PayPal 也要提供加密貨幣服務

先是看到「PayPal to allow cryptocurrency buying, selling and shopping on its network」這篇,另外翻到了 PayPal 的新聞稿:「PayPal Launches New Service Enabling Users to Buy, Hold and Sell Cryptocurrency」。

幾個比較重要的地方是,這次會提供的是 BitcoinEthereumBitcoin Cash 以及 Litecoin 這四種:

To increase consumer understanding and adoption of cryptocurrency, the company is introducing the ability to buy, hold and sell select cryptocurrencies, initially featuring Bitcoin, Ethereum, Bitcoin Cash and Litecoin, directly within the PayPal digital wallet.

會先提供美國 PayPal 的使用者使用,然後再展到其他服務以及地區:

The service will be available to PayPal accountholders in the U.S. in the coming weeks. The company plans to expand the features to Venmo and select international markets in the first half of 2021.

另外這次的服務也不是自己跳進去搞,而是透過 Paxos Trust Company 建立起防火牆,所以當加密貨幣那邊出包的時候大概就會切割出來:

The service is enabled in the U.S. through a partnership with Paxos Trust Company, a regulated provider of cryptocurrency products and services.

比較像是個嘗試,只是這個主題很適合發新聞稿...

索馬利亞愈來愈發達的行動支付

索馬利亞的行動支付愈來愈發達:「More phones, few banks and years of instability are transforming Somalia to a cashless society」。

Now, it is one of at least three companies offering mobile money transfers in Somalia, where 51 out of every 100 people has a mobile subscription (compared to 22, only three years ago), and around 40% of adults use mobile money accounts, according to 2014 data from the World Bank (">pdf).

行動支付的流行,原因包括了缺乏零售銀行 (也就是服務據點),加上戰爭因素:

[,] the lack of retail banking in Somalia and fears of continued unrest—Al-Shabaab continues to occasionally stage attacks throughout the country—have made the service vital to Somalia’s reconstruction. Hormuud holds the cash, acting in essence like a bank.

時代創造英雄的感覺...