Coinbase、人工智能和區塊鏈：一次一個區塊實現金融現代化

Coinbase 正在倡導人工智能和區塊鏈的整合，以徹底改變監管合規性和金融服務。未來看起來是光明的！

The intersection of Coinbase, AI, and blockchain is creating waves of innovation across the financial landscape. Let's dive into the latest trends and insights shaping this dynamic space.

Coinbase、人工智能和區塊鏈的交叉正在整個金融領域掀起創新浪潮。讓我們深入了解塑造這個動態空間的最新趨勢和見解。

Coinbase Leads the Charge for AI-Powered Compliance

Coinbase 在人工智能驅動的合規性方面處於領先地位

Coinbase is at the forefront, advocating for modern solutions to combat financial crime. Their recent proposal to the U.S. Treasury highlights the need for innovative approaches, particularly leveraging AI, to detect illicit activity in digital assets. As Coinbase's Chief Legal Officer, Paul Grewal, emphasized, fighting modern financial crime requires equally modern solutions.

Coinbase 走在最前沿，倡導現代解決方案來打擊金融犯罪。他們最近向美國財政部提出的提案強調需要採用創新方法，特別是利用人工智能來檢測數字資產的非法活動。正如 Coinbase 首席法務官 Paul Grewal 所強調的那樣，打擊現代金融犯罪需要同樣現代的解決方案。

One of the key recommendations is the establishment of regulatory safe harbors under the Bank Secrecy Act (BSA) for firms responsibly deploying AI. This move could unlock the full potential of AI in reducing false positives, processing transactions in real-time, and freeing up compliance teams to focus on higher-risk activities. The uncertainty surrounding AI use has been a significant barrier for U.S. firms, and clear guidance from the Treasury is crucial.

其中一項關鍵建議是根據《銀行保密法》（BSA）為負責任地部署人工智能的公司建立監管安全港。此舉可以充分發揮人工智能在減少誤報、實時處理交易以及讓合規團隊專注於高風險活動方面的全部潛力。人工智能使用的不確定性一直是美國企業面臨的重大障礙，財政部的明確指導至關重要。

Blockchain Solutions for Identity and Efficiency

用於身份和效率的區塊鏈解決方案

Beyond AI, Coinbase is also pushing for updates to the BSA’s customer identification rules. The company proposes accepting decentralized identification and zero-knowledge proofs as valid verification methods. This would not only reduce identity theft risks but also enable the secure reuse of verified identities across institutions. Imagine a world where you only need to verify your identity once, and it's securely recognized across multiple platforms – that's the vision.

除了人工智能之外，Coinbase 還在推動 BSA 客戶識別規則的更新。該公司建議接受去中心化身份識別和零知識證明作為有效的驗證方法。這不僅可以降低身份盜竊風險，還可以跨機構安全地重複使用經過驗證的身份。想像一個世界，您只需驗證一次身份，並且可以跨多個平台安全地識別 – 這就是願景。

On the blockchain side, Coinbase recommends using Know-Your-Transaction screening and blockchain analytics clustering. These tools offer more accurate and efficient monitoring compared to traditional methods. Regulatory guidance recognizing these methods could significantly improve data protection and compliance outcomes.

在區塊鏈方面，Coinbase 建議使用“了解您的交易”篩选和區塊鏈分析集群。與傳統方法相比，這些工具提供更準確、更高效的監控。認可這些方法的監管指南可以顯著改善數據保護和合規結果。

The Bigger Picture: Crypto's Reliance on Centralized Services

大局觀：加密貨幣對中心化服務的依賴

While Coinbase is innovating on the regulatory and technological fronts, recent events have highlighted a critical challenge for the crypto industry: its dependence on centralized cloud services. An Amazon Web Services (AWS) outage on October 20, 2025, knocked out several major services, including Coinbase, Base, and Robinhood, exposing the fragility of relying on single, centralized providers.

雖然 Coinbase 在監管和技術方面進行創新，但最近發生的事件凸顯了加密行業面臨的一個關鍵挑戰：其對中心化雲服務的依賴。 2025 年 10 月 20 日，亞馬遜網絡服務 (AWS) 發生故障，導致包括 Coinbase、Base 和 Robinhood 在內的多項主要服務癱瘓，暴露了依賴單一中心化提供商的脆弱性。

This isn't an isolated incident. Similar outages have disrupted major crypto exchanges in the past. Experts warn that despite the rhetoric of decentralization, the ecosystem remains heavily reliant on centralized cloud providers. Decentralized solutions are essential to mitigate the risk of single points of failure, but the DePIN sector is still in its early stages. Until decentralized infrastructure becomes standard, users will continue to feel the effects of a tightly interconnected web2 world.

這不是一個孤立的事件。過去，類似的中斷曾擾亂過主要的加密貨幣交易所。專家警告說，儘管有去中心化的說法，但生態系統仍然嚴重依賴中心化的雲提供商。去中心化解決方案對於降低單點故障風險至關重要，但 DePIN 領域仍處於早期階段。在去中心化基礎設施成為標準之前，用戶將繼續感受到緊密互聯的 Web2 世界的影響。

Wyoming's Bold Move: A State-Issued Stablecoin

懷俄明州的大膽舉措：州發行的穩定幣

In other exciting news, Wyoming has been actively testing its FRNT stablecoin across seven major blockchains. This multi-chain deployment showcases Wyoming's commitment to maximizing accessibility and resilience. The FRNT stablecoin is fully backed by U.S. dollars and short-duration U.S. Treasuries, with a mandated 2% overcollateralization for added stability.

其他令人興奮的消息是，懷俄明州一直在七個主要區塊鏈上積極測試其 FRNT 穩定幣。這種多鏈部署展示了懷俄明州對最大限度提高可訪問性和彈性的承諾。 FRNT 穩定幣完全由美元和短期美國國債支持，並強制規定 2% 的超額抵押以增加穩定性。

Wyoming's initiative highlights the growing interest in stablecoins among traditional financial institutions. Several Wall Street banks are developing a G7-backed stablecoin to challenge the dominance of Tether and Circle. As the stablecoin market continues to grow, regulatory clarity and innovative solutions like Wyoming's FRNT will play a crucial role.

懷俄明州的舉措凸顯了傳統金融機構對穩定幣日益增長的興趣。幾家華爾街銀行正在開發一種由 G7 支持的穩定幣，以挑戰 Tether 和 Circle 的主導地位。隨著穩定幣市場的持續增長，監管清晰度和懷俄明州 FRNT 等創新解決方案將發揮至關重要的作用。

The Future is Bright (and Decentralized?)

未來是光明的（並且是去中心化的？）

Coinbase's efforts to integrate AI and blockchain into regulatory compliance, combined with Wyoming's foray into state-issued stablecoins, signals a significant shift in the financial landscape. While challenges remain, particularly regarding the industry's reliance on centralized infrastructure, the momentum towards innovation and decentralization is undeniable.

Coinbase 將人工智能和區塊鏈納入監管合規性的努力，加上懷俄明州進軍國家發行的穩定幣，標誌著金融格局的重大轉變。儘管挑戰依然存在，特別是在該行業對集中式基礎設施的依賴方面，但創新和去中心化的勢頭是不可否認的。

So, what does all this mean for you? Well, it means the future of finance is looking brighter, more efficient, and perhaps a little more decentralized. Buckle up, because the ride is just getting started!

那麼，這一切對你來說意味著什麼呢？嗯，這意味著金融的未來看起來更光明、更高效，或許也更加去中心化。係好安全帶，因為旅程才剛剛開始！