菲亞特入口仍然是 Web2 用戶進入 Web3 的重要門戶

加密貨幣坡道解決方案提供商 Mercuryo 執行董事 Aviessa Khoo 表示，儘管數量轉向非託管錢包，但法幣入口和出口仍然是 Web2 用戶進入加密貨幣領域的重要門戶。入口有助於使用法定貨幣購買加密貨幣，這使得它們對於吸引新用戶至關重要。

Fiat On-Ramps Remain Gateway to Crypto for Web2 Users Despite Volume Shifts

儘管交易量發生變化，菲利普入口仍然是 Web2 用戶加密貨幣的門戶

Amid the evolving crypto landscape, fiat on-ramps continue to play a pivotal role in facilitating the entry of Web2 users into Web3. Aviessa Khoo, executive director at Mercuryo, a leading provider of crypto on-ramp solutions, believes that on-ramps remain the primary gateway for non-crypto natives.

在不斷發展的加密貨幣格局中，法定貨幣入口繼續在促進 Web2 用戶進入 Web3 方面發揮關鍵作用。領先的加密貨幣入口解決方案提供商 Mercuryo 的執行董事 Aviessa Khoo 認為，入口仍然是非加密貨幣本地人的主要門戶。

At the recent Token2049 event in Dubai, Khoo shared insights into the shifting trends observed in fiat on-ramp utilization. She highlighted that while centralized exchanges were the primary source of on-ramp transaction volumes between 2017 and 2022, a recent trend has emerged, with increasing volumes being directed towards noncustodial wallets. This suggests a shift in user behavior, with individuals opting to acquire and hold their crypto assets rather than trading them through exchanges.

在最近在杜拜舉行的 Token2049 活動中，Khoo 分享了對法幣入口利用率變化趨勢的見解。她強調，雖然中心化交易所是 2017 年至 2022 年間入場交易量的主要來源，但最近出現了一種趨勢，即越來越多的交易量流向非託管錢包。這表明用戶行為發生了轉變，個人選擇獲取並持有其加密資產，而不是透過交易所進行交易。

Despite this shift, Khoo emphasizes the enduring significance of on-ramp solutions as a crucial tool for onboarding new users into the crypto ecosystem. She notes that on-ramps provide a convenient and accessible entry point for individuals unfamiliar with the intricacies of cryptocurrencies.

儘管發生了這種轉變，Khoo 仍然強調入口解決方案作為引導新用戶進入加密生態系統的關鍵工具的持久重要性。她指出，入口為不熟悉加密貨幣複雜性的個人提供了一個方便且易於訪問的入口點。

"On-ramp is definitely still the biggest gateway to onboard Web2 users into Web3," Khoo stated. "Bridging these non-crypto users into Web3. If you talk about fiat on-ramp, the infrastructure is good for non-crypto native people."

「入口無疑仍然是 Web2 用戶進入 Web3 的最大門戶，」Khoo 表示。 “將這些非加密用戶連接到 Web3。如果你談論法定入口，那麼基礎設施對於非加密本地人來說是有好處的。”

However, Khoo acknowledges that crypto-native users may find on-ramp solutions less appealing due to the relatively high fees associated with using Visa or Mastercard debit cards. This segment of users often prefers peer-to-peer (P2P) solutions as a more cost-effective alternative, albeit with potentially higher risks.

然而，Khoo 承認，由於使用 Visa 或 Mastercard 借記卡的費用相對較高，加密貨幣原生用戶可能會發現入口解決方案不太有吸引力。這部分用戶通常更喜歡點對點 (P2P) 解決方案作為更具成本效益的替代方案，儘管潛在風險更高。

"There's still a lot of crypto native people who will go to P2P or just any other offline, on-ramp solutions, which are cheaper, maybe higher risk," Khoo added.

Khoo 補充道：“仍然有很多加密貨幣本地人會選擇 P2P 或任何其他離線、入口解決方案，這些解決方案更便宜，但風險可能更高。”

When queried about the critical improvements necessary to attract a broader user base to the crypto space, Khoo underscored the paramount importance of user experience (UX). She believes that UX is a fundamental element that heavily influences adoption rates.

當被問及吸引更廣泛的用戶群進入加密貨幣領域所需的關鍵改進時，Khoo 強調了用戶體驗 (UX) 的至關重要性。她認為使用者體驗是嚴重影響採用率的基本要素。

"Because I'm from the payment infrastructure side, I think user experience is very important," Khoo explained. "And this is something that all the product managers that I have been working with are the most concerned on."

「因為我來自支付基礎設施方面，所以我認為用戶體驗非常重要，」Khoo 解釋道。 “這是所有和我一起工作過的產品經理最關心的事情。”

Khoo shared an anecdote about an investor who possessed a Bitcoin wallet from around 2017 but had forgotten the password. "These are like investors, but they are non-crypto natives," she stated.

Khoo 分享了一位投資者的軼事，他在 2017 年左右擁有一個比特幣錢包，但忘記了密碼。 「他們就像投資者，但他們不是加密貨幣本地人，」她說。

"If you ask me how are we able to onboard all these users easily to boost the conversion rate of Web2 users into Web3, I definitely think that UX plays the most important part," Khoo added.

「如果你問我如何輕鬆吸引所有這些用戶，以提高 Web2 用戶向 Web3 的轉換率，我絕對認為用戶體驗起著最重要的作用，」Khoo 補充道。

Echoing Khoo's emphasis on UX, Chainlink co-founder Sergey Nazarov addressed the current state of user experience in the crypto space at Token2049. Nazarov asserted that the current UX falls short of the desired standards.

Chainlink 共同創辦人 Sergey Nazarov 在 Token2049 上討論了加密貨幣領域使用者體驗的現狀，呼應了 Khoo 對使用者體驗的重視。納札洛夫斷言，目前的使用者體驗未達到預期的標準。

"The current user experience in the crypto space is nowhere near what it needs to be," Nazarov said. "There's still a lot to be done in that regard."

納扎羅夫說：“加密貨幣領域當前的用戶體驗遠未達到所需水平。” “在這方面還有很多工作要做。”

Nazarov believes that crypto must significantly improve its usability to achieve mainstream adoption. According to him, the industry needs to focus on delivering seamless and intuitive user experiences that cater to the needs of both crypto-native and non-crypto-native users.

納札洛夫認為，加密貨幣必須顯著提高其可用性才能實現主流採用。他表示，該行業需要專注於提供無縫且直覺的用戶體驗，以滿足加密原生和非加密原生用戶的需求。