Comparison of Traditional Payment and Blockchain Payment Methods in the Same Payment Point

In recent years, with the acceleration of economic globalization, the development of blockchain economy is more and more rapid, which plays a huge role in the fields of supply chain finance, cross-border payment, insurance claims and so on. Digital currency, as the only mature application scenario of blockchain, has great research value. Based on newsvendor model and from the perspective of payer, this paper discusses the income of payer in traditional cross-border foreign exchange transfer and block chain economic ripple foreign exchange transfer, and analyzes the corresponding data. In the future, the opportunity cost of payer and the income from arbitrage will be considered.