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现代卡即将引领区块链支付创新

2026-09-17 08:14:34
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现代卡公司即将引领区块链支付创新

现代卡公司已成功在Avalanche网络上完成基于稳定币的机构支付测试,并正着手推进其区块链战略的更全面阶段。该公司将重心从有限规模的试验转向更广泛的评估,旨在检验系统处理更大交易量的可扩展性,这标志着其在技术进步方面迈出了重要一步。

从试验迈向规模化运营

针对当前阶段,现代卡公司支付与业务发展负责人Heejung Nam强调,目标是证明该运营模式具备大规模运行的功能。实现更高的交易量对于使经济模型具有实际意义至关重要。这一努力将有助于从单纯的试验过渡到稳健的日常企业级应用。

Heejung Nam指出,只有当运营模式能够在大规模下无缝运行时,其经济结构才具备可行性。公司迫切希望确定现有基础设施能否支持较大交易量所需的运营复杂性,尤其是在现代汽车集团层面所需的支持。这种战略方法对于从实验阶段转向现实世界中的企业应用场景至关重要。

跨境支付试点

今年7月,现代卡公司宣布成功执行了一项涉及现代汽车美国公司和现代汽车墨西哥公司的跨境支付概念验证(PoC)。尽管这笔交易金额约为2万美元,规模不大,但其涉及企业间的真实资金流动,因此引起了广泛关注。

During this process, Hyundai Motor America converted US$20,000 into the USDT dollar-linked stablecoin issued by Tether. The assets were subsequently transferred to Hyundai Motor Mexico through the Avalanche network and reconverted to U.S. dollars upon arrival. Avalanche said that the pilot is not a simulation, but involves an actual reconciliation process between companies.

Data from Hyundai Card shows that the entire transaction takes about 7 minutes on average. In contrast, traditional banking systems take at least 3 to 4 hours to complete the same process. This time efficiency highlights why blockchain-based systems have attracted much attention, especially in inter-business payment scenarios where timeliness requirements are high.

The successful completion of this cross-border payment pilot demonstrates the practical application value of blockchain technology. Compared with traditional banking methods, it has significant advantages in terms of speed and cost. The partners included major entities such as Hyundai Motor, Tether and Axiom, demonstrating a real-life test of the payment process.

Although the results are encouraging, Hyundai Card has not yet decided whether to promote it group-wide and has not announced a timetable for full commercial integration. The company's next step is to ensure performance and operational consistency at higher transaction volumes, which is expected to become an important part of the company's regular treasury management.

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