Web2巨头正在重写数字融资规则

曾几何时，加密货币被称为野生西部，这是一个由牛仔经营的干旱游乐场，里面装满了BTC和Lambos的梦想。

In the annals of crypto lore, there was a time when the landscape was likened to the Wild West – a rugged, untamed frontier governed by cowboys brandishing wallets brimming with BTC and dreams of Lambos. Fast forward to 2025, and that unforgiving terrain has undergone a remarkable transformation, yet it retains its capacity to perpetually surprise. One of the more pleasant surprises to have emerged in recent years has been the willingness of businesses once deemed the adversary of crypto to support its integration into every payment system.

在加密纪录的年鉴中，曾经有一段时间将景观比作野外西部 - 由牛仔队挥舞着充满BTC和Lambos的梦想的牛仔队的崎trang镇。快进到2025年，而无情的地形经历了出色的转变，但它保留了永久惊喜的能力。近年来出现的更令人惊喜的惊喜之一是企业曾经认为加密货币的对手支持其整合到每个付款系统中。

Web2 giants – those household names that power your online existence – are saddling up and bringing their muscle to the crypto corral. PayPal, Visa, Mastercard – they're all cantering in, and it's a genuine game-changer. Why? Because when these titans join the party, crypto stops being a fringe fantasy and starts feeling like something you'd actually use on the daily. They don’t often receive credit for their Damascene conversion, but plaudits are due for the web2 players who’ve come full circle.

Web2巨头（那些为您的在线生存提供动力的家喻户晓的名字）正在努力，将其肌肉带到加密corral骨上。贝宝（Paypal），签证，万事达卡（Mastercard） - 他们都在慢跑，这是一个真正的游戏规则改变者。为什么？因为当这些泰坦参加聚会时，加密货币停止成为边缘幻想，开始感觉像您每天实际使用的东西。他们并不经常因大马士革转换而获得信用，但是PLAUDITS是为了完整圈子的Web2播放器所致。

Financial Players with Skin in the Game

游戏中有皮肤的财务参与者

Let's start with the big guns. PayPal kicked things off in 2020, enabling users to buy, sell, and hold cryptos such as BTC and ETH. By 2024, they'd upped the ante, integrating stablecoin PYUSD and rolling it out to 430 million users worldwide. Visa's not far behind; since 2021, they've settled over $2.5 billion in crypto-linked transactions. Mastercard, meanwhile, is pushing crypto debit cards and piloting blockchain payments. From a user perspective, it means that if you're already on PayPal or swiping a Visa, crypto's not a leap – it's a sidestep. These giants are effectively turning “what's a wallet?” into “oh, I already have that.”

让我们从大枪开始。贝宝（Paypal）在2020年开始了事情，使用户能够购买，出售和持有BTC和ETH等加密货币。到2024年，他们已经提高了赌注，整合了Stablecoin Pyusd，并将其推广到全球4.3亿用户。签证不远；自2021年以来，他们已经定居超过25亿美元的加密货币交易。同时，万事达卡正在推动加密借记卡和试行区块链付款。从用户的角度来看，这意味着，如果您已经在使用PayPal或刷卡签证，那么加密货币不是一个飞跃 - 这是一个回避。这些巨人有效地转动了“什么是钱包？”进入“哦，我已经有那个。”

Neo-banks, the cool kids bridging old money and new, are also doing a lot of the heavy lifting here. Take Crypto.com, over 80 million users strong and with billboards at seemingly every major sporting event. Great name, globally recognizable brand. They've just added PayPal as a payment method, letting you fund your crypto buys straight from your PayPal balance.

Neo Banks，繁琐的孩子们桥着旧金和新的钱，也在这里做很多繁重的工作。以Crypto.com为例，超过8000万用户强劲，并且在所有主要体育赛事中都有广告牌。名牌，全球可识别的品牌。他们只是添加了PayPal作为付款方式，让您直接从PayPal余额中购买加密货币。

This means no interminable transfers, no extra apps: just seamless integration into a platform you already trust. It's like adding crypto to your financial toolbox without needing a manual. Neo-banks like Crypto.com aren't so much lowering crypto's adoption curve as steam-rollering it till it's pancake flat.

这意味着没有无关的转移，没有额外的应用程序：只是无缝集成到您已经信任的平台中。这就像在不需要手册的情况下将加密货币添加到您的财务工具箱中。像crypto.com这样的新银行并没有那么降低加密货币的采用曲线，而是蒸汽滚动，直到煎饼平坦。

Don't Forget the Partnerships Driving Adoption

不要忘记推动采用采用的伙伴关系

Web3 projects love a good partnership announcement, and in collaborating with web2's major players, they've inked deals that are more than mere vapor. PayPal and Visa teamed up last year to streamline crypto payouts – think freelancers getting paid in USDC via Visa Direct. Mastercard's collab with wallet providers like MetaMask and Trust Wallet, meanwhile, let users top up cards with crypto in seconds.

Web3项目喜欢一个良好的合作伙伴关系公告，并与Web2的主要参与者合作，他们签署了不仅仅是蒸气的交易。 PayPal和Visa去年联手简化了加密货币的支出 - 认为自由职业者通过Visa Direct获得了USDC的报酬。同时，万事达卡与MetAmask和Trust Wallet等钱包提供商的合作，让用户在几秒钟内用加密货币充实卡片。

Then there's Mercuryo, the rising fintech star, partnering with web3 heavyweights like Polygon and now powering euro crypto cards with Mastercard. These tie-ups aren't just headlines; they're highways, paving the way for crypto to flow into everyday life. Whether you position it as a web2 player streamlining access to web3 or vice-versa, the upshot is that Mercuryo and other payment providers are now mainstays for much of the money that flows between the on- and off-chain worlds 24/7.

然后是Rising Fintech明星Mercuryo，与Web3重量级人物（如Polygon）合作，现在用万事达卡为Euro Crypto卡提供动力。这些搭档不仅是头条新闻。他们是高速公路，为加密货币融入日常生活铺平了道路。无论您是将其定位为web2播放器，可以简化对Web3的访问还是反之亦然，结果是Mercuryo和其他付款提供商现在是在24/7全天候和链链球之间流动的大部分资金的支柱。

Why Now?

为什么现在？

What's fueling this fire in web2 giants? They're not entering web3 out of FOMO – they're smarter than that. Rather, their decision to support the cryptoconomy rather than sit it out on the sidelines is driven by more rational reasoning. With much of the regulatory risk and “exoticness” of crypto having been tempered, it's a lot safer for these TradFi titans to enter the fray. And there's money for them to make by connecting the old world with the new.

Web2巨头中的这场大火是什么？他们没有从FOMO中输入Web3，而是比这更聪明。相反，他们决定支持加密经济学而不是将其放在场上的决定是由更理性的推理所驱动的。由于加密加密的大部分监管风险和“异国情调”，对于这些Tradfi Titans进入竞争而言，要安全得多。通过将旧世界与新的联系联系起来，他们可以赚钱。

As for the competencies they bring to bear within the crypto arena, first there's user experience: we're talking apps so intuitive even your grandma could buy ETH. Second, there's security: Visa's fraud protection and PayPal's two-factor authentication make crypto feel less like a gamble. Third, there's familiarity: linking crypto to Apple Pay, Google Pay, or your trusty Visa card shrinks the learning curve to a blip. That's the vibe: safe, simple, and second nature.

至于他们在加密竞技场内带来的能力，首先是用户体验：我们在谈论应用程序，即使您的奶奶可以购买ETH，因此我们的直观应用程序。其次，有安全感：Visa的欺诈保护和PayPal的两因素身份验证使加密货币不像是一场赌博。第三，有熟悉程度：将加密货币与Apple Pay，Google Pay或您可信赖的签证卡联系起来，将学习曲线缩小到BLIP。那就是氛围：安全，简单和第二天性。

Case Studies: The Proof's in the Pudding

案例研究：布丁中的证明

The partnership between Mercuryo and MetaMask is a masterstroke for simplifying crypto onboarding. Their integration lets users buy crypto with a bank card in under a minute – no wrestling with seed phrases or navigating convoluted exchange signups. By tapping into Mercuryo'

Mercuryo和Metamask之间的合作伙伴关系是简化加密货币的硕士学位。他们的集成使用户可以在不到一分钟的时间内用银行卡购买加密货币 - 没有种子短语或导航复杂的交易所注册。通过利用汞'