為什麼以太坊上的 Layer 2 解決方案對德意志銀行具有戰略意義

德意志銀行對區塊鏈的興趣並不是最近才出現的。一段時間以來，這家德國機構一直在研發方面進行投資

Deutsche Bank, a major European banking group, is exploring various Layer-2 solutions on Ethereum, with the goal of optimizing digital transactions and offering a wider range of services in the field of digital assets.

歐洲主要銀行集團德意志銀行正在以太坊上探索各種 Layer-2 解決方案，目標是優化數位交易並在數位資產領域提供更廣泛的服務。

Deutsche Bank has been investing in research and development for some time to understand the opportunities offered by the digitalization of financial services. With the growing adoption of cryptocurrencies, NFTs, and tokenized assets, the bank has identified the need for a more efficient, scalable, and secure infrastructure.

一段時間以來，德意志銀行一直在研發方面進行投資，以了解金融服務數位化帶來的機會。隨著加密貨幣、NFT 和代幣化資產的日益普及，該銀行已確定需要更有效率、可擴展和安全的基礎設施。

Blockchain technology, and in particular Layer-2 solutions on Ethereum, represent a privileged channel to make transactions faster, less expensive, and more reliable.

區塊鏈技術，特別是以太坊上的第 2 層解決方案，代表了一種使交易更快、更便宜、更可靠的特權管道。

The Ethereum ecosystem is one of the most established in the blockchain landscape. However, the limitations in terms of scalability and transaction costs (high gas fees) have driven developers to create Layer-2 solutions to ease the main network.

以太坊生態系統是區塊鏈領域最成熟的生態系統之一。然而，可擴展性和交易成本（高天然氣費）的限制促使開發人員創建第 2 層解決方案以緩解主網路的壓力。

A significant example is ZKsync, a platform that uses zero-knowledge rollup (ZK-rollup) technology to aggregate hundreds of transactions into a single operation on the mainnet. This approach drastically reduces costs and increases transaction speed.

一個重要的例子是 ZKsync，這是一個使用零知識總和 (ZK-rollup) 技術將數百個交易聚合到主網路上的單一操作的平台。這種方法大大降低了成本並提高了交易速度。

According to Deutsche Bank, adopting Layer-2 solutions like ZKsync means being able to handle large volumes of digital transactions with reduced costs and greater efficiency. This could translate into cutting-edge financial services, from the issuance of digital tokens backed by real assets, to the creation of custody and transfer tools for cryptocurrencies in a simple and secure way.

德意志銀行表示，採用 ZKsync 等 Layer-2 解決方案意味著能夠以更低的成本和更高的效率處理大量數位交易。這可以轉化為尖端的金融服務，從發行由實體資產支援的數位代幣，到以簡單安全的方式創建加密貨幣的託管和轉移工具。

Another key aspect on which Deutsche Bank is focusing its efforts is the custody of digital assets. Layer-2 solutions on Ethereum facilitate not only transactions but also the secure management and storage of cryptocurrencies, tokens, and stablecoins.

德意志銀行重點關注的另一個關鍵方面是數位資產的託管。以太坊上的第 2 層解決方案不僅促進交易，還促進加密貨幣、代幣和穩定幣的安全管理和儲存。

The bank will thus be able to offer its clients a series of services that go well beyond simple trading. Consider, for example, advanced digital wallets, staking services, collateralized loans with tokenized assets, or solutions to manage stablecoins pegged to legal currencies.

因此，該銀行將能夠為其客戶提供一系列遠遠超出簡單交易範圍的服務。例如，考慮先進的數位錢包、質押服務、代幣化資產的抵押貸款或管理與法定貨幣掛鉤的穩定幣的解決方案。

The move by Deutsche Bank towards Layer-2 solutions on Ethereum is a sign of how traditional banks are delving deeper into the blockchain universe. This trend could lead to a true transformation of the banking system, making it more competitive, dynamic, and suited to the needs of a rapidly evolving market.

德意志銀行在以太坊上轉向 Layer-2 解決方案標誌著傳統銀行正在深入探索區塊鏈領域。這一趨勢可能導致銀行體系真正轉型，使其更具競爭力、更有活力，並適應快速發展的市場的需求。

The approach of Deutsche Bank, in fact, could serve as a trailblazer for other financial institutions, creating a more integrated ecosystem between traditional finance and decentralized technologies. If the experimentation with Layer-2 solutions proves fruitful, it is likely to expect a growing integration between banks and blockchain, with benefits for efficiency, security, and the quality of services offered to end customers.

事實上，德意志銀行的做法可以成為其他金融機構的開拓者，在傳統金融和去中心化技術之間創造一個更整合的生態系統。如果 Layer-2 解決方案的實驗被證明是富有成效的，那麼銀行和區塊鏈之間的整合可能會不斷加強，從而提高為最終客戶提供的效率、安全性和服務品質。

In conclusion, the bet of Deutsche Bank on Ethereum’s Layer-2 solutions is a clear example of how technological innovation is driving the transformation of the financial sector, laying the foundations for a new era of digital banking services.

總而言之，德意志銀行對以太坊 Layer-2 解決方案的押注是科技創新如何推動金融業轉型的明顯例子，為數位銀行服務的新時代奠定了基礎。