跟讀練習: How Canada’s payment systems are under increasing control from the U.S. - 通過影片學習英語口語
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It's something most of us do every day.
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Tap our credit cards, grab our goods, and go about our business.
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But what happens after you tap represents a glaring vulnerability in our financial system.
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Your morning producer, Mike Hiscock, looks at the control the United States has over our ability to move money.
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Every morning, the bell rings, the markets open, and billions start moving.
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It's the engine of our daily lives, a financial system we rarely question.
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But Canada's vulnerabilities here are growing.
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The last set of numbers that I saw suggested about 93 % of the market for credit is between
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Visa and MasterCard.
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Vas Bednar is the managing director of the Canadian Shield Institute, a think tank with a focus on digital sovereignty.
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We are extremely reliant on foreign companies, and in that case, two very dominant American companies.
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So that speaks to the power they can exert when it comes to the fees and the percentages that they charge,
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but also the intelligence that they can gather.
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It's a very rich data set to understand who people are, their demographics and their habits and their consumptive habits.
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But I think the real kind of risk and portion of intrigue is
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that reliance and that interdependence and how that interdependence can be weaponized.
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Places like the UK and the EU have sort of signaled
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that they're starting to look at building an alternative to Visa MasterCard.
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And I think it raises some interesting kind of questions and opportunities.
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You know, are we willing to confront the Visa card duopoly?
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Credit card transactions are only the beginning.
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I spoke to Carl Shimoda, who analyzes shifts in the global economy.
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He explains how tight the American stranglehold of our payment systems really is.
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so our credit transactions safe to say go through the united
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states what about our debit transactions our debit transactions are relatively sovereign
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they are mostly handled on the internet interact network here in canada
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and that is that is a separate entity that's held here within canada what i'm noticing more
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and more with debit cards though is frequently banks are now issuing visa debit
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or mastercard debit the transactions themselves are being conducted on the visa
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and MasterCard networks and
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so you know there is definitely a point of vulnerability
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there that's not the only thread to our debit transactions tying your card to digital wallets like Google Wallet
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or Apple Pay gives foreign companies increasing control over those payments as well the US dollar is the language
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that we all speak in global trade virtually every train trade transaction is done in US dollars
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and so that means that when we're making a payment
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when we're settling you know a payable
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or receivable in the global payment system
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it has to go through u .s banks how much control
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does what you just described give the united states over the transactions
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we make here in canada an enormous amount of control they can stop a payment
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that is going through the u .s financial system
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and prevent you know two parties from dealing with each other they can also put on secondary sanctions
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and it sounds really extreme this idea of us being cut out of the u .s financial system
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but is this something they've done before
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Yes, we've seen some of these tools being deployed against countries like
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North Korea, Iran, Russia in recent years.
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We've also seen more recently the targeting of individuals, for example, an international criminal court judge.
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To some breaking news, the Trump administration has slapped a Canadian judge on the international criminal court with sanctions.
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Kimberly Prost was sanctioned for, quote, ruling to authorize the ICC's investigation into U .S personnel in Afghanistan.
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It does look very much as if U .S regulators and U .S.
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politicians are realizing the power that this gives them, and they're increasing the use over time.
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So if the United States could ice us out of its payment systems, why doesn't it?
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If we were to see a cutoff like this, this would blow back on the value of the U .S dollar.
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It would blow back on the integrity and the liquidity of the U .S financial system,
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and it would ultimately impact the U .S economy as well.
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Buying Canadian is one thing.
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Paying Canadian is another.
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And while companies like
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Visa, MasterCard, Google, and Apple are pulling control of our own transactions away from us,
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the payment systems of the future could pose an even larger threat.
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The number of Canadians who reported owning cryptocurrency more than doubled in two years, rising from 10 % in 2023 to 25 % in 2025.
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And there's a saying that's been going, everything that can be tokenized will be tokenized.
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Ali Aboudaya is the CEO of Transactics, the company behind a Canadian -made stablecoin known as Caddx.
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A stablecoin is a digital dollar, and typically its value is kept constant to a national currency.
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So a Canadian digital dollar, a stablecoin, is $1 Canadian in real world as well.
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The main advantages of stablecoins is that they can settle transactions in seconds instead of days.
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They also come with lower transaction costs.
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But right now, about 99 % of them are denominated in U .S.
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And so if 98 % to 99 % of stablecoins are denominated in U .S dollars, if I go out and buy a bunch of stablecoin,
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what happens to the loony?
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What happens to the Canadian dollar that I bought those stablecoins with?
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Where does it go?
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When you take one dollar from the Canadian market or you buy one U .S dollar stablecoin,
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1 .45 Canadian dollars leave the Canadian economy and they live in basically the U .S economy.
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So could we run into a situation where if stablecoins catch on and everybody starts to buy stablecoins,
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could we start to displace our own currency? That risk is real.
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We designed CadEx to be one of the most easily exchangeable assets on this blockchain.
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And it's Canadian sovereign, fully Canadian controlled, Canadian reserves, Canadian technology stack, sovereign to the nth degree.
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I view it as a very strong opportunity for us to own our future.
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And producer Mike Hiscox, join us in studio now.
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There was a lot in that piece, but the big takeaway I had is the risk is in the reliance.
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So if we can build an interact network for our debit cards, why can't we develop one for our credit?
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So for a credit card to be successful, it needs to be accepted pretty much everywhere.
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And in order for stores to get on board with accepting it,
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they have to know that their average customer is going to have a credit card and also want to use it.
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And so Visa and MasterCard have done a very good job of making this a reality by offering their customers lucrative rewards.
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But if you dig a little deeper, their business strategy is actually even more clever than that.
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Because just like McDonald's is more of a real estate empire than a fast food business,
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the same is a little bit true of Visa and MasterCard in that they don't issue credit cards themselves.
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What they do is they go around the world signing agreements with banks to issue the cards for them.
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What they give the banks in return is access to this network they've built, this network of banks and merchants and accounts.
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And banks want in on this network because it's fast, it's safe, it's reliable.
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If you tap your Visa or MasterCard pretty much anywhere in the world, chances are it's going to work.
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So they've cultivated that network over years and in a landscape where they didn't face all that much competition.
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And so for Canada to now enter that from scratch and launch our own credit card,
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it would mean at least initially that we'd be launching one
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that isn't accepted in as many places or doesn't offer the same rewards or the fees are higher.
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It just wouldn't be as competitive.
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Interesting.
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So where does that leave us then?
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Well, if for anybody who's been following the news this week, you might have heard of the launch of the real -time rail system
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and so this is a bit of an oversimplified explanation
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but what that is is it's basically an upgrade to the interact e -transfer function
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and so it allows for instant transfers from from one person's account to another
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and it also allows for the transfer of higher sums of money
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and so canada's already in talks with the european union about linking our real -time rail system with their equivalent
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which is known as the tip system and if
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that were to happen then some of the money
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that flows between canada and Europe could be done on rails that we control jointly with our allies in Europe.
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The other thing to keep an eye on is crypto, because America is dominant there as well,
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but that dominance isn't as firmly as entrenched as it is with the credit card sector.
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And what we're starting to see is earlier this year, we passed the Stablecoin Act.
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So we're starting to veer into the regulation of cryptocurrency.
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And we're starting to see more and more Canadian businesses pop up
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that are offering stable coins denominated in Canadian dollars so that now if someone goes online and buys cryptocurrency,
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they at least have the option of keeping the money here instead of almost by default, letting it flow across the border.
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So it's like sovereignty in crypto world.
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That's exactly right.
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This was fascinating.
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Mike, thanks so much for the story and for coming in.
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本課的詞彙與口語要點
這節口語課以影片“How Canada’s payment systems are under increasing control from the U.S”為素材。 影片中反覆出現的詞有：Canadian, card, stablecoin, transaction, dollar。 這段影片共有 120 個句子、1617 個單詞可供跟讀。 講話部分時長為 8:25。 說話人語速較快，每分鐘約 192 個詞，會出現較多連讀和弱讀。 83% 的單詞屬於英語最常用的 3,000 詞，其餘的詞建議在練習前先學一下。
影片中的重點詞彙
影片中 15 個值得學習的單詞，附發音和釋義：
| 單詞 | 發音 | 釋義 |
|---|---|---|
| transaction 名詞 | /tɹænˈzækʃən/ | 處理 /處理 |
| visa 名詞 | /ˈviːzə/ | 簽證 /簽證 |
| debit 名詞 | /ˈdɛb.ɪt/ | 借記 /借記 |
| rail 名詞 | /ɹeɪ(ə)l/ | 軌 /軌, 鐵軌 /鐵軌 |
| interact 動詞 | /ɪn.təˈɹækt/ | 互動 /互動 |
| sovereign 名詞 | /ˈsɑv(ə)ɹɪn/ | 君主 |
| vulnerability 名詞 | /ˌvʌln(ə)ɹəˈbɪlɪti/ | 脆弱性 |
| producer 名詞 | /pɹəˈdjuːsə/ | 製作者 /製作者 |
| currency 名詞 | /ˈkʌɹ.ən.si/ | 貨幣 /貨幣 |
| reward 名詞 | /ɹɪˈwɔɹd/ | 報酬 /報酬, 獎勵 /獎勵 |
| habit 名詞 | /ˈhæb.ɪt/ | 習慣 /習慣 |
| dominant 形容詞 | /ˈdɑmənənt/ | 主要 |
| sovereignty 名詞 | /ˈsɑv(ə)ɹənti/ | 主權 /主權 |
| percentage 名詞 | /pə(ɹ)ˈsɛntɪd͡ʒ/ | 百分率, 百分比 |
| stable 名詞 | /ˈsteɪ.bəl/ | 馬廄, 馬棚 /馬棚 |
影片中出現的短語動詞
| 單詞 | 釋義 |
|---|---|
| go through 動詞 | 通過 /通過 |
| go out 動詞 | 出, 出口 |
| pop up 動詞 | 彈出 |
影片中的語法
說話人最常用的結構，並附上影片中的原話：
| 結構 | 影片中的用法 |
|---|---|
| 現在完成進行時 have/has been + -ing — 以前開始、現在仍在繼續的動作 | that's been going · who's been following |
| 被動語態 be + 過去分詞 — 強調發生了什麼，而不是誰做的 | can be weaponized · are mostly handled · being conducted |
| 現在完成時 have/has + 過去分詞 — 過去發生但與現在仍有關聯的事 | they've done · we've seen · We've also seen |
需要注意的發音
說話人用了 22 次縮略和弱讀形式，例如 we're, they've, doesn't。請按聽到的簡短形式來說。
- “th” 音: thread /ˈθɹɛd/, gather /ˈɡæðɚ/, authorize /ˈɔθəɹaɪz/
- “sh” 和 “zh” 音: transaction /tɹænˈzækʃən/, explanation /ˌɛkspləˈneɪʃən/, regulation /ˌɹɛɡjʊˈleɪʃən/, politician /ˌpɑ.ləˈtɪʃ.ən/, sanction /ˈsæŋkʃən/
- 長單詞——注意重音位置: vulnerability /ˌvʌln(ə)ɹəˈbɪlɪti/, sovereignty /ˈsɑv(ə)ɹənti/, explanation /ˌɛkspləˈneɪʃən/, regulation /ˌɹɛɡjʊˈleɪʃən/, virtually /ˈvɚ.t͡ʃə.wə.li/
中文母語者容易讀錯的音：
- /v/ — 不要讀成 /w/，上齒輕觸下唇: visa /ˈviːzə/, sovereign /ˈsɑv(ə)ɹɪn/, vulnerability /ˌvʌln(ə)ɹəˈbɪlɪti/, sovereignty /ˈsɑv(ə)ɹənti/, virtually /ˈvɚ.t͡ʃə.wə.li/
- 詞尾子音 — 要讀清楚，後面不要加母音: debit /ˈdɛb.ɪt/, interact /ɪn.təˈɹækt/, reward /ɹɪˈwɔɹd/, habit /ˈhæb.ɪt/, dominant /ˈdɑmənənt/
- /r/ 和 /l/ 的區別: rail /ɹeɪ(ə)l/, vulnerability /ˌvʌln(ə)ɹəˈbɪlɪti/, reliance /ɹɪˈlaɪ.əns/, rarely /ˈɹɛəɹli/, regulation /ˌɹɛɡjʊˈleɪʃən/
如何用這段影片練習
- 先完整聽一遍影片，不要開口，記下不認識的單詞。
- 先用 0.75 倍速逐句跟讀，熟練之後再回到正常速度。
- 錄下自己的聲音並與原聲對比，特別注意 transaction, visa, debit 這類單詞。
什麼是跟讀法？
跟讀法 (Shadowing) 是一種有科學依據的語言學習技巧，最初開發用於專業口譯員的培訓，並由多語言者Alexander Arguelles博士普及。這個方法簡單而強大：您在聽英語母語原聲的同時立即大聲重複——就像是一個延遲1-2秒緊跟說話者的影子。與被動聽力或語法練習不同，跟讀法強迫您的大腦和口腔肌肉同時處理並模模擬實的講話模式。研究表明它能顯著提高發音準確性，語調，節奏，連讀，聽力理解和口語流利度——使其成為雅思口語備考和真實英語交流最有效的方法之一。