数字/加密银行：塑造金融未来的共生关系

Vault 创始人弗拉基米尔·戈尔布诺夫 (Vladimir Gorbunov) 讨论了在快速增长的用户群和创新诱惑的推动下，加密解决方案在传统金融中的蓬勃发展。戈尔布诺夫强调，有必要让加密货币能够超越精通技术的受众，并强调金融科技公司在弥合这一差距方面的关键作用。他探讨了监管环境及其对加密货币市场的影响，认为加强监管可以促进透明度和合法性，同时预计去中心化服务的持续发展。戈尔布诺夫设想了一个未来，数字/加密银行结合了去中心化和集中式系统的优势，在安全和用户友好的环境中将控制权重新交到用户手中。

Digital/Crypto Banking: Unraveling the Convergence of Traditional Finance and Cryptocurrencies

数字/加密银行：揭示传统金融和加密货币的融合

Introduction

介绍

As the fintech landscape undergoes a dramatic transformation, a surge in traditional businesses embracing cryptocurrencies has emerged as a prominent trend. Vladimir Gorbunov, founder of Vault, a comprehensive digital/crypto banking white-label product, provides an insightful analysis of the forces driving this transformation and the trajectory it portends for the future.

随着金融科技格局经历巨大变革，传统企业拥抱加密货币的激增已成为一个突出趋势。 Vault 是一款综合性数字/加密银行白标产品，其创始人弗拉基米尔·戈尔布诺夫 (Vladimir Gorbunov) 对推动这一转型的力量及其预示的未来轨迹进行了富有洞察力的分析。

The Allure of Cryptocurrencies for Traditional Businesses

加密货币对传统企业的吸引力

Gorbunov attributes the escalating interest in cryptocurrencies among traditional businesses to the exponential growth of the crypto market's user base, now approaching half a billion active users. This burgeoning audience, coupled with the potential for increased earnings and innovative products and services, has ignited a strong appeal for non-crypto companies seeking to tap into this rapidly expanding market.

戈尔布诺夫将传统企业对加密货币日益浓厚的兴趣归因于加密市场用户群的指数级增长，目前活跃用户已接近 5 亿。不断增长的受众，加上收入增长和创新产品和服务的潜力，对寻求进入这个快速扩张市场的非加密公司产生了强烈的吸引力。

Beyond the potential for market expansion, Gorbunov emphasizes the imperative for traditional financial institutions to integrate crypto solutions to remain competitive in an increasingly digital-first economy. Cryptocurrencies offer advantages such as access to international capital, asset tokenization opportunities, decentralized insurance, and the launch of new funds and institutions, creating an unexplored niche with immense potential.

除了市场扩张的潜力之外，戈尔布诺夫还强调传统金融机构必须整合加密解决方案，以在日益数字化的经济中保持竞争力。加密货币具有获得国际资本、资产代币化机会、去中心化保险以及推出新基金和机构等优势，创造了一个具有巨大潜力的未经开发的利基市场。

The Journey Towards Mass Adoption

大规模采用之旅

The influx of retail and institutional investors into the crypto space underscores the acceleration of mass adoption. However, Gorbunov highlights that the current infrastructure, primarily confined to specialized crypto banks, alienates a broader audience, hindering widespread awareness and trust.

散户和机构投资者涌入加密货币领域凸显了大规模采用的加速。然而，戈尔布诺夫强调，当前的基础设施主要局限于专门的加密货币银行，疏远了更广泛的受众，阻碍了广泛的认识和信任。

To bridge this gap, Gorbunov advocates for the role of traditional banks and fintech companies in offering crypto services. However, he emphasizes the need to adapt crypto products for non-technical users, conduct thorough market research, and ensure secure operations.

为了弥合这一差距，戈尔布诺夫主张传统银行和金融科技公司在提供加密服务方面发挥作用。不过，他强调需要为非技术用户调整加密产品，进行彻底的市场研究并确保安全操作。

The Role of Fintech Providers in Digital/Crypto Banking

金融科技提供商在数字/加密银行业务中的作用

Fintech companies like Vault play a crucial role in accelerating the integration of crypto solutions into the financial ecosystem. They provide the tools and infrastructure for businesses to swiftly deploy crypto solutions, expanding their use cases.

像 Vault 这样的金融科技公司在加速将加密解决方案融入金融生态系统方面发挥着至关重要的作用。他们为企业提供工具和基础设施，以快速部署加密解决方案，扩展其用例。

Gorbunov notes a paradigm shift where diverse entities, including influencers, bloggers, media platforms, and dating services, embrace digital/crypto solutions. This democratization opens new avenues for financial services and creates opportunities for non-financial sector companies to monetize their offerings.

戈尔布诺夫指出了一种范式转变，包括影响者、博主、媒体平台和约会服务在内的不同实体都接受数字/加密解决方案。这种民主化为金融服务开辟了新的途径，并为非金融部门的公司创造了将其产品货币化的机会。

Furthermore, API-based crypto/digital banking functionality empowers companies to customize products and strengthen customer relationships through bespoke services, such as branded banking cards that support cryptocurrency top-ups. This global reach is unparalleled in traditional banking, where operations are confined to specific jurisdictions.

此外，基于 API 的加密/数字银行功能使公司能够定制产品并通过定制服务加强客户关系，例如支持加密货币充值的品牌银行卡。这种全球影响力在传统银行业中是无与伦比的，传统银行业的业务仅限于特定的司法管辖区。

The Influence of Regulatory Compliance

监管合规性的影响

Gorbunov examines the global legal landscape for cryptocurrency regulation, highlighting increasing transparency and compliance. Initially, crypto's unregulated nature attracted many users, but the absence of governmental oversight was unsustainable.

戈尔布诺夫研究了加密货币监管的全球法律格局，强调了透明度和合规性的提高。最初，加密货币不受监管的性质吸引了许多用户，但缺乏政府监管是不可持续的。

Today, centralized crypto markets are heavily regulated in many countries through KYC (Know Your Customer) and AML (Anti-Money Laundering) measures, with central banks often overseeing licensing for virtual asset service providers. Gorbunov anticipates further regulatory scrutiny, viewing it not as a hindrance but as a catalyst for sustained growth and sector integrity.

如今，许多国家通过 KYC（了解您的客户）和 AML（反洗钱）措施对中心化加密市场进行严格监管，中央银行经常监督虚拟资产服务提供商的许可。戈尔布诺夫预计将进行进一步的监管审查，他认为这不是一种障碍，而是可持续增长和行业完整性的催化剂。

While decentralized services pose regulatory challenges, Gorbunov acknowledges the development of innovative solutions like Zero-Knowledge protocols, which maintain privacy while ensuring transparency for regulators.

虽然去中心化服务带来了监管挑战，但戈尔布诺夫承认零知识协议等创新解决方案的发展，这些解决方案在保护隐私的同时确保监管机构的透明度。

Barriers to Entry for B2B2C Companies

B2B2C 公司的进入壁垒

Gorbunov outlines the challenges faced by Vault and other B2B2C companies in offering crypto-friendly banking infrastructure. High entry costs and arduous licensing processes, despite emerging regulatory frameworks, remain significant hurdles.

Gorbunov 概述了 Vault 和其他 B2B2C 公司在提供加密友好的银行基础设施方面面临的挑战。尽管监管框架不断涌现，但高昂的进入成本和繁琐的许可流程仍然是重大障碍。

Additionally, establishing partnerships with card issuers and operation providers like SWIFT and SEPA is complex, as the crypto market continues to face skepticism and suspicion of money laundering. Gorbunov underscores the need for extensive audits and explanations to gain acceptance and integrate with established financial networks.

此外，与 SWIFT 和 SEPA 等发卡机构和运营提供商建立合作伙伴关系非常复杂，因为加密货币市场继续面临洗钱的怀疑和怀疑。戈尔布诺夫强调需要进行广泛的审计和解释，以获得认可并与现有的金融网络整合。

The Future of Digital/Crypto Banking: Convergence and Innovation

数字/加密银行的未来：融合与创新

Gorbunov envisions a future where traditional and crypto finance converge, creating a vibrant ecosystem of tokenized assets and creative works, aligning with the trend of "Real-World Assets" (RWAs).

戈尔布诺夫设想了一个传统金融和加密金融融合的未来，创建一个由代币化资产和创意作品组成的充满活力的生态系统，与“现实世界资产”（RWA）的趋势保持一致。

The evolution of digital/crypto banking will be characterized by a harmonious integration of decentralized and centralized financial systems, providing greater control and user-friendliness. Gorbunov believes that Vault's leadership in this realm will pave the way towards a more inclusive and dynamic financial future.

数字/加密银行的发展将以去中心化和中心化金融系统的和谐整合为特征，提供更好的控制和用户友好性。 Gorbunov 相信 Vault 在这一领域的领导地位将为迈向更具包容性和活力的金融未来铺平道路。