6 月 8 日，Airwallex 联合创始人兼首席执行官 Jack Zhang 在 X 平台发文质疑稳定币的实际用途。
「投资者不断向我询问有关稳定币的问题，以及它如何降低外汇费用；如果你将钱从美元汇到欧元，而收款方仍然需要在他们的银行收到欧元，看不出稳定币有任何方法可以降低费用——从稳定币到收款货币的转换成本远高于外汇银行间市场。加密技术是一个未能理解过的领域，过去 15 年来仍未看到任何加密技术的应用案例。」

<div><p>6 月 8 日，Airwallex 联合创始人兼首席执行官 Jack Zhang 在 X 平台发文质疑稳定币的实际用途。</p><p>「投资者不断向我询问有关稳定币的问题，以及它如何降低外汇费用；如果你将钱从美元汇到欧元，而收款方仍然需要在他们的银行收到欧元，看不出稳定币有任何方法可以降低费用——从稳定币到收款货币的转换成本远高于外汇银行间市场。加密技术是一个未能理解过的领域，过去 15 年来仍未看到任何加密技术的应用案例。」</p></div>

Airwallex CEO质疑稳定币实用性：难以替代传统跨境支付

On June 8, <Jack Zhang>, co-founder and CEO of Airwallex, questioned the actual use of stablecoins on the X platform.

"Investors continuously ask me questions about stablecoins and how they can reduce foreign exchange fees; if you transfer money from US dollars to euros, and the recipient still needs to receive euros in their bank, I cannot see how stablecoins can reduce any fees—the conversion cost from stablecoins to the recipient's currency is far higher than the interbank foreign exchange market. Crypto technology is an area that remains misunderstood, and in the past 15 years, I have not seen any practical application cases for crypto technology."

<div><p>On June 8, Airwallex co-founder and CEO Jack Zhang questioned the actual use of stablecoins on the X platform.</p><p>"Investors constantly ask me about stablecoins and how they can reduce foreign exchange fees; if you transfer money from US dollars to euros, and the recipient still needs to receive euros in their bank, I cannot see how stablecoins can reduce any fees—the conversion cost from stablecoins to the recipient's currency is far higher than the interbank foreign exchange market. Crypto technology is an area that remains misunderstood, and in the past 15 years, I have not seen any practical application cases for crypto technology."</p></div>

Airwallex CEO questions the practicality of stablecoins: it is difficult to replace traditional cross-border payments

Over the past six months, I've gone from being an observer of Web3 to entering the payment industry. Now, I've chosen to stop and cease working on Web3 payments.

This isn't a retreat after a failure, but rather a judgment and adjustment made after truly getting involved. In these past six months, I've traveled to Yiwu, Shuibei, Putian, and even Mexico, seeing how payments are actually implemented in the most prominent places mentioned in reports. I've also been involved, building a Web3 payment MVP, taking over accounts, developing Web3 payment tools, and trying to run my imagined path from the first step to the last.

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