The writer is a former US federal prosecutor and is founder and CEO of VC firm Haun Ventures
本文作者曾任美国联邦检察官，现为风投公司Haun Ventures创始人和首席执行官
We live in a world of convenient tap-to-pay cards, mobile banking apps and sleek fintech platforms. Yet beneath this polished surface, the reality of moving money remains fragmented, costly and slow. This is especially true for cross-border transactions. International wire transfers take days to settle. Much of the infrastructure that supports our financial system was built decades ago and processes transactions in batches rather than in real time.
我们生活在一个便利的世界：感应式支付卡、手机银行app和精致的金融科技平台。然而在光鲜亮丽的表面之下，转移资金的现实依然是碎片化、成本高昂且缓慢的。跨境交易尤其如此。国际电汇需要数日才能完成结算。支撑现有金融体系的很大一部分基础设施是在几十年前构建的，它们分批（而非实时）处理交易。
Stablecoins are therefore among the most transformative financial technologies to emerge in recent years. These blockchain-based digital assets are designed to maintain a peg with a reference currency like the US dollar and represent a faster, cheaper and regulated payment infrastructure that could rival global settlement networks.
因此，稳定币是近年涌现的最具变革性的金融技术之一。这些基于区块链的数字资产从设计上确保与参考货币（比如美元）保持挂钩，它们代表着一种更快、更便宜和受监管的支付基础设施，有望媲美全球结算网络。