重新构想全球金融景观的竞赛正在越来越多

随着银行继续与遗产系统斗争，这些系统在全球范围内陷入了数十亿美元的闲置资本，区块链技术提供了另一种基础设施

The race to reimagine the global financial landscape is going into overdrive, with traditional financial institutions falling over themselves in a mad scramble to integrate blockchain with their existing financial rails.

重新构想全球金融环境的竞赛将越来越多，传统的金融机构在疯狂的争夺中陷入了自己的竞争，以将区块链与现有的金融轨道融合在一起。

As banks continue to struggle with legacy systems that trap billions of dollars in idle capital all over the world, blockchain technology provides an alternative infrastructure for finance that’s faster and more efficient. By fusing blockchain with traditional finance, they’re hoping to eliminate the friction and bureaucracy that costs millions of dollars annually in terms of settlement delays and reconciliation headaches, and in the process they’re fundamentally transforming how money moves.

随着银行继续在全球范围内陷入数十亿美元闲置资本的旧系统中，区块链技术为财务提供了替代基础设施，该基础设施的速度更快，更有效。通过将区块链与传统财务融合在一起，他们希望消除摩擦和官僚机构，这些摩擦和官僚机构每年在解决方案延迟和和解头痛方面每年花费数百万美元，并且在此过程中，他们从根本上改变了钱的方式。

Early blockchain initiatives are no longer just an experiment, they’re already playing host to billions of dollars’ worth of institutional capital. According to a report by Research & Markets, the global market for FinTech Blockchain is projected to hit $49.2 billion by 2030, revealing a huge flow of money into digital assets.

早期的区块链计划不再仅仅是一个实验，他们已经主持了数十亿美元的机构资本。根据研究与市场的一份报告，全球金融科技区块链的市场预计到2030年将达到492亿美元，揭示了大量资金流入数字资产。

At Davos 2025, Bank of America Chief Executive Brian Moynihan expects crypto to become just another payment system.

在达沃斯2025年，美国银行首席执行官布莱恩·莫伊尼汉（Brian Moynihan）期望加密货币成为另一个付款系统。

“If you go down the street here and buy lunch, you could pay with Visa, Mastercard, a debit card, Apple Pay, and so on,” he said. “In that sense, cryptocurrency would just be another form of payment.”

他说：“如果您在这里街上买午餐，您可以用Visa，万事达卡，借记卡，Apple Pay等付款。” “从这个意义上讲，加密货币将只是另一种付款方式。”

Incredibly, this shift is continuing at breakneck speed despite the relative novelty of crypto assets and the lack of clear regulations around them. Because crypto exists in a legal grey zone, numerous exchange platforms and DeFi protocols have indulged in risky practices in the past, putting their users at risk. This has long been one of the major factors encumbering institutional adoption due to the uncertainty it creates.

令人难以置信的是，尽管加密资产的相对新颖性以及周围缺乏明确的法规，但这种转变仍在以惊人的速度继续下去。由于Crypto存在于合法的灰色区域中，因此过去，许多交换平台和Defi协议都沉迷于风险实践，使他们的用户处于危险之中。长期以来，由于其造成的不确定性，这一直是控制机构采用的主要因素之一。

But necessity is the mother of innovation, and the crypto industry has been rushing to embrace numerous kinds of regulations and guidelines, securing licences that legally oblige them to follow transparent practices and protect their user’s funds at all times. These early movers are paving the way for institutions to adopt crypto by embracing accountability and increasing safety for those who want to deal with crypto assets.

但是，必要性是创新的母亲，加密货币行业一直在急于接受多种规定和准则，获得合法义务遵循透明做法并始终保护用户资金的许可证。这些早期的搬家工具为机构采用加密货币而为那些想要处理加密资产打交道的人采用加密货币的道路铺平了道路。

Building Compliant On-Ramps

建造符合符合的坡道

One of the biggest sticking points for digital assets has always been onboarding. Traditionally, buying and selling meant visiting an unregulated exchange platform that writes its own rulebook, sometimes with disastrous consequences for their customers.

数字资产最大的积分之一一直是入职。传统上，买卖意味着访问一个不受监管的交换平台，该平台编写自己的规则手册，有时会对客户造成灾难性的后果。

That’s changing with Transak, which offers more effective crypto on-ramp and off-ramp services that can satisfy even the most hesitant traditional financial institutions. It enables users to buy and sell crypto for fiat at the click of a button, and its services can be integrated into almost any kind of business application via an API.

随着Transak的变化，Transak提供了更有效的加密式坡道和外坡道服务，甚至可以满足最犹豫的传统金融机构。它使用户可以单击按钮购买和出售Crypto作为FIAT，并且可以通过API将其服务几乎集成到任何类型的业务应用程序中。

Transak, which supports multiple payment methods and hundreds of cryptocurrencies, does this in a way that’s secure and compliant with dozens of global regulations, as evidenced by the array of licenses and compliance certifications it has obtained in some of the world’s most important financial markets. For instance, it became the first crypto on-ramp to secure SOC 2 Type 2 Certification and more recently it has obtained U.S. Money Transmitter Licenses (MTLs) in Illinois and Missouri, joining the Delaware MTL it secured last year.

Transak支持多种付款方式和数百种加密货币，以一种安全且符合数十种全球法规的方式来做到这一点，这是由它在世界上一些最重要的金融市场中获得的一系列许可证和合规证明的。例如，它成为第一个获得SOC 2类型2类认证的加密货币，最近它在伊利诺伊州和密苏里州获得了美国货币发射机许可证（MTLS），并加入了去年获得的特拉华州MTL。

It’s also registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as an official Money Services Business (MSB), and has similar licenses in the EU, U.K. and India. In addition, it’s working with the Hong Kong government through its Asia Pacific headquarters to ensure compliance with local regulations there.

它还已在加拿大金融交易和报告分析中心（FINTRAC）注册为官方货币服务业务（MSB），并在欧盟，英国和印度拥有类似的许可证。此外，它正在通过其亚太总部与香港政府合作，以确保遵守那里的地方法规。

Transak isn’t alone in trying to provide compliant on-ramps for digital assets. The Crypto.com platform is arguably the most licensed traditional exchange platform in the world.

Transak并不孤单地试图为数字资产提供合规的坡道。 Crypto.com平台可以说是世界上最有许可的传统交换平台。

Crypto.com stands out from other exchanges because it also offers traditional stocks, fractional shares and ETFs, among other investment vehicles. To offer these, it had to ensure compliance with all manner of regulations. For instance, its derivatives trading options are governed by the Commodity Futures Trading Commission.

Crypto.com在其他交易所中脱颖而出，因为它还提供了传统的股票，分数股票和ETF以及其他投资工具。为了提供这些，它必须确保遵守各种法规。例如，其衍生品交易期权受商品期货交易委员会的约束。

In recent years, it has leveraged its close relationship with regulatory bodies to expand its compliance to digital assets, and earlier this year it was able to launch what it says is the first “institutional-grade” crypto asset exchange in the U.S., backed by multiple licenses including Broker-Dealer Registration, Designated Contracts Market (DCM) license, Money Services Business Registration and Money Transmitter Licenses in multiple U.S. states. Its platform caters to institutions globally, with additional licenses including the Class 2 Crypto-Asset Service Provider License (MiCA) certification in the EU and Crypto-Asset Business Registration in the U.K.

近年来，它利用与监管机构的密切关系来扩展其对数字资产的依从性，今年早些时候，它能够启动美国的第一个“机构级”加密资产交易所，并在多个许可证的支持下，并获得了包括经纪人销售商的多个许可证，包括经纪人登记，指定的合同市场（DCM）许可证，货币业务批准和货币交易企业，并在多重货币范围内提供了多个型号的求职者。它的平台迎合全球机构，并获得了其他许可

Secure Settlements & Tokenized Assets

安全定居和令牌资产

There are few companies that have done more to get traditional banks to explore blockchain than Ripple, the custodian of the XRP cryptocurrency that’s designed for international settlements.

比为国际定居点设计的XRP加密货币的保管人Ripple，很少有公司做更多的事情来吸引传统银行来探索区块链。

Founded way back in 2012, Ripple provides digital asset infrastructure for financial services, aiming to modernize the traditional finance sector where banks still play a central role. Its XRO ledger is customized

Ripple于2012年创立，为金融服务提供数字资产基础设施，旨在使银行仍然发挥核心作用的传统金融领域现代化。它的XRO分类帐已定制