數位/加密銀行：塑造金融未來的共生關係

Vault 創辦人 Vladimir Gorbunov 討論了在快速增長的用戶群和創新誘惑的推動下，加密解決方案在傳統金融中的蓬勃發展。戈爾布諾夫強調，有必要讓加密貨幣能夠超越精通科技的受眾，並強調金融科技公司在彌合這一差距方面的關鍵作用。他探討了監管環境及其對加密貨幣市場的影響，認為加強監管可以促進透明度和合法性，同時預計去中心化服務的持續發展。戈爾布諾夫設想了一個未來，數位/加密銀行結合了去中心化和集中式系統的優勢，在安全和用戶友好的環境中將控制權重新交到用戶手中。

Digital/Crypto Banking: Unraveling the Convergence of Traditional Finance and Cryptocurrencies

數位/加密銀行：揭示傳統金融和加密貨幣的融合

Introduction

介紹

As the fintech landscape undergoes a dramatic transformation, a surge in traditional businesses embracing cryptocurrencies has emerged as a prominent trend. Vladimir Gorbunov, founder of Vault, a comprehensive digital/crypto banking white-label product, provides an insightful analysis of the forces driving this transformation and the trajectory it portends for the future.

隨著金融科技格局經歷巨大變革，傳統企業擁抱加密貨幣的激增已成為一個突出趨勢。 Vault 是一款綜合性數位/加密銀行白標產品，其創始人弗拉基米爾·戈爾布諾夫(Vladimir Gorbunov) 對推動這一轉型的力量及其預示的未來軌跡進行了富有洞察力的分析。

The Allure of Cryptocurrencies for Traditional Businesses

加密貨幣對傳統企業的吸引力

Gorbunov attributes the escalating interest in cryptocurrencies among traditional businesses to the exponential growth of the crypto market's user base, now approaching half a billion active users. This burgeoning audience, coupled with the potential for increased earnings and innovative products and services, has ignited a strong appeal for non-crypto companies seeking to tap into this rapidly expanding market.

戈爾布諾夫將傳統企業對加密貨幣日益濃厚的興趣歸因於加密市場用戶群的指數級增長，目前活躍用戶已接近 5 億。不斷增長的受眾，加上收入成長和創新產品和服務的潛力，對尋求進入這個快速擴張市場的非加密公司產生了強烈的吸引力。

Beyond the potential for market expansion, Gorbunov emphasizes the imperative for traditional financial institutions to integrate crypto solutions to remain competitive in an increasingly digital-first economy. Cryptocurrencies offer advantages such as access to international capital, asset tokenization opportunities, decentralized insurance, and the launch of new funds and institutions, creating an unexplored niche with immense potential.

除了市場擴張的潛力之外，戈爾布諾夫還強調傳統金融機構必須整合加密解決方案，以在日益數位化的經濟中保持競爭力。加密貨幣具有獲得國際資本、資產代幣化機會、去中心化保險以及推出新基金和機構等優勢，創造了一個具有巨大潛力的未經開發的利基市場。

The Journey Towards Mass Adoption

大規模採用之旅

The influx of retail and institutional investors into the crypto space underscores the acceleration of mass adoption. However, Gorbunov highlights that the current infrastructure, primarily confined to specialized crypto banks, alienates a broader audience, hindering widespread awareness and trust.

散戶和機構投資者湧入加密貨幣領域凸顯了大規模採用的加速。然而，戈爾布諾夫強調，目前的基礎設施主要局限於專門的加密貨幣銀行，疏遠了更廣泛的受眾，阻礙了廣泛的認識和信任。

To bridge this gap, Gorbunov advocates for the role of traditional banks and fintech companies in offering crypto services. However, he emphasizes the need to adapt crypto products for non-technical users, conduct thorough market research, and ensure secure operations.

為了彌補這一差距，戈爾布諾夫主張傳統銀行和金融科技公司在提供加密服務方面發揮作用。不過，他強調需要為非技術用戶調整加密產品，進行徹底的市場研究並確保安全操作。

The Role of Fintech Providers in Digital/Crypto Banking

金融科技供應商在數位/加密銀行業務中的作用

Fintech companies like Vault play a crucial role in accelerating the integration of crypto solutions into the financial ecosystem. They provide the tools and infrastructure for businesses to swiftly deploy crypto solutions, expanding their use cases.

像 Vault 這樣的金融科技公司在加速將加密解決方案融入金融生態系統方面發揮著至關重要的作用。他們為企業提供工具和基礎設施，以快速部署加密解決方案，擴展其用例。

Gorbunov notes a paradigm shift where diverse entities, including influencers, bloggers, media platforms, and dating services, embrace digital/crypto solutions. This democratization opens new avenues for financial services and creates opportunities for non-financial sector companies to monetize their offerings.

戈爾布諾夫指出了一種範式轉變，包括影響者、部落客、媒體平台和約會服務在內的不同實體都接受數位/加密解決方案。這種民主化為金融服務開闢了新的途徑，並為非金融部門的公司創造了將其產品貨幣化的機會。

Furthermore, API-based crypto/digital banking functionality empowers companies to customize products and strengthen customer relationships through bespoke services, such as branded banking cards that support cryptocurrency top-ups. This global reach is unparalleled in traditional banking, where operations are confined to specific jurisdictions.

此外，基於 API 的加密/數位銀行功能使公司能夠客製化產品並透過客製化服務加強客戶關係，例如支援加密貨幣充值的品牌銀行卡。這種全球影響力在傳統銀行業中是無與倫比的，傳統銀行業的業務僅限於特定的司法管轄區。

The Influence of Regulatory Compliance

監理合規性的影響

Gorbunov examines the global legal landscape for cryptocurrency regulation, highlighting increasing transparency and compliance. Initially, crypto's unregulated nature attracted many users, but the absence of governmental oversight was unsustainable.

戈爾布諾夫研究了加密貨幣監管的全球法律格局，強調了透明度和合規性的提高。最初，加密貨幣不受監管的性質吸引了許多用戶，但缺乏政府監管是不可持續的。

Today, centralized crypto markets are heavily regulated in many countries through KYC (Know Your Customer) and AML (Anti-Money Laundering) measures, with central banks often overseeing licensing for virtual asset service providers. Gorbunov anticipates further regulatory scrutiny, viewing it not as a hindrance but as a catalyst for sustained growth and sector integrity.

如今，許多國家透過 KYC（了解您的客戶）和 AML（反洗錢）措施對中心化加密市場進行嚴格監管，中央銀行經常監督虛擬資產服務提供者的許可。戈爾布諾夫預計將進行進一步的監管審查，他認為這不是一種障礙，而是可持續成長和產業完整性的催化劑。

While decentralized services pose regulatory challenges, Gorbunov acknowledges the development of innovative solutions like Zero-Knowledge protocols, which maintain privacy while ensuring transparency for regulators.

雖然去中心化服務帶來了監管挑戰，但戈爾布諾夫承認零知識協議等創新解決方案的發展，這些解決方案在保護隱私的同時確保監管機構的透明度。

Barriers to Entry for B2B2C Companies

B2B2C 公司的進入壁壘

Gorbunov outlines the challenges faced by Vault and other B2B2C companies in offering crypto-friendly banking infrastructure. High entry costs and arduous licensing processes, despite emerging regulatory frameworks, remain significant hurdles.

Gorbunov 概述了 Vault 和其他 B2B2C 公司在提供加密友善的銀行基礎設施方面面臨的挑戰。儘管監管框架不斷湧現，但高昂的進入成本和繁瑣的許可流程仍然是重大障礙。

Additionally, establishing partnerships with card issuers and operation providers like SWIFT and SEPA is complex, as the crypto market continues to face skepticism and suspicion of money laundering. Gorbunov underscores the need for extensive audits and explanations to gain acceptance and integrate with established financial networks.

此外，與 SWIFT 和 SEPA 等發卡機構和營運提供者建立合作夥伴關係非常複雜，因為加密貨幣市場繼續面臨洗錢的懷疑和懷疑。戈爾布諾夫強調需要進行廣泛的審計和解釋，以獲得認可並與現有的金融網絡整合。

The Future of Digital/Crypto Banking: Convergence and Innovation

數位/加密銀行的未來：融合與創新

Gorbunov envisions a future where traditional and crypto finance converge, creating a vibrant ecosystem of tokenized assets and creative works, aligning with the trend of "Real-World Assets" (RWAs).

戈爾布諾夫設想了一個傳統金融和加密金融融合的未來，創建一個由代幣化資產和創意作品組成的充滿活力的生態系統，與「現實世界資產」（RWA）的趨勢保持一致。

The evolution of digital/crypto banking will be characterized by a harmonious integration of decentralized and centralized financial systems, providing greater control and user-friendliness. Gorbunov believes that Vault's leadership in this realm will pave the way towards a more inclusive and dynamic financial future.

數位/加密銀行的發展將以去中心化和中心化金融系統的和諧整合為特徵，提供更好的控制和用戶友好性。 Gorbunov 相信 Vault 在這一領域的領導地位將為邁向更具包容性和活力的金融未來鋪平道路。