Meme Bank：Meme 币的未来

Choise.ai 生态系统的创始人 Vlad Gorbunov 讨论了 Meme 币领域的未来，并解释了团队的新 Meme Bank 如何改变该行业

Vlad Gorbunov, the founder of the Choise.ai ecosystem, discusses the future of the meme coin space and explains how his team’s new Meme Bank can transform the sector by providing meme coins with utility-driven features such as token burns and staking rewards, along with real-world applications like payments via Visa/Mastercard bank cards with bespoke designs.

Choise.ai 生态系统的创始人 Vlad Gorbunov 讨论了 Meme 币领域的未来，并解释了他的团队的新 Meme 银行如何通过为 Meme 币提供实用驱动的功能（例如代币销毁和质押奖励）来改变该行业。现实世界的应用程序，例如通过具有定制设计的 Visa/Mastercard 银行卡进行支付。

In this interview with Cointelegraph, Gorbunov shares his thoughts on the staying power of meme coins, the role of community in crypto, and how Meme Bank aims to enhance the utility and functionality of meme coins, offering practical use cases that could contribute to their long-term sustainability.

在接受 Cointelegraph 的采访中，Gorbunov 分享了他对 Meme 币的持久力、社区在加密货币中的作用以及 Meme Bank 如何旨在增强 Meme 币的实用性和功能性的想法，并提供了可能有助于其长期发展的实际用例。长期可持续性。

Cointelegraph: Vlad, can you elaborate on the future of the meme coin sector? Do you think meme coins can transform from hype-driven assets to solid, long-term performers, especially in light of recent headlines about the meme coin hype cooling down?

Cointelegraph：Vlad，您能详细说明一下模因币行业的未来吗？您认为模因币是否可以从炒作驱动的资产转变为稳定的长期表现者，特别是考虑到最近有关模因币炒作降温的头条新闻？

Vlad Gorbunov: Meme coins are a quintessential reflection of the new investment culture. At first glance, they might seem like frivolous creations with no intrinsic value, purchased purely for entertainment or speculative purposes. However, it’s worth noting that Bitcoin was once in a similar position.

Vlad Gorbunov：Meme 币是新投资文化的典型体现。乍一看，它们可能看起来像是没有内在价值的无聊创作，纯粹是为了娱乐或投机目的而购买的。然而，值得注意的是，比特币也曾经处于类似的境地。

In its early days, Bitcoin had no tangible value — its worth was built on a collective belief in its potential. This phenomenon mirrors broader financial markets, whether in stocks or other investment spaces, where community confidence helps companies achieve valuations 100 or 200 times their annual revenues or profits.

在早期，比特币没有任何有形价值——它的价值建立在对其潜力的集体信念之上。这种现象反映了更广泛的金融市场，无论是股票还是其他投资领域，社区信心帮助公司实现其年收入或利润 100 或 200 倍的估值。

Similarly, meme coin communities, often million-strong, hold onto their tokens not because of inherent utility but because of a shared belief in the token’s future. For some, the appeal lies in the humor or ideology behind the memes; for others, it’s the perceived “uselessness” that makes these coins intriguing. Memes themselves have become intertwined with events and various ideas, embedding them firmly in modern cultural expressions.

同样，迷因币社区通常有数百万人持有其代币，不是因为其固有的效用，而是因为对代币未来的共同信念。对于一些人来说，吸引力在于模因背后的幽默或意识形态；对另一些人来说，正是这些硬币被认为“无用”才让人着迷。模因本身已经与事件和各种想法交织在一起，将它们牢牢地嵌入现代文化表现形式中。

So, meme coins have solidified their place as a phenomenon that isn’t likely to fade anytime soon. Their market capitalization continues to set records, with year-to-date price changes exceeding 10,000%. As one of the fastest-growing niches in the bull market, meme coins now rank fourth behind currencies, chains, and stablecoins. The world’s most influential people, like Elon Musk and Donald Trump, align themselves with the meme coin culture, demonstrating their understanding of the movement that resonates with large audiences.

因此，模因币已经巩固了其作为一种现象的地位，并且不太可能很快消失。他们的市值继续创下纪录，年初至今的价格变化超过 10,000%。作为牛市中增长最快的利基市场之一，迷因币目前排名第四，仅次于货币、区块链和稳定币。埃隆·马斯克和唐纳德·特朗普等世界上最有影响力的人物都与模因硬币文化保持一致，展示了他们对这一能引起广大观众共鸣的运动的理解。

Market researchers project the meme coin sector has the potential to surpass $1 trillion, signaling that we’re at the beginning of a new cycle that could drive mass adoption. Yet, can meme coins transform into sustainable, long-term investment vehicles? The answer is likely no. They are more apt to remain speculative instruments, prone to delivering astronomical returns. Take $POPCAT, which alone has surged over 6,400% in 2024. However, this dynamic isn’t entirely different from that of other cryptocurrencies. Ultimately, the driving force behind meme coins is the same as that for any digital asset: community sentiment. One thing that can improve meme coins’ position is utility. And this is where Meme Bank enters the picture.

市场研究人员预计，模因币行业的潜力将超过 1 万亿美元，这表明我们正处于一个可能推动大规模采用的新周期的开始。然而，模因币能否转变为可持续的长期投资工具？答案可能是否定的。它们更倾向于继续作为投机工具，倾向于带来天文数字的回报。以 $POPCAT 为例，仅它在 2024 年就飙升了 6,400% 以上。然而，这种动态与其他加密货币并没有完全不同。最终，模因币背后的驱动力与任何数字资产相同：社区情绪。可以提高模因币地位的一件事是实用性。这就是 Meme Bank 发挥作用的地方。

CN: But how can Meme Bank ensure its utility-driven approach will resonate in a market that prioritizes excitement over real value?

CN：但是 Meme Bank 如何才能确保其实用驱动的方法能够在一个优先考虑兴奋而非实际价值的市场中产生共鸣？

VG: The goal of Meme Bank isn’t to diminish the emotional value, excitement, or hype surrounding meme coins; in fact, it amplifies them by transforming this energy into a foundation for creating tailored products that empower specific meme coins with practical use cases. These products enhance the functionality of meme coins, offering features that integrate them into everyday activities. In doing so, Meme Bank not only strengthens and expands the utility of meme coins but also boosts its visibility and investment appeal.

VG：Meme Bank 的目标不是削弱 Meme 币的情感价值、兴奋感或炒作；而是要降低 Meme 币的情感价值、兴奋度或炒作。事实上，它通过将这种能量转化为创建定制产品的基础来放大它们，这些产品通过实际用例赋予特定的模因硬币。这些产品增强了模因币的功能，提供将其融入日常活动的功能。这样做，Meme Bank 不仅增强和扩大了 Meme 币的实用性，还提高了其知名度和投资吸引力。

CN: Can you elaborate on the utilities Meme Bank will provide to meme token holders and what the potential use cases for it are?

CN：您能否详细说明 Meme Bank 将为 meme 代币持有者提供的实用程序以及它的潜在用例是什么？

VG: Utility refers to the ability of a coin to perform specific functions that provide tangible benefits or support a broader economy. Take Binance Coin, which creates consistent demand through clear functionality, including reduced transaction fees of 25–30% on Binance. Additionally, holders who stake BNB contribute to its ecosystem, as portions of the token are utilized, burned, or repurchased, ensuring its active integration within Binance’s operations.

VG：效用是指代币执行特定功能以提供切实利益或支持更广泛经济的能力。以币安币为例，它通过清晰的功能创造了一致的需求，包括币安交易费用降低 25-30%。此外，随着部分代币被使用、销毁或回购，持有 BNB 的持有者为其生态系统做出了贡献，确保了其在币安运营中的积极整合。

In the meme coin world, communities like BONK occasionally distribute NFTs or rewards to top holders, but such initiatives fall short of offering true utility. Acting as a crypto bank for meme coins, Meme Bank will enable these tokens to serve as functional currencies for transactions, exchanges, and withdrawals. Users can even issue Visa and Mastercard cards featuring unique meme designs, deposit their meme coins onto these cards, and use them globally for shopping, bill payments, and more.

在模因币世界中，像 BONK 这样的社区偶尔会向顶级持有者分发 NFT 或奖励，但此类举措并不能提供真正的效用。作为 Meme 币的加密银行，Meme Bank 将使这些代币成为交易、兑换和提款的功能货币。用户甚至可以发行具有独特 meme 设计的 Visa 和 Mastercard 卡，将 meme 币存入这些卡上，并在全球范围内使用它们进行购物、账单支付等。

These practical applications will also generate revenue through transaction fees paid by users when they send meme coins to a card or make any other transactions. This revenue can be further reinvested into the ecosystem. For example,

这些实际应用程序还将通过用户在将模因币发送到卡或进行任何其他交易时支付的交易费来产生收入。这些收入可以进一步再投资到生态系统中。例如，