Yopaki 首席执行官 Francisco Chavarria 谈到针对每个墨西哥比特币用户

2021 年，Francisco Chavarria 站在 Bitcoin 2021 的观众席上，观看 Strike 首席执行官 Jack Mallers 热情地发表了现在著名的主题演讲

Company Name: Yopaki

公司名称： 约帕基

Founders: Francisco Chavarria (CEO) and Carlos Chida (CTO)

创始人：Francisco Chavarria（首席执行官）和 Carlos Chida（首席技术官）

Date Founded: March 2023

成立日期：2023年3月

Location of Headquarters: Austin, TX

总部地点：德克萨斯州奥斯汀

Number of Employees: Four full time; one part time

员工人数：四名全职；一份兼职

Website: https://www.yopaki.com/

网站：https://www.yopaki.com/

Public or Private? Private

公立还是私立？私人的

In 2021, Francisco Chavarria stood in the audience at Bitcoin 2021 and watched on as Strike CEO Jack Mallers passionately delivered his now famous keynote speech during which he revealed that El Salvador planned to make bitcoin legal tender.

2021 年，Francisco Chavarria 站在 Bitcoin 2021 的观众席上，观看 Strike 首席执行官 Jack Mallers 热情地发表了现在著名的主题演讲，期间他透露萨尔瓦多计划将比特币设为法定货币。

That moment sparked something within Chavarria.

那一刻在查瓦里亚内部引发了某种火花。

“It was unlike anything I’d experienced in my professional career,” Chavarria told Bitcoin Magazine.

“这与我在职业生涯中经历过的任何事情都不一样，”查瓦里亚告诉《比特币杂志》。

“I knew I had to do something in the Bitcoin space after that. It was the seed,” he added.

“我知道在那之后我必须在比特币领域做点什么。这是种子，”他补充道。

Fast-forward ahead two years, and Chavarria found himself putting his career as a Software as a Service (SaaS) consultant on hold to draw up the blueprints for Yopaki, a neobank and investment app with a Bitcoin-focus, aimed at serving the people of his home country, Mexico. (Users outside of Mexico can also use Yopaki’s non-custodial Lighting wallet.)

快进两年后，Chavarria 发现自己暂停了软件即服务 (SaaS) 顾问的职业生涯，转而为 Yopaki 制定蓝图，Yopaki 是一款以比特币为重点的新银行和投资应用程序，旨在为人民服务他的祖国墨西哥。 （墨西哥境外的用户也可以使用 Yopaki 的非托管 Lighting 钱包。）

Since then, he and his co-founder, Carlos Chida, have been hard at work bringing Yopaki to life, including taking part in Wolf’s Bitcoin Accelerator program in efforts to make Yopaki as cutting-edge and dynamic as possible.

从那时起，他和联合创始人 Carlos Chida 一直致力于让 Yopaki 焕发活力，包括参加 Wolf 的比特币加速器计划，努力使 Yopaki 尽可能前沿和充满活力。

But before getting to that part of the story, let’s start with the cultural origin of the platform’s name.

但在讨论故事的这一部分之前，让我们先从该平台名称的文化起源开始。

What’s In A Name?

名字里有什么？

“The name Yopaki comes from the ancient language Nahuatl, the language spoken by the Aztecs,” explained Chavarria.

“Yopaki 这个名字来自古代语言纳瓦特尔语，阿兹特克人使用的语言，”查瓦里亚解释道。

“The Aztecs lived in the center region of what today is Mexico, and they're the ones responsible for some of the biggest pyramids in all of Latin America. The center of this historical place is called Teotihuacán, ‘the place of the gods.’”

“阿兹特克人生活在今天墨西哥的中心地区，他们建造了拉丁美洲一些最大的金字塔。这个历史悠久的地方的中心被称为特奥蒂瓦坎，“众神的地方”。”

“The name itself, if I were to translate it into English, most closely means “the pursuit of happiness.’”

“如果我把它翻译成英语，这个名字本身最接近的意思就是‘追求幸福’。”

Judging by the name alone, it’s clear that Chavarria views Yopaki as more than just another business endeavor — he wants it to have a profound impact on those who use it.

仅从名字来看，Chavarria 显然认为 Yopaki 不仅仅是另一项商业活动，他希望它对使用它的人产生深远的影响。

And he’ll need the app to have such an impact if he and his team are to succeed in their mission: to turn every Mexican into a Bitcoiner.

如果他和他的团队要成功完成他们的使命：将每个墨西哥人变成比特币爱好者，他就需要该应用程序产生如此大的影响。

Bitcoin In The Mexican Context

墨西哥背景下的比特币

When Bitcoin is brought up in the context of Latin America and other developing regions, it’s often referenced as a tool to “bank the unbanked.”

当比特币在拉丁美洲和其他发展中地区被提及时，它经常被称为“为没有银行账户的人提供银行服务”的工具。

However, Mexico’s banking system is “quite advanced,” according to Chavarria.

然而，查瓦里亚表示，墨西哥的银行系统“相当先进”。

“The infrastructure has been built for people to have access to banking,” he explained.

“基础设施的建立是为了让人们能够使用银行业务，”他解释道。

“It may not be the same banking that we have in the U.S. (where Chavarria currently resides), but, for example, in Mexico, there are stores like 7/11s called OXXOs, and they’re everywhere. Any person can walk into an OXXO with an ID, and within 20 minutes, they can walk out with a Visa card and an app,” he added.

“这可能与我们在美国（Chavarria 目前所在的地方）的银行业务不同，但是，例如，在墨西哥，有 7/11 之类的商店，称为 OXXO，而且它们无处不在。任何人都可以带着身份证走进 OXXO，然后在 20 分钟内就可以带着 Visa 卡和应用程序走出去。”他补充道。

“It’s not exactly a bank, but it provides access to payment rails,” he noted.

“它不完全是一家银行，但它提供了支付通道，”他指出。

Chavarria went on to share that these Visa cards do charge high fees, though.

Chavarria 继续表示，不过这些 Visa 卡确实收取高额费用。

“They’re very predatory in that sense,” he said.

“从这个意义上说，他们非常具有掠夺性，”他说。

So, Yopaki provides its Mexican users with access to three different monetary accounts: a Mexican peso account, a U.S. dollar account and a (non-custodial) bitcoin Lightning wallet. Each of these accounts lets their users transact at lower rates than said Visa cards. (In 2025, Yopaki will also enable its Mexican users to buy stocks, ETFs and other securities, as well.)

因此，Yopaki 为其墨西哥用户提供了三种不同货币账户的访问权限：墨西哥比索账户、美元账户和（非托管）比特币闪电钱包。这些账户中的每一个都允许其用户以低于上述 Visa 卡的费率进行交易。 （到 2025 年，Yopaki 还将允许其墨西哥用户购买股票、ETF 和其他证券。）

By offering a bitcoin wallet alongside accounts for traditional currencies, Chavarria hopes to legitimize bitcoin in the eyes of its users. However, he also feels that Yopaki has some work to do as far as helping Mexicans to get comfortable using bitcoin, which is why he and his team are doing what they can to make the process enjoyable.

通过提供比特币钱包和传统货币账户，Chavarria 希望让比特币在用户眼中合法化。然而，他也认为 Yopaki 在帮助墨西哥人习惯使用比特币方面还有一些工作要做，这就是为什么他和他的团队正在尽其所能让这个过程变得愉快。

Making Bitcoin Fun With Lotería

Lotería 让比特币变得有趣

A favorite pastime of the Mexican people is a game called lotería. It’s comparable to Bingo but with images instead of numbers.

墨西哥人最喜欢的消遣是一种叫做“lotería”的游戏。它与宾果游戏相当，但用图像而不是数字。

Chavarria and the Yopaki team included it into the app with a Bitcoin slant — concepts and characters like the Lightning Network and Max Keiser appear in the Yopaki version of the game.

Chavarria 和 Yopaki 团队将其纳入带有比特币倾向的应用程序中——闪电网络和 Max Keizer 等概念和角色出现在 Yopaki 版本的游戏中。

“When it comes to Mexico, people think tequila, tacos, mariachi, and lotería,” said Chavarria.

“说到墨西哥，人们会想到龙舌兰酒、炸玉米饼、墨西哥流浪乐队和彩票，”查瓦里亚说。

“There’s

“有