Deobanks即將到來：認識Wefi，第一個分散的鏈銀行

金融科技在沒有停止的情況下就可以前進，但是世界各地的許多人仍然無法訪問基本的銀行服務。

Fintech has been rapidly advancing, but a significant portion of the world's population still lacks access to basic banking services. Statistics highlight that approximately 1.4 billion adults are excluded from the formal financial system. This pressing issue hinders personal growth, stifles economic success, and ultimately slows down innovation.

金融科技一直在迅速發展，但是世界人口中很大一部分仍無法獲得基本的銀行服務。統計數據強調，大約14億成年人被排除在正式金融體系之外。這個緊迫的問題阻礙了個人成長，扼殺了經濟成功，並最終減慢了創新。

Decentralized finance (DeFi) has already revolutionized finance by eliminating intermediaries and rendering transactions more transparent and efficient. Powered by blockchain technology, this industry has experienced meteoric growth, with billions of dollars flowing through platforms that empower users to lend, save, and transact without the involvement of traditional banks. From cross-border payments to lending, DeFi is streamlining processes and increasing transparency in various financial services. Now, a new type of digital bank, known as a deobank, is being developed to expand upon the benefits of DeFi and neobanks in order to serve those who are currently underserved by the financial system.

分散的金融（DEFI）已經通過消除中介機構和使交易更加透明和高效來徹底改變財務。該行業由區塊鏈技術提供支持，經歷了迅速增長，數十億美元通過平台，賦予用戶能夠借入，保存和交易而無需參與傳統銀行。從跨境支付到貸款，DEFI正在簡化各種金融服務的流程並提高透明度。現在，正在開發一種新型的數字銀行（被稱為Deobank），以擴大Defi和Neobanks的好處，以服務於目前在金融體系中服務不足的人。

Neobanks have modernized digital banking with sleek apps and improved user experiences. However, they are still limited by the same legacy infrastructure and regulations as traditional banks. They face ongoing challenges with geographic restrictions, compliance requirements, and the administrative burden associated with KYC (Know Your Customer) procedures. These obstacles prevent neobanks from fully including large portions of the global population.

Neobanks通過光滑的應用程序和改進的用戶體驗進行了現代化的數字銀行業務。但是，它們仍然受到與傳統銀行相同的舊基礎設施和法規的限制。由於地理限制，合規要求以及與KYC（了解您的客戶）程序相關的行政負擔，他們面臨著持續的挑戰。這些障礙阻止了新單銀行完全包括全球人口的大部分。

Many people, especially those without formal identification or who are located in challenging geographical areas, struggle to open bank accounts, access credit, or participate in global financial markets. Moreover, high fees, slow processing times, and the need for centralized approval in institutions like SWIFT for cross-border transactions create additional barriers to financial inclusion.

許多人，尤其是那些沒有正式身份證明或位於具有挑戰性的地理區域的人，很難開設銀行帳戶，訪問信貸或參與全球金融市場。此外，高費用，緩慢的處理時間以及在諸如Swift諸如跨境交易之類的機構中獲得集中批准的需求，為金融包容性帶來了額外的障礙。

Deobanks, which stands for decentralized on-chain banks, are taking a novel approach by operating entirely on blockchain, free from the constraints of conventional banking. They aim to solve the issues faced by neobanks through their inherent transparency and the automation of financial services via smart contracts. From payments to savings and yield generation, every process is designed to be fully transparent, easily accessible, and inherently secure.

代表分散的鏈銀銀行的Deobanks正在通過完全在區塊鏈上操作，不受常規銀行業務的限制來採取一種新穎的方法。他們的目標是通過智能合約來解決新單銀行所面臨的問題和金融服務的自動化。從付款到儲蓄和產量產生，每個過程都設計為完全透明，易於訪問且固有的安全。

Setting up a standard bank account can be difficult due to strict ID requirements and complicated procedures. For instance, opening a bank account in the U.S. typically involves filling out a lengthy application form, providing several documents for KYC and AML (Anti-Money Laundering) compliance, and undergoing a background check. These processes can be time-consuming and inconvenient, especially for people who are new to the country or who prefer a faster and more streamlined experience.

由於嚴格的ID要求和復雜的程序，設置標準銀行帳戶可能很困難。例如，在美國開設一個銀行帳戶通常涉及填寫一份冗長的申請表，為KYC和AML（反洗錢）合規提供了多個文件，並進行了背景調查。這些過程可能會很耗時且不便，特別是對於那些剛接觸該國或更喜歡更快，更簡化體驗的人。

Moreover, traditional KYC methods often rely heavily on manual labor, which is inefficient and prone to error. In today's digital age, we need a more agile and scalable solution to meet the growing demand for financial services.

此外，傳統的KYC方法通常嚴重依賴手動勞動，這效率低下且容易出錯。在當今的數字時代，我們需要一個更敏捷和可擴展的解決方案來滿足對金融服務不斷增長的需求。

Deobanks are gradually integrating AI to streamline the KYC process. While traditional KYC will still be necessary for now, the shift toward AI-powered verification will progressively reduce barriers and improve accessibility for those who lack formal documentation or prefer a faster onboarding experience. The quick and accurate verification process helps bring financial products and services to those who were previously out of reach.

Deobanks正在逐漸集成AI以簡化KYC過程。儘管現在仍然需要傳統的KYC，但向AI驅動驗證的轉變將逐步降低障礙並改善缺乏正式文檔或更喜歡更快入職經驗的人的可訪問性。快速準確的驗證過程有助於將金融產品和服務帶給以前遙不可及的人。

For example, migrant workers and refugees may not have complete documentation in their host country, making it difficult for them to open bank accounts or access other financial services. Deobanks can use AI to analyze various data points, including social media profiles, online activity, and government records, in order to create a comprehensive digital footprint of an individual. This allows them to verify identity and financial history in a more efficient and accurate manner.

例如，移民工人和難民可能在其東道國沒有完整的文件，因此他們很難開設銀行帳戶或訪問其他金融服務。 Deobanks可以使用AI分析包括社交媒體資料，在線活動和政府記錄在內的各種數據點，以創建個人的全面數字足跡。這使他們能夠以更高效，更準確的方式驗證身份和財務歷史記錄。

With their advanced technology and focus on financial inclusion, deobanks like WeFi are poised to revolutionize the banking industry and bring the benefits of decentralized finance to a wider audience.

憑藉其先進的技術並專注於金融包容性，像Wefi這樣的Deobanks準備徹底改變銀行業，並將分散財務的好處帶給更廣泛的受眾。

Most banking systems, including neobanks, have deposits centralized in specific accounts. However, deobanks invert this model, placing control of deposits directly in the hands of the customer. They integrate digital currency and store it in user-controlled wallets, which are secured by private keys. This ensures that users' assets are protected and cannot be frozen without their knowledge.

包括Neobanks在內的大多數銀行系統都具有集中在特定帳戶中的存款。但是，Deobanks反轉此模型，將對存款的控制直接放在客戶手中。他們集成了數字貨幣並將其存儲在用戶控制的錢包中，這些錢包由私鑰確保。這樣可以確保用戶的資產受到保護，並且在沒有知識的情況下無法凍結。

In contrast to regular banks, which operate like black boxes with limited transparency, deobanks conduct all their activities openly. They manage transactions on a public and distributed ledger, which provides a high level of traceability and scrutiny. While privacy is still maintained, the nature of the public blockchain enables users to have a strong sense of accountability for the bank's actions.

與普通銀行相比，像黑匣子一樣運作的透明度有限，Deobanks公開進行所有活動。他們管理公眾和分佈式分類帳的交易，該交易提供了高水平的可追溯性和審查。儘管仍然保持隱私權，但公共區塊鏈的性質使用戶能夠對銀行的行動有強烈的問責感。

Furthermore, deobanks leverage the broader DeFi ecosystem, tapping into services like staking, pooled lending, and automated market makers. The smart contract layer manages and enforces the terms of agreements, cutting through bureaucracy and overhead to create new opportunities for cross-border transfers, savings products, and credit facilities that are not reliant on large, expensive institutions.

此外，Deobanks利用更廣泛的Defi生態系統，利用諸如Staking，Polled Lending和Automated Mlegners Mlegners之類的服務。智能合同層管理並執行協議條款，削減官僚主義和開銷，為不依賴大型昂貴機構的跨境轉移，儲蓄產品和信貸設施創造新的機會。

WeFi stands out as the first decentralized on-chain bank, combining the services of traditional finance with the cutting-edge tools of decentralized finance (DeFi). It's a unique platform with several key features.

WEFI是第一個分散的鏈庫，將傳統金融的服務與分散財務的前沿工具（DEFI）相結合。這是一個具有多個關鍵功能的獨特平台。

1. Low-Cost Cross-Border Transactions

1。低成本跨境交易

Sending money from one country to another through

通過一個國家向另一個國家匯款