萬事達卡 × 台哥大加密交易所 TWEX 簽 MOU:台灣加密貨幣支付三大場景即將上線

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萬事達卡(Mastercard)台灣 3 月 16 日宣布與臺灣大哥大全資子公司富昇數位簽署合作備忘錄,聚焦三大面向。匯入加密貨幣身份憑證(Crypto Credential)最佳化鏈上轉帳、實現虛擬資產與銀行帳戶無縫連結,以及強化數位資產交易與結算基礎設施。
(前情提要:萬事達卡開放「USDC 結算」!可整合 Web3 錢包以加密貨幣支付)
(背景補充:當 Visa 和萬事達卡全面接受穩定幣支付,世界會變什麼樣子?)

用加密貨幣在便利商店結帳?這件事在臺灣正在加速變成現實。TWEX 於 2025 年 5 月上線、今年 1 月開放全民使用後,母公司富昇數位選擇與萬事達卡攜手,目標是把加密貨幣從「交易所裡的資產」變成「日常可用的支付工具」。

萬事達卡臺灣區董事總經理陳懿文指出,雙方將共同研究三大應用場景,並引入萬事達卡在全球已布局的三套解決方案。

三套工具,解決三個痛點

Crypto Credential(加密貨幣身份憑證) 針對鏈上轉帳的最大痛點下手:錢包地址又長又複雜,輸錯一個字元就可能造成不可逆損失。這套系統以簡單的使用者別名取代錢包地址,並結合身份驗證機制,讓轉帳門檻大幅降低。

Multi-Token Network(MTN,多代幣網路) 則扮演橋樑角色,串接區塊鏈與傳統金融體系,讓銀行與金融機構透過 API 即可接入跨生態系的數位資產結算服務——這正是「虛擬資產與銀行帳戶無縫連結」的技術底層。

Crypto Card Program(加密貨幣支付卡計畫) 則直接面向消費者:持卡人可在全球逾 1.5 億個萬事達卡商戶,用錢包裡的虛擬資產直接消費,不需先換成法幣。三套工具合在一起,對應的正是富昇數位與萬事達卡此次 MOU 的完整藍圖。

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