2023 年最適合加密新創公司的 3 個非託管錢包

在加密新創生態系統的爆炸性成長中，安全有效地管理資金是重中之重。這就是自我託管解決方案發揮作用的地方。

The rapid growth of the crypto startup ecosystem is evident in the massive influx of VC capital. Over the past 30 days, crypto-focused businesses participated in 154 funding rounds, leading to a remarkable 65.8% increase in total investment volume, which now stands at $3 billion.

加密貨幣新創生態系統的快速成長從創投的大量湧入中可見一斑。在過去 30 天裡，專注於加密貨幣的企業參與了 154 輪融資，總投資額大幅增加 65.8%，目前達到 30 億美元。

Of the total funds raised, 27.11% were directed towards Artificial Intelligence (AI) and its intersection with crypto. A nearly equal share of 26.51% went towards Developer Tools, highlighting the priority given to building a solid foundation in this space. Data services and decentralized exchanges each received 15.77%, while payment solutions (14.77%) also attracted significant attention.

在籌集的資金總額中，27.11% 用於人工智慧 (AI) 及其與加密貨幣的交叉領域。開發人員工具所佔的份額幾乎相等，均為 26.51%，凸顯了在該領域建立堅實基礎的優先考慮。數據服務和去中心化交易所各佔 15.77%，而支付解決方案（14.77%）也引起了廣泛關注。

Amid this dynamic growth, startups face an equally important challenge: managing their funds securely and efficiently. And this is where self-custodial solutions come into play as vital tools offering businesses the much-in-demand freedom to operate on their own terms, backed by robust security and flexibility.

在這種動態成長的過程中，新創公司面臨著同樣重要的挑戰：安全有效地管理其資金。這就是自我託管解決方案作為重要工具發揮作用的地方，為企業提供急需的按照自己的方式運作的自由，並以強大的安全性和靈活性為後盾。

In this piece, we’ll explore the three most recommended non-custodial wallets that every crypto startup—whether blockchain innovators, DeFi pioneers, or Web3 businesses—can rely on for secure and streamlined fund management.

在本文中，我們將探討三個最受推薦的非託管錢包，每個加密新創公司（無論是區塊鏈創新者、DeFi 先驅還是 Web3 企業）都可以依賴它們來實現安全和簡化的資金管理。

1. NOW Wallet

1.NOW錢包

Crypto startups need wallets that not only store their funds but also integrate seamlessly with their business operations—something NOW Wallet has proven to achieve effectively.

加密新創公司需要的錢包不僅能儲存資金，還能與業務營運無縫整合——事實證明 NOW Wallet 可以有效實現這一目標。

Secure, Private, and Controlled Crypto Management

安全、私密且受控的加密管理

NOW Wallet offers businesses secure storage by providing a non-custodial solution, giving full control over private keys and digital assets. This eliminates reliance on third parties and removes centralized points of failure, enhancing security. Key features like mnemonic phrase recovery, end-to-end encryption, PIN Protection, biometrics, and Two-Factor Authentication (available for Pro users) ensure startups can securely store their assets and protect against unauthorized access.

NOW Wallet 透過提供非託管解決方案為企業提供安全存儲，從而完全控制私鑰和數位資產。這消除了對第三方的依賴並消除了集中的故障點，從而增強了安全性。助記詞復原、端對端加密、PIN 保護、生物辨識和雙重認證（專業版使用者可用）等關鍵功能可確保新創公司能夠安全地儲存其資產並防止未經授權的存取。

Cryptocurrency Payments with POS Integration

與 POS 整合的加密貨幣支付

One of NOW Wallet’s standout features for businesses is its Point of Sale (POS) system, powered by the NOWPayments API. This fully integrated solution allows startups to accept cryptocurrency payments seamlessly, supporting over 300 cryptocurrencies. Businesses can generate customized invoices, specify preferred cryptocurrencies for payment, and track their transactions.

NOW Wallet 為企業提供的突出功能之一是由 NOWPayments API 提供支援的銷售點 (POS) 系統。這種完全整合的解決方案允許新創公司無縫接受加密貨幣付款，支援 300 多種加密貨幣。企業可以產生客製化發票、指定首選加密貨幣進行付款並追蹤交易。

The transaction fee for crypto-to-fiat conversions is just 0.5%, while the fiat withdrawal fee ranges from 1.5% to 2.3%, depending on transaction volume. With a $0 integration cost, NOW Wallet makes it easy for startups to integrate a crypto payment solution without incurring high upfront costs.

加密貨幣到法幣兌換的交易費用僅為 0.5%，而法幣提現費用則根據交易量從 1.5% 到 2.3% 不等。 NOW Wallet 的整合成本為 0 美元，使新創公司可以輕鬆整合加密支付解決方案，而不會產生高昂的前期成本。

Features such as automated crypto-to-fiat conversions, AML/KYC compliance, invoicing, and transaction reporting also make NOW Wallet a valuable tool for businesses. Through its integration with Switchere, startups can also cash out quickly, with withdrawals typically processed within one business day—critical for businesses that need fast access to funds.

自動加密貨幣到法定貨幣的轉換、AML/KYC 合規性、發票和交易報告等功能也使 NOW 錢包成為企業的寶貴工具。透過與 Switchere 的集成，新創公司還可以快速兌現，提款通常在一個工作天內處理完畢，這對於需要快速獲取資金的企業至關重要。

NOW Wallet’s POS Interface

NOW錢包的POS接口

As a whole, for crypto startups venturing into payment acceptance, NOW Wallet is a straightforward tool to streamline acceptance of digital currencies in a non-custodial environment.

總的來說，對於涉足支付接受領域的加密新創公司來說，NOW Wallet 是一個簡單的工具，可以簡化非託管環境中數位貨幣的接受度。

Wide Range of Supported Assets & In-App Swaps

廣泛支持的資產和應用內交換

NOW Wallet stands out for its multi-currency integration, supporting over 70 blockchains and 1,500+ tokens, including high-cap coins like Bitcoin (BTC) and Ethereum (ETH), privacy coins such as Monero (XMR) and Zcash (ZEC), stablecoins like Tether (USDT) and USD Coin (USDC), and many more, as well as custom tokens from supported EVM-compatible blockchains and the Tron network. It also offers an integrated limitless and almost instant swap service powered by ChangeNOW, a non-custodial exchange, both of which are part of the NOW non-custodial ecosystem.

NOW 錢包因其多貨幣整合而脫穎而出，支援70 多個區塊鏈和1,500 多種代幣，包括比特幣(BTC) 和以太坊(ETH) 等高市值代幣，門羅幣(XMR) 和Zcash (ZEC) 等隱私代幣， Tether (USDT) 和 USD Coin (USDC) 等穩定幣，以及來自受支援的 EVM 相容區塊鏈和 Tron 網路的自訂代幣。它還提供由非託管交易所 ChangeNOW 提供支援的整合無限且幾乎即時的交換服務，這兩者都是 NOW 非託管生態系統的一部分。

This is vital for crypto startups working across different blockchain ecosystems or experimenting with new token projects. Thus, they won’t need to rely on multiple wallets or exchanges to manage and exchange their funds.

這對於跨不同區塊鏈生態系統工作或嘗試新代幣項目的加密新創公司至關重要。因此，他們不需要依賴多個錢包或交易所來管理和交換他們的資金。

Optimized UX

優化的使用者體驗

NOW Wallet’s intuitive interface bridges the gap between crypto and traditional UX, allowing teams to organize their finances with the minimum amount of effort. Whether it’s a small project or a larger operation, the wallet’s minimalist design—focused on functionality without unnecessary elements—streamlines fund management.

NOW Wallet 直覺的介面彌合了加密貨幣和傳統用戶體驗之間的差距，使團隊能夠以最少的努力來組織財務。無論是小型專案還是大型運營，錢包的簡約設計（專注於功能，沒有不必要的元素）都簡化了資金管理。

Crypto Staking

加密貨幣質押

Startups can, as well, take advantage of staking options for PoS tokens—Tron (TRX), Solana (SOL), Cosmos (ATOM), Cardano (ADA), Tezos (XTZ), Binance Coin (BNB), and NOW Token (NOW), helping them earn passive income from their holdings in these cryptos.

新創公司還可以利用 PoS 代幣的質押選項——Tron (TRX)、Solana (SOL)、Cosmos (ATOM)、Cardano (ADA)、Tezos (XTZ)、Binance Coin (BNB) 和 NOW Token（ NOW），幫助他們從持有的這些加密貨幣中賺取被動收入。

Buying and Selling Crypto

購買和出售加密貨幣

Another significant advantage of NOW Wallet is its fiat-to-crypto on- and off-ramp support. With integration for over 60 fiat currencies, businesses can easily buy and sell crypto using major payment methods like Visa, Mastercard, Google Pay, Apple Pay, and bank transfers.

NOW 錢包的另一個顯著優勢是其法幣到加密貨幣的進出通道支援。透過整合 60 多種法定貨幣，企業可以使用 Visa、Mastercard、Google Pay、Apple Pay 和銀行轉帳等主要支付方式輕鬆買賣加密貨幣。

NFT Management

NFT管理

NOW Wallet’s built-in NFT management

NOW錢包內建NFT管理