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Ripple向速匯金投資5000萬美元,推廣一種數字貨幣

速匯金虧損不止,Ripple的投資可以讓它穩固財務狀況。

2018年2月13日,Ripple的首席執行官布拉德·加林豪斯出席舊金山的高盛技術與互聯網會議。圖片來源:David Paul Morris—Bloomberg via Getty Images

本周一,加密貨幣公司Ripple宣布將與速匯金(MoneyGram)達成主要戰略合作伙伴關系,后者將在日常運營的轉賬服務中兼容數字貨幣XRP。

按照協議條款,Ripple將以每股4.1美元的價格收購速匯金8%至10%的股份。這相當于3,000萬美元的投資。此外,速匯金還可以選擇在未來兩年里以同樣價格出售另外2,000萬美元的股票。

對位于舊金山的Ripple而言,這次交易將讓公司得到了前所未有的機遇,來證明自己轉移XRP幣的產品X-Rapid乃是跨境轉賬的不二之選。Ripple一直認為銀行應該把XRP幣作為過渡貨幣,而不是讓它作為抵押品與國外賬戶綁定。

Ripple的首席執行官布拉德·加林豪斯對《財富》雜志表示:“它會淘汰注冊國外賬戶的需求。這就是為何速匯金的運營資本為負。消費者能夠從中受益,資金業務也會因此更加平滑。”

Ripple的投資是在速匯金的競爭對手西聯匯款(Western Union)試用X-Rapid結束一年后。后者表示XRP轉移業務沒有顯著促進儲蓄量的增加。在過去三年里,Ripple還與各銀行進行了多次試點項目,但XRP都沒有突出表現。

然而,加林豪斯認為,形勢在過去幾個月里已經不同了。他表示,如今有幾百家合作伙伴都在采用XRP。這種貨幣的隱含價值已經高達約180億美元,在加密貨幣中排名第三,僅次于比特幣(Bitcoin)和以太坊(Ethereum)。他補充道,這導致XRP的供應流動性很高,也就意味著加密貨幣波動性的風險幾乎被消除,因為金融公司可以在幾秒內進入和撤出這種貨幣。

對速匯金而言,公司最近虧損連連,幾次慘淡的財報導致股價暴跌,Ripple的投資可以讓他們借機穩固財務狀況。這次投資也是在美國政府禁止中國的螞蟻金服收購該公司18個月以后。

Ripple的開價,比目前在1.5美元徘徊的速匯金股價要溢出很多,不過比起傳聞中螞蟻金服提出的每股18美元的收購價還有很大差距。

按照雙方的說法,Ripple不會立刻在速匯金的董事會獲得席位,而是作為觀察員存在。

速匯金的首席財務官拉里·安吉內利表示:“我們對于Ripple的投資條款感到非常高興,它給了公司永久資本與額外流動資產的支持。這次合作還讓速匯金有了改善經營效率,增加業績和自由現金流的機會。”(財富中文網)

譯者:嚴匡正

Cryptocurrency company Ripple on Monday announced a major partnership with MoneyGram, which will see the money transfer service use the digital currency XRP as part of its day-to-day operations.

Under the terms of the deal, Ripple will pay $4.10 cents a share to acquire an 8% to 10% stake in MoneyGram. This translates into a $30 million investment, and also gives MoneyGram the option for another $20 million cash infusion in the next two years.

For San Francisco-based Ripple, the deal will provide an unprecedented opportunity to make the case that its product called X-Rapid, which allows for the transfer of XRP, is superior for moving money across borders. Ripple has long argued that banks should use XRP as a form of bridge currency, rather than leaving money tied up as collateral in foreign accounts.

“This will eliminate the need to deploy foreign bank accounts. That’s why MoneyGram has negative working capital. It will help customers and also smooth out their treasury operations,” Ripple CEO Brad Garlinghouse told Fortune.

Ripple’s investment comes a year after MoneyGram’s rival Western Union ended a trial experiment with XRapid, saying the XRP transfer service had not produced any significant savings. Ripple has also engaged in numerous pilot projects with banks in the past three years, but none of these has resulted in a breakout moment for XRP.

Garlinghouse, however, claims that the tide has turned in recent months, saying hundreds of partners are now using XRP, which has a total implied value of about $18 billion and is the third most valuable cryptocurrency after Bitcoin and Ethereum. He added that this has produced a highly liquid supply of XRP, meaning that the risk of volatility is all but eliminated since financial firms can move into and out of the currency in seconds.

For MoneyGram, the Ripple investment provides an opportunity to firm up its finances after recent losses and several dismal earnings reports that have caused its share price to slump. It also comes 18 months after the U.S. government barred China-based Ant Financial from acquiring the company.

Ripple’s purchase of newly-issued shares of MoneyGram is a significant premium on MoneyGram’s recent market price, which has languished around $1.50—but a far cry from the $18 that Ant Financial reportedly offered.

According to the companies, Ripple will not immediately receive a seat on MoneyGram’s board, but will instead have observer status.

“We are very pleased with the terms of the Ripple investment which supports the Company with permanent capital and additional liquidity,” Larry Angelilli, chief financial officer of MoneyGram, said in a statement. “This partnership also provides MoneyGram with the opportunity to improve operating efficiencies and increase earnings and free cash flow.”

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