Big Tech有望避开以太坊，Solana，inotum ...并建立自己的区块链

这些只是分散财务的三个建立区块链，支持项目的全面。

Big Tech firms such as Apple and Meta could avoid paying "rent" to any given blockchain by running their own blockchains, a venture partner at VanEck has said.

Vaneck的风险投资合作伙伴说，苹果和梅塔等大型科技公司可以通过运营自己的区块链来避免向任何给定的区块链支付“租金”。

Juan Lopez, general partner at the asset management firm's venture arm, was discussing how fintechs might prefer to build their own chains rather than using those built by decentralised finance firms.

资产管理公司风险投资部门的普通合伙人胡安·洛佩兹（Juan Lopez）正在讨论金融科技如何宁愿建造自己的链条，而不是使用分散的金融公司建造的链条。

His analysis comes as online brokerage Robinhood revealed a 700% rise in crypto-related revenue in the fourth quarter.

他的分析进行了，因为在线经纪的Robinhood显示，第四季度与加密相关的收入增长了700％。

With the fintech industry expected to reach $1.5 trillion by 2030, servicing their crypto needs presents a massive opportunity for DeFi players.

由于金融科技行业预计到2030年将达到1.5万亿美元，因此他们的加密货币需要为Defi玩家带来巨大的机会。

However, fintechs' desire to control their own chains could mean this chance slips between DeFi's fingers.

但是，金融科技控制自己的链条的愿望可能意味着这种机会在Defi的手指之间滑动。

But why would fintechs go to all of the expense and trouble to build their own solutions?

但是，为什么金融科技会涉足所有费用和构建自己的解决方案的麻烦呢？

Profits, is the short answer.

利润是一个简短的答案。

By controlling their own chains, companies could keep more of their earnings, Lopez argued.

洛佩兹认为，通过控制自己的连锁店，公司可以保留更多的收入。

Moreover, they would have more control over their technology stack, which is industry parlance for a collection of technologies used to build and run a product.

此外，他们将对自己的技术堆栈有更多的控制权，这对于用于构建和运行产品的技术集合来说是行业。

Some native firms have already started to do just that, which could provide a blueprint for fintech firms, Merlin Egalite, co-founder of decentralised lending protocol Morpho, told DL News.

分散式贷款协议Morpho的联合创始人Merlin Egalite告诉DL News，一些本土公司已经开始这样做，这可能为金融科技公司提供蓝图。

In 2023, Coinbase launched Base, its own Ethereum layer 2 blockchain.

2023年，Coinbase推出了基地，该基地是其自己的以太坊2层区块链。

It has grown to become the biggest layer 2 in crypto, with $3.8 billion worth of deposits, and has generated over $112 million in revenue for Coinbase since its launch, according to DefiLlama data.

根据Defillama Data的数据，它已经成为加密货币中最大的第2层，拥有价值38亿美元的存款，自Defillama Data发布以来，Coinbase的收入已超过1.12亿美元。

Rival exchange Kraken launched its own layer 2 called Ink in December.

竞争对手Exchange Kraken在12月推出了自己的2层Ink。

This approach, however, only works for bigger fintechs with established user bases, Lopez said. Smaller firms will likely still tap into existing DeFi infrastructure so they can benefit from its established user base.

洛佩兹说，这种方法仅适用于具有既定用户基础的更大金融科技。较小的公司可能仍会利用现有的Defi基础架构，因此它们可以从其既定的用户群中受益。

He compared using blockchains like Ethereum or Solana to an open source distribution mechanism, where a new product can instantly gain access to a pool of millions of potential users.

他将使用以太坊或Solana等区块链与开源分销机制进行了比较，新产品可以立即访问数百万个潜在用户的池。

Solana, the second biggest blockchains by deposits, has over 81 million monthly active wallets, per Token Terminal data.

索拉纳（Solana）是矿床的第二大区块链，每个令牌终端数据的每月活跃钱包超过8100万。

Arbitrum, the second-biggest Ethereum layer 2 behind Base, has 4.8 million monthly active wallets.

仲裁是仅次于基地的第二大太坊层，其每月有480万个活动钱包。

Some users may rotate between several wallets simultaneously, so there’s no way of knowing if these figures represent the number of individual users, however.

一些用户可以同时在几个钱包之间旋转，因此无法知道这些数字是否代表单个用户的数量。

Small and medium sized fintechs “will greatly benefit from just plugging into what’s out there,” Lopez said. “There’s going to be an explosion in the startup ecosystem.”

洛佩兹说，中小型的金融科技将“仅仅插入那里的东西，将大大受益。” “启动生态系统将会爆炸。”

Even some bigger firms are taking this approach.

甚至一些更大的公司也在采用这种方法。

In November, a group of fintech and crypto firms including Robinhood and crypto exchange Kraken launched their own stablecoin network, which will leverage existing blockchains including Ethereum and Solana.

11月，包括Robinhood和Crypto Exchange在内的一组金融科技和加密公司Kraken推出了自己的Stablecoin网络，该网络将利用包括以太坊和Solana在内的现有区块链。

Other firms, such as Revolut, the British neobank, are expected to follow suit.

其他公司，例如Revolut，British Neobank，有望效仿。

Few details are known about the firm's stablecoin project. But with a valuation of $45 billion and a UK bank licence, Revolut's move will pack a punch.

有关公司的Stablecoin项目的详细信息很少。但是，凭借450亿美元的估值和英国银行许可证，Revolut的举动将赢得一拳。

“Over the next 12 to 24 months, we’ll see fully-fledged product rollouts from traditional fintechs offering stablecoin payments,” Lopez said.

洛佩兹说：“在接下来的12到24个月中，我们将看到传统金融科技提供稳定付款的成熟产品的推广。”

“Once everyone sees that they’re processing billions of dollars in volume per month, I don’t think anybody’s going to care about what this is for,” he said.

他说：“一旦每个人都看到他们每月正在处理数十亿美元的数量，我就不会有人在乎这是用途的。”

“They’ll just jump on the train.”

“他们会跳上火车。”