非監護銀行業務：金融的未來現在是

想像一下，有一天醒來，發現您的銀行已經凍結了您的帳戶。沒有解釋，沒有道歉，也沒有警告。您無法獲得自己的錢。

Imagine waking up one day to discover that your bank has frozen your account without explanation, apology, or warning. You can’t access your own money. Think this is unrealistic? Think again. This is exactly what happened to thousands of Silicon Valley Bank customers last year when the bank collapsed overnight. It was a shocking and gut-wrenching reminder of the risks of custodial banking and centralized finance.

想像一下，有一天醒來，發現您的銀行在沒有解釋，道歉或警告的情況下凍結了您的帳戶。您無法獲得自己的錢。認為這是不現實的？想一想。去年，當銀行一夜之間倒塌時，這正是成千上萬的矽谷銀行客戶發生的事情。這是一個令人震驚的，令人震驚的提醒，使人想起了保管銀行和集中財務的風險。

Custodial banking is the type of banking that we all know – places that hold and manage your money. The moment you deposit funds, you don’t just give them your currency, you give them control, and with that, they have the power to restrict your access, block transactions, and in some cases, lose your funds due to institutional mismanagement.

託管銀行是我們都知道的銀行業務類型 - 持有和管理您的錢的地方。當您存入資金時，您不僅會給他們您的貨幣，還可以控制他們，因此，他們有權限制您的訪問權限，阻止交易，在某些情況下，由於機構管理不善而損失了您的資金。

You deserve a better system.

您應該得到一個更好的系統。

The Risks of Custodial Banking

託管銀行的風險

Where to start. The banks can arbitrarily do almost anything they like, such as freezing your account, causing you anything from a minor inconvenience to severe financial distress. There have been instances where a husband has died and the bank has frozen his joint-access accounts, locking his bereaved wife out at an excruciating time.

從哪裡開始。銀行幾乎可以任意地做他們喜歡的任何事情，例如凍結您的帳戶，從小不便到嚴重的財務困擾。在某些情況下，丈夫死了，銀行凍結了他的聯合訪問賬戶，在一個令人難以置信的時間將他死去的妻子鎖定了。

On top of that, custodial banks own all of your private financial data, which they routinely lose. Now, of course, accidents happen, but banks and their outdated security infrastructure have become perfect targets for cybercriminals and career hackers, who know that this compromised data is worth a small fortune.

最重要的是，託管銀行擁有您通常會損失的所有私人財務數據。當然，現在發生了事故，但是銀行及其過時的安全基礎設施已成為網絡犯罪分子和職業黑客的理想目標，他們知道這種折衷的數據值得一筆不小的收穫。

It’s not only banks’ data security practices that are weak, so are their antiquated policies, which see them prioritize excessive profits over customers’ best interests. This translates into exorbitant overdraft, loan, and mortgage fees, or poor interest rates on customer savings (while the bankers’ bonuses keep growing). At the same time, a lack of banking transparency means that your funds could be used for risky investments or speculative trading without your knowledge or consent. That is exactly what Silicon Valley Bank did to cripple themselves and lose $1.8bn of customer funds that were entrusted to them.

不僅是銀行的數據安全慣例，它們的陳舊政策也是如此，這使他們優先考慮利潤超過客戶的最大利益。這可以轉化為客戶節省的透支透支，貸款和抵押費或利率差（而銀行家的獎金不斷增長）。同時，缺乏銀行業透明度意味著您的資金可以在不知情或同意的情況下用於風險投資或投機性交易。這正是矽谷銀行為自己削弱自己而損失18億美元的客戶資金所做的事情。

We only have to go back a little further, to the 2008 financial crisis, a terrifying case study that allows us to point our fingers directly at the banks and identify how their reckless behavior led to devastating consequences for the whole world. Millions of people suffered directly, with many entrusting their life savings with bankers who were more competent at financial mismanagement and fraud than doing their actual jobs. Everyone else suffered through recessions, stagnant wage growth, high debts and unemployment, home foreclosures, an increased cost of living, and more.

我們只需要再回到2008年的金融危機，這是一項可怕的案例研究，使我們能夠直接將手指指向銀行，並確定他們的魯ck行為如何導致全世界造成毀滅性的後果。數以百萬計的人直接遭受了痛苦，許多人將自己的終生儲蓄與銀行家施加了儲蓄，而銀行家的財務管理不善和欺詐行為比從事實際工作更有能力。其他所有人都因經濟衰退，停滯的工資增長，高債務和失業，住房喪失抵押品贖回權，增加的生活成本等受苦。

In 2023, it was found that bankers’ bonuses have more than doubled since 2008. They’re no longer working for us at all.

在2023年，發現自2008年以來，銀行家的獎金增加了一倍以上。他們根本不再為我們工作。

What Is Non-Custodial Banking and Why Is It the Solution?

什麼是非習慣銀行業務，為什麼是解決方案？

Non-custodial banking means taking full control of your own funds without any reliance on third-party institutions, like banks and building societies. Once upon a time, this meant stuffing cash under the mattress, but these days, we’re talking about decentralized finance (DeFi) and blockchain technology.

非監護銀行意味著完全控制自己的資金，而無需任何依賴第三方機構，例如銀行和建築社會。曾幾何時，這意味著將現金塞在床墊下，但是如今，我們談論的是分散的金融（DEFI）和區塊鏈技術。

You hold your money in a way that nobody else can touch it. You hold the keys, and only you. With non-custodial banking, the combination of digital wallets, private keys, and smart contracts provide you with complete ownership and control of your assets. No more arbitrary freezes. No more data theft. No more restrictions. In addition, you have enhanced privacy and security, thanks to advanced cryptographic encryption and distributed ledger technology.

您以其他人可以觸摸它的方式持有金錢。您握住鑰匙，只有您。通過非監護銀行業務，數字錢包，私鑰和智能合約的組合為您提供了對您的資產的完全所有權和控制權。不再有任意的凍結。沒有更多的數據盜竊。沒有更多的限制。此外，由於先進的加密加密和分佈式分類帳技術，您還可以增強隱私和安全性。

Beyond improved security and control over your funds, there are other, less obvious advantages to non-custodial banking. One is that you’re no longer exposed to the same dangers of data loss, damage, or access complications as regular banking customers. Natural disasters, fires, and extreme weather have all led to major data loss over the years, not just for paper records, but for digital data too – not to mention service outages.

除了改善對您的資金的安全性和控制權外，非監護銀行業務還有其他不太明顯的優勢。一個是，您不再面臨與常規銀行客戶相同的數據丟失，損壞或訪問並發症的危險。多年來，自然災害，火災和極端天氣都導致了大量數據丟失，不僅是用於紙質記錄，而且對於數字數據而言，更不用說服務中斷了。

The Rise of Deobanks: A Self-Sovereign Alternative

Deobanks的崛起：一種自我主持的替代方案

A new generation of financial technologies is now disrupting the traditional banking industry, with WeFi leading the charge. As the first “Deobank”, WeFi represents a novel class of decentralized on-chain banks that are built on blockchain rails. Unlike traditional banks, and even Neobanks (which are still 100% custodial), Deobanks like WeFi provide decentralized and transparent financial services to their users, while still empowering them to retain full control of their non-custodial accounts.

現在，新一代金融技術正在破壞傳統的銀行業，而WEFI領導了這一指控。作為第一個“ Deobank”，WEFI代表了建立在區塊鏈導軌上的一類新型分散的鏈庫。與傳統的銀行甚至新雞銀行（仍然是100％的託管人）不同，像Wefi這樣的Deobanks為其用戶提供了分散和透明的金融服務，同時仍使他們能夠保留對非監測帳戶的完全控制。

It’s the best of both worlds, as WeFi offers non-custodial banking services with additional features, made possible by their smart contract-based accounts. WeFi’s account holders can spend using digital cards and smart wallet transactions, without ever handing over control of their funds to an intermediary. The transparent nature of the blockchain ensures full accountability without compromising user privacy.

這是兩全其美的最好的，因為WEFI提供了具有其他功能的非監護銀行服務，其基於智能合同的帳戶使得成為可能。 WEFI的帳戶持有人可以使用數字卡和智能錢包交易來花費，而無需將其資金控制權交給中介。區塊鏈的透明性質可確保不損害用戶隱私的全部問責制。

Everyone can benefit from non-custodial banking using services like WeFi, but one of the earliest case studies and beneficiaries of technology of

每個人都可以使用WEFI這樣的服務中受益