Kebijakan Sprint Inggris Temukan Pembayaran Lintas Batas sebagai Kasus Penggunaan Utama Stablecoin

cointelegraphОпубліковано о 2026-07-29Востаннє оновлено о 2026-07-29

Анотація

Laporan "Stablecoin Sprint" dari Otoritas Perilaku Keuangan Inggris (FCA) menyimpulkan bahwa pembayaran lintas batas negara merupakan kasus penggunaan stablecoin yang paling jelas dan langsung dalam jangka pendek. Inisiatif kebijakan yang melibatkan bank, perusahaan pembayaran, dan penerbit stablecoin ini menemukan bahwa aset kripto tersebut menawarkan keuntungan terbesar untuk pengiriman uang ke luar negeri, terutama di pasar berkembang dengan akses terbatas ke dolar AS. Sebaliknya, adopsi stablecoin untuk pembayaran eceran di dalam Inggris diperkirakan akan lebih lambat karena metode pembayaran domestik yang ada dinilai sudah cepat dan murah, sehingga konsumen kurang memiliki insentif untuk beralih. Temuan ini telah memengaruhi aturan final FCA yang mewajibkan stablecoin yang diterbitkan di Inggris didukung penuh oleh aset cadangan dan dapat ditebus pada nilai pari, serta akan membentuk kebijakan regulator di masa depan.

Menurut hasil dari Stablecoin Sprint Otoritas Perilaku Keuangan, pembayaran lintas batas adalah kasus penggunaan jangka dekat yang paling jelas untuk stablecoin, sementara adopsi konsumen dalam pembayaran ritel di Inggris kemungkinan akan lebih lambat.

FCA menerbitkan temuan dari inisiatif kebijakan Maret lalu yang menghimpun bank, perusahaan pembayaran, penerbit stablecoin, dan peserta industri lainnya untuk mengeksplorasi bagaimana stablecoin dapat digunakan.

Para peserta menyatakan bahwa stablecoin menawarkan keunggulan terbesar untuk pembayaran lintas batas, khususnya di pasar berkembang dengan akses terbatas ke dolar AS, tetapi memberikan lebih sedikit manfaat di koridor pembayaran utama di mana sistem yang ada sudah cepat dan relatif murah.

Para peserta juga menyatakan bahwa konsumen domestik Inggris memiliki sedikit insentif untuk beralih karena metode pembayaran yang ada sudah cepat dan murah, meskipun pedagang dapat memperoleh manfaat dari biaya yang lebih rendah dan penyelesaian yang lebih cepat.

Temuan ini menjadi masukan bagi peraturan final FCA pada 30 Juni yang mewajibkan stablecoin yang diterbitkan di Inggris untuk didukung penuh oleh aset cadangan dan dapat ditebus pada nilai par. Regulator menyatakan bahwa umpan balik ini juga akan membentuk kebijakan masa depan mereka mengenai pembayaran stablecoin.

Terhubung: MetaMask luncurkan akun hasil stablecoin dengan pembelanjaan kartu

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QMenurut laporan Financial Conduct Authority (FCA) tentang Stablecoin Sprint, apa kasus penggunaan stablecoin yang paling jelas untuk jangka pendek?

AMenurut temuan FCA Stablecoin Sprint, kasus penggunaan stablecoin yang paling jelas untuk jangka dekat adalah pembayaran lintas batas.

QApa manfaat utama stablecoin dalam pembayaran lintas batas menurut peserta sprint kebijakan tersebut?

APeserta menyatakan bahwa stablecoin menawarkan keuntungan terbesar untuk pembayaran lintas batas, terutama di pasar negara berkembang yang aksesnya terhadap Dolar AS terbatas.

QMengapa adopsi stablecoin oleh konsumen ritel di Inggris diperkirakan akan lebih lambat?

AAdopsi oleh konsumen ritel di Inggris diperkirakan lebih lambat karena konsumen domestik memiliki sedikit insentif untuk beralih, mengingat metode pembayaran yang ada sudah cepat dan tidak mahal.

QAturan final apa yang diterbitkan FCA pada 30 Juni berdasarkan temuan dari sprint kebijakan ini?

ABerdasarkan temuan tersebut, FCA menerbitkan aturan final pada 30 Juni yang mengharuskan stablecoin yang diterbitkan di Inggris didukung sepenuhnya oleh aset cadangan dan dapat ditebus pada nilai pari.

QMenurut peserta, pihak mana selain konsumen yang mungkin mendapat manfaat dari penggunaan stablecoin dalam pembayaran domestik Inggris?

APeserta menyebutkan bahwa pedagang (merchant) dapat memperoleh manfaat dari biaya yang lebih rendah dan penyelesaian transaksi yang lebih cepat dengan penggunaan stablecoin dalam pembayaran domestik Inggris.

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Kebijakan Sprint Inggris Temukan Pembayaran Lintas Batas sebagai Kasus Penggunaan Utama Stablecoin

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