流行的加密钱包与瑞士区块链银行FIAT24的合作伙伴发行了多阶段万事达卡借记卡

加密货币具有分散的性质，可以以通常在Tradfi中通常看到的成本和处理时间的一小部分进行无边界交易。

Popular crypto wallet provider imToken has teamed up with Swiss blockchain-powered bank Fiat24 to launch a multicurrency Mastercard debit card, enabling users to spend crypto like fiat.

受欢迎的加密钱包提供商Imtoken与瑞士区块链驱动的银行FIAT24合作，推出了多阶段的万事达卡借记卡，使用户能够在菲亚特（Fiat）这样的加密货币上花费。

Cryptocurrencies, renowned for their decentralized nature, facilitate borderless transactions at a fraction of the costs and processing time encountered in traditional finance. This once-niche industry has witnessed an unprecedented surge in adoption, quickly establishing itself in the domain of mainstream finance.

加密货币以其分散的性质而闻名，以传统金融中遇到的成本和处理时间的一小部分促进无边界交易。这个曾经的恶意行业见证了领养的前所未有的激增，迅速在主流金融领域建立了自己。

However, despite this rapid integration, a critical bottleneck persists in the on/off-ramp systems—tools that connect crypto and fiat currencies. The liquidity inefficiency between on/off-chain systems and traditional finance is largely due to technical barriers, regulatory and compliance hurdles, fragmented liquidity, and differences in trust mechanisms, ultimately hindering capital efficiency and the market development potential. As on-chain liquidity soars, it cannot be seamlessly integrated into daily life. The fund inflows and outflows face compliance risks, complex operations, and slow processing steps (transfer cycles).

然而，尽管有这种快速的整合，但关键的瓶颈仍存在于ON/OFFAMP系统中，即连接加密货币和法定货币的工具。 ON/OFF-CHAIN系统与传统金融之间的流动性无效主要是由于技术障碍，法规和合规障碍，分散的流动性以及信任机制的差异，最终阻碍了资本效率和市场发展潜力。随着链流动性飙升，它不能无缝地整合到日常生活中。基金流出和流出面临依从性风险，复杂的操作和缓慢的处理步骤（转移周期）。

But fintech solutions are merging the security of traditional banking with the efficiency of blockchain technology to bridge this divide.

但是，金融科技解决方案将传统银行业务的安全与区块链技术的效率融合在一起，以弥合这种鸿沟。

Crypto and fiat intertwine

加密和菲亚特交织

One such solution is Fiat24—a Switzerland-regulated bank fully built on blockchain. It leverages Ethereum and its smart contracts to process transactions between fiat and crypto in real time. Focusing on tokenized deposits and decentralized finance, the bank acts as a well-built bridge between crypto and daily life.

一种这样的解决方案是Fiat24，这是一个完全建立在区块链基础上的瑞士监管的银行。它利用以太坊及其智能合约实时处理菲亚特和加密之间的交易。该银行专注于代币化的存款和分散的财务，是加密货币与日常生活之间建造的桥梁。

To further strengthen this bridge, imToken, a global crypto wallet with over 15 million users, has partnered with Fiat24.

为了进一步加强这座桥，拥有超过1500万用户的全球加密钱包Imtoken与FIAT24合作。

imToken is a secure and user-friendly digital wallet that provides easy access to and usage of over 50 major blockchain networks, including Bitcoin, Ethereum and Tron. It also supports hardware wallets, crypto-to-crypto exchanges and a DApp browser, offering trusted non-custodial wallet services to millions of users.

Imtoken是一个安全且用户友好的数字钱包，可轻松访问和使用50多个主要区块链网络，包括比特币，以太坊和Tron。它还支持硬件钱包，加密货币交换和DAPP浏览器，为数百万用户提供值得信赖的非监护钱包服务。

On top of expanding the bank’s reach, the collaboration will also introduce a multicurrency Mastercard debit card that will enable users to spend digital assets as smoothly as traditional currency.

除了扩大银行覆盖范围之外，该协作还将引入多阶段万事达卡借记卡，该卡将使用户能够像传统货币一样平稳地支出数字资产。

The new card will offer instant conversion between various fiat currencies and stablecoins like USD and USD Coin (USDC), allowing users to pay with crypto on the spot. Users can add the card to Apple Pay and Google Pay and use it as conveniently as traditional debit cards—no delays or complex transactions that involve manual conversions. This ensures that users can enjoy a streamlined and hassle-free experience when spending their digital assets, whether online or in-store.

新卡将提供各种法定货币和诸如USD和USD Coin（USDC）（USDC）的Stablecoins之间的即时转换，使用户可以当场与Crypto付款。用户可以将该卡添加到Apple Pay和Google付款中，并像传统的借记卡一样方便地使用它，而不会延迟或复杂的交易，涉及手动转换。这样可以确保用户在在线或店内花费数字资产时可以享受精简且无忧的体验。

Beyond spending, the card is connected to a Swiss IBAN, granting users access to international banking features, including SEPA payments. This integration allows both individuals and businesses to manage fiat and digital assets in one account, benefitting from Fiat24’s cost-effective financial structure and transparent pricing.

除支出外，该卡还连接到瑞士iban，使用户访问包括SEPA付款在内的国际银行业务功能。这种集成使个人和企业都可以在一个帐户中管理菲亚特和数字资产，从而受益于FIAT24的经济有效的财务结构和透明定价。

The significance to both the industry and users lies in enhancing liquidity by facilitating the bidirectional flow of value between Web2 and Web3 while providing real-life convenience to imToken’s millions of Web3 wallet users. This enables them to enjoy the benefits of self-custody assets and easily use tokens for daily consumption, with the added advantage of holding a Swiss IBAN account for global spending.

对行业和用户的重要性在于通过促进Web2和Web3之间的双向价值流来增强流动性，同时为Imtoken的数百万个Web3钱包用户提供现实生活的便利性。这使他们能够享受自我客户资产的好处，并可以轻松地将令牌用于日常消费，并提供了瑞士iban账户以全球支出的额外优势。

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Making crypto a practical payment option

使加密货币成为实用的付款方式

imToken is applying Ethereum layer-2 solutions for faster, lower-cost transactions without compromising security. Through the partnership with Fiat24, imToken is bridging digital and traditional finance, making DeFi accessible to all users, from beginners to experts.

Imtoken正在应用以太坊2层解决方案，以实现更快，低成本的交易，而不会损害安全性。通过与FIAT24的合作关系，Imtoken正在弥合数字和传统财务，使从初学者到专家的所有用户都可以使用。

This collaboration extends into Asia, integrating with regional payment systems like WeChat and Alipay. It reflects a broader vision: PayFi gradually embedding itself into everyday financial services worldwide.

这项合作扩展到亚洲，与微信和Alipay等地区支付系统集成。它反映了更广泛的愿景：Payfi逐渐将自己嵌入到全球的日常金融服务中。

As the financial landscape evolves, collaborations like the one between imToken and Fiat24 will serve as a blueprint for a more inclusive and interoperable global economy, seamlessly blending Web3 innovations with established financial systems. Such collaborations signal a shift toward a future where digital assets are as integral to the global economy as traditional fiat currencies.

随着金融格局的发展，像Imtoken和Fiat24之间的合作将成为一种更具包容性和可互操作的全球经济的蓝图，无缝将Web3创新与已建立的金融系统融合在一起。这种合作表示向未来的转变，即数字资产与传统法定货币一样是全球经济不可或缺的一部分。