最有看点的互联网金融门户

最有看点的互联网金融门户
区块链国际资讯基于互联网平台的金融业务

Circle利用区块链推出零手续费跨境转账服务

6月14日,美国比特币公司Circle宣布将针对美国和欧洲的用户推出免手续费的跨境转账服务,进一步消除跨境汇款的边界限制。

Circle表示,该服务使用了比特币底层技术区块链,允许用户即时相互转账,无手续费。最主要的是,Circle用户能直接将本地货币转账给国外朋友,而后者可以直接提取当地货币。这是因为Circle Pay会将初始货币转换为比特币,资金经过区块链会转账给收款人的比特币地址,而如果对方不想要比特币的话,还会再转换为当地货币。

自Jeremy Allaire 在 2013 年 10 月成立 Circle以来,该公司迅速获得了大量融资。2014年,该公司从 Breyer Capital, Accel Partners、General Catalyst Partners 和 Pantera Capital 等投资商那获得 2700 万美元。之后的两年,Circle又分别从高盛集团和百度分别获得了大量融资。

Circle首席执行官兼创始人Jeremy Allaire表示,公司一直致力于宣传混合数字化经济的概念,利用比特币作为免费的互联网支付网络,使各国法定货币在全球范围内毫无阻碍地顺畅流转。

Jeremy Allaire认为,该项新服务将会进一步模糊法定货币和数字货币之间的界线,但同时保有两种系统的最优特质。有利于选择美元或欧元作为货币的用户可以受到保险公司或银行保护,不用承担数字货币价值急剧变化所导致的损失。同时,美元或欧元的持有人还可以轻松地向任何比特币接收人完成支付。

据统计,2016年Circle共处理交易额度超过10亿美元,全年用户数量增长率超过1000%。目前,该公司数字资产总值已达到8亿美元。

June 15 - Blockchain-based payments startup Circle Internet Financial on Thursday launched an international online money transfer service that allows people in the United States and Europe to send money to each other instantly and at no cost as it seeks to tear down borders in the payments world.

Boston-based Circle Internet operates its app-based peer-to-peer payment network using blockchain, the technology which first emerged as the system underpinning cryptocurrency bitcoin.

One of the most well-funded blockchain startups, its investors include Goldman Sachs Group Inc and Baidu Inc .

Circle Internet's international money transfer service, built on a type of blockchain called Ethereum, will allow customers to send payments between U.S. dollars, British pound sterling or euros on their mobile phones. There are no fees or foreign exchange mark-ups.

International payments, according to Circle's chief executive officer and founder, Jeremy Allaire, should not take days to be processed and should be as easy and frictionless as sending an email.

Circle, which processed over $1 billion in transactions in 2016 and whose customer base increased more than 10-fold in the year up to last month, does not make money from its payments service, nor does it plan to, as it reckons consumers expect these services to be free.

"We don't think there is any money to be made in payments anymore," said Allaire. "The entire business model of extracting a toll or having time delays around the movement of value is going away completely."

Instead, the company makes money by trading bitcoin and other cryptocurrencies, both on digital currency exchanges and over the counter, at a time when the value of such web-based currencies has reached record highs. Last month alone, Circle traded over $800 million in digital assets, it said in a statement.


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