Coinbase的超級應用程序：工資銀行革命還是監管雷區？

Coinbase首先要使用其超級應用來付費薪資銀行，但是它是改變遊戲規則的人還是另一種監管頭痛？

Yo, what's up, crypto fam? Coinbase is making moves, and it's got everyone talking. They're pushing hard to become the ultimate crypto hub, and their super app is at the center of it all. The goal? To replace your bank. Seriously.

喲，怎麼了，加密貨幣？ Coinbase正在採取行動，這讓每個人都在談論。他們正在努力成為最終的加密樞紐，他們的超級應用是這一切的中心。目標？取代您的銀行。嚴重地。

Coinbase's Super App Vision

Coinbase的超級應用願景

Coinbase CEO Brian Armstrong is all about creating a full crypto-focused super app. Forget outdated banking systems with their ridiculous fees. Armstrong wants to offer everything – payments, credit cards, rewards – all powered by crypto. Think of it as your primary financial account, but way cooler.

Coinbase首席執行官Brian Armstrong全都致力於創建一個以加密貨幣為中心的超級應用程序。忘記過時的銀行系統以其荒謬的費用。阿姆斯特朗（Armstrong）希望提供所有由加密貨幣提供動力的付款，信用卡，獎勵。將其視為您的主要財務帳戶，但更涼爽。

Why the Hype?

為什麼炒作？

Traditional banks are slow, charging hefty fees (2-3.5% per transaction). Coinbase is stepping in with near-instant settlements and lower fees (around 1-2%). That's a major win, especially for startups watching every penny. Plus, this super app lets you pay anyone, anywhere, in whatever currency they prefer, whether it's fiat or crypto.

傳統銀行很慢，收取高昂的費用（每筆交易2-3.5％）。 Coinbase介入了近乎固有的定居點和較低的費用（約1-2％）。這是一個重大的勝利，尤其是對於初創公司觀看每一分錢。另外，這個超級應用程序可讓您以任何他們喜歡的貨幣（無論是菲亞特還是加密貨幣）以任何貨幣的方式向任何人付款。

Crypto Payroll: The Future of Getting Paid?

加密工資單：獲得報酬的未來？

The buzz around crypto payroll for SMEs is real. Getting paid in Bitcoin? Who wouldn't want that? Stablecoins like USDC are making it easier and less risky, dodging those crazy price swings. It's not just a meme anymore; it's becoming legit business.

Crypto圍繞中小企業的嗡嗡聲是真實的。用比特幣付款？誰不想要那個？像USDC這樣的Stablecoins使其更容易，風險更低，躲避了這些瘋狂的價格波動。這不僅僅是模因；它已成為合法的業務。

Regulatory Roadblocks

監管障礙

Of course, it's not all sunshine and rainbows. The regulatory landscape is a mess. Coinbase is working on getting the right licenses and talking to regulators. But here's the kicker: yield-bearing stablecoins are causing tension. Groups like the Bank Policy Institute are worried about loopholes that let you earn yield through third-party DeFi integrations. They're warning that this could drain deposits from traditional banks. Coinbase, however, argues that stablecoins are just a modern alternative to outdated banking revenue models, not a threat to lending.

當然，這並不是所有的陽光和彩虹。監管景觀是一團糟。 Coinbase正在努力獲得正確的許可並與監管機構進行交談。但這是踢球者：承受屈服的穩定者正在引起緊張。像銀行政策研究所這樣的團體擔心漏洞，使您通過第三方defi集成賺取收益率。他們警告說，這可能會流失傳統銀行的存款。但是，Coinbase認為，穩定幣只是過時的銀行收入模式的現代替代品，而不是對貸款的威脅。

Shiba Inu Joins the Party?

Shiba Inu加入聚會？

Hold up, there's more! Even Shiba Inu is getting in on the action. SHIB is now on Coinbase’s ETF Watchlist, alongside Dogecoin, Solana, and XRP. Being in this group means SHIB is getting serious attention, potentially paving the way for a future ETF. A market analyst even sees massive potential for SHIB's price, thanks to its popularity on Coinbase’s perpetual markets.

舉起，還有更多！甚至Shiba Inu也正在採取行動。 Shib現在與Dogecoin，Solana和XRP一起使用Coinbase的ETF監視列表。進入這個小組意味著Shib正在受到嚴重的關注，可能為未來的ETF鋪平了道路。由於它在Coinbase的永久市場上的流行，市場分析師甚至看到Shib價格的巨大潛力。

My Two Sats

我的兩個坐著

Coinbase's super app is ambitious, no doubt. It's trying to disrupt the old financial guard with crypto, making payments faster and cheaper. I'm cautiously optimistic. The regulatory hurdles are significant, and the tension around stablecoins is something to watch. But if Coinbase can navigate these challenges, they could really shake things up. The inclusion of coins like Shiba Inu on the ETF Watchlist also shows the increasing interest in alternative assets and the potential for broader adoption.

毫無疑問，Coinbase的超級應用是雄心勃勃的。它試圖用加密貨幣破壞舊的財務警衛，使付款更快，更便宜。我謹慎樂觀。監管障礙很大，穩定的穩定是值得關注的。但是，如果Coinbase可以應對這些挑戰，它們確實可以振作起來。在ETF監視列表中包含諸如shiba inu之類的硬幣還表明了人們對替代資產的興趣日益增加，並且有可能獲得更廣泛的採用。

The Bottom Line

底線

Coinbase's super app is a bold move towards a crypto-centric financial future. Whether it'll be a smooth ride or a bumpy one remains to be seen. One thing's for sure: the financial world is changing, and Coinbase is trying to lead the charge. Keep your eyes peeled, folks; this is gonna be interesting.

Coinbase的Super App是朝著以加密貨幣為中心的財務未來的大膽行動。無論是平穩的旅程還是顛簸的旅程，還有待觀察。可以肯定的是：金融界正在發生變化，Coinbase正在試圖領導指控。伙計們，睜大眼睛；這會很有趣。