Ø传统跨境支付体系长期面临效率、成本与覆盖面的结构性挑战。1）在效率层面，依赖多级代理行清算和人工审核导致平均到账时间长达3-5个工作日，新兴市场甚至超7天；2）成本上，根据世界银行的数据，全球汇款的平均成本超过6%；3）覆盖面方面，全球17亿无银行账户人口中超60%位于服务薄弱地区（如非洲），非主流货币结算需经美元中转，额外增加2-3天清算时间。世界银行研究表明跨境支付效率每提升10%可带动全球...
Source LinkØ传统跨境支付体系长期面临效率、成本与覆盖面的结构性挑战。1）在效率层面，依赖多级代理行清算和人工审核导致平均到账时间长达3-5个工作日，新兴市场甚至超7天；2）成本上，根据世界银行的数据，全球汇款的平均成本超过6%；3）覆盖面方面，全球17亿无银行账户人口中超60%位于服务薄弱地区（如非洲），非主流货币结算需经美元中转，额外增加2-3天清算时间。世界银行研究表明跨境支付效率每提升10%可带动全球...
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