菲亚特入口仍然是 Web2 用户进入 Web3 的重要门户

加密货币坡道解决方案提供商 Mercuryo 执行董事 Aviessa Khoo 表示，尽管数量转向非托管钱包，但法币入口和出口仍然是 Web2 用户进入加密货币领域的重要门户。入口有助于使用法定货币购买加密货币，这使得它们对于吸引新用户至关重要。

Fiat On-Ramps Remain Gateway to Crypto for Web2 Users Despite Volume Shifts

尽管交易量发生变化，菲​​亚特入口仍然是 Web2 用户加密货币的门户

Amid the evolving crypto landscape, fiat on-ramps continue to play a pivotal role in facilitating the entry of Web2 users into Web3. Aviessa Khoo, executive director at Mercuryo, a leading provider of crypto on-ramp solutions, believes that on-ramps remain the primary gateway for non-crypto natives.

在不断发展的加密货币格局中，法定货币入口继续在促进 Web2 用户进入 Web3 方面发挥着关键作用。领先的加密货币入口解决方案提供商 Mercuryo 的执行董事 Aviessa Khoo 认为，入口仍然是非加密货币本地人的主要门户。

At the recent Token2049 event in Dubai, Khoo shared insights into the shifting trends observed in fiat on-ramp utilization. She highlighted that while centralized exchanges were the primary source of on-ramp transaction volumes between 2017 and 2022, a recent trend has emerged, with increasing volumes being directed towards noncustodial wallets. This suggests a shift in user behavior, with individuals opting to acquire and hold their crypto assets rather than trading them through exchanges.

最近在迪拜举行的 Token2049 活动中，Khoo 分享了对法币入口利用率变化趋势的见解。她强调，虽然中心化交易所是 2017 年至 2022 年间入场交易量的主要来源，但最近出现了一种趋势，即越来越多的交易量流向非托管钱包。这表明用户行为发生了转变，个人选择获取并持有其加密资产，而不是通过交易所进行交易。

Despite this shift, Khoo emphasizes the enduring significance of on-ramp solutions as a crucial tool for onboarding new users into the crypto ecosystem. She notes that on-ramps provide a convenient and accessible entry point for individuals unfamiliar with the intricacies of cryptocurrencies.

尽管发生了这种转变，Khoo 仍然强调入口解决方案作为引导新用户进入加密生态系统的关键工具的持久重要性。她指出，入口为不熟悉加密货币复杂性的个人提供了一个方便且易于访问的入口点。

"On-ramp is definitely still the biggest gateway to onboard Web2 users into Web3," Khoo stated. "Bridging these non-crypto users into Web3. If you talk about fiat on-ramp, the infrastructure is good for non-crypto native people."

“入口无疑仍然是 Web2 用户进入 Web3 的最大门户，”Khoo 表示。 “将这些非加密用户连接到 Web3。如果你谈论法定入口，那么基础设施对于非加密本地人来说是有好处的。”

However, Khoo acknowledges that crypto-native users may find on-ramp solutions less appealing due to the relatively high fees associated with using Visa or Mastercard debit cards. This segment of users often prefers peer-to-peer (P2P) solutions as a more cost-effective alternative, albeit with potentially higher risks.

然而，Khoo 承认，由于使用 Visa 或 Mastercard 借记卡的费用相对较高，加密货币原生用户可能会发现入口解决方案不太有吸引力。这部分用户通常更喜欢点对点 (P2P) 解决方案作为更具成本效益的替代方案，尽管潜在风险更高。

"There's still a lot of crypto native people who will go to P2P or just any other offline, on-ramp solutions, which are cheaper, maybe higher risk," Khoo added.

Khoo 补充道：“仍然有很多加密货币本地人会选择 P2P 或任何其他离线、入口解决方案，这些解决方案更便宜，但风险可能更高。”

When queried about the critical improvements necessary to attract a broader user base to the crypto space, Khoo underscored the paramount importance of user experience (UX). She believes that UX is a fundamental element that heavily influences adoption rates.

当被问及吸引更广泛的用户群进入加密货币领域所需的关键改进时，Khoo 强调了用户体验 (UX) 的至关重要性。她认为用户体验是严重影响采用率的基本要素。

"Because I'm from the payment infrastructure side, I think user experience is very important," Khoo explained. "And this is something that all the product managers that I have been working with are the most concerned on."

“因为我来自支付基础设施方面，所以我认为用户体验非常重要，”Khoo 解释道。 “这是所有和我一起工作过的产品经理最关心的事情。”

Khoo shared an anecdote about an investor who possessed a Bitcoin wallet from around 2017 but had forgotten the password. "These are like investors, but they are non-crypto natives," she stated.

Khoo 分享了一位投资者的轶事，他在 2017 年左右拥有一个比特币钱包，但忘记了密码。 “他们就像投资者，但他们不是加密货币本地人，”她说。

"If you ask me how are we able to onboard all these users easily to boost the conversion rate of Web2 users into Web3, I definitely think that UX plays the most important part," Khoo added.

“如果你问我如何才能轻松吸引所有这些用户，以提高 Web2 用户向 Web3 的转化率，我绝对认为用户体验起着最重要的作用，”Khoo 补充道。

Echoing Khoo's emphasis on UX, Chainlink co-founder Sergey Nazarov addressed the current state of user experience in the crypto space at Token2049. Nazarov asserted that the current UX falls short of the desired standards.

Chainlink 联合创始人 Sergey Nazarov 在 Token2049 上讨论了加密货币领域用户体验的现状，呼应了 Khoo 对用户体验的重视。纳扎罗夫断言，当前的用户体验未达到预期的标准。

"The current user experience in the crypto space is nowhere near what it needs to be," Nazarov said. "There's still a lot to be done in that regard."

纳扎罗夫说：“加密货币领域当前的用户体验远未达到所需水平。” “在这方面还有很多工作要做。”

Nazarov believes that crypto must significantly improve its usability to achieve mainstream adoption. According to him, the industry needs to focus on delivering seamless and intuitive user experiences that cater to the needs of both crypto-native and non-crypto-native users.

纳扎罗夫认为，加密货币必须显着提高其可用性才能实现主流采用。他表示，该行业需要专注于提供无缝且直观的用户体验，以满足加密原生和非加密原生用户的需求。