Coinbase 通过新的“点击支付”功能挑战传统支付巨头
Coinbase 钱包负责人兼 Base 创始人 Jesse Pollak 宣布为 Coinbase 钱包引入新的“点击支付”功能。他透露，Coinbase 非托管加密钱包解决方案计划于 2025 年推出，将与 PayPal、 Cash App 和 Venmo 等巨头竞争。
Pollak 于 11 月 13 日在曼谷举行的 DevCon 会议上发表讲话，声称该加密解决方案目前正在进行内部 alpha 测试，即将在近 50 个国家全面推出。他补充说，新功能将为商户提供更好、更快、更全球化的点击支付体验。
Coinbase 钱包推出了用于加密支付的点击支付功能
#CMCNews ：Coinbase 钱包将宣布一项新的“点击支付”服务。 https://t.co/9kA2kAl6ME
— CoinMarketCap (@CoinMarketCap) 2024 年 11 月 15 日
According to Pollak, the new innovation was centered on combining crypto digital infrastructure with traditional banking systems. He added that the feature would allow users to receive stablecoin payments like Tether and USDC, which could easily be converted to local currencies. Pollak disclosed that the hybrid system would unlock better interest rates for users and close the gap between digital assets and conventional banking. Additionally, he believed the solution would serve as a path toward superior economic outcomes.
Reportedly, this development came as Coinbase’s Layer 2 blockchain solution, Base, was almost solving Ethereum’s interoperability issues on L2. Pollak emphasized that the interoperability solution could enhance the way users interfaced with different blockchain networks. He added that the seamless token transfer between Base and Ethereum L2 networks like Arbitrum One, Blast, and OP mainnet could unite an ecosystem, securing over $42 billion in value.
“They work together…basically so you can have a wallet that can execute across every L2…It will no longer be all these fragmented L2s. It’ll instead be your wallet to let you work everywhere.”
~ Jesse Pollak
Pollak explained that this particular issue was being prioritized and getting solved faster through two key specifications. The first one, ERC-7693, introduced an interoperability standard for cross-chain transfers. The second one, RIP-7755, would enable trustless execution between chains.
Coinbase acquires Utopia Labs to advance its tap-to-pay solution
According to Pollak, Coinbase signaled its commitment to enhancing on-chain payments through the acquisition of Utopia Labs. The acquisition aimed to strengthen Coinbase’s on-chain payment infrastructure. Pollak added that the Utopia Labs team brought deep experience in building on-chain payment products. He also pointed out Utopia Labs’ track record of moving the crypto ecosystem forward.
Pollak insisted that the tap-to-pay feature would encourage more people to manage their finances directly on-chain by providing advantages like high-speed transactions and lower fees. He pointed out that improving user experience was essential as demand for stablecoins had continued to surge. Pollak disclosed that Coinbase was ready to tap into stablecoin transactions that had reached $8.5 trillion across 1.1 billion transactions in Q2 2024.
Pollak highlighted the synergy between Coinbase, Base, and Utopia Labs, noting that Base’s support for developers creating on-chain applications attracted users that Coinbase onboarded. Therefore, he added, Utopia Labs’ expertise would be directed at achieving Coinbase’s goal of a low-cost, fast, global payment system. He also insisted that Utopia Labs fits Coinbase’s strategic direction of supporting scalable and user-friendly solutions for digital finance.
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