非监护银行业务：金融的未来现在是

想象一下，有一天醒来，发现您的银行已经冻结了您的帐户。没有解释，没有道歉，也没有警告。您无法获得自己的钱。

Imagine waking up one day to discover that your bank has frozen your account without explanation, apology, or warning. You can’t access your own money. Think this is unrealistic? Think again. This is exactly what happened to thousands of Silicon Valley Bank customers last year when the bank collapsed overnight. It was a shocking and gut-wrenching reminder of the risks of custodial banking and centralized finance.

想象一下，有一天醒来，发现您的银行在没有解释，道歉或警告的情况下冻结了您的帐户。您无法获得自己的钱。认为这是不现实的？想一想。去年，当银行一夜之间倒塌时，这正是成千上万的硅谷银行客户发生的事情。这是一个令人震惊的，令人震惊的提醒，使人想起了保管银行和集中财务的风险。

Custodial banking is the type of banking that we all know – places that hold and manage your money. The moment you deposit funds, you don’t just give them your currency, you give them control, and with that, they have the power to restrict your access, block transactions, and in some cases, lose your funds due to institutional mismanagement.

托管银行是我们都知道的银行业务类型 - 持有和管理您的钱的地方。当您存入资金时，您不仅会给他们您的货币，还可以控制他们，因此，他们有权限制您的访问权限，阻止交易，在某些情况下，由于机构管理不善而损失了您的资金。

You deserve a better system.

您应该得到一个更好的系统。

The Risks of Custodial Banking

托管银行的风险

Where to start. The banks can arbitrarily do almost anything they like, such as freezing your account, causing you anything from a minor inconvenience to severe financial distress. There have been instances where a husband has died and the bank has frozen his joint-access accounts, locking his bereaved wife out at an excruciating time.

从哪里开始。银行几乎可以任意地做他们喜欢的任何事情，例如冻结您的帐户，从小不便到严重的财务困扰。在某些情况下，丈夫死了，银行冻结了他的联合访问账户，在一个令人难以置信的时间将他死去的妻子锁定了。

On top of that, custodial banks own all of your private financial data, which they routinely lose. Now, of course, accidents happen, but banks and their outdated security infrastructure have become perfect targets for cybercriminals and career hackers, who know that this compromised data is worth a small fortune.

最重要的是，托管银行拥有您通常会损失的所有私人财务数据。当然，现在发生了事故，但是银行及其过时的安全基础设施已成为网络犯罪分子和职业黑客的理想目标，他们知道这种折衷的数据值得一笔不小的收获。

It’s not only banks’ data security practices that are weak, so are their antiquated policies, which see them prioritize excessive profits over customers’ best interests. This translates into exorbitant overdraft, loan, and mortgage fees, or poor interest rates on customer savings (while the bankers’ bonuses keep growing). At the same time, a lack of banking transparency means that your funds could be used for risky investments or speculative trading without your knowledge or consent. That is exactly what Silicon Valley Bank did to cripple themselves and lose $1.8bn of customer funds that were entrusted to them.

不仅是银行的数据安全惯例，它们的陈旧政策也是如此，这使他们优先考虑利润超过客户的最大利益。这可以转化为客户节省的透支透支，贷款和抵押费或利率差（而银行家的奖金不断增长）。同时，缺乏银行业透明度意味着您的资金可以在不知情或同意的情况下用于风险投资或投机性交易。这正是硅谷银行为自己削弱自己而损失18亿美元的客户资金所做的事情。

We only have to go back a little further, to the 2008 financial crisis, a terrifying case study that allows us to point our fingers directly at the banks and identify how their reckless behavior led to devastating consequences for the whole world. Millions of people suffered directly, with many entrusting their life savings with bankers who were more competent at financial mismanagement and fraud than doing their actual jobs. Everyone else suffered through recessions, stagnant wage growth, high debts and unemployment, home foreclosures, an increased cost of living, and more.

我们只需要再回到2008年的金融危机，这是一项可怕的案例研究，使我们能够直接将手指指向银行，并确定他们的鲁ck行为如何导致全世界造成毁灭性的后果。数以百万计的人直接遭受了痛苦，许多人将自己的终生储蓄与银行家施加了储蓄，而银行家的财务管理不善和欺诈行为比从事实际工作更有能力。其他所有人都因经济衰退，停滞的工资增长，高债务和失业，住房丧失抵押品赎回权，增加的生活成本等受苦。

In 2023, it was found that bankers’ bonuses have more than doubled since 2008. They’re no longer working for us at all.

在2023年，发现自2008年以来，银行家的奖金增加了一倍以上。他们根本不再为我们工作。

What Is Non-Custodial Banking and Why Is It the Solution?

什么是非习惯银行业务，为什么是解决方案？

Non-custodial banking means taking full control of your own funds without any reliance on third-party institutions, like banks and building societies. Once upon a time, this meant stuffing cash under the mattress, but these days, we’re talking about decentralized finance (DeFi) and blockchain technology.

非监护银行意味着完全控制自己的资金，而无需任何依赖第三方机构，例如银行和建筑社会。曾几何时，这意味着将现金塞在床垫下，但是如今，我们谈论的是分散的金融（DEFI）和区块链技术。

You hold your money in a way that nobody else can touch it. You hold the keys, and only you. With non-custodial banking, the combination of digital wallets, private keys, and smart contracts provide you with complete ownership and control of your assets. No more arbitrary freezes. No more data theft. No more restrictions. In addition, you have enhanced privacy and security, thanks to advanced cryptographic encryption and distributed ledger technology.

您以其他人可以触摸它的方式持有金钱。您握住钥匙，只有您。通过非监护银行业务，数字钱包，私钥和智能合约的组合为您提供了对您的资产的完全所有权和控制权。不再有任意的冻结。没有更多的数据盗窃。没有更多的限制。此外，由于先进的加密加密和分布式分类帐技术，您还可以增强隐私和安全性。

Beyond improved security and control over your funds, there are other, less obvious advantages to non-custodial banking. One is that you’re no longer exposed to the same dangers of data loss, damage, or access complications as regular banking customers. Natural disasters, fires, and extreme weather have all led to major data loss over the years, not just for paper records, but for digital data too – not to mention service outages.

除了改善对您的资金的安全性和控制权外，非监护银行业务还有其他不太明显的优势。一个是，您不再面临与常规银行客户相同的数据丢失，损坏或访问并发症的危险。多年来，自然灾害，火灾和极端天气都导致了大量数据丢失，不仅是用于纸质记录，而且对于数字数据而言，更不用说服务中断了。

The Rise of Deobanks: A Self-Sovereign Alternative

Deobanks的崛起：一种自我主持的替代方案

A new generation of financial technologies is now disrupting the traditional banking industry, with WeFi leading the charge. As the first “Deobank”, WeFi represents a novel class of decentralized on-chain banks that are built on blockchain rails. Unlike traditional banks, and even Neobanks (which are still 100% custodial), Deobanks like WeFi provide decentralized and transparent financial services to their users, while still empowering them to retain full control of their non-custodial accounts.

现在，新一代金融技术正在破坏传统的银行业，而WEFI领导了这一指控。作为第一个“ Deobank”，WEFI代表了建立在区块链导轨上的一类新型分散的链库。与传统的银行甚至新鸡银行（仍然是100％的托管人）不同，像Wefi这样的Deobanks为其用户提供了分散和透明的金融服务，同时仍使他们能够保留对非监测帐户的完全控制。

It’s the best of both worlds, as WeFi offers non-custodial banking services with additional features, made possible by their smart contract-based accounts. WeFi’s account holders can spend using digital cards and smart wallet transactions, without ever handing over control of their funds to an intermediary. The transparent nature of the blockchain ensures full accountability without compromising user privacy.

这是两全其美的最好的，因为WEFI提供了具有其他功能的非监护银行服务，其基于智能合同的帐户使得成为可能。 WEFI的帐户持有人可以使用数字卡和智能钱包交易来花费，而无需将其资金控制权交给中介。区块链的透明性质可确保不损害用户隐私的全部问责制。

Everyone can benefit from non-custodial banking using services like WeFi, but one of the earliest case studies and beneficiaries of technology of

每个人都可以使用WEFI这样的服务中受益