Qubetics，Hedera和Cronos：轉變跨境支付並重塑金融的未來

這項創新強調了Qubetics成為金融技術中關鍵參與者的願景。通過將區塊鏈的透明度與無與倫比的效率相結合

Financial institutions are increasingly looking for ways to improve the cross-border payments landscape. Unlike domestic payments, which usually take one to two days to complete, cross-border payments can take three to five days or more, varying widely depending on the institutions involved, the payment corridors, and the presence of any manual intervention.

金融機構越來越多地尋找改善跨境支付格局的方法。與通常需要一到兩天的國內付款不同，跨境付款可能需要三到五天或更長時間，這取決於所涉及的機構，付款走廊以及任何手動干預的存在。

This disparity in processing times highlights the pressing need for innovation in cross-border payments. Fortunately, several promising startups are emerging, introducing groundbreaking solutions to streamline and expedite financial transactions across borders.

處理時間的這種差異突出了跨境支付的創新需求。幸運的是，一些有前途的初創公司正在出現，引入了突破性的解決方案，以簡化和加快邊境的金融交易。

One such startup is Qubetics, a company that has set out to transform cross-border payments for financial institutions. The startup's solution is built on blockchain technology, leveraging its inherent transparency and efficiency to enable seamless and swift transactions.

一家這樣的創業公司就是Qubetics，該公司旨在改變金融機構的跨境支付。該初創公司的解決方案建立在區塊鏈技術的基礎上，利用其固有的透明度和效率來實現無縫和迅速的交易。

In a recent blog post, the startup explained how its solution combines the best aspects of blockchain and financial institution capabilities. According to the startup, its cross-border payments solution is designed to be compliant with regulations in various jurisdictions, striking a balance between innovation and stability.

在最近的博客文章中，該初創公司解釋了其解決方案如何結合區塊鍊和金融機構功能的最佳方面。根據這家初創公司的說法，其跨境支付解決方案旨在符合各個司法管轄區的法規，從而達到了創新和穩定之間的平衡。

"Financial institutions typically perform several crucial functions that blockchain technology may not fully cover, such as Know Your Customer (KYC) and anti-money laundering (AML) regulations, cross-border regulatory compliance, and handling large-scale payments with minimal risk appetite," the startup explained in the post.

“金融機構通常會執行一些關鍵功能，區塊鏈技術可能無法完全涵蓋，例如了解您的客戶（KYC）和反貨幣洗錢法規（AML）法規（AML）法規，跨境調節性合規性，並以最小的風險食慾處理大規模付款，”該帖子在帖子中解釋了。

To mitigate these limitations, the startup proposes a hybrid approach, combining blockchain's strengths with the capabilities of financial institutions. In essence, the startup's solution involves financial institutions 'wrapping' and unrolling atomic units of value (AUs) on their respective chains.

為了減輕這些局限性，該初創公司提出了一種混合方法，將區塊鏈的優勢與金融機構的能力相結合。從本質上講，初創企業的解決方案涉及金融機構“包裝”和展開的價值原子單位（AUS）。

These AUs, initially in the form of central bank digital currency (CBDC) or a stablecoin pegged to a fiat currency, would be used to facilitate cross-border payments.

這些AUS最初是以中央銀行數字貨幣（CBDC）的形式或與法定貨幣掛鉤的穩定的AUS，可用於促進跨境支付。

"The financial institutions would then exchange the AUs at an agreed-upon exchange rate, ensuring efficient and cost-effective cross-border payments," the startup stated in the post.

該公司在該職位上說：“然後，金融機構將以商定的匯率交換AUS，以確保高效且具有成本效益的跨境支付。”

This innovation underscores Qubetics’ vision of becoming a pivotal player in financial technology. By combining blockchain’s transparency with unmatched efficiency, Qubetics is revolutionising how payments are made and reshaping the financial services industry’s future.

這項創新強調了Qubetics成為金融技術中關鍵參與者的願景。通過將區塊鏈的透明度與無與倫比的效率相結合，Qubetics正在徹底改變付款方式，並重塑金融服務行業的未來。

After a year of lows in the cryptocurrency market, there has been a shift in focus towards tokens that offer both innovation and the potential for long-term gains. As the market recovers, investors are seeking new opportunities.

經過加密貨幣市場的低谷一年之後，將重點轉移到提供創新和長期增長潛力的代幣。隨著市場恢復，投資者正在尋求新的機會。

Hedera

常春藤

Hedera, a public, distributed ledger technology (DLT) startup, has been making headlines since its launch in 2019. Its native cryptocurrency, HBAR, has seen some interesting price movements, especially during the 2021 bull market.

自2019年推出以來，Hedera是公眾分銷的分類帳技術（DLT）初創公司。其本地加密貨幣HBAR已經看到了一些有趣的價格變動，尤其是在2021年的牛市市場中。

The token began its journey on exchanges at $0.01, quickly dropping to $0.003 after a sharp price correction. However, it managed to stabilise above $0.01 during the spring 2020 bull market.

令牌開始在交易所的旅程上，價格為0.01美元，在價格較高的價格校正後迅速下降至0.003美元。但是，在2020年春季牛市中，它設法穩定在0.01美元以上。

By the end of 2020, as Bitcoin’s bull run began, HBAR reached $0.03. But the real turning point came in early 2021, when its value surged more than tenfold, ultimately reaching a peak of $0.36 in just two and a half months.

到2020年底，隨著比特幣的公牛跑步，HBAR達到了0.03美元。但是真正的轉折點是在2021年初，當時其價值飆升超過十倍，最終在短短兩個半月內達到了0.36美元的高峰。

This momentum continued during the second alt season of that year, with HBAR achieving an all-time high of $0.57 in mid-September 2021.

在當年第二個替代賽季中，這種勢頭持續下去，HBAR在2021年9月中旬的歷史最高點為0.57美元。

Since then, the price has experienced some fluctuations, but Hedera remains a promising blockchain platform with a large ecosystem and a community that continues to support it. With its history of rapid growth during periods of favorable market conditions, HBAR might be a cryptocurrency to watch in future bull cycles.

從那時起，價格經歷了一些波動，但Hedera仍然是一個有希望的區塊鏈平台，具有龐大的生態系統和一個繼續支持它的社區。由於其在有利的市場狀況時期的快速增長歷史，HBAR可能是未來牛週期觀看的加密貨幣。

Cronos

克羅諾斯

Another token that has been quietly gaining attention is Cronos (CRO), the native token of the Crypto.com ecosystem.

Cronos（CRO）是Crypto.com生態系統的本地標記。

This foundation provides Cronos with unique utility and integration across the platform’s ecosystem. In addition to its role as a native token for trading, Cronos supports a decentralized finance (DeFi) ecosystem, including decentralised finance, NFTs, and GameFi projects.

該基礎為Cronos提供了整個平台生態系統中獨特的實用性和集成。除了作為交易的本地代幣角色外，Cronos還支持分散的金融（DEFI）生態系統，包括分散的財務，NFTS和GameFI項目。

This functionality positions Cronos as a versatile and valuable asset within the crypto market.

這種功能將Cronos定位為加密市場中的多功能和寶貴資產。

The token’s performance also reflects its growing adoption, with an impressive 80% price increase this year. As the broader crypto market continues to recover, native exchange tokens like Cronos are likely to benefit even more, further solidifying their role as reliable long-term investments.

代幣的性能也反映了其不斷增長的採用，今年的價格令人印象深刻。隨著更廣泛的加密市場繼續恢復，像Cronos這樣的本地交換令牌可能會更受益，從而進一步鞏固其作為可靠的長期投資的作用。

For investors interested in a blend of cutting-edge technology and market performance, these three cryptos might be worth considering.

對於對前端技術和市場績效融合的投資者來說，這三個加密貨幣可能值得考慮。