APACX：穩定基礎架構的全面服務提供商

關於東南亞迅速發展的數字經濟格局，引人注目的矛盾正在帶來金融創新的機會

In the rapidly developing digital economy landscape of Southeast Asia, a striking contradiction is giving rise to opportunities for financial innovation: According to the World Bank’s 2021 Global Findex, while only 56% of adults among the region’s 680 million population have bank accounts, the latest data from DataReportal 2023 shows that smartphone penetration has surpassed 75%, with mature markets like Singapore and Malaysia exceeding 80%. This unique pattern of “digital devices leading, financial services lagging” is creating a natural testing ground for digital financial tools such as stablecoins—when mobile terminal reach far exceeds bank branch coverage, leapfrogging financial inclusion may quietly be happening in this vibrant market.

In the rapidly developing digital economy landscape of Southeast Asia, a striking contradiction is giving rise to opportunities for financial innovation: According to the World Bank's 2021 Global Findex, while only 56% of adults among the region's 680 million population have bank accounts, the latest data from DataReportal 2023 shows that smartphone penetration has surpassed 75%, with mature markets like Singapore and Malaysia exceeding 80%.這種獨特的“數字設備領先，金融服務落後”的模式正在為諸如StableCoins之類的數字金融工具（移動終端範圍遠遠超過銀行分支機構的覆蓋率）創造自然測試地面，而在這個充滿活力的市場中，Leapfroggroggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoging Financial包容性可能會悄然發生。

Core Positioning: A Comprehensive Service Provider for Stablecoin Infrastructure

核心定位：穩定基礎架構的全面服務提供商

The APACX team consists of seasoned professionals from the fields of payments, Web3, asset management, and traditional internet, combining foresight in fintech with practical experience in mature markets. Core members have led the development of cross-border payment systems, stablecoin protocol design, and large-scale digital wallet applications, while also possessing compliance operation experience in the traditional asset management industry. This diverse professional background enables the team to accurately grasp the unique demand of the Southeast Asian market for “digital first, financial complement,” building innovative and practical digital financial solutions for local users.

APACX團隊由來自付款，Web3，資產管理和傳統互聯網領域的經驗豐富的專業人士組成，將Fintech的遠見與成熟市場的實踐經驗相結合。核心成員領導了跨境支付系統，Stablecoin協議設計和大規模數字錢包應用的開發，同時還具有傳統資產管理行業的合規性經驗。這種多樣化的專業背景使團隊能夠準確掌握東南亞市場對“數字第一，財務補充”的獨特需求，該需求是為本地用戶建立創新和實用的數字金融解決方案。

APACX focuses on stablecoins as its core leverage, providing full-chain infrastructure services for financial institutions, enterprises, and Web3 ecosystem participants. Its business covers three main directions:

ApaCX專注於穩定劑作為其核心槓桿作用，為金融機構，企業和Web3生態系統參與者提供全鏈基礎設施服務。它的業務涵蓋了三個主要方向：

• Stablecoin issuance consulting and custody: Supporting institutions in customizing local currency-pegged stablecoins (such as the Philippine Peso stablecoin PHT), and providing dynamic collateral management, real-time reserve auditing, and multi-chain wallet custody services.

•Stablecoin發行諮詢和監護權：支持機構定制當地貨幣固定的Stablecoins（例如菲律賓Peso Peso stablecoin PHT），並提供動態抵押管理，實時儲備審核和多chainChain錢包監護權服務。

• Cross-border payment and settlement: Achieving minute-level cross-border settlement by integrating SWIFT, local clearing systems, and blockchain networks, reducing transaction costs by over 60%.

•跨境支付和結算：通過集成SWIFT，本地清算系統和區塊鍊網絡來實現分鐘級的跨境和解，從而將交易成本降低了60％以上。

• Compliance access support: Providing fiat deposit and withdrawal interfaces, license application consulting, and localized compliance framework design for DeFi protocols and traditional enterprises transitioning to Web3.

•合規性訪問支持：提供法定存款和提款接口，許可申請諮詢以及針對Defi協議的本地化合規框架設計，傳統企業過渡到Web3。

APACX is validating its model in the Philippine market by collaborating with local bank-level payment institutions to build a scenario network covering cross-border e-commerce, remittances, supply chain finance, and more. Currently, the peso stablecoin PHT, which it is incubating as a technology provider, has connected to over 800 compliant offline exchange nodes and will further expand into more high-growth scenarios.

APACX通過與當地銀行級別的付款機構合作來驗證菲律賓市場的模型，以建立一個涵蓋跨境電子商務，匯款，供應鏈融資等的方案網絡。目前，它作為技術提供商孵化的Peso Stablecoin PHT已連接到800多個兼容的離線交換節點，並將進一步擴展為更高增長的情況。

Technical Foundation: Comprehensive Capabilities Behind the Service

技術基金會：服務背後的全面功能

APACX’s technical architecture is based on the principles of “compliance first, scenario-driven,” continuously accumulating in three major modules:

APACX的技術體系結構基於“首先，方案驅動”的原則，該原則不斷積累在三個主要模塊中：

• Multi-chain wallets and smart accounts: Providing white-label solutions for financial institutions through enterprise-level multi-chain wallet SDKs and MPC/AA smart account systems, helping them quickly deploy compliant digital asset entry points;

•多鏈錢包和智能帳戶：通過企業級的多鏈錢包SDK和MPC/AA智能帳戶系統為金融機構提供白色標籤解決方案，幫助他們快速部署合規的數字資產入口點；

• Customized stablecoin framework: Supporting dynamic collateral mechanisms and real-time reserve auditing systems to ensure reserve transparency, while also providing a virtual-fiat exchange network and physical savings card services;

•定制的Stablecoin框架：支持動態的附帶機制和實時儲備審核系統，以確保儲備透明度，同時還提供虛擬交換網絡和實物儲蓄卡服務；

• Blockchain security infrastructure: Building a full-chain system from data verification to asset protection, relying on SlowMist Technology’s full-stack auditing technology, Chainlink’s decentralized oracle network, and Lukka’s real-time trading risk control engine.

•區塊鏈安全基礎架構：從數據驗證到資產保護的全鏈系統構建全鏈系統，依靠Slowmist Technology的全堆棧審計技術，Chainlink的分散Oracle Network以及Lukka的實時交易風險控制引擎。

The complexity of technology is encapsulated into standardized service modules, allowing clients to access required functions without delving into the underlying layers. For example, a medium-sized e-commerce website can quickly integrate APACX’s payment system through multi-chain wallet and smart account technology, reducing cross-border settlement time from three days to real-time.

技術的複雜性被封裝在標準化的服務模塊中，使客戶可以訪問所需的功能，而無需深入研究基礎層。例如，中型電子商務網站可以通過多鏈錢包和智能帳戶技術快速整合ApaCX的支付系統，從而將跨境和解時間從三天減少到實時。

Regional Strategy: Building a Financial Interconnection Network in Southeast Asia

區域戰略：在東南亞建立金融互連網絡

APACX’s expansion blueprint centers on regulatory collaboration and infrastructure reuse. APACX is accelerating the replication of its validated technology model to markets such as Vietnam and Thailand, with the completion of this network expected to save regional enterprises over $1.5 billion in cross-border settlement costs annually.

APACX的擴展藍圖集中在監管合作和基礎設施重用。 APACX正在加速其經過驗證的技術模型向越南和泰國等市場的複制，該網絡的完成預計將每年節省超過15億美元的跨境和解成本。

A deeper strategy involves constructing a cross-industry resource matrix. By connecting financial institutions, regulatory bodies, and e-commerce platforms, APACX is forming an ecological closed loop of “payment-clearing-asset management.” For instance, in supply chain finance scenarios, enterprises can use APACX’s smart advisory system to achieve automatic allocation between fiat and digital assets while mitigating exchange rate fluctuation risks through a multi-currency fund pool. This “technology-scenario-regulation” three-dimensional collaboration builds significant competitive barriers for APACX.

更深層次的策略涉及構建跨行業資源矩陣。通過連接金融機構，監管機構和電子商務平台，ApaCX正在形成一個“付款清算資產管理”的生態閉環。例如，在供應鏈融資的情況下，企業可以使用APACX的智能諮詢系統來實現FIAT和數字資產之間的自動分配，同時通過多階段的匯率池減輕匯率波動風險。這種“技術 - 季節調節”的三維合作為ApaCX建立了重大的競爭障礙。

Future Vision: Paradigm Innovation in Web3 Financial Infrastructure

未來願景：Web3金融基礎架構中的範式創新

APACX’s practices provide a replicable Web3 transformation path for emerging markets. Its technical architecture not only achieves a leap in payment efficiency (from T+3 to real-time settlement) but also explores a paradigm of integrating regulatory frameworks with decentralized technology through a compliance-first strategy.

APACX的實踐為新興市場提供了可複制的Web3轉換路徑。它的技術架構不僅實現了付款效率的飛躍（從T+3到實時解決），而且還探討了通過合規性策略將監管框架與分散技術整合到分散技術的範式。

In the next three years

在接下來的三年中