中心化難題：比特幣 ETF 與去中心化 Web 3.0 的迫切需求

等待已久的比特幣現貨 ETF 的批准引發了人們對傳統金融機構涉足加密貨幣領域的擔憂。由於其笨重的基礎設施和可用性挑戰，此舉可能會集中市場並阻礙 Web 3.0 的主流採用。支持者呼籲採取更去中心化的方法，並認為用戶友好的 Web 3.0 基礎設施具有簡化的流程和安全的交易，可以完全消除對 ETF 的需求。透過解決這些問題，Web 3.0 可以為未來鋪平道路，使加密貨幣交易與傳統金融作業一樣無縫且安全。

The Perils of Centralization: The Bitcoin ETF Conundrum and the Imperative for Decentralized Web 3.0

中心化的危險：比特幣 ETF 難題和去中心化 Web 3.0 的必要性

After years of anticipation and countless rejections, exchange-traded funds (ETFs) tethered to Bitcoin's spot price have finally gained regulatory approval in the United States. This development, while hailed as a milestone for the cryptocurrency industry, raises fundamental concerns about the growing involvement of traditional financial institutions and the potential for centralization within the nascent Web 3.0 ecosystem.

經過多年的期待和無數次的拒絕，與比特幣現貨價格掛鉤的交易所交易基金（ETF）終於在美國獲得了監管部門的批准。這一發展雖然被譽為加密貨幣產業的里程碑，但也引發了人們對傳統金融機構日益增加的參與以及新興 Web 3.0 生態系統中中心化潛力的根本擔憂。

The debut of 11 Bitcoin ETFs marks a pivotal moment for crypto enthusiasts, offering them the opportunity to gain exposure to the world's largest cryptocurrency without the complexities of direct ownership. While this influx of institutional capital into the market is widely expected to fuel substantial growth, it is essential to scrutinize the potential ramifications of this convergence.

11 隻比特幣 ETF 的首次亮相標誌著加密貨幣愛好者的關鍵時刻，為他們提供了接觸世界上最大的加密貨幣的機會，而無需複雜的直接所有權。儘管人們普遍預期機構資本湧入市場將推動大幅成長，但有必要仔細審查這種趨同的潛在影響。

One of the most prominent players in this ETF landscape is BlackRock, the world's largest asset manager. This development, coupled with the inherently centralized nature of traditional ETF systems, should serve as a wake-up call for the cryptocurrency community.

ETF 領域最著名的參與者之一是全球最大的資產管理公司 BerRock。這種發展，加上傳統 ETF 系統固有的中心化性質，應該為加密貨幣社群敲響警鐘。

The dominance of centralized entities poses a significant threat to the decentralized ethos that underpins the Web 3.0 revolution. Centralization concentrates power in the hands of a few select institutions, making them vulnerable to manipulation, censorship, and potential abuses.

中心化實體的主導地位對支撐 Web 3.0 革命的去中心化精神構成了重大威脅。集權化將權力集中在少數選定的機構手中，使它們容易受到操縱、審查和潛在的濫用。

The decentralized nature of Web 3.0 was intended to address precisely these concerns by distributing power and control across a vast network of nodes. However, the current state of the Web 3.0 infrastructure remains far from user-friendly, creating a significant barrier to entry for newcomers and impeding widespread adoption.

Web 3.0 的去中心化本質旨在透過在龐大的節點網路上分配權力和控制來精確解決這些問題。然而，Web 3.0 基礎設施的當前狀態仍然遠非用戶友好，這為新手的進入造成了重大障礙，並阻礙了廣泛採用。

Had Web 3.0 prioritized user experience from its inception, offering the same level of ease and intuitiveness as mainstream financial applications, the need for intermediaries like ETFs would have been significantly diminished.

如果 Web 3.0 從一開始就優先考慮使用者體驗，提供與主流金融應用程式相同程度的易用性和直觀性，那麼對 ETF 等中介機構的需求將會大大減少。

Challenges Hindering Mainstream Adoption

阻礙主流採用的挑戰

Despite the undeniable growth in popularity of cryptocurrencies, mainstream adoption of Web 3.0 technology has been sluggish compared to established payment methods like PayPal and Zelle. Several factors contribute to this disparity, including:

儘管加密貨幣的普及程度不可否認，但與 PayPal 和 Zelle 等成熟的支付方式相比，Web 3.0 技術的主流採用仍然緩慢。造成這種差異的因素很多，包括：

• Complexity of Managing Crypto Transactions: Managing seed phrases and navigating intricate addresses composed of long strings of characters can be daunting for new users.
• Cost of Hardware Wallets: Hardware wallets, often regarded as the most secure method of storing cryptocurrencies, can be prohibitively expensive, especially in emerging economies.
• Lack of User-Friendly Interfaces: Current crypto wallets primarily focus on functionality, neglecting the user experience. Compared to sleek and intuitive fintech platforms, they fall short in terms of ease of use and accessibility.

A More Intuitive and User-Centric Web 3.0

管理加密貨幣交易的複雜性：管理助記詞和導航由長字串組成的複雜地址對於新用戶來說可能是令人畏懼的。安全的方法，但其成本可能高得令人望而卻步，尤其是在新興經濟體。與時尚直覺的金融科技平台相比，它們在易用性和可訪問性方面存在不足。

These challenges can be overcome by embracing a user-centric approach that streamlines crypto transactions, making them as seamless and intuitive as transferring funds via PayPal. Features such as "send to name" eliminate the need for memorizing complex crypto addresses, allowing users to transfer funds to human-readable contacts with a few simple taps.

這些挑戰可以透過採用以用戶為中心的方法來克服，該方法可以簡化加密交易，使交易像透過 PayPal 轉帳一樣無縫且直觀。 「發送至姓名」等功能無需記住複雜的加密地址，用戶只需輕按幾下即可將資金轉移到人類可讀的聯絡人處。

Crucially, this approach eliminates the reliance on centralized databases, a significant vulnerability in current Web 3.0 systems. Platforms like Unstoppable Domains require users to set up separate Web 3.0 wallets and manually paste addresses, making it difficult to verify the credibility of parties involved in transactions and increasing the risk of phishing attacks.

至關重要的是，這種方法消除了對集中式資料庫的依賴，這是目前 Web 3.0 系統中的重大漏洞。 Unstoppable Domains 等平台要求用戶設置單獨的 Web 3.0 錢包並手動貼上地址，這使得驗證交易參與者的可信度變得困難，並增加了網路釣魚攻擊的風險。

The future of payment solutions lies in versatility, catering to both individual users and B2B wallet developers. Features like staking should be readily available within wallets, eliminating additional steps that introduce friction and complexity.

支付解決方案的未來在於多功能性，同時滿足個人用戶和 B2B 錢包開發商的需求。像質押這樣的功能應該可以在錢包中輕鬆使用，從而消除帶來摩擦和複雜性的額外步驟。

Moreover, crypto addresses should be verified through a cryptographic proof of identity, adding an extra layer of protection and making phishing attempts virtually impossible. Such safeguards empower users and foster trust within the Web 3.0 ecosystem.

此外，加密位址應透過身分加密證明進行驗證，增加額外的保護層並使網路釣魚嘗試幾乎不可能。此類保障措施賦予使用者權力並在 Web 3.0 生態系統中培養信任。

The Path to Mass Adoption

大規模採用之路

Next-generation Web 3.0 wallets must prioritize accessibility and become more approachable for users accustomed to fintech. By providing enhanced security, faster transfers, and secure custody covering both on-chain transactions and DeFi, Web 3.0 wallets can emerge as the crypto equivalent of PayPal.

新一代 Web 3.0 錢包必須優先考慮可訪問性，並且對於習慣金融科技的用戶來說更加平易近人。透過提供增強的安全性、更快的傳輸速度以及涵蓋鏈上交易和 DeFi 的安全託管，Web 3.0 錢包可以成為 PayPal 的加密貨幣等價物。

Simplifying user experiences and concealing the complexities of Web 3.0 behind the scenes is the key to unlocking mass adoption. This approach enables individuals to harness the power of cryptocurrency without requiring an in-depth understanding of its underlying mechanics.

簡化使用者體驗並隱藏 Web 3.0 的複雜性是實現大規模採用的關鍵。這種方法使個人能夠利用加密貨幣的力量，而無需深入了解其底層機制。

With a secure and user-friendly app, the need for ETFs as gateways to crypto trading diminishes, allowing investments to become as effortless as transferring funds between bank accounts.

有了安全且用戶友好的應用程序，ETF 作為加密貨幣交易網關的需求就會減少，從而使投資變得像在銀行帳戶之間轉移資金一樣輕鬆。

The Future of Bitcoin ETFs: Decentralization as a Paramount

比特幣 ETF 的未來：去中心化是最重要的

The recent approval of Bitcoin ETFs has shifted the spotlight to the imperative for decentralization within the cryptosphere. Ensuring that consumers can access cryptocurrencies seamlessly and intuitively, without the need for extensive technical knowledge, is the ultimate goal.

最近比特幣 ETF 的批准將人們的注意力轉移到了加密領域去中心化的必要性。確保消費者能夠無縫、直觀地存取加密貨幣，而不需要廣泛的技術知識，是最終目標。

By addressing the challenges that currently hinder Web 3.0 adoption, we can pave the way for a future where cryptocurrency transactions are as convenient and secure as traditional financial transactions.

透過解決目前阻礙 Web 3.0 採用的挑戰，我們可以為加密貨幣交易像傳統金融交易一樣方便且安全的未來鋪路。

Michal "Mehow" Pospieszalski, a seasoned tech leader and co-founder of SwissFortress and MatterFi, eloquently articulates the need for a decentralized Web 3.0, emphasizing that "the challenges of current Web 3.0 adoption must be addressed to pave the way for a future where cryptocurrency transactions are as simple and secure as traditional financial transactions."

Michal “Mehow” Pospieszalski 是一位經驗豐富的技術領導者，也是SwissFortress 和MatterFi 的聯合創始人，他雄辯地闡明了對去中心化Web 3.0 的需求，強調“必須解決當前採用Web 3.0 的挑戰，為未來鋪路。