Qubetics，Hedera和Cronos：转变跨境支付并重塑金融的未来

这项创新强调了Qubetics成为金融技术中关键参与者的愿景。通过将区块链的透明度与无与伦比的效率相结合

Financial institutions are increasingly looking for ways to improve the cross-border payments landscape. Unlike domestic payments, which usually take one to two days to complete, cross-border payments can take three to five days or more, varying widely depending on the institutions involved, the payment corridors, and the presence of any manual intervention.

金融机构越来越多地寻找改善跨境支付格局的方法。与通常需要一到两天的国内付款不同，跨境付款可能需要三到五天或更长时间，这取决于所涉及的机构，付款走廊以及任何手动干预的存在。

This disparity in processing times highlights the pressing need for innovation in cross-border payments. Fortunately, several promising startups are emerging, introducing groundbreaking solutions to streamline and expedite financial transactions across borders.

处理时间的这种差异突出了跨境支付的创新需求。幸运的是，一些有前途的初创公司正在出现，引入了突破性的解决方案，以简化和加快边境的金融交易。

One such startup is Qubetics, a company that has set out to transform cross-border payments for financial institutions. The startup's solution is built on blockchain technology, leveraging its inherent transparency and efficiency to enable seamless and swift transactions.

一家这样的创业公司就是Qubetics，该公司旨在改变金融机构的跨境支付。该初创公司的解决方案建立在区块链技术的基础上，利用其固有的透明度和效率来实现无缝和迅速的交易。

In a recent blog post, the startup explained how its solution combines the best aspects of blockchain and financial institution capabilities. According to the startup, its cross-border payments solution is designed to be compliant with regulations in various jurisdictions, striking a balance between innovation and stability.

在最近的博客文章中，该初创公司解释了其解决方案如何结合区块链和金融机构功能的最佳方面。根据这家初创公司的说法，其跨境支付解决方案旨在符合各个司法管辖区的法规，从而达到了创新和稳定之间的平衡。

"Financial institutions typically perform several crucial functions that blockchain technology may not fully cover, such as Know Your Customer (KYC) and anti-money laundering (AML) regulations, cross-border regulatory compliance, and handling large-scale payments with minimal risk appetite," the startup explained in the post.

“金融机构通常会执行一些关键功能，区块链技术可能无法完全涵盖，例如了解您的客户（KYC）和反货币洗钱法规（AML）法规（AML）法规，跨境调节性合规性，并以最小的风险食欲处理大规模付款，”该帖子在帖子中解释了。

To mitigate these limitations, the startup proposes a hybrid approach, combining blockchain's strengths with the capabilities of financial institutions. In essence, the startup's solution involves financial institutions 'wrapping' and unrolling atomic units of value (AUs) on their respective chains.

为了减轻这些局限性，该初创公司提出了一种混合方法，将区块链的优势与金融机构的能力相结合。从本质上讲，初创企业的解决方案涉及金融机构“包装”和展开的价值原子单位（AUS）。

These AUs, initially in the form of central bank digital currency (CBDC) or a stablecoin pegged to a fiat currency, would be used to facilitate cross-border payments.

这些AUS最初是以中央银行数字货币（CBDC）的形式或与法定货币挂钩的稳定的AUS，可用于促进跨境支付。

"The financial institutions would then exchange the AUs at an agreed-upon exchange rate, ensuring efficient and cost-effective cross-border payments," the startup stated in the post.

该公司在该职位上说：“然后，金融机构将以商定的汇率交换AUS，以确保高效且具有成本效益的跨境支付。”

This innovation underscores Qubetics’ vision of becoming a pivotal player in financial technology. By combining blockchain’s transparency with unmatched efficiency, Qubetics is revolutionising how payments are made and reshaping the financial services industry’s future.

这项创新强调了Qubetics成为金融技术中关键参与者的愿景。通过将区块链的透明度与无与伦比的效率相结合，Qubetics正在彻底改变付款方式，并重塑金融服务行业的未来。

After a year of lows in the cryptocurrency market, there has been a shift in focus towards tokens that offer both innovation and the potential for long-term gains. As the market recovers, investors are seeking new opportunities.

经过加密货币市场的低谷一年之后，将重点转移到提供创新和长期增长潜力的代币。随着市场恢复，投资者正在寻求新的机会。

Hedera

常春藤

Hedera, a public, distributed ledger technology (DLT) startup, has been making headlines since its launch in 2019. Its native cryptocurrency, HBAR, has seen some interesting price movements, especially during the 2021 bull market.

自2019年推出以来，Hedera是公众分销的分类帐技术（DLT）初创公司。其本地加密货币HBAR已经看到了一些有趣的价格变动，尤其是在2021年的牛市市场中。

The token began its journey on exchanges at $0.01, quickly dropping to $0.003 after a sharp price correction. However, it managed to stabilise above $0.01 during the spring 2020 bull market.

令牌开始在交易所的旅程上，价格为0.01美元，在价格较高的价格校正后迅速下降至0.003美元。但是，在2020年春季牛市中，它设法稳定在0.01美元以上。

By the end of 2020, as Bitcoin’s bull run began, HBAR reached $0.03. But the real turning point came in early 2021, when its value surged more than tenfold, ultimately reaching a peak of $0.36 in just two and a half months.

到2020年底，随着比特币的公牛跑步，HBAR达到了0.03美元。但是真正的转折点是在2021年初，当时其价值飙升超过十倍，最终在短短两个半月内达到了0.36美元的高峰。

This momentum continued during the second alt season of that year, with HBAR achieving an all-time high of $0.57 in mid-September 2021.

在当年第二个替代赛季中，这种势头持续下去，HBAR在2021年9月中旬的历史最高点为0.57美元。

Since then, the price has experienced some fluctuations, but Hedera remains a promising blockchain platform with a large ecosystem and a community that continues to support it. With its history of rapid growth during periods of favorable market conditions, HBAR might be a cryptocurrency to watch in future bull cycles.

从那时起，价格经历了一些波动，但Hedera仍然是一个有希望的区块链平台，具有庞大的生态系统和一个继续支持它的社区。由于其在有利的市场状况时期的快速增长历史，HBAR可能是未来牛周期观看的加密货币。

Cronos

克罗诺斯

Another token that has been quietly gaining attention is Cronos (CRO), the native token of the Crypto.com ecosystem.

Cronos（CRO）是Crypto.com生态系统的本地标记。

This foundation provides Cronos with unique utility and integration across the platform’s ecosystem. In addition to its role as a native token for trading, Cronos supports a decentralized finance (DeFi) ecosystem, including decentralised finance, NFTs, and GameFi projects.

该基础为Cronos提供了整个平台生态系统中独特的实用性和集成。除了作为交易的本地代币角色外，Cronos还支持分散的金融（DEFI）生态系统，包括分散的财务，NFTS和GameFI项目。

This functionality positions Cronos as a versatile and valuable asset within the crypto market.

这种功能将Cronos定位为加密市场中的多功能和宝贵资产。

The token’s performance also reflects its growing adoption, with an impressive 80% price increase this year. As the broader crypto market continues to recover, native exchange tokens like Cronos are likely to benefit even more, further solidifying their role as reliable long-term investments.

代币的性能也反映了其不断增长的采用，今年的价格令人印象深刻。随着更广泛的加密市场继续恢复，像Cronos这样的本地交换令牌可能会更受益，从而进一步巩固其作为可靠的长期投资的作用。

For investors interested in a blend of cutting-edge technology and market performance, these three cryptos might be worth considering.

对于对前端技术和市场绩效融合的投资者来说，这三个加密货币可能值得考虑。