{"id":4963,"date":"2026-01-26T08:14:18","date_gmt":"2026-01-26T08:14:18","guid":{"rendered":"https:\/\/www.tevau.co\/?p=4963"},"modified":"2026-01-26T08:43:39","modified_gmt":"2026-01-26T08:43:39","slug":"stablecoin-tai-chau-a-tu-nhung-kho-khan-den-giai-phap-thanh-toan-thuc-tien","status":"publish","type":"post","link":"https:\/\/www.tevau.co\/vi\/stablecoin-tai-chau-a-tu-nhung-kho-khan-den-giai-phap-thanh-toan-thuc-tien\/","title":{"rendered":"Stablecoin t\u1ea1i ch\u00e2u \u00c1: T\u1eeb nh\u1eefng kh\u00f3 kh\u0103n \u0111\u1ebfn gi\u1ea3i ph\u00e1p PayFi th\u1ef1c ti\u1ec5n"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi \u1edf ch\u00e2u \u00c1 v\u1eabn c\u00f2n... <strong>ch\u1eadm (3\u20135 ng\u00e0y)<\/strong> V\u00e0 <strong>\u0111\u1eaft ti\u1ec1n (th\u01b0\u1eddng l\u00e0 5\u20138%)<\/strong>\u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u00ean c\u00e1c h\u00e0nh lang chuy\u1ec3n ti\u1ec1n. <strong><a href=\"https:\/\/coinmarketcap.com\/view\/stablecoin\/\" target=\"_blank\" rel=\"noopener\">Ti\u1ec1n \u1ed5n \u0111\u1ecbnh<\/a><\/strong>\u2014C\u00e1c lo\u1ea1i ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0 \u0111\u00f4 la M\u1ef9 ho\u1eb7c m\u00e3 th\u00f4ng b\u00e1o ti\u1ec1n t\u1ec7 \u0111\u1ecba ph\u01b0\u01a1ng tr\u00ean chu\u1ed7i kh\u1ed1i ho\u1ea1t \u0111\u1ed9ng 24\/7\u2014c\u00f3 th\u1ec3 r\u00fat ng\u1eafn th\u1eddi gian ch\u1edd \u0111\u1ee3i, gi\u1ea3m t\u1ed5ng chi ph\u00ed v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c quy tr\u00ecnh ph\u1ee9c t\u1ea1p. Ch\u00ednh s\u00e1ch \u0111ang nhanh ch\u00f3ng b\u1eaft k\u1ecbp: <strong>Nh\u1eadt B\u1ea3n, Singapore v\u00e0 H\u1ed3ng K\u00f4ng<\/strong> Hi\u1ec7n nay \u0111\u00e3 c\u00f3 nh\u1eefng l\u1ed9 tr\u00ecnh r\u00f5 r\u00e0ng nh\u1ea5t \u0111\u1ec3 ph\u00e1t h\u00e0nh stablecoin tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh; <strong>H\u00e0n Qu\u1ed1c<\/strong> \u0111ang x\u00e2y d\u1ef1ng; <strong>\u0110\u00e0i Loan<\/strong> \u0111ang quan s\u00e1t; <strong>Trung Qu\u1ed1c \u0111\u1ea1i l\u1ee5c<\/strong> V\u1eabn \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V\u1ea5n \u0111\u1ec1 nan gi\u1ea3i v\u1ec1 thanh to\u00e1n t\u1ea1i ch\u00e2u \u00c1<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0110\u01b0\u1eddng ray r\u1eddi r\u1ea1c:<\/strong> H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng \u0111\u1ea1i l\u00fd truy\u1ec1n th\u1ed1ng l\u00e0m t\u0103ng th\u00eam c\u00e1c b\u01b0\u1edbc trung gian, ph\u00ed v\u00e0 s\u1ef1 ch\u1eadm tr\u1ec5.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/marketresearchsoutheastasia.com\/insights\/articles\/southeast-asia-remittance-flows-shape-spending\" target=\"_blank\" rel=\"noopener\">Chi ph\u00ed chuy\u1ec3n ti\u1ec1n cao<\/a>:<\/strong> C\u00e1c tuy\u1ebfn \u0111\u01b0\u1eddng ti\u00eau d\u00f9ng th\u00f4ng th\u01b0\u1eddng v\u00e0o Nam v\u00e0 \u0110\u00f4ng Nam \u00c1 v\u1eabn th\u01b0\u1eddng \u0111i qua khu v\u1ef1c xung quanh. <strong>~5\u20138%<\/strong> Khi b\u1ea1n t\u00ednh c\u1ea3 ph\u00ed v\u00e0 ch\u00eanh l\u1ec7ch t\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i th\u00ec con s\u1ed1 n\u00e0y s\u1ebd cao h\u01a1n nhi\u1ec1u. <strong>3% c\u1ee7a Li\u00ean H\u1ee3p Qu\u1ed1c<\/strong> m\u1ee5c ti\u00eau.<\/li>\n\n\n\n<li><strong>Th\u1eddi gian thanh to\u00e1n t\u1eeb 3-5 ng\u00e0y:<\/strong> Vi\u1ec7c t\u1ea1m ng\u1eebng giao d\u1ecbch ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c ng\u00e0y l\u1ec5 l\u00e0m \u0111\u00ecnh tr\u1ec7 d\u00f2ng ch\u1ea3y th\u01b0\u01a1ng m\u1ea1i xuy\u00ean bi\u00ean gi\u1edbi.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.adb.org\/news\/demand-trade-finance-rise-amid-supply-chain-realignment-adb-report\" target=\"_blank\" rel=\"noopener\">kho\u1ea3ng c\u00e1ch t\u00e0i ch\u00ednh SME<\/a>:<\/strong> M\u1ed8T <strong>nhi\u1ec1u ngh\u00ecn t\u1ef7 \u0111\u00f4 la<\/strong> Thi\u1ebfu h\u1ee5t t\u00e0i ch\u00ednh th\u01b0\u01a1ng m\u1ea1i v\u00e0 t\u1ef7 l\u1ec7 t\u1eeb ch\u1ed1i l\u00ean \u0111\u1ebfn <strong>~40%<\/strong> \u1ea2nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c nh\u00e0 xu\u1ea5t kh\u1ea9u v\u00e0 chu\u1ed7i cung \u1ee9ng.<\/li>\n\n\n\n<li><strong>R\u00e0o c\u1ea3n h\u00f2a nh\u1eadp:<\/strong> Nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n xuy\u00ean bi\u00ean gi\u1edbi gi\u00e1 r\u1ebb.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.tevau.co\/wp-content\/uploads\/2026\/01\/stablecoin-asia-tevau.webp\" alt=\"\u0111\u1ed3ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh\" class=\"wp-image-4964\" srcset=\"https:\/\/www.tevau.co\/wp-content\/uploads\/2026\/01\/stablecoin-asia-tevau.webp 800w, https:\/\/www.tevau.co\/wp-content\/uploads\/2026\/01\/stablecoin-asia-tevau-300x200.webp 300w, https:\/\/www.tevau.co\/wp-content\/uploads\/2026\/01\/stablecoin-asia-tevau-768x512.webp 768w, https:\/\/www.tevau.co\/wp-content\/uploads\/2026\/01\/stablecoin-asia-tevau-18x12.webp 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">V\u00ec sao Stablecoin l\u00e0 m\u1ed9t l\u1edbp n\u1ec1n t\u1ea3ng<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Stablecoin l\u00e0 c\u00e1c token k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c neo t\u1ef7 l\u1ec7 1:1 v\u1edbi m\u1ed9t lo\u1ea1i ti\u1ec1n t\u1ec7 (v\u00ed d\u1ee5: USD) v\u00e0 \u0111\u01b0\u1ee3c l\u01b0u h\u00e0nh tr\u00ean c\u00e1c chu\u1ed7i kh\u1ed1i lu\u00f4n ho\u1ea1t \u0111\u1ed9ng.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nh\u1eefng g\u00ec h\u1ecd s\u1eeda ch\u1eefa<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Thanh to\u00e1n g\u1ea7n nh\u01b0 t\u1ee9c th\u00ec:<\/strong> Chuy\u1ec3n kho\u1ea3n 24\/7 kh\u00f4ng gi\u1edbi h\u1ea1n gi\u1edd l\u00e0m vi\u1ec7c ng\u00e2n h\u00e0ng; r\u1ea5t ph\u00f9 h\u1ee3p cho vi\u1ec7c tr\u1ea3 l\u01b0\u01a1ng, thanh to\u00e1n cho nh\u00e0 cung c\u1ea5p v\u00e0 thanh to\u00e1n cho ng\u01b0\u1eddi b\u00e1n.<\/li>\n\n\n\n<li><strong>T\u1ed5ng chi ph\u00ed th\u1ea5p h\u01a1n (t\u00f9y thu\u1ed9c v\u00e0o tuy\u1ebfn \u0111\u01b0\u1eddng):<\/strong> Gi\u1ea3m s\u1ed1 l\u01b0\u1ee3ng trung gian v\u00e0 ph\u00ed c\u00f3 th\u1ec3 l\u1eadp tr\u00ecnh gi\u00fap gi\u1ea3m chi ph\u00ed r\u00f2ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u00ean c\u00e1c h\u00e0nh lang v\u1eadn chuy\u1ec3n \u0111\u1eaft \u0111\u1ecf.<\/li>\n\n\n\n<li><strong>Ti\u1ec1n c\u00f3 th\u1ec3 l\u1eadp tr\u00ecnh:<\/strong> H\u1ee3p \u0111\u1ed3ng th\u00f4ng minh t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c quy tr\u00ecnh k\u00fd qu\u1ef9, gi\u1ea3i ng\u00e2n theo t\u1eebng giai \u0111o\u1ea1n, \u1ee9ng tr\u01b0\u1edbc h\u00f3a \u0111\u01a1n v\u00e0 t\u00e0i ch\u00ednh th\u01b0\u01a1ng m\u1ea1i.<\/li>\n\n\n\n<li><strong>Ti\u1ebfp c\u1eadn r\u1ed9ng r\u00e3i h\u01a1n:<\/strong> B\u1ea5t k\u1ef3 ai c\u00f3 v\u00ed v\u00e0 internet \u0111\u1ec1u c\u00f3 th\u1ec3 gi\u1eef v\u00e0 chuy\u1ec3n ti\u1ec1n; c\u00e1c \u0111i\u1ec3m giao d\u1ecbch \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd k\u1ebft n\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u r\u00fat ti\u1ec1n m\u1eb7t.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng th\u1ef1c t\u1ebf c\u1ee7a PayFi<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/stellar.org\/learn\/payfi\" target=\"_blank\" rel=\"noopener\"><strong>PayFi<\/strong> <\/a>h\u1ed7n h\u1ee3p <strong>c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n truy\u1ec1n th\u1ed1ng (th\u1ebb, chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng \u0111\u1ecba ph\u01b0\u01a1ng)<\/strong> V\u00e0 <strong>c\u00e1c h\u1ec7 th\u1ed1ng thanh kho\u1ea3n tr\u00ean chu\u1ed7i (stablecoin)<\/strong>, \u0111\u1ecbnh tuy\u1ebfn t\u1eebng kho\u1ea3n thanh to\u00e1n b\u1eb1ng <strong>t\u1ed1c \u0111\u1ed9, chi ph\u00ed v\u00e0 s\u1ef1 tu\u00e2n th\u1ee7<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ed d\u1ee5 v\u1ec1 quy tr\u00ecnh:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Kh\u00e1ch h\u00e0ng thanh to\u00e1n v\u00e0o <strong>USDT\/USDC<\/strong> ho\u1eb7c <a href=\"https:\/\/www.tevau.co\/vi\/the\/\">th\u1ebb<\/a>.<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi \u0111i\u1ec1u ph\u1ed1i s\u1ebd ch\u1ecdn tuy\u1ebfn \u0111\u01b0\u1eddng r\u1ebb nh\u1ea5t\/nhanh nh\u1ea5t.<\/li>\n\n\n\n<li>Giao d\u1ecbch ti\u1ec1n t\u1ec7 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n 24\/7 tr\u00ean chu\u1ed7i kh\u1ed1i; \u0111\u1ed1i t\u00e1c \u0111\u1ecba ph\u01b0\u01a1ng s\u1ebd x\u1eed l\u00fd vi\u1ec7c n\u00e0y. <strong>FX \u2192 ti\u1ec1n t\u1ec7 \u0111\u1ecba ph\u01b0\u01a1ng<\/strong>.<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi b\u00e1n h\u00e0ng nh\u1eadn \u0111\u01b0\u1ee3c <strong>T+0\/T+1<\/strong> Thanh to\u00e1n b\u1eb1ng h\u00f3a \u0111\u01a1n t\u1ef1 \u0111\u1ed9ng v\u00e0 nh\u1eadt k\u00fd ki\u1ec3m to\u00e1n.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e1c lo\u1ea1i ti\u1ec1n \u1ed5n \u0111\u1ecbnh n\u1ed9i \u0111\u1ecba t\u1ea1i ch\u00e2u \u00c1: T\u00ecnh h\u00ecnh ph\u00e1p l\u00fd hi\u1ec7n nay<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">L\u00e3nh \u0111\u1ea1o <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nh\u1eadt B\u1ea3n<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u00e1c y\u00eau c\u1ea7u \u0111\u0103ng k\u00fd v\u00e0 d\u1ef1 tr\u1eef \u0111\u1ed1i v\u1edbi stablecoin \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m b\u1eb1ng ti\u1ec1n ph\u00e1p \u0111\u1ecbnh.<\/li>\n\n\n\n<li>C\u00e1c ng\u00e2n h\u00e0ng\/c\u00f4ng ty fintech \u0111ang th\u00ed \u0111i\u1ec3m <strong>\u0111\u1ed3ng ti\u1ec1n \u1ed5n \u0111\u1ecbnh y\u00ean<\/strong>; v\u0103n h\u00f3a tu\u00e2n th\u1ee7 m\u1ea1nh m\u1ebd.<\/li>\n\n\n\n<li><strong>Mua mang v\u1ec1:<\/strong> M\u1ed9t trong nh\u1eefng th\u1ecb tr\u01b0\u1eddng \u201cs\u1eb5n s\u00e0ng s\u1ea3n xu\u1ea5t\u201d nh\u1ea5t \u1edf ch\u00e2u \u00c1.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Singapore<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Khung ph\u00e1p l\u00fd MAS \u0111\u00e3 ho\u00e0n thi\u1ec7n (c\u1ea5p ph\u00e9p, ki\u1ec3m to\u00e1n d\u1ef1 tr\u1eef, c\u00f4ng b\u1ed1 th\u00f4ng tin).<\/li>\n\n\n\n<li>C\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn v\u00e0 h\u1ec7 sinh th\u00e1i fintech m\u1ea1nh m\u1ebd.<\/li>\n\n\n\n<li><strong>Mua mang v\u1ec1:<\/strong> \u0110\u00e2y l\u00e0 trung t\u00e2m l\u00fd t\u01b0\u1edfng cho c\u00e1c d\u1ef1 \u00e1n ph\u00e1t h\u00e0nh, qu\u1ea3n l\u00fd ng\u00e2n qu\u1ef9 v\u00e0 giao d\u1ecbch xuy\u00ean bi\u00ean gi\u1edbi tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u1ed3ng K\u00f4ng<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u1eadn t\u1ee5y <strong>s\u1eafc l\u1ec7nh v\u1ec1 ti\u1ec1n \u1ed5n \u0111\u1ecbnh<\/strong>Ch\u1ebf \u0111\u1ed9 c\u1ea5p ph\u00e9p \u0111ang c\u00f3 hi\u1ec7u l\u1ef1c.<\/li>\n\n\n\n<li>Nghi\u00eam ng\u1eb7t <strong>KYC\/AML<\/strong> V\u1edbi tr\u1ecdng t\u00e2m l\u00e0 th\u1ec3 ch\u1ebf.<\/li>\n\n\n\n<li><strong>Mua mang v\u1ec1:<\/strong> Gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd nh\u01b0ng c\u1edfi m\u1edf v\u1edbi s\u1ef1 \u0111\u1ed5i m\u1edbi; c\u1eeda ng\u00f5 v\u00e0o ngu\u1ed3n t\u00e0i ch\u00ednh khu v\u1ef1c.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">T\u1ea1o \u0111\u00e0 ph\u00e1t tri\u1ec3n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u00e0n Qu\u1ed1c<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u1eb7t n\u1ec1n t\u1ea3ng ph\u00e1p l\u00fd; c\u00e1c ng\u00e2n h\u00e0ng\/c\u00f4ng ty fintech \u0111ang t\u00ecm hi\u1ec3u. <strong>ti\u1ec1n \u0111i\u1ec7n t\u1eed \u1ed5n \u0111\u1ecbnh \u0111\u00e3 th\u1eafng<\/strong>.<\/li>\n\n\n\n<li><strong>Mua mang v\u1ec1:<\/strong> H\u00e3y ch\u00fa \u00fd \u0111\u1ebfn c\u00e1c d\u1ef1 \u00e1n th\u00ed \u0111i\u1ec3m li\u00ean quan \u0111\u1ebfn thanh to\u00e1n n\u1ed9i \u0111\u1ecba v\u00e0 t\u00e0i ch\u00ednh xu\u1ea5t kh\u1ea9u.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Quan s\u00e1t \/ Giai \u0111o\u1ea1n \u0111\u1ea7u<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0110\u00e0i Loan<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110ang theo d\u00f5i c\u00e1c di\u1ec5n bi\u1ebfn to\u00e0n c\u1ea7u; ch\u01b0a c\u00f3 th\u00f4ng b\u00e1o ch\u00ednh th\u1ee9c n\u00e0o \u0111\u01b0\u1ee3c ban h\u00e0nh t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng.<\/li>\n\n\n\n<li><strong>Mua mang v\u1ec1:<\/strong> Giai \u0111o\u1ea1n \u0111\u1ea7u ti\u00ean\u2014s\u1ef1 r\u00f5 r\u00e0ng v\u1ec1 ch\u00ednh s\u00e1ch s\u1ebd l\u00e0 ch\u00eca kh\u00f3a m\u1edf ra v\u1ea5n \u0111\u1ec1.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u0110\u01b0\u1ee3c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Trung Qu\u1ed1c \u0111\u1ea1i l\u1ee5c<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u1ea7n th\u1eadn tr\u1ecdng v\u1edbi ti\u1ec1n \u0111i\u1ec7n t\u1eed; ki\u1ec3m so\u00e1t v\u1ed1n v\u1eabn l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t.<\/li>\n\n\n\n<li>Vi\u1ec7c kh\u00e1m ph\u00e1 t\u1eadp trung v\u00e0o <strong>Li\u00ean k\u1ebft v\u1edbi \u0111\u1ed3ng Nh\u00e2n d\u00e2n t\u1ec7<\/strong> c\u00e1c m\u00f4 h\u00ecnh v\u00e0 <strong>e-CNY<\/strong>.<\/li>\n\n\n\n<li><strong>Mua mang v\u1ec1:<\/strong> Vi\u1ec7c s\u1eed d\u1ee5ng stablecoin xuy\u00ean bi\u00ean gi\u1edbi s\u1ebd v\u1eabn b\u1ecb h\u1ea1n ch\u1ebf n\u1ebfu kh\u00f4ng c\u00f3 s\u1ef1 ch\u1ea5p thu\u1eadn r\u00f5 r\u00e0ng.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Stablecoin c\u00f3 \u00edch nh\u1ea5t \u1edf nh\u1eefng l\u0129nh v\u1ef1c n\u00e0o (hi\u1ec7n nay)<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Chuy\u1ec3n ti\u1ec1n &amp; l\u01b0\u01a1ng b\u1ed5ng:<\/strong> Thanh to\u00e1n li\u00ean t\u1ee5c v\u1edbi giao d\u1ecbch d\u1ec5 d\u00e0ng h\u01a1n; ng\u01b0\u1eddi nh\u1eadn chuy\u1ec3n \u0111\u1ed5i t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng.<\/li>\n\n\n\n<li><strong>Khu \u0111\u1ecbnh c\u01b0 th\u01b0\u01a1ng m\u1ea1i:<\/strong> Thanh to\u00e1n g\u1ea7n nh\u01b0 t\u1ee9c th\u1eddi gi\u00fap gi\u1ea3m r\u1ee7i ro ho\u00e0n ti\u1ec1n v\u00e0 \u00e1p l\u1ef1c v\u1ec1 d\u00f2ng ti\u1ec1n.<\/li>\n\n\n\n<li><strong>T\u00e0i ch\u00ednh th\u01b0\u01a1ng m\u1ea1i:<\/strong> H\u00f3a \u0111\u01a1n \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a (tokenized invoices) k\u1ebft h\u1ee3p v\u1edbi t\u00e0i kho\u1ea3n k\u00fd qu\u1ef9 c\u00f3 th\u1ec3 l\u1eadp tr\u00ecnh gi\u00fap gi\u1ea3m thi\u1ec3u c\u00e1c b\u01b0\u1edbc th\u1ee7 c\u00f4ng v\u00e0 gi\u1ea3i ng\u00e2n ti\u1ec1n theo t\u1eebng giai \u0111o\u1ea1n.<\/li>\n\n\n\n<li><strong>Kho b\u1ea1c &amp; Ngo\u1ea1i h\u1ed1i:<\/strong> N\u1eafm gi\u1eef \u0111\u00f4 la k\u1ef9 thu\u1eadt s\u1ed1, ph\u00f2ng ng\u1eeba r\u1ee7i ro t\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i v\u00e0 ch\u1ec9 chuy\u1ec3n \u0111\u1ed5i khi c\u1ea7n thi\u1ebft.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n c\u1ea3i thi\u1ec7n<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>L\u1ed1i l\u00ean\/xu\u1ed1ng \u0111\u01b0\u1eddng cao t\u1ed1c:<\/strong> B\u1ea1n v\u1eabn c\u1ea7n c\u00e1c \u0111\u1ed1i t\u00e1c \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p \u0111\u1ec3 th\u1ef1c hi\u1ec7n quy tr\u00ecnh KYC c\u1ea5p ng\u00e2n h\u00e0ng v\u00e0 r\u00fat ti\u1ec1n n\u1ed9i \u0111\u1ecba.<\/li>\n\n\n\n<li><strong>Ngo\u1ea1i h\u1ed1i v\u00e0 ch\u00eanh l\u1ec7ch t\u1ef7 gi\u00e1:<\/strong> Chi ph\u00ed thay \u0111\u1ed5i t\u00f9y thu\u1ed9c v\u00e0o h\u00e0nh lang v\u00e0 t\u00ednh thanh kho\u1ea3n; kh\u00f4ng ph\u1ea3i tuy\u1ebfn \u0111\u01b0\u1eddng n\u00e0o c\u0169ng r\u1ebb h\u01a1n.<\/li>\n\n\n\n<li><strong>B\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng:<\/strong> Vi\u1ec7c qu\u1ea3n l\u00fd kh\u00f3a, x\u1eed l\u00fd c\u00e1c v\u1ee5 l\u1eeba \u0111\u1ea3o v\u00e0 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p \u0111\u00f2i h\u1ecfi c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 m\u1ea1nh m\u1ebd.<\/li>\n\n\n\n<li><strong>Kh\u1ea3 n\u0103ng t\u01b0\u01a1ng t\u00e1c:<\/strong> Vi\u1ec7c s\u1eed d\u1ee5ng nhi\u1ec1u chu\u1ed7i kh\u1ed1i v\u00e0 ti\u00eau chu\u1ea9n token kh\u00e1c nhau l\u00e0m t\u0103ng th\u00eam \u0111\u1ed9 ph\u1ee9c t\u1ea1p\u2014\u0111\u1ecbnh tuy\u1ebfn l\u00e0 v\u1ea5n \u0111\u1ec1 quan tr\u1ecdng.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Danh s\u00e1ch ki\u1ec3m tra c\u1ea7n th\u1ef1c hi\u1ec7n (\u0110\u1ed1i v\u1edbi PayFi)<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>H\u00e3y b\u1eaft \u0111\u1ea7u v\u1edbi 3 h\u00e0nh lang quan tr\u1ecdng nh\u1ea5t.<\/strong> (trong \u0111\u00f3 ph\u00ed ho\u1eb7c th\u1eddi gian thanh to\u00e1n g\u00e2y thi\u1ec7t h\u1ea1i nhi\u1ec1u nh\u1ea5t).<\/li>\n\n\n\n<li><strong>Ch\u1ecdn c\u00e1c b\u1ed9 chia t\u00edn hi\u1ec7u tu\u00e2n th\u1ee7 ti\u00eau chu\u1ea9n<\/strong> (Singapore\/Nh\u1eadt B\u1ea3n\/H\u1ed3ng K\u00f4ng) cho vi\u1ec7c ph\u00e1t h\u00e0nh v\u00e0 qu\u1ea3n l\u00fd ng\u00e2n qu\u1ef9.<\/li>\n\n\n\n<li><strong>K\u1ebft h\u1ee3p hai \u0111\u01b0\u1eddng ray<\/strong>: m\u1ed9t PSP ng\u00e2n h\u00e0ng \u0111\u1ecba ph\u01b0\u01a1ng\/th\u1ebb thanh to\u00e1n <strong>V\u00e0<\/strong> m\u1ed9t l\u1edbp v\u00ed\/thanh to\u00e1n stablecoin.<\/li>\n\n\n\n<li><strong>T\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c tu\u00e2n th\u1ee7<\/strong>: X\u00e1c minh danh t\u00ednh\/th\u00f4ng tin c\u00e1 nh\u00e2n (KYC\/KYB), d\u1eef li\u1ec7u quy \u0111\u1ecbnh du l\u1ecbch v\u00e0 s\u00e0ng l\u1ecdc l\u1ec7nh tr\u1eebng ph\u1ea1t.<\/li>\n\n\n\n<li><strong>\u0110o l\u01b0\u1eddng nh\u1eefng g\u00ec quan tr\u1ecdng<\/strong>: <a href=\"https:\/\/stripe.com\/en-my\/resources\/more\/total-payment-value-tpv-what-it-means-why-it-matters-and-how-to-use-it-wisely#:~:text=Total%20payment%20value%20(TPV)%20is,more%20about%20scale%20than%20strength.\" target=\"_blank\" rel=\"noopener\">t\u1eeb \u0111\u1ea7u \u0111\u1ebfn cu\u1ed1i <strong>TPV<\/strong><\/a><strong>T\u1ef7 l\u1ec7 th\u00e0nh c\u00f4ng, th\u1eddi gian thanh to\u00e1n trung b\u00ecnh, t\u1ed5ng chi ph\u00ed (ph\u00ed + t\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i)<\/strong>.<\/li>\n\n\n\n<li><strong>Phi c\u00f4ng v\u1edbi m\u1ed9t tr\u01b0\u1eddng h\u1ee3p s\u1eed d\u1ee5ng<\/strong> (v\u00ed d\u1ee5: thanh to\u00e1n cho nh\u00e0 th\u1ea7u) tr\u01b0\u1edbc khi m\u1edf r\u1ed9ng sang nh\u00e0 cung c\u1ea5p v\u00e0 th\u1ecb tr\u01b0\u1eddng.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Thanh to\u00e1n b\u1eb1ng stablecoin c\u00f3 t\u1ee9c th\u1eddi kh\u00f4ng?<\/strong><br>Giao d\u1ecbch \u0111\u01b0\u1ee3c x\u1eed l\u00fd tr\u00ean chu\u1ed7i kh\u1ed1i trong v\u00f2ng v\u00e0i ph\u00fat, 24\/7. Vi\u1ec7c chuy\u1ec3n ti\u1ec1n v\u1ec1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 m\u1ea5t th\u00eam th\u1eddi gian t\u00f9y thu\u1ed9c v\u00e0o qu\u1ed1c gia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ch\u00fang c\u00f3 r\u1ebb h\u01a1n ng\u00e2n h\u00e0ng kh\u00f4ng?<\/strong><br>Th\u01b0\u1eddng th\u00ec \u0111\u00fang, nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng v\u1eady. \u0110i\u1ec1u \u0111\u00f3 ph\u1ee5 thu\u1ed9c v\u00e0o h\u00e0nh lang giao d\u1ecbch, t\u00ednh thanh kho\u1ea3n, t\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i v\u00e0 chi ph\u00ed tu\u00e2n th\u1ee7.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ng\u01b0\u1eddi d\u00f9ng c\u00f3 c\u1ea7n t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng kh\u00f4ng?<\/strong><br>Kh\u00f4ng ph\u1ea3i \u0111\u1ec3 gi\u1eef\/g\u1eedi token. M\u00e0 l\u00e0 \u0111\u1ec3 <strong>r\u00fat ti\u1ec1n m\u1eb7t<\/strong> Ho\u1eb7c \u0111\u1ec3 thanh to\u00e1n c\u00e1c h\u00f3a \u0111\u01a1n \u0111\u1ecba ph\u01b0\u01a1ng, b\u1ea1n th\u01b0\u1eddng s\u1ebd s\u1eed d\u1ee5ng m\u1ed9t \u0111\u1ed1i t\u00e1c \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nh\u1eefng \u0111\u1ecba \u0111i\u1ec3m n\u00e0o l\u00e0 t\u1ed1t nh\u1ea5t \u0111\u1ec3 b\u1eaft \u0111\u1ea7u?<\/strong><br>V\u1ec1 v\u1ea5n \u0111\u1ec1 tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh + h\u1ec7 sinh th\u00e1i: <strong>Singapore, Nh\u1eadt B\u1ea3n, H\u1ed3ng K\u00f4ng<\/strong>. V\u1ec1 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng: <strong>H\u00e0n Qu\u1ed1c<\/strong>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Asia\u2019s cross-border payments are still slow (3\u20135 days) and costly (often 5\u20138%), especially on remittance corridors. Stablecoins\u2014digital dollars or local-currency tokens on 24\/7 blockchains\u2014can cut wait times, lower total costs, and automate complex flows. Policy is catching up fast: Japan, Singapore, and Hong Kong now have the clearest paths to compliant stablecoin issuance; South Korea [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4964,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","rank_math_title":"Stablecoins in Asia: The Practical Route to Faster, Cheaper Cross-Border Payments","rank_math_description":"Asia\u2019s remittances remain costly and slow. Learn how stablecoins and PayFi enable 24\/7 settlement, programmable trade finance, and where regulation\u2014Japan, Singapore, Hong Kong\u2014is unlocking real adoption.","rank_math_focus_keyword":"Stablecoins"},"categories":[1],"tags":[133,146,152,135,143,132,141,145,142,150,149,144,138,140,136,137,151,147,139,148,134],"class_list":["post-4963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","tag-asian-remittances","tag-b2b-trade-terms","tag-china-e-cny","tag-correspondent-banking","tag-cross-border-e-commerce","tag-cross-border-payments","tag-digital-dollar-transfers","tag-export-settlements","tag-freelancer-payouts","tag-hong-kong-stablecoin-license","tag-japan-stablecoin-regulation","tag-marketplace-disbursements","tag-on-chain-settlement","tag-payfi-payments-defi","tag-payment-inclusion","tag-programmable-money","tag-singapore-mas-stablecoins","tag-south-korea-won-stablecoin","tag-stablecoin-payments","tag-taiwan-policy","tag-trade-finance-gap"],"_links":{"self":[{"href":"https:\/\/www.tevau.co\/vi\/wp-json\/wp\/v2\/posts\/4963","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tevau.co\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tevau.co\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tevau.co\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tevau.co\/vi\/wp-json\/wp\/v2\/comments?post=4963"}],"version-history":[{"count":0,"href":"https:\/\/www.tevau.co\/vi\/wp-json\/wp\/v2\/posts\/4963\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tevau.co\/vi\/wp-json\/wp\/v2\/media\/4964"}],"wp:attachment":[{"href":"https:\/\/www.tevau.co\/vi\/wp-json\/wp\/v2\/media?parent=4963"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tevau.co\/vi\/wp-json\/wp\/v2\/categories?post=4963"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tevau.co\/vi\/wp-json\/wp\/v2\/tags?post=4963"}],"curies":[{"name":"trang web","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}