比特幣（BTC）在FluidTokens的新水族館RWA方案中符合分散的金融（DEFI）

FluidTokens通常不是人們首先尋求Defi Innovation的地方。但是像FluidTokens這樣的項目開始挑戰

Cardano isn't usually the first place people look for DeFi innovation. But projects like FluidTokens are beginning to challenge that assumption, focusing on fundamentals like decentralization, fee stability, and long-term scalability.

Cardano通常不是人們首先尋求Defi Innovation的地方。但是，像FluidTokens這樣的項目開始挑戰這一假設，重點是權力下放，費用穩定性和長期可擴展性等基本面。

This vision starts with Aquarium, FluidTokens' system for making Bitcoin usable in Cardano DeFi. It introduces Babel Fees, which allow users to cover transaction costs with any Cardano Native Token—including bridged Bitcoin—without needing ADA. Then there's Midgard, a lightweight roll-up designed to speed up transactions while still relying on Cardano's base-layer security.

該願景始於水族館，即FluidTokens的系統，用於使比特幣在Cardano Defi中使用。它引入了預告額，該費用允許用戶使用任何需要ADA的Cardano Native代幣（包括橋接比特幣）來支付交易成本。然後是Midgard，這是一種輕巧的捲起，旨在加快交易，同時仍依靠Cardano的基本安全性。

In this Q&A, we speak with FluidTokens' CEO, Matteo Coppola, about what they're building behind the scenes—from a new lending protocol to a broader vision that touches Bitcoin, real-world assets, and more.

在此問答中，我們與FluidTokens的首席執行官Matteo Coppola談論了他們在幕後建立的內容，從新的借貸協議到更廣泛的願景，它觸及比特幣，現實世界中的資產等等。

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BeInCrypto: Building on Cardano is often overlooked in the Ethereum-dominated narrative. What strategic advantages has Cardano offered FluidTokens, beyond the usual talking points around fees and uptime?

Beincrypto：在以太坊主導的敘述中經常被忽視。 Cardano提供了哪些戰略優勢，超越了圍繞費用和正常運行時間的通常說話積分？

Matteo Coppola: Ethereum had the first-to-market advantage in the smart contract economy, and its Account Model was therefore used as the standard for many years. Cardano instead keeps the original Bitcoin architecture, expanding it to allow proper UTXO smart contracts.

Matteo Coppola：以太坊具有智能合同經濟的第一到市場優勢，因此，其帳戶模型被用作多年來的標準。 Cardano取而代之的是將原始的比特幣體系結構保留，並將其擴展以允許使用適當的UTXO智能合約。

Now that the general web3 community is facing the limitations of the Account Model, UTXO-based blockchains can show a better alternative, all properly connected by Cardano.

現在，一般的Web3社區正面臨帳戶模型的局限性，基於UTXO的區塊鏈可以顯示出更好的替代方案，所有這些都可以由Cardano正確連接。

Cardano offers FluidTokens an always online realistic decentralized environment that can properly bridge assets among UTXO blockchains such as Bitcoin and any Layer 2 that anchors its security to a UTXO Layer 1.

Cardano為FluidTokens提供了一個始終在線現實的分散環境，可以在UTXO區塊鏈（例如比特幣）和任何將其安全性固定在UTXO第1層上的第2層之間正確橋接資產。

Additionally, Cardano has one of the most vibrant communities, where its numbers are not made by bots and wash trading but by the authentic interest of real people.

此外，Cardano是最充滿活力的社區之一，它的數字不是由機器人和Wash交易來製作的，而是由真實人民的真實利益進行的。

FluidTokens has been a leading DeFi ecosystem on Cardano since 2022. It is currently the only ecosystem that has deployed real DeFi protocols on Bitcoin layer-1, so it’s a no-brainer to keep supporting and improving Cardano.

自2022年以來，FluidTokens一直是Cardano的領先生態系統。目前，它是唯一在比特幣1層上部署實際Defi協議的生態系統，因此繼續支持和改善Cardano是不費吹灰之力的。

BeInCrypto: The Aquarium Babel fees model introduces a different way of thinking about user incentives. What led you to design it this way, and what kinds of user behavior are you hoping it encourages?

Beincrypto：水族館的預告片模型引入了另一種思考用戶激勵措施的方式。是什麼促使您以這種方式設計它，您希望它能鼓勵什麼樣的用戶行為？

Matteo Coppola: Blockchain is a core part of any Web3 stack—but end users shouldn’t be burdened by the complexities of transaction building or on-chain settlement. The experience should be simple, secure, and smooth.

Matteo Coppola：區塊鍊是任何Web3堆棧的核心部分，但最終用戶不應受到交易建設或鏈接結算的複雜性的負擔。體驗應該簡單，安全和順利。

This is impossible if the user has to own and manage ADA, the native currency that Cardano accepts, to execute transactions. For example, how can an average person know where to buy ADA, how not to get scammed, how to do an annoying KYC on a centralized exchange, how much to buy, and how to send it to their non-custodial wallet? All of this must be avoided if ADA is not necessary in his daily operations.

如果用戶必須擁有和管理Cardano接受的原始貨幣並執行交易的ADA，這是不可能的。例如，一個普通人怎麼知道在哪裡買ADA，如何不被騙子，如何在集中式交易所進行煩人的KYC，購買多少以及如何將其發送到其非監測的錢包？如果ADA在他的日常操作中沒有必要的情況下，所有這些都必須避免。

Aquarium allows users to pay transaction fees with custom tokens, such as stablecoins, in a fully decentralized way. An open market provides ADA to sponsor transaction fees in exchange for a certain amount of another token, allowing supply and demand to be met and simplifying the user experience.

水族館允許用戶以完全分散的方式使用定制令牌（例如Stablecoins）支付交易費用。一個開放市場為贊助商交易費用提供ADA，以換取一定數量的另一個令牌，從而可以滿足供應和需求，並簡化用戶體驗。

Aquarium will also enable Bitcoin users to execute DeFi operations on Cardano without the need to own any ADA, officially enabling Cardano as a DeFi layer for Bitcoin.

水族館還將使比特幣用戶在Cardano上執行Defi操作，而無需擁有任何ADA，正式使Cardano成為比特幣的Defi層。

BeInCrypto: Midgard plays a role in FluidTokens' approach to scaling. How does it fit into your broader roadmap for expanding access to DeFi while staying aligned with decentralization?

Beincrypto：Midgard在FluidTokens的縮放方法中發揮了作用。它如何適合您更廣泛的路線圖，以擴大對Defi的訪問，同時保持與權力下放的一致？

Matteo Coppola: We are building Midgard in collaboration with Anastasia Labs to solve the Cardano fast-finality and low-fee issues that you inevitably meet when on any properly decentralized blockchain.

Matteo Coppola：我們正在與Anastasia Labs合作建立Midgard，以解決您在任何適當分散的區塊鏈上時不可避免地遇到的Cardano快速問題和低收入問題。

On Midgard, our DeFi products can become highly competitive with traditional ones, empowering real-time trading, video game economies, and daily retail payments.

在Midgard上，我們的Defi產品可能會與傳統產品具有很高的競爭力，從而賦予實時交易，視頻遊戲經濟體和日常零售付款能力。

Combined with Aquarium babel fees, the user experience starts to become pretty close to the old traditional system while keeping the most fundamental aspect—decentralization.

結合水族館的預付款，用戶體驗開始變得非常接近舊的傳統系統，同時保持最基本的方面 - 中央化。

BeInCrypto: FluidTokens is rolling out a new lending protocol. Can you walk us through the core idea behind it and what specific problems you’re aiming to solve that other protocols haven't addressed yet?

Beincrypto：FluidTokens正在推出新的貸款協議。您能否引導我們瀏覽其背後的核心想法，以及您要解決其他協議尚未解決的具體問題？

Matteo Coppola: The new FluidTokens lending protocol has been designed in a highly modular way to accommodate an impressive number of different types of loans. The objective is to apply a different flavor of lending to ensure all user categories find what they are looking for on both the lending and the borrowing sides.

Matteo Coppola：新型流體貸款方案的設計是一種高度模塊化的方式，可容納令人印象深刻的不同類型的貸款。目的是應用不同的貸款風味，以確保所有用戶類別都在貸款和借款方面找到所需的東西。

Lenders, whether private

貸方，是否私人