2023 年最适合加密初创公司的 3 个非托管钱包

在加密初创生态系统的爆炸性增长中，安全有效地管理资金是重中之重。这就是自我托管解决方案发挥作用的地方。

The rapid growth of the crypto startup ecosystem is evident in the massive influx of VC capital. Over the past 30 days, crypto-focused businesses participated in 154 funding rounds, leading to a remarkable 65.8% increase in total investment volume, which now stands at $3 billion.

加密货币初创生态系统的快速增长从风险投资的大量涌入中可见一斑。在过去 30 天里，专注于加密货币的企业参与了 154 轮融资，总投资额大幅增长 65.8%，目前达到 30 亿美元。

Of the total funds raised, 27.11% were directed towards Artificial Intelligence (AI) and its intersection with crypto. A nearly equal share of 26.51% went towards Developer Tools, highlighting the priority given to building a solid foundation in this space. Data services and decentralized exchanges each received 15.77%, while payment solutions (14.77%) also attracted significant attention.

在筹集的资金总额中，27.11％用于人工智能（AI）及其与加密货币的交叉领域。开发者工具的占比几乎相等，均为 26.51%，这凸显了在该领域建立坚实基础的优先考虑。数据服务和去中心化交易所各占 15.77%，而支付解决方案（14.77%）也引起了广泛关注。

Amid this dynamic growth, startups face an equally important challenge: managing their funds securely and efficiently. And this is where self-custodial solutions come into play as vital tools offering businesses the much-in-demand freedom to operate on their own terms, backed by robust security and flexibility.

在这种动态增长的过程中，初创企业面临着同样重要的挑战：安全有效地管理其资金。这就是自我托管解决方案作为重要工具发挥作用的地方，为企业提供急需的按照自己的方式运营的自由，并以强大的安全性和灵活性为后盾。

In this piece, we’ll explore the three most recommended non-custodial wallets that every crypto startup—whether blockchain innovators, DeFi pioneers, or Web3 businesses—can rely on for secure and streamlined fund management.

在本文中，我们将探讨三个最受推荐的非托管钱包，每个加密初创公司（无论是区块链创新者、DeFi 先驱还是 Web3 企业）都可以依赖它们来实现安全和简化的资金管理。

1. NOW Wallet

1.NOW钱包

Crypto startups need wallets that not only store their funds but also integrate seamlessly with their business operations—something NOW Wallet has proven to achieve effectively.

加密初创公司需要的钱包不仅能存储资金，还能与业务运营无缝集成——事实证明 NOW Wallet 可以有效实现这一目标。

Secure, Private, and Controlled Crypto Management

安全、私密且受控的加密管理

NOW Wallet offers businesses secure storage by providing a non-custodial solution, giving full control over private keys and digital assets. This eliminates reliance on third parties and removes centralized points of failure, enhancing security. Key features like mnemonic phrase recovery, end-to-end encryption, PIN Protection, biometrics, and Two-Factor Authentication (available for Pro users) ensure startups can securely store their assets and protect against unauthorized access.

NOW Wallet 通过提供非托管解决方案为企业提供安全存储，从而完全控制私钥和数字资产。这消除了对第三方的依赖并消除了集中的故障点，从而增强了安全性。助记词恢复、端到端加密、PIN 保护、生物识别和双因素身份验证（专业版用户可用）等关键功能可确保初创公司能够安全地存储其资产并防止未经授权的访问。

Cryptocurrency Payments with POS Integration

与 POS 集成的加密货币支付

One of NOW Wallet’s standout features for businesses is its Point of Sale (POS) system, powered by the NOWPayments API. This fully integrated solution allows startups to accept cryptocurrency payments seamlessly, supporting over 300 cryptocurrencies. Businesses can generate customized invoices, specify preferred cryptocurrencies for payment, and track their transactions.

NOW Wallet 为企业提供的突出功能之一是由 NOWPayments API 提供支持的销售点 (POS) 系统。这种完全集成的解决方案允许初创公司无缝接受加密货币付款，支持 300 多种加密货币。企业可以生成定制发票、指定首选加密货币进行付款并跟踪交易。

The transaction fee for crypto-to-fiat conversions is just 0.5%, while the fiat withdrawal fee ranges from 1.5% to 2.3%, depending on transaction volume. With a $0 integration cost, NOW Wallet makes it easy for startups to integrate a crypto payment solution without incurring high upfront costs.

加密货币到法币兑换的交易费用仅为 0.5%，而法币提现费用则根据交易量从 1.5% 到 2.3% 不等。 NOW Wallet 的集成成本为 0 美元，使初创公司可以轻松集成加密支付解决方案，而不会产生高昂的前期成本。

Features such as automated crypto-to-fiat conversions, AML/KYC compliance, invoicing, and transaction reporting also make NOW Wallet a valuable tool for businesses. Through its integration with Switchere, startups can also cash out quickly, with withdrawals typically processed within one business day—critical for businesses that need fast access to funds.

自动加密货币到法定货币的转换、AML/KYC 合规性、发票和交易报告等功能也使 NOW 钱包成为企业的宝贵工具。通过与 Switchere 的集成，初创公司还可以快速兑现，提款通常在一个工作日内处理完毕，这对于需要快速获取资金的企业至关重要。

NOW Wallet’s POS Interface

NOW钱包的POS接口

As a whole, for crypto startups venturing into payment acceptance, NOW Wallet is a straightforward tool to streamline acceptance of digital currencies in a non-custodial environment.

总的来说，对于涉足支付接受领域的加密初创公司来说，NOW Wallet 是一个简单的工具，可以简化非托管环境中数字货币的接受。

Wide Range of Supported Assets & In-App Swaps

广泛支持的资产和应用内交换

NOW Wallet stands out for its multi-currency integration, supporting over 70 blockchains and 1,500+ tokens, including high-cap coins like Bitcoin (BTC) and Ethereum (ETH), privacy coins such as Monero (XMR) and Zcash (ZEC), stablecoins like Tether (USDT) and USD Coin (USDC), and many more, as well as custom tokens from supported EVM-compatible blockchains and the Tron network. It also offers an integrated limitless and almost instant swap service powered by ChangeNOW, a non-custodial exchange, both of which are part of the NOW non-custodial ecosystem.

NOW 钱包因其多货币集成而脱颖而出，支持 70 多个区块链和 1,500 多种代币，包括比特币 (BTC) 和以太坊 (ETH) 等高市值代币，门罗币 (XMR) 和 Zcash (ZEC) 等隐私代币， Tether (USDT) 和 USD Coin (USDC) 等稳定币，以及来自支持的 EVM 兼容区块链和 Tron 网络的自定义代币。它还提供由非托管交易所 ChangeNOW 提供支持的集成无限且几乎即时的交换服务，这两者都是 NOW 非托管生态系统的一部分。

This is vital for crypto startups working across different blockchain ecosystems or experimenting with new token projects. Thus, they won’t need to rely on multiple wallets or exchanges to manage and exchange their funds.

这对于跨不同区块链生态系统工作或尝试新代币项目的加密初创公司至关重要。因此，他们不需要依赖多个钱包或交易所来管理和交换他们的资金。

Optimized UX

优化的用户体验

NOW Wallet’s intuitive interface bridges the gap between crypto and traditional UX, allowing teams to organize their finances with the minimum amount of effort. Whether it’s a small project or a larger operation, the wallet’s minimalist design—focused on functionality without unnecessary elements—streamlines fund management.

NOW Wallet 直观的界面弥合了加密货币和传统用户体验之间的差距，使团队能够以最少的努力来组织财务。无论是小型项目还是大型运营，钱包的简约设计（专注于功能，没有不必要的元素）都简化了资金管理。

Crypto Staking

加密货币质押

Startups can, as well, take advantage of staking options for PoS tokens—Tron (TRX), Solana (SOL), Cosmos (ATOM), Cardano (ADA), Tezos (XTZ), Binance Coin (BNB), and NOW Token (NOW), helping them earn passive income from their holdings in these cryptos.

初创公司还可以利用 PoS 代币的质押选项——Tron (TRX)、Solana (SOL)、Cosmos (ATOM)、Cardano (ADA)、Tezos (XTZ)、Binance Coin (BNB) 和 NOW Token（ NOW），帮助他们从持有的这些加密货币中赚取被动收入。

Buying and Selling Crypto

购买和出售加密货币

Another significant advantage of NOW Wallet is its fiat-to-crypto on- and off-ramp support. With integration for over 60 fiat currencies, businesses can easily buy and sell crypto using major payment methods like Visa, Mastercard, Google Pay, Apple Pay, and bank transfers.

NOW 钱包的另一个显着优势是其法币到加密货币的进出通道支持。通过集成 60 多种法定货币，企业可以使用 Visa、Mastercard、Google Pay、Apple Pay 和银行转账等主要支付方式轻松买卖加密货币。

NFT Management

NFT管理

NOW Wallet’s built-in NFT management

NOW钱包内置NFT管理