Pax Dollar(USDP币)兼具了美元的稳定和区块链技术的高效，Paxos是首家受到纽约州金融服务管理局(the New York State Department of Financial Services)直接监管、并在其监管下运营的金融科技公司。在数字资产受到监管的特定市场中，Paxos在以数字化方式实现资产的流动、交换、保管和结算领域具有独特优势。
Pax Dollar (USDP) is the first financial science and technology company to be directly regulated by the New York State Financial Services Authority and operating under its supervision. In a specific market where digital assets are regulated, Paxos has a unique advantage in the field of digitalizing the movement, exchange, custody and settlement of assets.
2018年9月10日，纽约金融服务部(NYDFS)同时批准了两种基于以太坊发行的稳定币，分别是Gemini Dollar和Pax Dollar。这两种稳定币都是和美元1:1锚定的加密数字货币，这两个数字货币将受到美国政府的监管，每月都要进行账户资金审计，如果账户出现问题，美国政府可以通过执法手段进行冻结等操作。USDP(Pax Dollar)是全球首个合规的稳定币，由区块链创业公司Paxos发行，USDP旨在通过提供“现金的数字替代品”来为交易加密资产的投资者提供流动性，用于所有资产类别的即时交易结算。USDP是一款以1:1美元为支持的稳定币，1USDP等于1美元，USDP全部储备将按全额持有的美元进行100%抵押。USDP基于以太坊的ERC-20标准构建，可以在以太坊网络上的任何两个钱包之间发送，经过验证的Paxos客户可以在其公司网站上购买或兑换USDP。
On 10 September 2018, the New York Department of Financial Services (NYDFS) approved at the same time two stable coins based on the use of the Tails, Gemini Dollar and Pax Dollar, respectively. These two stable currencies are encoded digital currencies with the dollar 1:1, which will be subject to a monthly audit of account funds, which will be subject to freezing by means of law enforcement. The USDP (Pax Dollar) is the first globally compliant stable currency to be issued by the sector-based business start-up company Paxos, which aims to provide liquidity to investors in all asset classes by providing “digital cash substitutes” for immediate transactions. USDP is a US$ 1:1, supported by a stable currency, USDP is equal to US$ 1, and all USDP reserves will be mortgaged at 100% of the United States dollar held.
USDP旨在通过提供“现金的数字替代品”来为交易加密资产的投资者提供流动性，用于所有资产类别的即时交易结算。USDP全部储备将按全额持有的美元进行100%抵押。USDP基于以太坊的ERC-20标准构建，可以在以太坊网络上的任何两个钱包之间发送，经过验证的Paxos客户可以在其公司网站上购买或兑换USDP。由于特定平台在特定时刻的供需动态变化，外部交易场所的价格会有所波动。我们可以预测，根据每个交易所的流动和交易佣金结构，以美元抵押的稳定币价格范围为0.99至1.01。
USDP is designed to provide a “digital alternative to cash” for the liquidity of investors trading encrypted assets to settle instantaneous transactions across all asset classes. The full USDP reserve will be mortgaged at 100% of the full dollar holdings. The USDP is based on the Taiwan ERC-20 standard, which can be sent between any two wallets on the Taiyem network, and certified Paxos clients can purchase or convert USDPs on their corporate websites. As a result of changing supply and demand dynamics of a given platform, the price of an external trading place will fluctuate. We can predict that the price of a stable currency charged in United States dollars will range from 0.99 to 1.01 based on the movement and commission structure of each exchange.
1. USDP是世界上第一个经政府批准并接受监管的稳定币。
1. USDP is the first stable currency in the world to be approved and regulated by the Government.
USDP作为稳定币获美国政府批准成立。今年9月份，纽约州金融服务部批准发行了两种稳定币，分别是GUSD和USDP。可以说USDP是首批受到美国政府批准的稳定币之一。
In September, the New York State Department of Financial Services approved the issuance of two stabilizers, GUSD and USDP, respectively. The USDP could be said to be one of the first stabilizers to be approved by the US government.
2. Pax Dollar遵循以太坊上的标准ERC-20协议。
Pax Dollar follows the Etherm standard ERC-20 agreement.
无缝连接的钱包支持和交易所整合。任何已经应用ERC-20代码的商家都可以在其平台上提供对该代币的支持服务。
A seamlessly connected wallet support and exchange integration.
3. USDP受到严格透明的审计。
3. USDP is subject to strict and transparent audit.
USDT虽然自称是按美元1:1配置。但从来不接收审计。也没有正式对外公布过托管账户。这是为人民所诟病的地方。也就是说只有USDP对应美元受到托管时才会存在。Paxos与全美顶尖的会计事务所合作，定期进行月度审计以确保上述银行账户中的美元余额与代币量保持一致。美国顶尖审计事务所Withum会在每月月末对持有美元存款的Paxos银行账户进行审计(采用美国注册会计师协会AICPA制定的标准)，从而进一步提高该代币的透明度。
In cooperation with the top accounting firm in the United States, Paxos regularly conducts monthly audits to ensure that the dollar balance in the above-mentioned bank account is consistent with the amount of the coin. The top auditing firm Withium in the United States will audit the bank account of the Paxos holding the dollar at the end of each month (using the standards established by the American Institute of Certified Accountants, AIPPA), thereby further enhancing the currency’s transparency.
4. 价格稳定，波动范围小。
Price stability and low volatility.
稳定币最大的特点就应该是自身保持价格稳定，能够经受市场的冲击。而有不少稳定币出现价格大幅度波动的情况。比如USDT经常出现较大幅度波动。再如DAI，有时波动高达20%多。
The most important feature of a stable currency should be that it maintains price stability and is able to withstand market shocks. A number of stable currencies have experienced large price fluctuations.
1.点对点
1. Point-to-point
在全球实时接受和发送美元。
United States dollars received and sent globally in real time.
2.商业
2. Business
用USDP支付商品和服务。
USDP for goods and services.
3.交易
3. Transactions
在美元和数字货币之间即时转换。
Direct conversion between the United States dollar and the digital currency.
4.存储
Storage
将您的现金换成USDP，即可享受美元的稳定性。
If your cash is exchanged for USDP, you can enjoy the stability of the dollar.
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