为什么以太坊上的 Layer 2 解决方案对德意志银行具有战略意义

德意志银行对区块链的兴趣并不是最近才出现的。一段时间以来，这家德国机构一直在研发方面进行投资

Deutsche Bank, a major European banking group, is exploring various Layer-2 solutions on Ethereum, with the goal of optimizing digital transactions and offering a wider range of services in the field of digital assets.

欧洲主要银行集团德意志银行正在以太坊上探索各种 Layer-2 解决方案，目标是优化数字交易并在数字资产领域提供更广泛的服务。

Deutsche Bank has been investing in research and development for some time to understand the opportunities offered by the digitalization of financial services. With the growing adoption of cryptocurrencies, NFTs, and tokenized assets, the bank has identified the need for a more efficient, scalable, and secure infrastructure.

一段时间以来，德意志银行一直在研发方面进行投资，以了解金融服务数字化所提供的机遇。随着加密货币、NFT 和代币化资产的日益普及，该银行已经确定需要更高效、可扩展和安全的基础设施。

Blockchain technology, and in particular Layer-2 solutions on Ethereum, represent a privileged channel to make transactions faster, less expensive, and more reliable.

区块链技术，特别是以太坊上的第 2 层解决方案，代表了一种使交易更快、更便宜、更可靠的特权渠道。

The Ethereum ecosystem is one of the most established in the blockchain landscape. However, the limitations in terms of scalability and transaction costs (high gas fees) have driven developers to create Layer-2 solutions to ease the main network.

以太坊生态系统是区块链领域最成熟的生态系统之一。然而，可扩展性和交易成本（高天然气费）方面的限制促使开发人员创建第 2 层解决方案以缓解主网络的压力。

A significant example is ZKsync, a platform that uses zero-knowledge rollup (ZK-rollup) technology to aggregate hundreds of transactions into a single operation on the mainnet. This approach drastically reduces costs and increases transaction speed.

一个重要的例子是 ZKsync，这是一个使用零知识汇总 (ZK-rollup) 技术将数百个交易聚合到主网上的单个操作的平台。这种方法大大降低了成本并提高了交易速度。

According to Deutsche Bank, adopting Layer-2 solutions like ZKsync means being able to handle large volumes of digital transactions with reduced costs and greater efficiency. This could translate into cutting-edge financial services, from the issuance of digital tokens backed by real assets, to the creation of custody and transfer tools for cryptocurrencies in a simple and secure way.

德意志银行表示，采用 ZKsync 等 Layer-2 解决方案意味着能够以更低的成本和更高的效率处理大量数字交易。这可以转化为尖端的金融服务，从发行由实物资产支持的数字代币，到以简单安全的方式创建加密货币的托管和转移工具。

Another key aspect on which Deutsche Bank is focusing its efforts is the custody of digital assets. Layer-2 solutions on Ethereum facilitate not only transactions but also the secure management and storage of cryptocurrencies, tokens, and stablecoins.

德意志银行重点关注的另一个关键方面是数字资产的托管。以太坊上的第 2 层解决方案不仅促进交易，还促进加密货币、代币和稳定币的安全管理和存储。

The bank will thus be able to offer its clients a series of services that go well beyond simple trading. Consider, for example, advanced digital wallets, staking services, collateralized loans with tokenized assets, or solutions to manage stablecoins pegged to legal currencies.

因此，该银行将能够为其客户提供一系列远远超出简单交易范围的服务。例如，考虑先进的数字钱包、质押服务、代币化资产的抵押贷款或管理与法定货币挂钩的稳定币的解决方案。

The move by Deutsche Bank towards Layer-2 solutions on Ethereum is a sign of how traditional banks are delving deeper into the blockchain universe. This trend could lead to a true transformation of the banking system, making it more competitive, dynamic, and suited to the needs of a rapidly evolving market.

德意志银行在以太坊上转向 Layer-2 解决方案标志着传统银行正在深入探索区块链领域。这一趋势可能会导致银行体系真正转型，使其更具竞争力、更有活力，并适应快速发展的市场的需求。

The approach of Deutsche Bank, in fact, could serve as a trailblazer for other financial institutions, creating a more integrated ecosystem between traditional finance and decentralized technologies. If the experimentation with Layer-2 solutions proves fruitful, it is likely to expect a growing integration between banks and blockchain, with benefits for efficiency, security, and the quality of services offered to end customers.

事实上，德意志银行的做法可以成为其他金融机构的开拓者，在传统金融和去中心化技术之间创建一个更加一体化的生态系统。如果 Layer-2 解决方案的实验被证明是富有成效的，那么银行和区块链之间的整合可能会不断加强，从而提高为最终客户提供的效率、安全性和服务质量。

In conclusion, the bet of Deutsche Bank on Ethereum’s Layer-2 solutions is a clear example of how technological innovation is driving the transformation of the financial sector, laying the foundations for a new era of digital banking services.

总而言之，德意志银行对以太坊 Layer-2 解决方案的押注是技术创新如何推动金融业转型的明显例子，为数字银行服务的新时代奠定了基础。