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我仍在努力理解B2B稳定币结算的实际差异。我们是一家小型金融科技公司，正在研究为客户整合稳定币支付，主要用于跨境交易。我理解链上与链下解决方案（如$BTC的闪电网络或某些Layer-2）的一般概念，但对于稳定币而言，当我们谈论高交易量、低价值的B2B支付时，对交易延迟和费用有什么实际影响？为了速度/成本，是否总是最好选择链下解决方案，或者在某些情况下，直接在以太坊或Solana上使用$USDC进行链上结算对这类交易仍然有意义？
For stablecoins, Layer 2s like Arbitrum or Optimism offer much lower fees and faster finality than Ethereum mainnet, often good enough for B2B. Off-chain solutions like CBDCs or proprietary networks will likely have the lowest latency, but come with centralization trade-offs.
That's a critical question. For B2B, the auditability and finality of on-chain settlement can be a significant advantage, even with slightly higher fees, depending on the transaction value and frequency. Have you looked into the total cost of ownership beyond just transaction fees, including integration and compliance for both approaches?
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