Yopaki 執行長 Francisco Chavarria 談到針對每個墨西哥比特幣用戶

2021 年，Francisco Chavarria 站在 Bitcoin 2021 的觀眾席上，觀看 Strike 執行長 Jack Mallers 熱情地發表了現在著名的主題演講

Company Name: Yopaki

公司名稱： 約帕基

Founders: Francisco Chavarria (CEO) and Carlos Chida (CTO)

創辦人：Francisco Chavarria（執行長）和 Carlos Chida（技術長）

Date Founded: March 2023

成立日期：2023年3月

Location of Headquarters: Austin, TX

總部地點：德州奧斯汀

Number of Employees: Four full time; one part time

員工人數：四名全職；一份兼職

Website: https://www.yopaki.com/

網址：https://www.yopaki.com/

Public or Private? Private

公立還是私立？私人的

In 2021, Francisco Chavarria stood in the audience at Bitcoin 2021 and watched on as Strike CEO Jack Mallers passionately delivered his now famous keynote speech during which he revealed that El Salvador planned to make bitcoin legal tender.

2021 年，Francisco Chavarria 站在 Bitcoin 2021 的觀眾席上，觀看 Strike 首席執行官 Jack Mallers 熱情地發表了現在著名的主題演講，期間他透露薩爾瓦多計劃將比特幣設為法定貨幣。

That moment sparked something within Chavarria.

那一刻在查瓦里亞內部引發了某種火花。

“It was unlike anything I’d experienced in my professional career,” Chavarria told Bitcoin Magazine.

「這與我在職業生涯中經歷過的任何事情都不一樣，」查瓦里亞告訴《比特幣雜誌》。

“I knew I had to do something in the Bitcoin space after that. It was the seed,” he added.

「我知道在那之後我必須在比特幣領域做點什麼。這是種子，」他補充道。

Fast-forward ahead two years, and Chavarria found himself putting his career as a Software as a Service (SaaS) consultant on hold to draw up the blueprints for Yopaki, a neobank and investment app with a Bitcoin-focus, aimed at serving the people of his home country, Mexico. (Users outside of Mexico can also use Yopaki’s non-custodial Lighting wallet.)

快進兩年後，Chavarria 發現自己暫停了軟體即服務(SaaS) 顧問的職業生涯，轉而為Yopaki 制定藍圖，Yopaki 是一款以比特幣為重點的新銀行和投資應用程序，旨在為人民服務他的祖國墨西哥。 （墨西哥境外的用戶也可以使用 Yopaki 的非託管 Lighting 錢包。）

Since then, he and his co-founder, Carlos Chida, have been hard at work bringing Yopaki to life, including taking part in Wolf’s Bitcoin Accelerator program in efforts to make Yopaki as cutting-edge and dynamic as possible.

從那時起，他和聯合創始人 Carlos Chida 一直致力於讓 Yopaki 煥發活力，包括參加 Wolf 的比特幣加速器計劃，努力使 Yopaki 盡可能前沿和充滿活力。

But before getting to that part of the story, let’s start with the cultural origin of the platform’s name.

但在討論故事的這一部分之前，讓我們先從這個平台名稱的文化起源開始。

What’s In A Name?

名字裡有什麼？

“The name Yopaki comes from the ancient language Nahuatl, the language spoken by the Aztecs,” explained Chavarria.

「Yopaki 這個名字來自古代語言納瓦特爾語，阿茲特克人使用的語言，」查瓦里亞解釋道。

“The Aztecs lived in the center region of what today is Mexico, and they're the ones responsible for some of the biggest pyramids in all of Latin America. The center of this historical place is called Teotihuacán, ‘the place of the gods.’”

「阿茲特克人生活在今天墨西哥的中心地區，他們建造了拉丁美洲一些最大的金字塔。這個歷史悠久的地方的中心被稱為特奧蒂瓦坎，“眾神的地方”。

“The name itself, if I were to translate it into English, most closely means “the pursuit of happiness.’”

“如果我把它翻譯成英語，這個名字本身最接近的意思就是‘追求幸福’。”

Judging by the name alone, it’s clear that Chavarria views Yopaki as more than just another business endeavor — he wants it to have a profound impact on those who use it.

僅從名字來看，Chavarria 顯然認為 Yopaki 不僅僅是另一項商業活動，他希望它對使用它的人產生深遠的影響。

And he’ll need the app to have such an impact if he and his team are to succeed in their mission: to turn every Mexican into a Bitcoiner.

如果他和他的團隊要成功完成他們的使命：將每個墨西哥人變成比特幣愛好者，他就需要該應用程式產生如此大的影響。

Bitcoin In The Mexican Context

墨西哥背景下的比特幣

When Bitcoin is brought up in the context of Latin America and other developing regions, it’s often referenced as a tool to “bank the unbanked.”

當比特幣在拉丁美洲和其他發展中地區被提及時，它經常被稱為「為沒有銀行帳戶的人提供銀行服務」的工具。

However, Mexico’s banking system is “quite advanced,” according to Chavarria.

然而，查瓦里亞表示，墨西哥的銀行系統「相當先進」。

“The infrastructure has been built for people to have access to banking,” he explained.

「基礎設施的建立是為了讓人們能夠使用銀行業務，」他解釋道。

“It may not be the same banking that we have in the U.S. (where Chavarria currently resides), but, for example, in Mexico, there are stores like 7/11s called OXXOs, and they’re everywhere. Any person can walk into an OXXO with an ID, and within 20 minutes, they can walk out with a Visa card and an app,” he added.

「這可能與我們在美國（Chavarria 目前所在的地方）的銀行業務不同，但是，例如，在墨西哥，有 7/11 之類的商店，稱為 OXXO，而且它們無處不在。任何人都可以帶著身分證走進 OXXO，20 分鐘內就可以帶著 Visa 卡和應用程式走出去。

“It’s not exactly a bank, but it provides access to payment rails,” he noted.

「它不完全是一家銀行，但它提供了支付通道，」他指出。

Chavarria went on to share that these Visa cards do charge high fees, though.

Chavarria 繼續表示，不過這些 Visa 卡確實收取高額費用。

“They’re very predatory in that sense,” he said.

「從這個意義上說，他們非常具有掠奪性，」他說。

So, Yopaki provides its Mexican users with access to three different monetary accounts: a Mexican peso account, a U.S. dollar account and a (non-custodial) bitcoin Lightning wallet. Each of these accounts lets their users transact at lower rates than said Visa cards. (In 2025, Yopaki will also enable its Mexican users to buy stocks, ETFs and other securities, as well.)

因此，Yopaki 為其墨西哥用戶提供了三種不同貨幣帳戶的存取權限：墨西哥比索帳戶、美元帳戶和（非託管）比特幣閃電錢包。這些帳戶中的每一個都允許其用戶以低於上述 Visa 卡的費率進行交易。 （到 2025 年，Yopaki 也將允許其墨西哥用戶購買股票、ETF 和其他證券。）

By offering a bitcoin wallet alongside accounts for traditional currencies, Chavarria hopes to legitimize bitcoin in the eyes of its users. However, he also feels that Yopaki has some work to do as far as helping Mexicans to get comfortable using bitcoin, which is why he and his team are doing what they can to make the process enjoyable.

透過提供比特幣錢包和傳統貨幣帳戶，Chavarria 希望讓比特幣在用戶眼中合法化。然而，他也認為 Yopaki 在幫助墨西哥人習慣使用比特幣方面還有一些工作要做，這就是為什麼他和他的團隊正在盡其所能讓這個過程變得愉快。

Making Bitcoin Fun With Lotería

Lotería 讓比特幣變得有趣

A favorite pastime of the Mexican people is a game called lotería. It’s comparable to Bingo but with images instead of numbers.

墨西哥人最喜歡的消遣是一種叫做「lotería」的遊戲。它與賓果遊戲相當，但用圖像而不是數字。

Chavarria and the Yopaki team included it into the app with a Bitcoin slant — concepts and characters like the Lightning Network and Max Keiser appear in the Yopaki version of the game.

Chavarria 和 Yopaki 團隊將其納入帶有比特幣傾向的應用程式中——閃電網路和 Max Keizer 等概念和角色出現在 Yopaki 版本的遊戲中。

“When it comes to Mexico, people think tequila, tacos, mariachi, and lotería,” said Chavarria.

「說到墨西哥，人們會想到龍舌蘭酒、玉米餅、墨西哥流浪樂隊和彩票，」查瓦里亞說。

“There’s

「有