突破性技術解決方案使品牌能夠在其生態系統中構建自定義信用卡產品，而無需將客戶放置給傳統銀行

Coinbase（NASDAQ：COIN）是美國最大的加密貨幣平台，是利用該基礎設施來構建Coinbase一張卡的就職夥伴

In the rapidly evolving fintech landscape, brands are continually seeking innovative ways to deepen customer engagement, enhance loyalty, and build lasting relationships. While co-branding arrangements with legacy banks have traditionally been the preferred route for launching branded credit cards, these partnerships often come with limitations, requiring brands to make significant compromises.

在快速發展的金融科技景觀中，品牌正在不斷尋求創新的方式來加深客戶參與，提高忠誠度和建立持久的關係。傳統上，與傳統銀行的共同安排是推出品牌信用卡的首選途徑，但這些合作夥伴通常會受到限制，要求品牌進行重大妥協。

However, a new era in credit card technology has dawned with the introduction of Cardless' embedded credit card platform. This groundbreaking solution empowers brands to design and launch their own custom credit card programs within their existing ecosystems, marking a paradigm shift in the industry.

但是，隨著引入無卡“嵌入式信用卡平台”的引入，信用卡技術的新時代已經意識到。這種開創性的解決方案使品牌能夠在其現有生態系統中設計和啟動自己的自定義信用卡程序，這標誌著該行業的範式轉變。

Cardless, a leading fintech innovator known for its transformative credit card technology, today announced the launch of its embedded credit card platform. This breakthrough solution is designed to help brands build their own credit card programs. Coinbase (Nasdaq: COIN), the largest U.S.-based cryptocurrency platform, is the inaugural partner utilizing this infrastructure to build the Coinbase One Card, a premium consumer credit offering for Coinbase loyalty members integrated directly into the Coinbase digital experience.

以變​​革性信用卡技術而聞名的領先的金融科技創新者Cardless今天宣布推出其嵌入式信用卡平台。該突破性解決方案旨在幫助品牌構建自己的信用卡計劃。 Coinbase（NASDAQ：COIN）是美國最大的加密貨幣平台，是利用該基礎設施來構建Coinbase One Card的首屆合作夥伴，這是Coinbase忠誠度成員的高級消費者信用量，直接集成了共集成到Coinbase數字體驗中。

This news follows the recent buzz surrounding the possibilities of embedded financial products, an area gaining traction among fintech startups. Cardless' model pivots away from the traditional co-branded credit card models, which often restrict brands in their deployment and branding.

該消息是在最近圍繞嵌入式金融產品的可能性的嗡嗡聲之後，這一領域吸引了金融科技初創公司。 “無卡”模型遠離了傳統的共同品牌信用卡模型，這些信用卡模型通常會限製品牌的部署和品牌。

Instead, Cardless' API-based platform, underwriting, and servicing workflows enable brands to natively build lending infrastructure directly within their app or webpage, creating delightful customer experiences and driving higher conversion. This approach stands in stark contrast to the limited integration and suboptimal user experience of co-branded card programs.

取而代之的是，無卡的基於API的平台，承保和維修工作流程使品牌能夠直接在其應用程序或網頁中直接建立貸款基礎架構，從而創造出愉快的客戶體驗並推動更高的轉換。這種方法與共同品牌卡程序的有限集成和次優的用戶體驗形成鮮明對比。

Moreover, Cardless' embedded offering enables brands to launch and manage customizable card programs with complete control over the user experience. From cardholder benefits and rewards to the overall design and branding of the card and user interface, brands retain full autonomy.

此外，無卡“嵌入式”提供使品牌能夠通過完全控制用戶體驗來啟動和管理可自定義的卡程序。從持卡人的福利和獎勵到卡和用戶界面的總體設計和品牌，品牌保留了完全的自主權。

With a robust suite of APIs, rapid deployment capabilities, and pre-built flows, Cardless simplifies the complexities of card issuance, compliance, customer support, and capital markets. This allows brands to focus on what matters most—optimizing their program performance and deepening customer engagement.

無牌憑藉可靠的API，快速部署能力和預先構建的流量，無牌簡化了發行卡，合規性，客戶支持和資本市場的複雜性。這使品牌可以專注於最重要的事情 - 優化其程序性能並加深客戶參與度。

By ingesting customer data to personalize rewards and loyalty features, Cardless helps brands drive stronger engagement and performance—enabling higher application volumes, improved conversion rates, and increased customer retention compared to traditional programs.

通過攝入客戶數據以個性化獎勵和忠誠度功能，無紙牌可幫助品牌推動更強的參與度和性能 - 與傳統計劃相比，增加了更高的應用程序量，提高的轉換率以及客戶保留率的提高。

"Until now, a brand had to become a bank or strike a complex M&A deal to build a truly differentiated credit card. Our embedded offering removes that barrier, enabling leading brands like Coinbase to build a deeply integrated custom credit card program in record time, delivering a unique loyalty value proposition for their customers," said Michael Spelfogel, President and Co-Founder of Cardless.

"Until now, a brand had to become a bank or strike a complex M&A deal to build a truly differentiated credit card. Our embedded offering removes that barrier, enabling leading brands like Coinbase to build a deeply integrated custom credit card program in record time, delivering a unique loyalty value proposition for their customers," said Michael Spelfogel, President and Co-Founder of Cardless.

Coinbase today launched the Coinbase One Card waitlist for Coinbase One subscribers, who will be able to earn up to 4% back in bitcoin on every purchase. The Card will become available in the U.S. this fall. Powered by the American Express network, the Coinbase One Card combines everyday usability with crypto-native rewards and access to American Express experiences, offers, and protections. Learn more here.

Coinbase今天為Coinbase One訂戶推出了Coinbase One卡候補列表，他們在每次購買時都可以在比特幣中賺取高達4％的訂戶。該卡將在今年秋天在美國提供。 Coinbase One卡在美國快車網絡的支持下，將日常的可用性與加密本地的獎勵以及獲得美國快速經驗，優惠和保護的訪問。在這裡了解更多。

"Partnering with Cardless has let us build a deeply customized and secure card product that aligns with our mission to increase economic freedom and makes it easy for people to earn rewards with the power to grow," said Max Branzburg, Head of Consumer & Business Products at Coinbase.

Coinbase消費者和商業產品負責人Max Branzburg說：“與Cardless合作使我們建立了一種深入定制且安全的卡產品，該產品與我們的使命相吻合，以增加經濟自由，使人們可以輕鬆地隨著增長能力而獲得獎勵。”

About Cardless

關於無卡

Cardless partners with brands to design and manage innovative co-branded credit card programs. The company's seamless digital experience and powerful technology enable personalized rewards and enhanced customer benefits. The Coinbase One Card will be issued by First Electronic Bank. Terms and conditions will apply for the Coinbase One Card and the rewards program. American Express is a registered trademark of American Express and is used by the issuer pursuant to a license. For more information, please visit cardless.com.

與品牌的無人夥伴合作夥伴設計和管理創新的共同品牌信用卡計劃。該公司的無縫數字體驗和強大的技術可實現個性化的獎勵並增強客戶益處。 Coinbase一張卡將由第一電子銀行發行。條款和條件將適用於Coinbase一張卡和獎勵計劃。 American Express是American Express的註冊商標，由發行人根據許可使用。有關更多信息，請訪問cardless.com。

About Coinbase

關於共同案件

Crypto creates economic freedom by ensuring that people can participate fairly in the economy, and Coinbase (NASDAQ: COIN) is on a mission to increase economic freedom for more than 1 billion people. We’re updating the century-old financial system by providing a trusted platform that makes it easy for people and institutions to engage with crypto assets, including trading, staking, safekeeping, spending, and fast, free global transfers. We also provide critical infrastructure for onchain activity and support builders who share our vision that onchain is the new online. And together with the crypto community, we advocate for responsible rules to make the benefits of crypto available around the world.

Crypto通過確保人們可以公平參與經濟來創造經濟自由，而Coinbase（NASDAQ：COIN）的使命是提高超過10億人口的經濟自由。我們通過提供一個值得信賴的平台來更新百年曆史的金融體系，該平台使人們和機構很容易與加密資產互動，包括交易，積分，保管，支出，支出以及快速，免費的全球轉移。我們還為OnChain活動提供關鍵的基礎架構，並為建築商提供支持，他們分享了我們的願景，即OnChain是新的在線網上。我們與加密貨幣社區一起提倡負責任的規則，以使世界各地的加密貨幣受益。