流行的加密錢包與瑞士區塊鏈銀行FIAT24的合作夥伴發行了多階段萬事達卡借記卡

加密貨幣具有分散的性質，可以以通常在Tradfi中通常看到的成本和處理時間的一小部分進行無邊界交易。

Popular crypto wallet provider imToken has teamed up with Swiss blockchain-powered bank Fiat24 to launch a multicurrency Mastercard debit card, enabling users to spend crypto like fiat.

受歡迎的加密錢包提供商Imtoken與瑞士區塊鏈驅動的銀行FIAT24合作，推出了多階段的萬事達卡借記卡，使用戶能夠在菲亞特（Fiat）這樣的加密貨幣上花費。

Cryptocurrencies, renowned for their decentralized nature, facilitate borderless transactions at a fraction of the costs and processing time encountered in traditional finance. This once-niche industry has witnessed an unprecedented surge in adoption, quickly establishing itself in the domain of mainstream finance.

加密貨幣以其分散的性質而聞名，以傳統金融中遇到的成本和處理時間的一小部分促進無邊界交易。這個曾經的惡意行業見證了領養的前所未有的激增，迅速在主流金融領域建立了自己。

However, despite this rapid integration, a critical bottleneck persists in the on/off-ramp systems—tools that connect crypto and fiat currencies. The liquidity inefficiency between on/off-chain systems and traditional finance is largely due to technical barriers, regulatory and compliance hurdles, fragmented liquidity, and differences in trust mechanisms, ultimately hindering capital efficiency and the market development potential. As on-chain liquidity soars, it cannot be seamlessly integrated into daily life. The fund inflows and outflows face compliance risks, complex operations, and slow processing steps (transfer cycles).

然而，儘管有這種快速的整合，但關鍵的瓶頸仍存在於ON/OFFAMP系統中，即連接加密貨幣和法定貨幣的工具。 ON/OFF-CHAIN系統與傳統金融之間的流動性無效主要是由於技術障礙，法規和合規障礙，分散的流動性以及信任機制的差異，最終阻礙了資本效率和市場發展潛力。隨著鏈流動性飆升，它不能無縫地整合到日常生活中。基金流出和流出面臨依從性風險，複雜的操作和緩慢的處理步驟（轉移週期）。

But fintech solutions are merging the security of traditional banking with the efficiency of blockchain technology to bridge this divide.

但是，金融科技解決方案將傳統銀行業務的安全與區塊鏈技術的效率融合在一起，以彌合這種鴻溝。

Crypto and fiat intertwine

加密和菲亞特交織

One such solution is Fiat24—a Switzerland-regulated bank fully built on blockchain. It leverages Ethereum and its smart contracts to process transactions between fiat and crypto in real time. Focusing on tokenized deposits and decentralized finance, the bank acts as a well-built bridge between crypto and daily life.

一種這樣的解決方案是Fiat24，這是一個完全建立在區塊鏈基礎上的瑞士監管的銀行。它利用以太坊及其智能合約實時處理菲亞特和加密之間的交易。該銀行專注於代幣化的存款和分散的財務，是加密貨幣與日常生活之間建造的橋樑。

To further strengthen this bridge, imToken, a global crypto wallet with over 15 million users, has partnered with Fiat24.

為了進一步加強這座橋，擁有超過1500萬用戶的全球加密錢包Imtoken與FIAT24合作。

imToken is a secure and user-friendly digital wallet that provides easy access to and usage of over 50 major blockchain networks, including Bitcoin, Ethereum and Tron. It also supports hardware wallets, crypto-to-crypto exchanges and a DApp browser, offering trusted non-custodial wallet services to millions of users.

Imtoken是一個安全且用戶友好的數字錢包，可輕鬆訪問和使用50多個主要區塊鍊網絡，包括比特幣，以太坊和Tron。它還支持硬件錢包，加密貨幣交換和DAPP瀏覽器，為數百萬用戶提供值得信賴的非監護錢包服務。

On top of expanding the bank’s reach, the collaboration will also introduce a multicurrency Mastercard debit card that will enable users to spend digital assets as smoothly as traditional currency.

除了擴大銀行覆蓋範圍之外，該協作還將引入多階段萬事達卡借記卡，該卡將使用戶能夠像傳統貨幣一樣平穩地支出數字資產。

The new card will offer instant conversion between various fiat currencies and stablecoins like USD and USD Coin (USDC), allowing users to pay with crypto on the spot. Users can add the card to Apple Pay and Google Pay and use it as conveniently as traditional debit cards—no delays or complex transactions that involve manual conversions. This ensures that users can enjoy a streamlined and hassle-free experience when spending their digital assets, whether online or in-store.

新卡將提供各種法定貨幣和諸如USD和USD Coin（USDC）（USDC）的Stablecoins之間的即時轉換，使用戶可以當場與Crypto付款。用戶可以將該卡添加到Apple Pay和Google付款中，並像傳統的借記卡一樣方便地使用它，而不會延遲或複雜的交易，涉及手動轉換。這樣可以確保用戶在在線或店內花費數字資產時可以享受精簡且無憂的體驗。

Beyond spending, the card is connected to a Swiss IBAN, granting users access to international banking features, including SEPA payments. This integration allows both individuals and businesses to manage fiat and digital assets in one account, benefitting from Fiat24’s cost-effective financial structure and transparent pricing.

除支出外，該卡還連接到瑞士iban，使用戶訪問包括SEPA付款在內的國際銀行業務功能。這種集成使個人和企業都可以在一個帳戶中管理菲亞特和數字資產，從而受益於FIAT24的經濟有效的財務結構和透明定價。

The significance to both the industry and users lies in enhancing liquidity by facilitating the bidirectional flow of value between Web2 and Web3 while providing real-life convenience to imToken’s millions of Web3 wallet users. This enables them to enjoy the benefits of self-custody assets and easily use tokens for daily consumption, with the added advantage of holding a Swiss IBAN account for global spending.

對行業和用戶的重要性在於通過促進Web2和Web3之間的雙向價值流來增強流動性，同時為Imtoken的數百萬個Web3錢包用戶提供現實生活的便利性。這使他們能夠享受自我客戶資產的好處，並可以輕鬆地將令牌用於日常消費，並提供了瑞士iban賬戶以全球支出的額外優勢。

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Making crypto a practical payment option

使加密貨幣成為實用的付款方式

imToken is applying Ethereum layer-2 solutions for faster, lower-cost transactions without compromising security. Through the partnership with Fiat24, imToken is bridging digital and traditional finance, making DeFi accessible to all users, from beginners to experts.

Imtoken正在應用以太坊2層解決方案，以實現更快，低成本的交易，而不會損害安全性。通過與FIAT24的合作關係，Imtoken正在彌合數字和傳統財務，使從初學者到專家的所有用戶都可以使用。

This collaboration extends into Asia, integrating with regional payment systems like WeChat and Alipay. It reflects a broader vision: PayFi gradually embedding itself into everyday financial services worldwide.

這項合作擴展到亞洲，與微信和Alipay等地區支付系統集成。它反映了更廣泛的願景：Payfi逐漸將自己嵌入到全球的日常金融服務中。

As the financial landscape evolves, collaborations like the one between imToken and Fiat24 will serve as a blueprint for a more inclusive and interoperable global economy, seamlessly blending Web3 innovations with established financial systems. Such collaborations signal a shift toward a future where digital assets are as integral to the global economy as traditional fiat currencies.

隨著金融格局的發展，像Imtoken和Fiat24之間的合作將成為一種更具包容性和可互操作的全球經濟的藍圖，無縫將Web3創新與已建立的金融系統融合在一起。這種合作表示向未來的轉變，即數字資產與傳統法定貨幣一樣是全球經濟不可或缺的一部分。