Deobanks即将到来：认识Wefi，第一个分散的链银行

金融科技在没有停止的情况下就可以前进，但是世界各地的许多人仍然无法访问基本的银行服务。

Fintech has been rapidly advancing, but a significant portion of the world's population still lacks access to basic banking services. Statistics highlight that approximately 1.4 billion adults are excluded from the formal financial system. This pressing issue hinders personal growth, stifles economic success, and ultimately slows down innovation.

金融科技一直在迅速发展，但是世界人口中很大一部分仍无法获得基本的银行服务。统计数据强调，大约14亿成年人被排除在正式金融体系之外。这个紧迫的问题阻碍了个人成长，扼杀了经济成功，并最终减慢了创新。

Decentralized finance (DeFi) has already revolutionized finance by eliminating intermediaries and rendering transactions more transparent and efficient. Powered by blockchain technology, this industry has experienced meteoric growth, with billions of dollars flowing through platforms that empower users to lend, save, and transact without the involvement of traditional banks. From cross-border payments to lending, DeFi is streamlining processes and increasing transparency in various financial services. Now, a new type of digital bank, known as a deobank, is being developed to expand upon the benefits of DeFi and neobanks in order to serve those who are currently underserved by the financial system.

分散的金融（DEFI）已经通过消除中介机构和使交易更加透明和高效来彻底改变财务。该行业由区块链技术提供支持，经历了迅速增长，数十亿美元通过平台，赋予用户能够借入，保存和交易而无需参与传统银行。从跨境支付到贷款，DEFI正在简化各种金融服务的流程并提高透明度。现在，正在开发一种新型的数字银行（被称为Deobank），以扩大Defi和Neobanks的好处，以服务于目前在金融体系中服务不足的人。

Neobanks have modernized digital banking with sleek apps and improved user experiences. However, they are still limited by the same legacy infrastructure and regulations as traditional banks. They face ongoing challenges with geographic restrictions, compliance requirements, and the administrative burden associated with KYC (Know Your Customer) procedures. These obstacles prevent neobanks from fully including large portions of the global population.

Neobanks通过光滑的应用程序和改进的用户体验进行了现代化的数字银行业务。但是，它们仍然受到与传统银行相同的旧基础设施和法规的限制。由于地理限制，合规要求以及与KYC（了解您的客户）程序相关的行政负担，他们面临着持续的挑战。这些障碍阻止了新单银行完全包括全球人口的大部分。

Many people, especially those without formal identification or who are located in challenging geographical areas, struggle to open bank accounts, access credit, or participate in global financial markets. Moreover, high fees, slow processing times, and the need for centralized approval in institutions like SWIFT for cross-border transactions create additional barriers to financial inclusion.

许多人，尤其是那些没有正式身份证明或位于具有挑战性的地理区域的人，很难开设银行帐户，访问信贷或参与全球金融市场。此外，高费用，缓慢的处理时间以及在诸如Swift诸如跨境交易之类的机构中获得集中批准的需求，为金融包容性带来了额外的障碍。

Deobanks, which stands for decentralized on-chain banks, are taking a novel approach by operating entirely on blockchain, free from the constraints of conventional banking. They aim to solve the issues faced by neobanks through their inherent transparency and the automation of financial services via smart contracts. From payments to savings and yield generation, every process is designed to be fully transparent, easily accessible, and inherently secure.

代表分散的链银银行的Deobanks正在通过完全在区块链上操作，不受常规银行业务的限制来采取一种新颖的方法。他们的目标是通过智能合约来解决新单银行所面临的问题和金融服务的自动化。从付款到储蓄和产量产生，每个过程都设计为完全透明，易于访问且固有的安全。

Setting up a standard bank account can be difficult due to strict ID requirements and complicated procedures. For instance, opening a bank account in the U.S. typically involves filling out a lengthy application form, providing several documents for KYC and AML (Anti-Money Laundering) compliance, and undergoing a background check. These processes can be time-consuming and inconvenient, especially for people who are new to the country or who prefer a faster and more streamlined experience.

由于严格的ID要求和复杂的程序，设置标准银行帐户可能很困难。例如，在美国开设一个银行帐户通常涉及填写一份冗长的申请表，为KYC和AML（反洗钱）合规提供了多个文件，并进行了背景调查。这些过程可能会很耗时且不便，特别是对于那些刚接触该国或更喜欢更快，更简化体验的人。

Moreover, traditional KYC methods often rely heavily on manual labor, which is inefficient and prone to error. In today's digital age, we need a more agile and scalable solution to meet the growing demand for financial services.

此外，传统的KYC方法通常严重依赖手动劳动，这效率低下且容易出错。在当今的数字时代，我们需要一个更敏捷和可扩展的解决方案来满足对金融服务不断增长的需求。

Deobanks are gradually integrating AI to streamline the KYC process. While traditional KYC will still be necessary for now, the shift toward AI-powered verification will progressively reduce barriers and improve accessibility for those who lack formal documentation or prefer a faster onboarding experience. The quick and accurate verification process helps bring financial products and services to those who were previously out of reach.

Deobanks正在逐渐集成AI以简化KYC过程。尽管现在仍然需要传统的KYC，但向AI驱动验证的转变将逐步降低障碍并改善缺乏正式文档或更喜欢更快入职经验的人的可访问性。快速准确的验证过程有助于将金融产品和服务带给以前遥不可及的人。

For example, migrant workers and refugees may not have complete documentation in their host country, making it difficult for them to open bank accounts or access other financial services. Deobanks can use AI to analyze various data points, including social media profiles, online activity, and government records, in order to create a comprehensive digital footprint of an individual. This allows them to verify identity and financial history in a more efficient and accurate manner.

例如，移民工人和难民可能在其东道国没有完整的文件，因此他们很难开设银行帐户或访问其他金融服务。 Deobanks可以使用AI分析包括社交媒体资料，在线活动和政府记录在内的各种数据点，以创建个人的全面数字足迹。这使他们能够以更高效，更准确的方式验证身份和财务历史记录。

With their advanced technology and focus on financial inclusion, deobanks like WeFi are poised to revolutionize the banking industry and bring the benefits of decentralized finance to a wider audience.

凭借其先进的技术并专注于金融包容性，像Wefi这样的Deobanks准备彻底改变银行业，并将分散财务的好处带给更广泛的受众。

Most banking systems, including neobanks, have deposits centralized in specific accounts. However, deobanks invert this model, placing control of deposits directly in the hands of the customer. They integrate digital currency and store it in user-controlled wallets, which are secured by private keys. This ensures that users' assets are protected and cannot be frozen without their knowledge.

包括Neobanks在内的大多数银行系统都具有集中在特定帐户中的存款。但是，Deobanks反转此模型，将对存款的控制直接放在客户手中。他们集成了数字货币并将其存储在用户控制的钱包中，这些钱包由私钥确保。这样可以确保用户的资产受到保护，并且在没有知识的情况下无法冻结。

In contrast to regular banks, which operate like black boxes with limited transparency, deobanks conduct all their activities openly. They manage transactions on a public and distributed ledger, which provides a high level of traceability and scrutiny. While privacy is still maintained, the nature of the public blockchain enables users to have a strong sense of accountability for the bank's actions.

与普通银行相比，像黑匣子一样运作的透明度有限，Deobanks公开进行所有活动。他们管理公众和分布式分类帐的交易，该交易提供了高水平的可追溯性和审查。尽管仍然保持隐私权，但公共区块链的性质使用户能够对银行的行动有强烈的问责感。

Furthermore, deobanks leverage the broader DeFi ecosystem, tapping into services like staking, pooled lending, and automated market makers. The smart contract layer manages and enforces the terms of agreements, cutting through bureaucracy and overhead to create new opportunities for cross-border transfers, savings products, and credit facilities that are not reliant on large, expensive institutions.

此外，Deobanks利用更广泛的Defi生态系统，利用诸如Staking，Polled Lending和Automated Mlegners Mlegners之类的服务。智能合同层管理并执行协议条款，削减官僚主义和开销，为不依赖大型昂贵机构的跨境转移，储蓄产品和信贷设施创造新的机会。

WeFi stands out as the first decentralized on-chain bank, combining the services of traditional finance with the cutting-edge tools of decentralized finance (DeFi). It's a unique platform with several key features.

WEFI是第一个分散的链库，将传统金融的服务与分散财务的前沿工具（DEFI）相结合。这是一个具有多个关键功能的独特平台。

1. Low-Cost Cross-Border Transactions

1。低成本跨境交易

Sending money from one country to another through

通过一个国家向另一个国家汇款