西联汇款，全球龙头的资金转移公司，正在整合稳定币和区块链技术，以现代化其跨境支付基础设施。
 
在接受彭博社采访时，西联汇款首席执行官德文·麦格拉汉透露，该公司正在积极积极

西联汇款，这家全球龙头的汇款公司，正在整合稳定币和区块链技术，以现代化其跨境支付基础设施。

 

在接受彭博社采访时，西联汇款的首席执行官德文·麦格拉汉透露，该公司正在积极调整其基础设施和合作伙伴关系，以将这些技术整合到其全球支付网络中。

*“稳定币只是一个创新的机会，”麦格拉汉指出，对于这家已有175年历史的汇款公司来说，有三个关键机会。”*

![](http://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)*“我们看到的稳定币实际上是一个机会，而不是威胁。”*

 

他指出，西联汇款已经在南美和非洲实施新的结算流程，以便于更快的汇款和当地货币转换。

  

此外，McGranahan 强调了稳定币作为价值储存的作用，以及公司对此的关注：

*“对于我们全球许多客户来说，稳定币提供了一种在他们国家中难以实现的价值储存。因此，向我们的客户提供稳定币作为价值储存将是一个机会。”*

 

该公司还在探索稳定币的上下车合作伙伴关系：

*“我们也在探索与希望在世界不同地方建立入口和出口的合作伙伴的其他合作，以及我们如何能够使西联汇款的资金进出，从而使人们能够购买和出售稳定币，”麦格拉汉说。*

*“我们正在调查如何在我们的数字钱包中向全球客户提供稳定币产品，”他说，并指出这些举措将涉及与基础设施公司的合作。*

  

McGranahan 强调，稳定币在法币流动性差或成本高的国家特别有用。通过利用稳定币进行跨境结算，西联汇款可以提高交易效率并降低成本——特别是在传统银行服务有限的地区。

此举使得西联汇款成为越来越多采用区块链解决方案的金融机构之一，以升级全球汇款业务，这是一项数万亿美元的市场。近年来，PayPal、Visa 和 MoneyGram 等其他参与者也推出了区块链整合和稳定币倡议。

该公司未具体说明此集成目前上线的时间表或地区，但暗示随着数字资产的成熟和法规的演变将持续扩展。

稳定币正对传统汇款和跨境支付提供商施加越来越大的压力，因为它们提供了更快、更便宜和更易获取的替代方案。随着采用速度的加快，传统公司必须适应——否则就有可能落后。

尽管稳定币交易今天并不总是最低成本的选择，但根据BVNK的联合创始人兼董事总经理Chris Harmse的说法，它们正在通过提高流动性、更窄的价差和更智能的交易路由获得长期成本优势。随着风险管理的进步和法币与加密系统之间的更好整合，稳定币有望从根本上改变全球支付格局。

 

 

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Western Union, a global leader in money transfers, is now integrating stablecoins and blockchain technology to modernize its cross-border payment infrastructure.
 
Speaking in an interview with Bloomberg, Western Union’s CEO, Devin McGranahan, revealed that the company is actively actively

Western Union, a global leader in money transfers, is now integrating stablecoins and blockchain technology to modernize its cross-border payment infrastructure.

 

Speaking in an interview with Bloomberg, Western Union’s CEO, Devin McGranahan, revealed that the company is actively actively adapting its infrastructure and partnerships to integrate the technologies into its global payment rails.

*“Stablecoin is just one more opportunity to innovate,” McGranahan said, pointing out three key opportunities for the 175-year-old money transfer company.*

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)*“What we see is stablecoin really as an opportunity, not as a threat.”*

 

He noted that Western Union is already implementing new settlement processes in South America and Africa to facilitate quicker money transfers and local currency conversions.

  

In addition, McGranahan higlighted stablecoins as a store of value and how the company is looking to this:

*“For many of our customers around the world, a stablecoin presents a store of value that is tough to achieve in their country. So offering stablecoins as a store of value to our customers is going to be an opportunity.”*

 

The company is also exploring on and off-ramp partnerships for stablecoins:

*“We are also exploring other partnerships with people who want on ramps and off ramps in different parts of the world and how we could enable Western Union’s funds in and funds out to enable people to purchase and sell stablecoins,” said McGranahan.*

*“We’re investigating how we might offer stablecoin products in our digital wallets to our customers around the world,” he said, noting these initiatives would involve partnerships with infrastructure companies.*

  

McGranahan emphasized that stablecoins are particularly useful in countries with illiquid or expensive fiat currencies. By leveraging stablecoins for cross-border settlements, Western Union can improve transaction efficiency and lower costs – especially in areas with limited access to traditional banking services.

This move puts Western Union among a growing list of financial institutions adopting blockchain-based solutions to upgrade global remittances, a multi-trillion-dollar market. Other players like PayPal, Visa, and MoneyGram have also launched blockchain integrations and stablecoin initiatives in recent years.

The company did not specify a timeline or regions where this integration is currently live but hinted at continued expansion as digital assets mature and regulations evolve.

Stablecoins are putting increasing pressure on traditional remittance and cross-border payment providers by offering faster, cheaper, and more accessible alternatives. As adoption accelerates, legacy firms must adapt – or risk falling behind.

Although stablecoin transactions aren’t always the lowest-cost option today, they are gaining long-term cost advantages through increased liquidity, narrower spreads, and smarter transaction routing, according to Chris Harmse, Co-Founder and Managing Director at BVNK. With advancements in risk management and better integration between fiat and crypto systems, stablecoins are poised to fundamentally transform the global payments landscape.

 

 

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STABLECOINS | Western Union Already Implementing Stablecoin Settlement Processes in Africa, Says CEO

稳定币 | 西联汇款首席执行官表示，已经在非洲实施稳定币结算流程

Safaricom报告2023/2024年的收益超过10亿美元，这得益于其在肯尼亚的强劲业绩和M-PESA服务。该公司还在埃塞俄比亚的客户基础翻了一番，尽管面临挑战，但仍显示出增长。

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肯尼亚电信公司Safaricom在其2023/2024财年财报中表示，收入已超过十亿美元大关。

根据该公司的说法，截至2024年3月，其肯尼亚业务的息税前利润(EBIT)为1399亿肯尼亚先令($10.3亿)。

在集团层面，考虑到启动费用和对Safaricom Ethiopia的投资，集团的EBIT为KES 94.9亿($724.9百万)，显示出同比增长3.5%。

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)*“我们对作为一个团队在埃塞俄比亚业务中尽管启动成本巨大但仍能取得的成就感到非常满意。我们预计从2025年起，埃塞俄比亚将在集团层面为收入和利润的增长做出重要贡献，”* Safaricom PLC 首席执行官彼得·恩德瓦说。

 

* 该公司的收入增长了 13.4%，达到了 KES 335.3 亿 ($44.1 百万)
* M-PESA 占收入的 42.4%，金额为 1400亿肯尼亚先令 ($1840万)
* GSM业务贡献了52.7%，达到1739亿肯尼亚先令 ($2290万)
* M-PESA 的盈利增长得益于 B2B (39.8%) 和 P2P (15.4%) 支付的强劲表现，以及该公司全球支付平台的使用率上升，同比增加 20%.

在埃塞俄比亚，Safaricom的活跃客户基础翻倍至440万，并建立了一个目前规模几乎是肯尼亚网络一半的网络。

尽管基础设施覆盖率已扩大到超过30%的人口，并且M-PESA用户数量在上升，但电信公司仍面临挑战，包括埃塞俄比亚比尔的贬值。

 

*“我们对埃塞俄比亚的商业势头感到满意，并自豪地表示，我们能够与90%是埃塞俄比亚人的Safaricom埃塞俄比亚团队一起实现这一势头，”* Ndegwa说。

 

Ndegwa指出，公司向以目标为导向的科技公司转型是促使其投资的关键因素，这使其能够创造更多的效率和更好的客户互动。

 

*“我们能够更直观地预测和服务我们的客户，同时与我们的社区合作解决他们的社会挑战。由于我们对客户的锐利关注，我们现在在肯尼亚已成为一个十亿美元的企业，”* Ndegwa 说。

 

 

 

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Safaricom has reported earnings exceeding $1 billion for 2023/2024, driven by strong performance in its Kenyan operations and M-PESA services. The company also doubled its customer base in Ethiopia, highlighting growth despite challenges.

Kenyan telco, Safaricom, has surpassed the billion-dollar threshold in earnings, the company said in its full-year 2023/2024 earnings report.

According to the firm, earnings before interest and tax (EBIT) for its Kenyan business were KES 139.9 billion ($1.03 billion) for the period ending March 2024.

On a group level, considering the inclusion of startup expenses and investments in Safaricom Ethiopia, the group concluded with an EBIT of KES 94.9 billion ($724.9 million), indicating a year-on-year growth of 3.5%.

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)*“We are extremely pleased with what we have been able to achieve as a group despite the significant start-up costs in our Ethiopia business. We expect that from 2025, Ethiopia will start being a significant growth contributor at group level for both top and bottom line,”* Peter Ndegwa, Safaricom PLC CEO said.

 

* The company saw a revenue increase of 13.4%, reaching KES 335.3 billion ($44.1 million)
* M-PESA accounted for 42.4% of the revenue, amounting to KES 140 billion ($18.4 million)
* The GSM business contributed 52.7% at KES 173.9 billion ($22.9 million)
* M-PESA’s growing profitability was driven by strong performance in B2B (39.8%) and P2P (15.4%) payments and rising uptake of the firm’s global payments platform which rose 20% year-on-year

In Ethiopia, Safaricom has doubled its active customer base to 4.4 million and has established a network that is currently nearly half the size of Kenya’s network.

Despite infrastructure coverage expanding to over 30% of the population and rising M-PESA numbers, the telco has faced challenges including the depreciation of the Ethiopian Birr.

 

*“We are hence pleased with commercial momentum in Ethiopia and proud that we have been able to deliver this momentum with a Safaricom Ethiopia team that is 90% Ethiopians,”* said Ndegwa.

 

Ndegwa noted that the company’s shift towards being a purpose-led technology company was a key factor in investments that enabled it to create more efficiencies and better customer engagement.

 

*“We are able to anticipate and serve our customers more intuitively while engaging our communities to solve their societal challenges. As a result of our razor-sharp focus on our customers, we are now a billion-dollar business in Kenya,”* Ndegwa said.

 

 

 

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稳定币 | 西联汇款首席执行官表示，已经在非洲实施稳定币结算流程

里程碑 | Safaricom 成为东非第一家公司，凭借 M-PESA 贡献超过 40% 的收入，达到 10 亿美元