區塊鏈，銀行業和全球經濟：新時代黎明

探索區塊鏈如何重塑銀行業務和全球經濟，從摩根大通的JPMD到比特幣在全球流動性中的作用。

The intersection of blockchains, banking, and the global economy is creating a dynamic landscape. As traditional systems like COBOL give way to innovative technologies, and central banks adjust their approach to digital assets, the future of finance is being rewritten.

區塊鏈，銀行業和全球經濟的交集正在創造動態的景觀。隨著COBOL這樣的傳統系統讓位於創新技術，中央銀行調整了其數字資產的方法，財務的未來正在改寫。

COBOL's Sunset and the Rise of Blockchain

COBOL的日落和區塊鏈的興起

For decades, COBOL, an ancient programming language, has powered the backbones of banking systems worldwide. Jesse Pollak from Coinbase envisions a future where blockchain technology makes the global economy "100 times better." JPMorgan's JPMD (J.P. Morgan Deposit Token) is a prime example, integrating blockchain into its payment system. This shift marks a potential end to COBOL's reign, still used in over 43% of global banks, according to Reuters.

幾十年來，Cobol是一種古老的編程語言，為全球銀行系統的骨幹提供了動力。 Coinbase的Jesse Pollak設想了一個未來，區塊鏈技術使全球經濟的“ 100倍”。摩根大通（JPMorgan）的JPMD（JP Morgan存款令牌）是一個很好的例子，將區塊鏈集成到其支付系統中。據路透社報導，這種轉變標誌著科博爾統治的潛在目的，該統治仍在全球超過43％的全球銀行中使用。

JPMD: A Glimpse into the Future

JPMD：一瞥未來

JPMD allows whitelisted customers to transfer deposits to Coinbase's BASE, enabling far more efficient money movement. John Duigenan from IBM Technology points out the lack of innovation in banking due to outdated systems. JPMD offers peer-to-peer transactions with programmability, similar to stablecoins, heralding a new era of banking.

JPMD允許白名單的客戶將存款轉移到Coinbase的基礎上，從而使資金更加有效。來自IBM Technology的John Duigenan指出，由於過時的系統，由於缺乏銀行業的創新。 JPMD提供具有可編程性的點對點交易，類似於Stablecoins，預示了銀行業的新時代。

User-Friendly Tools for the Blockchain Era

區塊鏈時代用戶友好的工具

As the financial world evolves, user-friendly tools are crucial. Best Wallet, a non-custodial, no-KYC crypto wallet, exemplifies this trend. With features like live charts and a Token Launchpad, it simplifies the crypto experience. The $BEST token supports the wallet's development and offers holders perks like governance rights and reduced fees. Analysts predict $BEST could reach $0.072 by year-end, a significant increase from its presale price.

隨著金融界的發展，用戶友好的工具至關重要。最好的錢包是一種非習慣，無凱的加密錢包，體現了這一趨勢。憑藉實時圖表和代幣啟動板等功能，它簡化了加密體驗。 $最佳令牌支持錢包的開發，並提供諸如治理權利和減少費用之類的持有人的特權。分析師預測，$ BEST會在年底時達到0.072美元，比其預售價格顯著提高。

Fee Growth Signals Blockchain Utility

費用增長信號區塊鏈實用程序

Nansen's data on blockchain fee growth highlights which chains are experiencing genuine user activity. Aptos leads with a +78% fee growth, indicating strong demand. Fee generation is a key indicator of a blockchain's economic value, signifying increased competition or higher perceived transaction value.

Nansen關於區塊鏈費用增長的數據突出顯示了連鎖店正在經歷真正的用戶活動。 Aptos領先於78％的費用增長，表明需求強勁。收費產生是區塊鏈經濟價值的關鍵指標，表示競爭的增加或更高的交易價值。

Regulatory Shifts and Crypto Adoption

監管轉變和加密採用

The US Federal Reserve's decision to remove reputational risk from bank examination programs is a game-changer. This move, aligning with the OCC and FDIC, eases restrictions for banks to engage with cryptocurrencies. Following the announcement, Bitcoin and Ethereum rallied, signaling renewed market optimism. Senator Lummis previously criticized the Fed for hindering crypto adoption through the reputational risks clause.

美國美聯儲從銀行考試計劃中消除聲譽風險的決定是改變遊戲規則的。這一舉動與OCC和FDIC保持一致，這簡化了銀行與加密貨幣互動的限制。宣布這一消息後，比特幣和以太坊集會，信號引起了市場的樂觀。盧米斯參議員此前批評美聯儲通過聲譽風險條款阻礙了加密貨幣的採用。

Bitcoin and Global Liquidity

比特幣和全球流動性

Bitcoin's price fluctuations are increasingly tied to global liquidity. Abra CEO Bill Barhydt suggests that as fiat money supply (M2) expands, Bitcoin's value tends to rise due to its limited supply. Despite recent dips, Barhydt remains bullish, forecasting a potential $130,000 price target by late summer. States are even considering treating BTC as a reserve asset, highlighting its growing strategic importance.

比特幣的價格波動越來越與全球流動性聯繫在一起。 ABRA首席執行官Bill Barhydt認為，隨著FIAT貨幣供應（M2）的擴大，由於供應有限，比特幣的價值往往會上升。儘管最近下降了，但Barhydt仍然看漲，預測到夏末到夏末的目標價為130,000美元。各州甚至考慮將BTC視為儲備資產，強調其戰略重要性的日益增長。

Final Thoughts

最後的想法

The journey from COBOL to crypto is well underway. With innovative wallets, growing blockchain adoption, and shifting regulatory landscapes, the financial world is on the cusp of a monumental transformation. So, buckle up, buttercup! The future of money is looking wilder than a Wall Street after-party!

從Cobol到加密貨幣的旅程正在進行中。憑藉創新的錢包，採用區塊鏈的越來越多以及不斷變化的監管景觀，金融界正處於一種巨大的轉型中。所以，扣緊，毛cup！金錢的未來看起來比華爾街婚後的野外野外！