SoFi 与 Mastercard 合作推出稳定币结算，使其在金融服务收入和利息收入的长期增长中占据有利位置，支撑看涨前景。
逐段跳播
SoFi 公司悄然迎来了非常重要的一天。该公司正在推进使用其自有稳定币进行支付结算。这是我长期以来一直预期会发生的事情。它代表着金融行业的未来。
SoFi Company quietly witnessed a very important day . The company is moving forward with settling payments using its own stablecoin. This is something I've been expecting to happen for a long time.
It represents the future of the financial sector.
我们支付方式的基本形态正在发生变化，并将转向区块链技术，无论你是在店内用信用卡支付，还是未来用人工智能支付。SoFi 实际上是推动这一趋势的公司之一，因为它拥有自己的稳定币。
The fundamental ways we pay for things, whether you pay in-store with a credit card or in the future with artificial intelligence, are changing and will move to blockchain technology.
SoFi is actually one of the companies pushing this trend forward because it has its own stablecoin.
它是一家持牌银行，并与 Mastercard 等信用卡公司建立了合作关系。因此，我们收到了关于这一合作关系的公告。他们六个月前才开始着手这个项目。它已经上线，现在已在运行。
It is a licensed bank and has partnerships with credit card companies such as " Mastercard". So, we received an announcement about this partnership. They only started working on this project six months ago.
It has already been launched and is now operational.
SoFi 成为首家开始启用这项服务的全国性银行。因此，这项服务现在已经在运行。目前，这正通过 Mastercard 的全球支付网络进行稳定币结算。
"SoFi" becomes the first national bank to begin activating this service. So, the service is working now. This is currently happening with the settlement of stablecoins via Mastercard's global payments network.
Mastercard 与 SoFi 之间的这份公告回答的是第二个问题，而不是第一个。因此，我认为这些事情将分不同阶段来处理。我们会看到这将如何发生，但第一步，也是我从中得到的最重要的一点，是 Anthony Noto 的这段话。
交易者不需要持有稳定币，所以对他们来说本质上没有任何变化，无论是在建设新基础设施方面，还是在改变运营方式方面。通过 SoFi 庞大的企业银行平台，任何商户都可以即时将结算资金收到 SoFi 银行账户，并全天候免费提取现金。
This announcement between Mastercard and SoFi answers the second question, not the first. Therefore, I believe these matters will be addressed in different stages. We'll see how that will happen, but the first step, and the most important thing I've taken away from this, is this part here from Anthony Noto.
Traders do not need to hold stablecoins, so essentially nothing changes for them , whether in terms of building new infrastructure or changing the way they operate. Through Sofi's large business banking platform, any merchant can receive settlement funds instantly into a Sofi bank account and withdraw cash 24/7 at no cost.
那么，这究竟是如何运作的，又将如何让 SoFi 受益？这是 Mastercard 关于他们在稳定币领域所做事情的解释。这张图清楚地说明了他们打算如何推进这件事。购物者完成支付，这会指向发卡机构，发卡机构将资金发送出去，通过 Mastercard 结算稳定币，正如中间这里所示。
然后这笔钱流向收单机构，商户收到其应得款项。所以，SoFi 覆盖的部分是信用卡发卡，因此他们在这里的左侧。他们想要增长的地方是右侧。他们根本没有庞大的商户业务，但他们希望购物者使用 SoFi 信用卡，也希望商户使用 SoFi 银行账户。
如果这两件事发生，稳定币就从购物者流向商户，结算即时完成，资金立即到达你的账户。
So, how exactly does this work and how will it benefit Sophie ? Okay, this is an explanation from Mastercard about what they do in the field of stablecoins. This chart clearly illustrates how they intend to bring this up .
The shopper makes the payment, which directs the issuer, and the issuer sends the funds to settle the stablecoin through Mastercard, as shown in the middle here. Then that money goes to the acquiring entity and the merchant receives his dues.
So, the part that Sophie covers is the credit card issue , so they are on the left side here. The place they want to grow in is the right side. They do n't have a large business at all, but they want the shopper to use a Sofi credit card , and they want the merchant to use a Sofi bank account.
If these two things happen, the stablecoins move from the shopper to the merchant, settlement is instantaneous, and the money arrives in your account immediately.
对 SoFi 来说有几个好处。如果这件事发生，你可能会想讨论它会出现在利润表的哪个位置。这些是他们拥有的板块。贷款板块将是你的传统银行放贷板块。所以，我们把它从这里排除。这不会影响那个。
第二件事将是技术和服务平台。这里面可能有一点信用卡发卡业务。因此，如果这件事注定要成功，这可能是一个较小的贡献因素。但我们先把它放在一边。如果能够促使客户和商户采用它，受这一变化影响最大的部分将是金融服务收入。
过去十二个月收入为 17.7 亿美元。这就是你将看到稳定币结算以及稳定币本身带来累积收益的地方。
There are a few benefits for Sophie. You may want to discuss where this would appear on the income statement if and when it would happen. These are the sectors they have. The lending sectors will be your traditional banking lending sector .
So, let's rule that out from here. This will not affect that. The second thing will be the technology and services platform . There is probably a little bit of card issuance that goes into this.
Therefore, this might be a minor contributing factor if it is destined to succeed. But let's leave that aside. The biggest part that will be affected by this change, if they can get customers and merchants to adopt it, will be financial services revenues.
So, $1.77 billion in revenue over the past twelve months. This is where you will see cumulative benefit from stablecoin settlements and from the stablecoins themselves.
SoFi 的另一个好处将是稳定币本身。这种稳定币有资产支持，即储备金。这些储备金随后被投资于美国国债等资产，从而产生回报。目前，随着利率上升，这实际上对发行稳定币的公司有利。
The other benefit for SoFi would be the actual stablecoin itself. That stable currency has assets that support it, namely reserves. Those reserves are then invested in things like Treasury bonds, which generate returns.
Currently, with interest rates rising, this is actually beneficial for companies that issue stablecoins.
至少根据 CoinGecko 的数据，SoFi 的市值约为 3.2 亿美元。我们谈论的是一个规模小得多的代币，但如果 SoFi 真的能为它赢得一些采用并提高这一市值，那就是利息收入，他们将能够从中赚很多钱。
SoFi’s market capitalization, according to CoinGecko at least, is around $320 million. We're talking about a much smaller token , but if SoFi can actually achieve some adoption for this and increase that market capitalization, that's interest revenue they'll be able to make a lot of money from.
所以，这就是为什么我持有像 SoFi 这样的公司，它们在金融服务领域以数字化方式推动事情向前发展。我认为这类事情可能会让许多传统银行公司非常不安。这可能会吸引更多客户和消费者。
这也能帮助他们发展业务的商业端。无论那是面向运营并接受信用卡等支付方式的公司的商户端。
So, that's why I own companies like SoFi, where they're pushing things forward digitally in financial services. I think this is the kind of thing that might be really upsetting to a lot of traditional banking companies.
This may attract more customers and consumers. It can also help them develop the commercial side of their business. Whether that's the merchant side for companies that operate and accept things like credit cards.
这里的缺点是，SoFi 已经在金融服务板块通过信用卡产生的手续费赚取了相当多的钱。所以这里有很多需要消化，但我认为 SoFi 推动这些事情向前发展使其处于有利位置。我希望我持有的公司扮演进攻角色，而不是防守角色。
这无疑是他们在信用卡领域正在做的事情，他们正利用自己的 SoFi 稳定币，将这些路径从传统金融路径转向稳定币路径。所以我喜欢我在这里看到的东西。我认为从长远来看这是重大新闻，但请在下方评论区告诉我你的想法。
The downside here is that SoFi already makes a significant amount of money in the financial services sector from fees generated by credit cards. So there's a lot to absorb here, but I think SoFi's pushing these things forward puts it in a good position.
I want my companies to play an offensive role, not a defensive one. This is something they are certainly doing in the credit card space , where they are moving those pathways from traditional financial pathways to stablecoin pathways using their own SoFi stablecoin.
So I like what I see here. I think this is big news in the long run , but let me know what you think in the comments section below.
这个频道对 $SOFI 的历次判断
Asymmetric Investing by Travis Hoium 在这只股票上只有这一条判断。