2022年7月18日

由尤努斯Sevmili TechBullion,首席技术官/杏仁的联合创始人Fintech联合国估计大约有十亿人支持通过汇款支付。在这个世界上,几乎所有的服务加速和更加有效的互操作性和电信、国际转账似乎被抛在身后。现实情况是,大多数汇款今天仍然依靠技术和方法可用几十年或几个世纪前。这种缺乏创新导致两个主要问题:缓慢的资本和高额费用。跨境支付面临困难复杂的交互的多个地区有不同的政策和监管要求,如反洗钱和恐怖融资。这缺乏足够的金融基础设施显著影响用户在发展中国家,从而导致长时间延迟。根据世界银行的数据,平均要花69小时发送200美元。延迟接收付款可以为受者创建财务困难需要钱来支付基本费用。用户面临的其他主要问题是跨国支付需要中介,通常收取高额费用,并不总是清楚最终用户。汇款的费用是影响用户的生活。 For example, the World Bank found that users sending $200 from Sub-Saharan Africa paid an average cost of 8.2%. The majority of remittance users are low-income earners, and the fees they must pay to receive their money can be a significant burden. There is a solution already available to users across the world: digital currencies. While this use case was overlooked until recently, it is finally getting the attention it deserves. This technology can open the door for users in need. Users can access solutions and exchanges that address some of these problems. The existing global digital currency infrastructure can enable a new era of borderless money transfers. Moving Capital Through Crypto Across the World Users across the world are excited about the possibilities of cryptocurrency. One study estimates that crypto adoption skyrocketed by 880% in 2021. One of the most promising applications is remittance payments. Broad access to digital capital and financial transactions facilitated by phone and broadband access can fundamentally change how cross-border transactions occur. Crypto coins and exchanges have opened up new possibilities and alternative banking routes that allow users to transfer capital in the world instantly. There are cryptocurrencies that are focused on remittance payments. Users can embrace existing crypto exchanges and coins around the world as means to move money globally without the restrictions of the traditional bank-to-bank systems. This new financial process could be intimidating to users who do not have vast amounts of experience working with technology. Additionally, the inherent volatility of some cryptocurrencies makes them harder to use as a tool for money transfers. However, companies worldwide are developing platforms and solutions that can help facilitate these transactions. Users may be able to simply send capital anywhere in the world as long as they have a mobile phone with internet access. A future with cross-border transactions is within grasp. Crypto can help financial institutions and users move capital faster with fewer restrictions. When used responsibly and ethically, these tools can help promote equality across the world. Crypto can help people embrace a future where they are not bound by traditional finance’s slow, expensive processes. Yunus Sevmili is the CTO/Co-Founder of Almond Fintech Almond Fintech provides financial organizations, such as banks and credit unions, with the blockchain-based infrastructure required to instantly and securely transfer funds to other banks and mobile wallets throughout the world.