中国重庆 - 7月29日：在这张示意图中，一个人手持智能手机，屏幕显示着万事达卡公司（纽约证券交易所代码：MA）的标志，这是一家全球支付和技术公司，其标志性的红黄重叠圆圈在背景中清晰可见，摄于2025年7月29日，中国重庆。
CHONGQING, CHINA - JULY 29: In this photo illustration, a person holds a smartphone displaying the logo of Mastercard Inc. (NYSE: MA), a global payments and technology company, with the company's distinctive red and yellow overlapping circles visible in the background, on July 29, 2025 in Chongqing, China.
程欣 | Getty Images News | Getty Images据万事达卡表示，稳定币可能提供更快、更高效的支付，但要充分发挥其潜力，还需要进一步发展支持它们的基础设施。
Cheng Xin | Getty Images News | Getty Images Stablecoins could offer faster and more efficient payments, but realizing their full potential requires further development of the infrastructure supporting them, according to Mastercard.
万事达卡亚太区服务业务执行副总裁马修·德赖弗在接受CNBC采访时表示，稳定币是一种通过锚定美元等资产来保持价值稳定的加密货币，对于某些汇款走廊和不常交易的货币对可能具有吸引力。
Stablecoins, a type of cryptocurrency designed to keep a steady value via a peg to an asset like the U.S. dollar, could be attractive for certain remittance corridors and less commonly traded currency pairs, Matthew Driver, executive vice president of services for Asia Pacific at Mastercard, told CNBC in an interview.
“你不想要‘稳定币三明治’，”德赖弗说，指的是缓慢地兑入稳定币，中间快速交易，然后再缓慢地兑出回法币。他说，这不一定能转化为更快的支付。
"You don't want to have a 'stablecoin sandwich,'" Driver said, referring to a slow on-ramp into stablecoins, a fast transaction in the middle and a slow off-ramp back into fiat currency. That won't necessarily translate into faster payments, he said.
将实时支付系统与交易两端的稳定币交易所连接起来，有助于加快支付速度，但“你仍然需要完善基础设施，”他说，并补充道，市场参与者需要能够有效地使用这项技术。
Connecting real-time payment systems to stablecoin exchanges on both ends of a transaction could help speed up payments, but "you still need to enable the infrastructure," he said, adding that market participants need to be able to use the technology effectively.
稳定币采用的机遇可能因市场而异。德赖弗表示，在新加坡，零售支付已经高度高效，稳定币在消费者交易中的应用可能较少，而企业支付可能提供更大的机遇。
Opportunities for stablecoin adoption could vary across markets. In Singapore, where retail payments are already highly efficient, stablecoins may have fewer applications in consumer transactions, while corporate payments could offer greater opportunities, Driver said.
他还指出，智能合约是企业支付的一个潜在用例，允许在满足特定条件时执行交易。
He also pointed to smart contracts as a potential use case for corporate payments, allowing transactions to be executed when certain conditions are met.
德赖弗表示，随着美国《GENIUS法案》的建立，人们对稳定币的兴趣有所增加。
Interest in stablecoins has increased following the establishment of the U.S. GENIUS Act, Driver said.
此番表态之际，万事达卡正在扩大其在数字资产领域的布局，其中包括收购稳定币基础设施提供商 BVNK，该交易已于 8 月完成。本月初，万事达卡与 BVNK 推出了 Global Money Platform（全球货币平台），旨在帮助银行、金融科技公司和企业通过单一应用程序编程接口，管理涉及传统货币和稳定币的支付。
His comments come as Mastercard expands its involvement in digital assets, including through its acquisition of stablecoin infrastructure provider BVNK, which was completed in August. Earlier this month, Mastercard and BVNK launched Global Money Platform, designed to help banks, fintechs and businesses manage payments involving traditional currencies and stablecoins through a single application programming interface.
除了支付速度，万事达卡还在探索引入区块链和身份数据，以建立与其他支付系统同等水平的信任，Driver 表示。
Beyond payment speed, Mastercard is also looking to incorporate blockchain and identity data to establish the same level of trust expected across other payment systems, Driver said.