重新構想全球金融景觀的競賽正在越來越多

隨著銀行繼續與遺產系統鬥爭，這些系統在全球範圍內陷入了數十億美元的閒置資本，區塊鏈技術提供了另一種基礎設施

The race to reimagine the global financial landscape is going into overdrive, with traditional financial institutions falling over themselves in a mad scramble to integrate blockchain with their existing financial rails.

重新構想全球金融環境的競賽將越來越多，傳統的金融機構在瘋狂的爭奪中陷入了自己的競爭，以將區塊鏈與現有的金融軌道融合在一起。

As banks continue to struggle with legacy systems that trap billions of dollars in idle capital all over the world, blockchain technology provides an alternative infrastructure for finance that’s faster and more efficient. By fusing blockchain with traditional finance, they’re hoping to eliminate the friction and bureaucracy that costs millions of dollars annually in terms of settlement delays and reconciliation headaches, and in the process they’re fundamentally transforming how money moves.

隨著銀行繼續在全球範圍內陷入數十億美元閒置資本的舊系統中，區塊鏈技術為財務提供了替代基礎設施，該基礎設施的速度更快，更有效。通過將區塊鏈與傳統財務融合在一起，他們希望消除摩擦和官僚機構，這些摩擦和官僚機構每年在解決方案延遲和和解頭痛方面每年花費數百萬美元，並且在此過程中，他們從根本上改變了錢的方式。

Early blockchain initiatives are no longer just an experiment, they’re already playing host to billions of dollars’ worth of institutional capital. According to a report by Research & Markets, the global market for FinTech Blockchain is projected to hit $49.2 billion by 2030, revealing a huge flow of money into digital assets.

早期的區塊鏈計劃不再僅僅是一個實驗，他們已經主持了數十億美元的機構資本。根據研究與市場的一份報告，全球金融科技區塊鏈的市場預計到2030年將達到492億美元，揭示了大量資金流入數字資產。

At Davos 2025, Bank of America Chief Executive Brian Moynihan expects crypto to become just another payment system.

在達沃斯2025年，美國銀行首席執行官布萊恩·莫伊尼漢（Brian Moynihan）期望加密貨幣成為另一個付款系統。

“If you go down the street here and buy lunch, you could pay with Visa, Mastercard, a debit card, Apple Pay, and so on,” he said. “In that sense, cryptocurrency would just be another form of payment.”

他說：“如果您在這里街上買午餐，您可以用Visa，萬事達卡，借記卡，Apple Pay等付款。” “從這個意義上講，加密貨幣將只是另一種付款方式。”

Incredibly, this shift is continuing at breakneck speed despite the relative novelty of crypto assets and the lack of clear regulations around them. Because crypto exists in a legal grey zone, numerous exchange platforms and DeFi protocols have indulged in risky practices in the past, putting their users at risk. This has long been one of the major factors encumbering institutional adoption due to the uncertainty it creates.

令人難以置信的是，儘管加密資產的相對新穎性以及周圍缺乏明確的法規，但這種轉變仍在以驚人的速度繼續下去。由於Crypto存在於合法的灰色區域中，因此過去，許多交換平台和Defi協議都沉迷於風險實踐，使他們的用戶處於危險之中。長期以來，由於其造成的不確定性，這一直是控制機構採用的主要因素之一。

But necessity is the mother of innovation, and the crypto industry has been rushing to embrace numerous kinds of regulations and guidelines, securing licences that legally oblige them to follow transparent practices and protect their user’s funds at all times. These early movers are paving the way for institutions to adopt crypto by embracing accountability and increasing safety for those who want to deal with crypto assets.

但是，必要性是創新的母親，加密貨幣行業一直在急於接受多種規定和準則，獲得合法義務遵循透明做法並始終保護用戶資金的許可證。這些早期的搬家工具為機構採用加密貨幣而為那些想要處理加密資產打交道的人採用加密貨幣的道路鋪平了道路。

Building Compliant On-Ramps

建造符合符合的坡道

One of the biggest sticking points for digital assets has always been onboarding. Traditionally, buying and selling meant visiting an unregulated exchange platform that writes its own rulebook, sometimes with disastrous consequences for their customers.

數字資產最大的積分之一一直是入職。傳統上，買賣意味著訪問一個不受監管的交換平台，該平台編寫自己的規則手冊，有時會對客戶造成災難性的後果。

That’s changing with Transak, which offers more effective crypto on-ramp and off-ramp services that can satisfy even the most hesitant traditional financial institutions. It enables users to buy and sell crypto for fiat at the click of a button, and its services can be integrated into almost any kind of business application via an API.

隨著Transak的變化，Transak提供了更有效的加密式坡道和外坡道服務，甚至可以滿足最猶豫的傳統金融機構。它使用戶可以單擊按鈕購買和出售Crypto作為FIAT，並且可以通過API將其服務幾乎集成到任何類型的業務應用程序中。

Transak, which supports multiple payment methods and hundreds of cryptocurrencies, does this in a way that’s secure and compliant with dozens of global regulations, as evidenced by the array of licenses and compliance certifications it has obtained in some of the world’s most important financial markets. For instance, it became the first crypto on-ramp to secure SOC 2 Type 2 Certification and more recently it has obtained U.S. Money Transmitter Licenses (MTLs) in Illinois and Missouri, joining the Delaware MTL it secured last year.

Transak支持多種付款方式和數百種加密貨幣，以一種安全且符合數十種全球法規的方式來做到這一點，這是由它在世界上一些最重要的金融市場中獲得的一系列許可證和合規證明的。例如，它成為第一個獲得SOC 2類型2類認證的加密貨幣，最近它在伊利諾伊州和密蘇里州獲得了美國貨幣發射機許可證（MTLS），並加入了去年獲得的特拉華州MTL。

It’s also registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as an official Money Services Business (MSB), and has similar licenses in the EU, U.K. and India. In addition, it’s working with the Hong Kong government through its Asia Pacific headquarters to ensure compliance with local regulations there.

它還已在加拿大金融交易和報告分析中心（FINTRAC）註冊為官方貨幣服務業務（MSB），並在歐盟，英國和印度擁有類似的許可證。此外，它正在通過其亞太總部與香港政府合作，以確保遵守那裡的地方法規。

Transak isn’t alone in trying to provide compliant on-ramps for digital assets. The Crypto.com platform is arguably the most licensed traditional exchange platform in the world.

Transak並不孤單地試圖為數字資產提供合規的坡道。 Crypto.com平台可以說是世界上最有許可的傳統交換平台。

Crypto.com stands out from other exchanges because it also offers traditional stocks, fractional shares and ETFs, among other investment vehicles. To offer these, it had to ensure compliance with all manner of regulations. For instance, its derivatives trading options are governed by the Commodity Futures Trading Commission.

Crypto.com在其他交易所中脫穎而出，因為它還提供了傳統的股票，分數股票和ETF以及其他投資工具。為了提供這些，它必須確保遵守各種法規。例如，其衍生品交易期權受商品期貨交易委員會的約束。

In recent years, it has leveraged its close relationship with regulatory bodies to expand its compliance to digital assets, and earlier this year it was able to launch what it says is the first “institutional-grade” crypto asset exchange in the U.S., backed by multiple licenses including Broker-Dealer Registration, Designated Contracts Market (DCM) license, Money Services Business Registration and Money Transmitter Licenses in multiple U.S. states. Its platform caters to institutions globally, with additional licenses including the Class 2 Crypto-Asset Service Provider License (MiCA) certification in the EU and Crypto-Asset Business Registration in the U.K.

近年來，它利用與監管機構的密切關係來擴展其對數字資產的依從性，今年早些時候，它能夠啟動美國的第一個“機構級”加密資產交易所，並在多個許可證的支持下，並獲得了包括經紀人銷售商的多個許可證，包括經紀人登記，指定的合同市場（DCM）許可證，貨幣業務批准和貨幣交易企業，並在多重貨幣範圍內提供了多個型號的求職者。它的平台迎合全球機構，並獲得了其他許可

Secure Settlements & Tokenized Assets

安全定居和令牌資產

There are few companies that have done more to get traditional banks to explore blockchain than Ripple, the custodian of the XRP cryptocurrency that’s designed for international settlements.

比為國際定居點設計的XRP加密貨幣的保管人Ripple，很少有公司做更多的事情來吸引傳統銀行來探索區塊鏈。

Founded way back in 2012, Ripple provides digital asset infrastructure for financial services, aiming to modernize the traditional finance sector where banks still play a central role. Its XRO ledger is customized

Ripple於2012年創立，為金融服務提供數字資產基礎設施，旨在使銀行仍然發揮核心作用的傳統金融領域現代化。它的XRO分類帳已定制