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Visa对数字加密货币的布局,开始获得回报

Visa对数字加密货币的布局,开始获得回报

Rey Mashayekhi 2021年07月19日
这家信用卡公司很早就开始投资有潜力的金融科技颠覆者,并与他们建立合作。

如今,几乎所有的金融服务公司都在为有可能颠覆其日常经营模式的技术变革做准备。银行知道无网点银行和纯网上银行将是未来的趋势,而经纪商则在尝试通过简单易用的交易应用程序和基于算法的机器人智能顾问,推行投资“民主化”。

Visa公司也早已意识到这一点。虽然这家支付业巨头的市值超过5,000亿美元,但它依旧在尝试调整公司的定位。如今,从PayPal到美联储(Federal Reserve)的即时结算网络,手机钱包和实时支付威胁着传统的现金和银行卡交易,而Visa很早就开始布局,投资有潜力的金融科技颠覆者,并与他们建立合作。

Visa的全球总裁麦凯恩(Ryan McInerney)曾经在今年5月对《财富》杂志说:“我们在多年前看到这股[金融科技]浪潮兴起,而且我们很早就决定要向这个领域倾斜。”无论是推出支持Apple Pay和Google Pay等手机钱包的支付系统,还是与Wise和Remitly等国际汇款初创公司合作,Visa已经全面进军快速数字化的支付领域。

Visa的策略还包括加密货币领域。Visa在近几年与Coinbase、Circle和FTX等公司建立了合作关系。该公司的目标是更方便用户使用加密货币,在这些平台上购买商品和服务,同时通过与这种不断增值的资产类别相关的交易,为Visa开辟新的收入渠道。到目前为止,Visa在加密货币领域的投入似乎正在带来回报。

上周,Visa披露其通过银行卡计划,与不少于50个加密货币平台建立了合作,“方便全世界7,000万个商户兑换和消费数字货币。”此外,该公司还披露,仅2021年上半年,该公司通过加密货币关联的Visa银行卡处理的交易,规模超过10亿美元。在此之前,Visa曾经于今年3月宣布,公司首次利用虚拟货币进行交易结算,其当时使用的是由Circle投资的稳定货币美元代币(USDC)。

在今年6月由加拿大皇家银行资本市场(RBC Capital Markets)主办的金融科技大会上,Visa的执行副总裁兼北美地区总裁奥利弗•詹金表示:“我们希望成为连通普通世界和加密货币世界的桥梁。假如你的账户里有100万美元比特币,如果你想买一个汉堡,这笔交易很难实现。但如果你把加密货币钱包或者加密货币交易账户关联到一张Visa卡,你就可以把比特币兑换成法定货币,用来买汉堡和薯条。”

Visa去年处理的借记卡和信用卡交易规模接近11.4万亿美元,目前其加密货币平台仍然显得微不足道。但这个平台的价值远远超过Visa通过加密货币关联银行卡所产生的手续费;未来如果加密货币的应用范围继续扩大,该公司就肯定能够从中受益。

Visa在加密货币领域的策略符合其整体金融科技策略。美国银行(Bank of America)的分析师贾森•库普费尔贝格曾经在今年早些时候告诉《财富》杂志,对于Visa的网络而言,“[金融科技]并不会造成破坏性影响,而是会创造更多分销点”。

Visa的金融科技策略并非全都取得了成功。该公司曾经计划以53亿美元收购金融数据提供商Plaid,但在美国司法部(Justice Department)的反垄断调查之后双方被迫放弃了该计划。按照一位Visa高管的说法,调查暴露出这家新金融科技公司对Visa业务的威胁,就像一座“火山”一样,令其坐立不安。

但在这笔交易失败之后,Visa重整旗鼓,在今年6月宣布收购瑞典金融科技初创公司Tink。该公司在欧洲经营类似于Plaid的开放银行平台。该笔交易的估值超过21亿美元。

未来,与金融科技革命的其他要素一样,加密货币将成为Visa整体数字策略的重要组成部分,并且其重要性将与日俱增。Visa的加密货币业务负责人库伊•谢菲尔德在上周对The Block称,前四个月,Visa的加密货币公司合作伙伴数量增加了40%。

晨星公司(Morningstar)的分析师布雷特•霍恩告诉《财富》杂志:“如果让我来预测哪一家[金融服务]公司将在未来20年维持当前的竞争地位,我对Visa最有信心。[金融科技]领域会持续发展,但不要忘了他们目前以及未来几年所拥有的巨大优势。”(财富中文网)

翻译:刘进龙

审校:汪皓

如今,几乎所有的金融服务公司都在为有可能颠覆其日常经营模式的技术变革做准备。银行知道无网点银行和纯网上银行将是未来的趋势,而经纪商则在尝试通过简单易用的交易应用程序和基于算法的机器人智能顾问,推行投资“民主化”。

Visa公司也早已意识到这一点。虽然这家支付业巨头的市值超过5,000亿美元,但它依旧在尝试调整公司的定位。如今,从PayPal到美联储(Federal Reserve)的即时结算网络,手机钱包和实时支付威胁着传统的现金和银行卡交易,而Visa很早就开始布局,投资有潜力的金融科技颠覆者,并与他们建立合作。

Visa的全球总裁麦凯恩(Ryan McInerney)曾经在今年5月对《财富》杂志说:“我们在多年前看到这股[金融科技]浪潮兴起,而且我们很早就决定要向这个领域倾斜。”无论是推出支持Apple Pay和Google Pay等手机钱包的支付系统,还是与Wise和Remitly等国际汇款初创公司合作,Visa已经全面进军快速数字化的支付领域。

Visa的策略还包括加密货币领域。Visa在近几年与Coinbase、Circle和FTX等公司建立了合作关系。该公司的目标是更方便用户使用加密货币,在这些平台上购买商品和服务,同时通过与这种不断增值的资产类别相关的交易,为Visa开辟新的收入渠道。到目前为止,Visa在加密货币领域的投入似乎正在带来回报。

上周,Visa披露其通过银行卡计划,与不少于50个加密货币平台建立了合作,“方便全世界7,000万个商户兑换和消费数字货币。”此外,该公司还披露,仅2021年上半年,该公司通过加密货币关联的Visa银行卡处理的交易,规模超过10亿美元。在此之前,Visa曾经于今年3月宣布,公司首次利用虚拟货币进行交易结算,其当时使用的是由Circle投资的稳定货币美元代币(USDC)。

在今年6月由加拿大皇家银行资本市场(RBC Capital Markets)主办的金融科技大会上,Visa的执行副总裁兼北美地区总裁奥利弗•詹金表示:“我们希望成为连通普通世界和加密货币世界的桥梁。假如你的账户里有100万美元比特币,如果你想买一个汉堡,这笔交易很难实现。但如果你把加密货币钱包或者加密货币交易账户关联到一张Visa卡,你就可以把比特币兑换成法定货币,用来买汉堡和薯条。”

Visa去年处理的借记卡和信用卡交易规模接近11.4万亿美元,目前其加密货币平台仍然显得微不足道。但这个平台的价值远远超过Visa通过加密货币关联银行卡所产生的手续费;未来如果加密货币的应用范围继续扩大,该公司就肯定能够从中受益。

Visa在加密货币领域的策略符合其整体金融科技策略。美国银行(Bank of America)的分析师贾森•库普费尔贝格曾经在今年早些时候告诉《财富》杂志,对于Visa的网络而言,“[金融科技]并不会造成破坏性影响,而是会创造更多分销点”。

Visa的金融科技策略并非全都取得了成功。该公司曾经计划以53亿美元收购金融数据提供商Plaid,但在美国司法部(Justice Department)的反垄断调查之后双方被迫放弃了该计划。按照一位Visa高管的说法,调查暴露出这家新金融科技公司对Visa业务的威胁,就像一座“火山”一样,令其坐立不安。

但在这笔交易失败之后,Visa重整旗鼓,在今年6月宣布收购瑞典金融科技初创公司Tink。该公司在欧洲经营类似于Plaid的开放银行平台。该笔交易的估值超过21亿美元。

未来,与金融科技革命的其他要素一样,加密货币将成为Visa整体数字策略的重要组成部分,并且其重要性将与日俱增。Visa的加密货币业务负责人库伊•谢菲尔德在上周对The Block称,前四个月,Visa的加密货币公司合作伙伴数量增加了40%。

晨星公司(Morningstar)的分析师布雷特•霍恩告诉《财富》杂志:“如果让我来预测哪一家[金融服务]公司将在未来20年维持当前的竞争地位,我对Visa最有信心。[金融科技]领域会持续发展,但不要忘了他们目前以及未来几年所拥有的巨大优势。”(财富中文网)

翻译:刘进龙

审校:汪皓

These days, virtually all financial services companies are bracing for technological disruption that promises to upend business as usual. Banks know that going branchless and online-only is the future, while brokerages are trying to “democratize” investing with easy-to-use trading apps and algorithm-based robo-advisors.

Visa is well aware of this. Despite a market capitalization of more than $500 billion, the payments behemoth is trying to reposition itself accordingly. In a world in which mobile wallets and real-time payments—from PayPal to the Federal Reserve’s instant settlement network—threaten traditional cash and card transactions, the company has invested in and teamed up with would-be fintech disruptors before they can disrupt too much.

“Many years ago, we saw the beginnings of this [fintech] wave coming, and early on we decided we’re absolutely going to lean into this,” Visa president Ryan McInerney told Fortune in May. Whether it’s deploying its payment system to enable mobile wallets like Apple Pay and Google Pay, or partnering with international remittance startups like Wise and Remitly, Visa has its fingerprints all over the rapidly digitizing world of moving money.

That strategy extends to cryptocurrency, which Visa has pushed into in recent years by establishing relationships with the likes of Coinbase, Circle, and FTX, among others. The goal is to make it easier for users of those platforms to buy products and services with their cryptocurrencies, while also giving Visa new revenue opportunities from transactions involving a proliferating asset class. So far, that bet appears to be paying off.

Last week, Visa disclosed that it has partnered with no less than 50 crypto platforms via card programs that “make it easy to convert and spend digital currency at 70 million merchants worldwide.” What’s more, the company revealed that it had facilitated more than $1 billion in transactions via crypto-linked Visa cards in the first half of 2021 alone. That comes in the wake of Visa having announced in March that, for the first time, it had settled a transaction using a virtual currency—in that case, the Circle-backed stablecoin known as USD Coin (USDC).

“We want to be an on-ramp and an off-ramp between the regular world and the crypto world,” Oliver Jenkyn, Visa’s executive vice president and regional president for North America, said in June at a fintech conference hosted by RBC Capital Markets. “If you’ve got $1 million in Bitcoin in your account, for example, and you want to go buy a burger, it’s very difficult to actually make that transaction happen. But if you put a Visa card in front of that crypto wallet or crypto exchange account, then you can convert that back to fiat currency [and] go buy your burger and fries.”

At this point, Visa’s crypto platform remains a minuscule piece of a business that processed nearly $11.4 trillion in debit and credit card transactions globally last year. But the value of its efforts lay far beyond the fees Visa currently generates from its crypto-linked cards; should crypto continue to grow in use in the coming years, the company is counting that it will be in prime position to benefit.

It is an approach in line with Visa’s overall fintech strategy—one where “rather than [fintech] being a disruptive influence, it actually creates more distribution points” for Visa’s network, Bank of America analyst Jason Kupferberg told Fortune earlier this year.

Not all elements of Visa’s fintech strategy have succeeded. Its proposed $5.3 billion acquisition of financial data provider Plaid fell apart publicly last year after a Justice Department antitrust lawsuit laid bare the company’s insecurities about a burgeoning fintech “volcano," as one Visa executive phrased it, that threatened its business.

But Visa has since rebounded from the scuppered deal, having announced the acquisition in June of Swedish fintech startup Tink, which operates a Europe-focused open banking platform similar to Plaid’s. That deal is valued at more than $2.1 billion.

Moving forward, crypto is as critical a part of Visa’s overall digital strategy as any facet of the broader fintech revolution—and one growing in importance. Cuy Sheffield, Visa’s head of crypto, told The Block last week that the company had increased its number of partnerships with crypto firms more than 40% in the previous four months alone.

“If I’m banking on a [financial services] company to maintain their current competitive position 20 years from now, one I feel most confident in is Visa,” Morningstar analyst Brett Horn told Fortune. “The [fintech] space does continue to evolve, but you never want to forget the massive advantage they enjoy, and likely will for years to come.”

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