Coinbase：超級應用程序還是替代銀行？解碼阿姆斯特朗的願景

Coinbase首席執行官Brian Armstrong希望將Exchange轉換為超級應用程序。它可以用加密貨幣代替傳統銀行業務嗎？

Coinbase is aiming high, folks! CEO Brian Armstrong has his sights set on turning the crypto exchange into a full-blown financial super app, potentially shaking up the traditional banking scene.

Coinbase的目標很高，伙計們！首席執行官布萊恩·阿姆斯特朗（Brian Armstrong）將目光投向將加密貨幣交易所轉變為一個成熟的金融超級應用程序，有可能震撼傳統的銀行業務。

Coinbase's Super App Ambitions

Coinbase的超級應用野心

Armstrong isn't shy about Coinbase's goal: to become your primary financial account. Forget just trading crypto; think integrating all the services you'd expect from a bank or fintech, but powered by crypto. The idea? Faster, cheaper transactions, cutting out those annoying fees.

阿姆斯特朗對Coinbase的目標並不害羞：成為您的主要財務帳戶。忘記交易加密貨幣；思考整合您從銀行或金融科技的所有服務，但由加密貨幣提供支持。這個想法？更快，更便宜的交易，削減了這些煩人的費用。

Rethinking Financial Infrastructure

重新思考金融基礎設施

Armstrong isn't a fan of the current system where merchants get dinged with hefty credit card fees. He argues that crypto rails could slash those costs to almost zero. Coinbase's 4% Bitcoin rewards credit card is a prime example of how they're trying to offer a better deal than traditional banks.

阿姆斯特朗（Armstrong）並不是當前系統的粉絲，那裡的商人會因高昂的信用卡費用而陷入困境。他認為加密貨幣可能將這些成本削減為零。 Coinbase的4％比特幣獎勵信用卡是他們試圖與傳統銀行提供更好交易的一個典型例子。

Regulatory Winds Are Shifting

監管風正在轉移

The regulatory landscape is looking brighter for crypto, according to Armstrong. With legislation like the GENIUS Act and ongoing Senate discussions, there's a growing bipartisan understanding. He sees this momentum as a "freight train" paving the way for Coinbase's expansion. Sure, there's still some pushback from traditional banks, but Coinbase is already partnering with big names like JPMorgan and PNC.

根據阿姆斯特朗的說法，監管景觀看起來更明亮。隨著《天才法案》和參議院正在進行的討論等立法，兩黨的理解越來越多。他認為這一勢頭是“貨運火車”，為Coinbase的擴張鋪平了道路。當然，傳統銀行仍然有一些回調，但是Coinbase已經與JPMorgan和PNC等知名人士合作。

Bitcoin's Million-Dollar Future?

比特幣的百萬美元未來？

Armstrong's bullish on Bitcoin's long-term potential. He thinks there's a good chance it could hit $1 million by 2030, driven by regulatory clarity, the possibility of a U.S. strategic Bitcoin reserve, and continued ETF inflows. With Coinbase holding custody of 80% of Bitcoin ETF assets, they're well-positioned to benefit from institutional adoption.

阿姆斯特朗對比特幣長期潛力的看漲。他認為，由於監管清晰度，美國戰略比特幣儲備的可能性以及持續的ETF流入，到2030年，它很有可能在2030年達到100萬美元。由於Coinbase持有80％的比特幣ETF資產監護權，它們的位置良好，可以從機構採用中受益。

Competition and the Road Ahead

競爭和前進的道路

Armstrong welcomes competition from other exchanges. He believes it benefits everyone. Coinbase’s edge? Being an early player with established customer trust. They're also integrating things like decentralized lending protocols (like Morpho) to give users more options.

阿姆斯特朗歡迎其他交流的競爭。他認為這使每個人都受益。 Coinbase的邊緣？成為具有既定客戶信任的早期參與者。他們還整合了分散的貸款協議（例如morpho）之類的東西，以為用戶提供更多選擇。

The Super App Race is On

超級應用競賽正在

Coinbase isn't alone in this super app quest. Companies like Robinhood are also vying to become your go-to financial hub. Whether it’s Coinbase or another platform, the race to build a comprehensive crypto-based financial ecosystem is heating up.

在這個超級應用程序任務中，Coinbase並不孤單。像Robinhood這樣的公司也正在爭奪您的首選中心。無論是Coinbase還是另一個平台，建立一個基於加密的全面金融生態系統的競賽正在加熱。

Final Thoughts

最後的想法

So, will Coinbase replace your bank? Maybe not entirely, but they're definitely shaking things up. It's an exciting time to watch how crypto is transforming the financial world. One thing's for sure: strap in, because the future of finance is looking a lot more crypto-centric!

那麼，Coinbase會取代您的銀行嗎？也許不是完全，但是他們肯定會在搖晃。這是觀看加密貨幣如何改變財務世界的激動人心的時刻。可以肯定的是：綁紮，因為金融的未來看起來更加以加密為中心！