Y組合者，鏈創業和基本合作夥伴關係：Fintech 3.0在這裡，寶貝！

Y Combinator的“ Fintech 3.0”計劃在基礎和Coinbase Ventures的推動下，標誌著鏈上初創公司的新時代，監管清晰度和區塊鏈創新。

Y Combinator, On-Chain Startups, and Base Partnership: Fintech 3.0 is Here, Baby!

Y組合者，鏈創業和基本合作夥伴關係：Fintech 3.0在這裡，寶貝！

Y Combinator's bold move to fund Web3 startups through its 'Fintech 3.0' initiative, in collaboration with Base and Coinbase Ventures, marks a pivotal moment. It's all about leveraging blockchain for a financial revolution, and the buzz is real!

Y Combinator通過其“ Fintech 3.0”計劃與Base和Coinbase Ventures合作的“ Fintech 3.0”計劃為Web3初創公司提供了大膽的舉動，標誌著關鍵時刻。這一切都是為了利用區塊鏈進行金融革命，而嗡嗡聲是真實的！

Y Combinator Bets Big on Blockchain Finance

Y組合賭注大於區塊鏈金融

Y Combinator (YC) isn't just dipping its toes into the Web3 ocean; it's diving headfirst. Their 'Fintech 3.0' initiative, announced in late September, is laser-focused on companies building financial systems on blockchain infrastructure. Why now? YC cites increased regulatory clarity – shoutout to the GENIUS Act – and maturing Layer-2 (L2) infrastructure as key enablers. We're talking sub-second, sub-cent transactions, folks!

Y Combinator（YC）不僅將其腳趾浸入Web3海洋中；首先是潛水。他們的“金融科技3.0”計劃於9月下旬宣布，專注於在區塊鏈基礎設施上建立金融系統的公司。為什麼現在？ YC引用了調節性的清晰度增加 - 對《天才法》的喊叫 - 將第2層（L2）基礎設施成熟為關鍵推動者。我們正在談論次要的，亞中心的交易，伙計們！

The Three Pillars of Fintech 3.0

金融科技3.0的三個支柱

YC has identified three main areas ripe for disruption:

YC已經確定了三個主要區域的干擾：

• Stablecoins: The OG use case. YC wants to see more local currency stablecoins and crypto-native commerce platforms. Base boasts over $4 billion in stablecoin value, proving the demand is there.
• Tokenization and Trading Applications: Imagine programmable equity tokens and global access to previously illiquid assets. JPMorgan is already playing in this space with USD-backed deposit tokens on Base. Institutional adoption is a major green flag.
• Applications and AI Agents: On-chain social platforms and autonomous trading systems? Yes, please! Base's Clanker AI agent generated over $13 million in revenue in its first five months. AI and blockchain are a match made in heaven.

Regulatory Clarity: The Game Changer

監管清晰度：改變遊戲規則

YC emphasizes that regulatory clarity is the crucial factor unlocking this potential. Previous uncertainty stifled innovation, but with clearer frameworks in place, founders can confidently build on-chain financial services. This isn't just about tech; it's about building trust and legitimacy.

YC強調，調節性清晰度是解鎖這一潛力的關鍵因素。以前的不確定性扼殺了創新，但是有了更清晰的框架，創始人可以自信地建立鏈上金融服務。這不僅僅是技術；這是關於建立信任和合法性。

A Personal Take: This is More Than Hype

個人看法：這不僅僅是炒作

Okay, let's be real. Crypto has seen its share of hype cycles. But this feels different. The combination of regulatory tailwinds, technological advancements (L2 scaling!), and real-world adoption (JPMorgan, Amazon, Walmart) suggests that on-chain finance is here to stay. Caliber becoming the first Nasdaq-listed company to adopt a Chainlink (LINK) treasury reserve policy further highlights traditional finance's growing interest in blockchain technology.

好吧，讓我們成為現實。加密已經看到了其炒作週期的份額。但這感覺與眾不同。監管尾風，技術進步（L2縮放！）和現實世界採用（JPMorgan，Amazon，Walmart）的結合表明，鏈融資將留在這裡。 Calibre成為第一家採用連鎖鏈接（Link）財政儲備政策的公司的第一家公司進一步強調了傳統財務對區塊鏈技術的日益興趣。

Plus, consider the potential for financial inclusion. Instant, low-cost transactions can empower individuals and businesses in underserved markets. This isn't just about making rich people richer; it's about leveling the playing field.

另外，考慮財務包容的潛力。即時，低成本的交易可以增強服務不足市場的個人和企業的能力。這不僅僅是要使富人更富有。這是關於級別的競爭環境。

The Future is On-Chain (Probably)

未來是鍊鍊（可能）

Will everything move to the blockchain overnight? Of course not. But Y Combinator's backing, coupled with Base's infrastructure and Coinbase's expertise, signals a significant shift. The future of finance is looking increasingly decentralized, transparent, and accessible. And that's something to get excited about. So, buckle up, buttercups! It's gonna be a wild ride!

一切都會在一夜之間移動到區塊鏈嗎？當然不是。但是，Y Combinator的支持，再加上Base的基礎架構和Coinbase的專業知識，這表明了重大轉變。金融的未來看起來越來越分散，透明和可及。這是值得興奮的事情。所以，扣緊，毛cup！這將是一個瘋狂的旅程！