Web2巨頭正在重寫數字融資規則

曾幾何時，加密貨幣被稱為野生西部，這是一個由牛仔經營的干旱遊樂場，裡面裝滿了BTC和Lambos的夢想。

In the annals of crypto lore, there was a time when the landscape was likened to the Wild West – a rugged, untamed frontier governed by cowboys brandishing wallets brimming with BTC and dreams of Lambos. Fast forward to 2025, and that unforgiving terrain has undergone a remarkable transformation, yet it retains its capacity to perpetually surprise. One of the more pleasant surprises to have emerged in recent years has been the willingness of businesses once deemed the adversary of crypto to support its integration into every payment system.

在加密紀錄的年鑑中，曾經有一段時間將景觀比作野外西部 - 由牛仔隊揮舞著充滿BTC和Lambos的夢想的牛仔隊的崎trang鎮。快進到2025年，而無情的地形經歷了出色的轉變，但它保留了永久驚喜的能力。近年來出現的更令人驚喜的驚喜之一是企業曾經認為加密貨幣的對手支持其整合到每個付款系統中。

Web2 giants – those household names that power your online existence – are saddling up and bringing their muscle to the crypto corral. PayPal, Visa, Mastercard – they're all cantering in, and it's a genuine game-changer. Why? Because when these titans join the party, crypto stops being a fringe fantasy and starts feeling like something you'd actually use on the daily. They don’t often receive credit for their Damascene conversion, but plaudits are due for the web2 players who’ve come full circle.

Web2巨頭（那些為您的在線生存提供動力的家喻戶曉的名字）正在努力，將其肌肉帶到加密corral骨上。貝寶（Paypal），簽證，萬事達卡（Mastercard） - 他們都在慢跑，這是一個真正的遊戲規則改變者。為什麼？因為當這些泰坦參加聚會時，加密貨幣停止成為邊緣幻想，開始感覺像您每天實際使用的東西。他們並不經常因大馬士革轉換而獲得信用，但是PLAUDITS是為了完整圈子的Web2播放器所致。

Financial Players with Skin in the Game

遊戲中有皮膚的財務參與者

Let's start with the big guns. PayPal kicked things off in 2020, enabling users to buy, sell, and hold cryptos such as BTC and ETH. By 2024, they'd upped the ante, integrating stablecoin PYUSD and rolling it out to 430 million users worldwide. Visa's not far behind; since 2021, they've settled over $2.5 billion in crypto-linked transactions. Mastercard, meanwhile, is pushing crypto debit cards and piloting blockchain payments. From a user perspective, it means that if you're already on PayPal or swiping a Visa, crypto's not a leap – it's a sidestep. These giants are effectively turning “what's a wallet?” into “oh, I already have that.”

讓我們從大槍開始。貝寶（Paypal）在2020年開始了事情，使用戶能夠購買，出售和持有BTC和ETH等加密貨幣。到2024年，他們已經提高了賭注，整合了Stablecoin Pyusd，並將其推廣到全球4.3億用戶。簽證不遠；自2021年以來，他們已經定居超過25億美元的加密貨幣交易。同時，萬事達卡正在推動加密借記卡和試行區塊鏈付款。從用戶的角度來看，這意味著，如果您已經在使用PayPal或刷卡簽證，那麼加密貨幣不是一個飛躍 - 這是一個迴避。這些巨人有效地轉動了“什麼是錢包？”進入“哦，我已經有那個。”

Neo-banks, the cool kids bridging old money and new, are also doing a lot of the heavy lifting here. Take Crypto.com, over 80 million users strong and with billboards at seemingly every major sporting event. Great name, globally recognizable brand. They've just added PayPal as a payment method, letting you fund your crypto buys straight from your PayPal balance.

Neo Banks，繁瑣的孩子們橋著舊金和新的錢，也在這裡做很多繁重的工作。以Crypto.com為例，超過8000萬用戶強勁，並且在所有主要體育賽事中都有廣告牌。名牌，全球可識別的品牌。他們只是添加了PayPal作為付款方式，讓您直接從PayPal餘額中購買加密貨幣。

This means no interminable transfers, no extra apps: just seamless integration into a platform you already trust. It's like adding crypto to your financial toolbox without needing a manual. Neo-banks like Crypto.com aren't so much lowering crypto's adoption curve as steam-rollering it till it's pancake flat.

這意味著沒有無關的轉移，沒有額外的應用程序：只是無縫集成到您已經信任的平台中。這就像在不需要手冊的情況下將加密貨幣添加到您的財務工具箱中。像crypto.com這樣的新銀行並沒有那麼降低加密貨幣的採用曲線，而是蒸汽滾動，直到煎餅平坦。

Don't Forget the Partnerships Driving Adoption

不要忘記推動採用採用的伙伴關係

Web3 projects love a good partnership announcement, and in collaborating with web2's major players, they've inked deals that are more than mere vapor. PayPal and Visa teamed up last year to streamline crypto payouts – think freelancers getting paid in USDC via Visa Direct. Mastercard's collab with wallet providers like MetaMask and Trust Wallet, meanwhile, let users top up cards with crypto in seconds.

Web3項目喜歡一個良好的合作夥伴關係公告，並與Web2的主要參與者合作，他們簽署了不僅僅是蒸氣的交易。 PayPal和Visa去年聯手簡化了加密貨幣的支出 - 認為自由職業者通過Visa Direct獲得了USDC的報酬。同時，萬事達卡與MetAmask和Trust Wallet等錢包提供商的合作，讓用戶在幾秒鐘內用加密貨幣充實卡片。

Then there's Mercuryo, the rising fintech star, partnering with web3 heavyweights like Polygon and now powering euro crypto cards with Mastercard. These tie-ups aren't just headlines; they're highways, paving the way for crypto to flow into everyday life. Whether you position it as a web2 player streamlining access to web3 or vice-versa, the upshot is that Mercuryo and other payment providers are now mainstays for much of the money that flows between the on- and off-chain worlds 24/7.

然後是Rising Fintech明星Mercuryo，與Web3重量級人物（如Polygon）合作，現在用萬事達卡為Euro Crypto卡提供動力。這些搭檔不僅是頭條新聞。他們是高速公路，為加密貨幣融入日常生活鋪平了道路。無論您是將其定位為web2播放器，可以簡化對Web3的訪問還是反之亦然，結果是Mercuryo和其他付款提供商現在是在24/7全天候和鍊鍊球之間流動的大部分資金的支柱。

Why Now?

為什麼現在？

What's fueling this fire in web2 giants? They're not entering web3 out of FOMO – they're smarter than that. Rather, their decision to support the cryptoconomy rather than sit it out on the sidelines is driven by more rational reasoning. With much of the regulatory risk and “exoticness” of crypto having been tempered, it's a lot safer for these TradFi titans to enter the fray. And there's money for them to make by connecting the old world with the new.

Web2巨頭中的這場大火是什麼？他們沒有從FOMO中輸入Web3，而是比這更聰明。相反，他們決定支持加密經濟學而不是將其放在場上的決定是由更理性的推理所驅動的。由於加密加密的大部分監管風險和“異國情調”，對於這些Tradfi Titans進入競爭而言，要安全得多。通過將舊世界與新的聯繫聯繫起來，他們可以賺錢。

As for the competencies they bring to bear within the crypto arena, first there's user experience: we're talking apps so intuitive even your grandma could buy ETH. Second, there's security: Visa's fraud protection and PayPal's two-factor authentication make crypto feel less like a gamble. Third, there's familiarity: linking crypto to Apple Pay, Google Pay, or your trusty Visa card shrinks the learning curve to a blip. That's the vibe: safe, simple, and second nature.

至於他們在加密競技場內帶來的能力，首先是用戶體驗：我們在談論應用程序，即使您的奶奶可以購買ETH，因此我們的直觀應用程序。其次，有安全感：Visa的欺詐保護和PayPal的兩因素身份驗證使加密貨幣不像是一場賭博。第三，有熟悉程度：將加密貨幣與Apple Pay，Google Pay或您可信賴的簽證卡聯繫起來，將學習曲線縮小到BLIP。那就是氛圍：安全，簡單和第二天性。

Case Studies: The Proof's in the Pudding

案例研究：布丁中的證明

The partnership between Mercuryo and MetaMask is a masterstroke for simplifying crypto onboarding. Their integration lets users buy crypto with a bank card in under a minute – no wrestling with seed phrases or navigating convoluted exchange signups. By tapping into Mercuryo'

Mercuryo和Metamask之間的合作夥伴關係是簡化加密貨幣的碩士學位。他們的集成使用戶可以在不到一分鐘的時間內用銀行卡購買加密貨幣 - 沒有種子短語或導航複雜的交易所註冊。通過利用汞'