APACX：稳定基础架构的全面服务提供商

关于东南亚迅速发展的数字经济格局，引人注目的矛盾正在带来金融创新的机会

In the rapidly developing digital economy landscape of Southeast Asia, a striking contradiction is giving rise to opportunities for financial innovation: According to the World Bank’s 2021 Global Findex, while only 56% of adults among the region’s 680 million population have bank accounts, the latest data from DataReportal 2023 shows that smartphone penetration has surpassed 75%, with mature markets like Singapore and Malaysia exceeding 80%. This unique pattern of “digital devices leading, financial services lagging” is creating a natural testing ground for digital financial tools such as stablecoins—when mobile terminal reach far exceeds bank branch coverage, leapfrogging financial inclusion may quietly be happening in this vibrant market.

In the rapidly developing digital economy landscape of Southeast Asia, a striking contradiction is giving rise to opportunities for financial innovation: According to the World Bank's 2021 Global Findex, while only 56% of adults among the region's 680 million population have bank accounts, the latest data from DataReportal 2023 shows that smartphone penetration has surpassed 75%, with mature markets like Singapore and Malaysia exceeding 80%.这种独特的“数字设备领先，金融服务落后”的模式正在为诸如StableCoins之类的数字金融工具（移动终端范围远远超过银行分支机构的覆盖率）创造自然测试地面，而在这个充满活力的市场中，Leapfroggroggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoggoging Financial包容性可能会悄然发生。

Core Positioning: A Comprehensive Service Provider for Stablecoin Infrastructure

核心定位：稳定基础架构的全面服务提供商

The APACX team consists of seasoned professionals from the fields of payments, Web3, asset management, and traditional internet, combining foresight in fintech with practical experience in mature markets. Core members have led the development of cross-border payment systems, stablecoin protocol design, and large-scale digital wallet applications, while also possessing compliance operation experience in the traditional asset management industry. This diverse professional background enables the team to accurately grasp the unique demand of the Southeast Asian market for “digital first, financial complement,” building innovative and practical digital financial solutions for local users.

APACX团队由来自付款，Web3，资产管理和传统互联网领域的经验丰富的专业人士组成，将Fintech的远见与成熟市场的实践经验相结合。核心成员领导了跨境支付系统，Stablecoin协议设计和大规模数字钱包应用的开发，同时还具有传统资产管理行业的合规性经验。这种多样化的专业背景使团队能够准确掌握东南亚市场对“数字第一，财务补充”的独特需求，该需求是为本地用户建立创新和实用的数字金融解决方案。

APACX focuses on stablecoins as its core leverage, providing full-chain infrastructure services for financial institutions, enterprises, and Web3 ecosystem participants. Its business covers three main directions:

ApaCX专注于稳定剂作为其核心杠杆作用，为金融机构，企业和Web3生态系统参与者提供全链基础设施服务。它的业务涵盖了三个主要方向：

• Stablecoin issuance consulting and custody: Supporting institutions in customizing local currency-pegged stablecoins (such as the Philippine Peso stablecoin PHT), and providing dynamic collateral management, real-time reserve auditing, and multi-chain wallet custody services.

•Stablecoin发行咨询和监护权：支持机构定制当地货币固定的Stablecoins（例如菲律宾Peso Peso stablecoin PHT），并提供动态抵押管理，实时储备审核和多chainChain钱包监护权服务。

• Cross-border payment and settlement: Achieving minute-level cross-border settlement by integrating SWIFT, local clearing systems, and blockchain networks, reducing transaction costs by over 60%.

•跨境支付和结算：通过集成SWIFT，本地清算系统和区块链网络来实现分钟级的跨境和解，从而将交易成本降低了60％以上。

• Compliance access support: Providing fiat deposit and withdrawal interfaces, license application consulting, and localized compliance framework design for DeFi protocols and traditional enterprises transitioning to Web3.

•合规性访问支持：提供法定存款和提款接口，许可申请咨询以及针对Defi协议的本地化合规框架设计，传统企业过渡到Web3。

APACX is validating its model in the Philippine market by collaborating with local bank-level payment institutions to build a scenario network covering cross-border e-commerce, remittances, supply chain finance, and more. Currently, the peso stablecoin PHT, which it is incubating as a technology provider, has connected to over 800 compliant offline exchange nodes and will further expand into more high-growth scenarios.

APACX通过与当地银行级别的付款机构合作来验证菲律宾市场的模型，以建立一个涵盖跨境电子商务，汇款，供应链融资等的方案网络。目前，它作为技术提供商孵化的Peso Stablecoin PHT已连接到800多个兼容的离线交换节点，并将进一步扩展为更高增长的情况。

Technical Foundation: Comprehensive Capabilities Behind the Service

技术基金会：服务背后的全面功能

APACX’s technical architecture is based on the principles of “compliance first, scenario-driven,” continuously accumulating in three major modules:

APACX的技术体系结构基于“首先，方案驱动”的原则，该原则不断积累在三个主要模块中：

• Multi-chain wallets and smart accounts: Providing white-label solutions for financial institutions through enterprise-level multi-chain wallet SDKs and MPC/AA smart account systems, helping them quickly deploy compliant digital asset entry points;

•多链钱包和智能帐户：通过企业级的多链钱包SDK和MPC/AA智能帐户系统为金融机构提供白色标签解决方案，帮助他们快速部署合规的数字资产入口点；

• Customized stablecoin framework: Supporting dynamic collateral mechanisms and real-time reserve auditing systems to ensure reserve transparency, while also providing a virtual-fiat exchange network and physical savings card services;

•定制的Stablecoin框架：支持动态的附带机制和实时储备审核系统，以确保储备透明度，同时还提供虚拟交换网络和实物储蓄卡服务；

• Blockchain security infrastructure: Building a full-chain system from data verification to asset protection, relying on SlowMist Technology’s full-stack auditing technology, Chainlink’s decentralized oracle network, and Lukka’s real-time trading risk control engine.

•区块链安全基础架构：从数据验证到资产保护的全链系统构建全链系统，依靠Slowmist Technology的全堆栈审计技术，Chainlink的分散Oracle Network以及Lukka的实时交易风险控制引擎。

The complexity of technology is encapsulated into standardized service modules, allowing clients to access required functions without delving into the underlying layers. For example, a medium-sized e-commerce website can quickly integrate APACX’s payment system through multi-chain wallet and smart account technology, reducing cross-border settlement time from three days to real-time.

技术的复杂性被封装在标准化的服务模块中，使客户可以访问所需的功能，而无需深入研究基础层。例如，中型电子商务网站可以通过多链钱包和智能帐户技术快速整合ApaCX的支付系统，从而将跨境和解时间从三天减少到实时。

Regional Strategy: Building a Financial Interconnection Network in Southeast Asia

区域战略：在东南亚建立金融互连网络

APACX’s expansion blueprint centers on regulatory collaboration and infrastructure reuse. APACX is accelerating the replication of its validated technology model to markets such as Vietnam and Thailand, with the completion of this network expected to save regional enterprises over $1.5 billion in cross-border settlement costs annually.

APACX的扩展蓝图集中在监管合作和基础设施重用。 APACX正在加速其经过验证的技术模型向越南和泰国等市场的复制，该网络的完成预计将每年节省超过15亿美元的跨境和解成本。

A deeper strategy involves constructing a cross-industry resource matrix. By connecting financial institutions, regulatory bodies, and e-commerce platforms, APACX is forming an ecological closed loop of “payment-clearing-asset management.” For instance, in supply chain finance scenarios, enterprises can use APACX’s smart advisory system to achieve automatic allocation between fiat and digital assets while mitigating exchange rate fluctuation risks through a multi-currency fund pool. This “technology-scenario-regulation” three-dimensional collaboration builds significant competitive barriers for APACX.

更深层次的策略涉及构建跨行业资源矩阵。通过连接金融机构，监管机构和电子商务平台，ApaCX正在形成一个“付款清算资产管理”的生态闭环。例如，在供应链融资的情况下，企业可以使用APACX的智能咨询系统来实现FIAT和数字资产之间的自动分配，同时通过多阶段的汇率池减轻汇率波动风险。这种“技术 - 季节调节”的三维合作为ApaCX建立了重大的竞争障碍。

Future Vision: Paradigm Innovation in Web3 Financial Infrastructure

未来愿景：Web3金融基础架构中的范式创新

APACX’s practices provide a replicable Web3 transformation path for emerging markets. Its technical architecture not only achieves a leap in payment efficiency (from T+3 to real-time settlement) but also explores a paradigm of integrating regulatory frameworks with decentralized technology through a compliance-first strategy.

APACX的实践为新兴市场提供了可复制的Web3转换路径。它的技术架构不仅实现了付款效率的飞跃（从T+3到实时解决），而且还探讨了通过合规性策略将监管框架与分散技术整合到分散技术的范式。

In the next three years

在接下来的三年中