd9\u4e00\u9886\u57df\u7684\u5e02\u503c\u4ecd\u76f8\u5bf9\u9002\u4e2d\uff0c\u4e3a 1640 \u4ebf\u7f8e\u5143\uff0c\u5c3d\u7ba1\u81ea\u5e74\u521d\u4ee5\u6765\u5df2\u589e\u957f\u4e86 26%\u3002\uff08\u89c1\u56fe 6\u3002\uff09\u5c3d\u7ba1\u5982\u6b64\uff0c\u7a33\u5b9a\u5e01\u76ee\u524d\u53ea\u5360 2.3 \u4e07\u4ebf\u7f8e\u5143\u52a0\u5bc6\u5e02\u573a\u5e02\u503c\u7684 7%\u3002\u4e00\u4e9b\u5e02\u573a\u5206\u6790\u5e08\u63a8\u6d4b\uff0c\u7a33\u5b9a\u5e01\u5e02\u573a\u5728\u672a\u6765\u4e94\u5e74\u5185\u53ef\u80fd\u589e\u957f\u5230\u8fd1 3 \u4e07\u4ebf\u7f8e\u5143\u3002\u867d\u7136\u8fd9\u4e2a\u6570\u5b57\u770b\u8d77\u6765\u5f88\u9ad8\uff0c\u56e0\u4e3a\u8fd9\u4e2a\u4f30\u8ba1\u63a5\u8fd1\u5f53\u524d\u6574\u4e2a\u52a0\u5bc6\u5e02\u573a\u7684\u89c4\u6a21\uff0c\u4f46\u5982\u679c\u8003\u8651\u5230\u8fd9\u4e00\u6570\u5b57\u4ec5\u76f8\u5f53\u4e8e\u7f8e\u56fd M2 \u8d27\u5e01\u4f9b\u5e94\u91cf\uff0821 \u4e07\u4ebf\u7f8e\u5143\uff09\u7684 14%\uff08\u76ee\u524d\u4e3a 0.8%\uff09\uff0c\u6211\u4eec\u8ba4\u4e3a\u8fd9\u4ecd\u7136\u5728\u53ef\u80fd\u8303\u56f4\u5185\u3002<\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.web3sj.com\/wp-content\/uploads\/2024\/08\/f6323583362cb57a4b361372206631dc.png\" alt=\"\u7a33\u5b9a\u5e01\u4e0e\u65b0\u652f\u4ed8\u683c\u5c40\" \/><img decoding=\"async\" class=\"j-lazy\" src=\"https:\/\/www.web3sj.com\/wp-content\/themes\/justnews\/themer\/assets\/images\/lazy.png\" data-original=\"https:\/\/www.web3sj.com\/wp-content\/uploads\/2024\/08\/f6323583362cb57a4b361372206631dc.png\" alt=\"\u7a33\u5b9a\u5e01\u4e0e\u65b0\u652f\u4ed8\u683c\u5c40\" \/><\/figure>\n<p>\u5b9e\u73b0\u8fd9\u4e9b\u9884\u6d4b\u7684\u6700\u5927\u969c\u788d\u4ecd\u7136\u662f\u76d1\u7ba1\u3002\u65e9\u5728 2020 \u5e74\uff0c\u91d1\u878d\u7a33\u5b9a\u59d4\u5458\u4f1a\uff08FSB\uff09\u5c31\u53d1\u5e03\u4e86\u4e00\u5957\u300c\u5168\u7403\u7a33\u5b9a\u5e01\u5b89\u6392\u7684\u76d1\u7ba1\u3001\u76d1\u7763\u548c\u76d1\u63a7\u7684\u9ad8\u7ea7\u522b\u5efa\u8bae\u300d\uff08\u6700\u7ec8\u62a5\u544a\u4e8e 2023 \u5e74 7 \u6708\u53d1\u5e03\uff09\uff0c\u8fd9\u662f\u5728 G20 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