在全球化的今天，数亿人因工作、求学、经商或赡养家人而跨国生活，但跨境汇款仍面临速度慢、费用高、流程繁琐等问题。稳定币（与美元等法币挂钩的数字货币）的出现，为重塑国际资金流动提供了新机遇——其快速到账、高可靠性及广泛适用性，尤其适合金融基础设施薄弱或货币波动剧烈的地区。
早在2021年，Remitly便成为首批支持Meta旗下Novi和Coinbase等平台法币兑换的数字汇款公司，搭建起Web3创新与真实汇款需求的桥梁。如今，随着监管框架明晰和稳定币生态成熟，我们将在资金管理、存储与跨境流动三大核心领域全面应用稳定币技术。
Remitly数字钱包：多币种稳定存储解决方案
通过用户调研我们发现：无论是跨境劳工、自由职业者还是小企业主，都迫切需要更稳定的资产存储方式——有人希望持有美元或稳定币保值，有人需应对本币剧烈波动。为此，我们推出Remitly Wallet——一个集成于Remitly平台的安全多币种钱包，支持法币与稳定币存储，帮助用户（尤其是高通胀地区人群）实现跨境资金灵活管理。该产品目前处于测试阶段，计划于9月正式上线。
与Stripe旗下Bridge合作：新增稳定币支付通道
今年9月，我们将通过支付巨头Stripe的子公司Bridge，为全球汇款网络增加稳定币支付选项。用户可在部分市场选择将款项直接转入自选钱包，享受Remitly现有法币网络（覆盖170+国家银行账户、移动钱包及现金提取）与稳定币技术的无缝衔接。
优化全球流动性：USDC提升资金效率
传统模式下，Remitly需通过AI预测各国货币需求并预存资金，虽保障了转账速度却占用大量流动资金。如今，我们引入USDC等美元稳定币进行内部资金调配，实现7×24小时实时跨境流动，快速响应市场需求变化，尤其在波动性较强的市场中优势显著。
展望未来：让跨境支付更高效普惠
我们相信，稳定币将进一步提升跨境汇款的速度、可靠性与价值，特别是在金融基础设施欠发达地区。随着技术成熟，Remitly将持续探索稳定币在资金托管、支付到账、资产存储等场景的创新应用，为全球用户提供更值得信赖的金融服务。
变革，才刚刚开始！
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