Defi平台比傳統銀行具有主要的成本優勢：1英寸的Anton Bukov

分散式交易所（DEX）1英寸的聯合創始人安東·布科夫（Anton Bukov）表示，分散的金融（DEFI）平台比傳統銀行具有主要的成本優勢。

Decentralized finance (DeFi) platforms have a major cost advantage over traditional banks when it comes to onboarding new users, according to Anton Bukov, co-founder of decentralized exchange (DEX) 1inch.

分散式交易所（DEX）1英寸的聯合創始人安東·布科夫（Anton Bukov）表示，分散的金融（DEFI）平台比傳統銀行具有主要的成本優勢。

Speaking at a panel during Dutch Blockchain Week on May 22 in Amsterdam, Bukov said traditional banks spend between $100 and $300 per user to verify documents and set up accounts. Online banks, he said, spend about $20 to $30. In contrast, DeFi requires almost nothing beyond a smartphone and internet access.

布科夫在5月22日在阿姆斯特丹的荷蘭區塊鏈週期間在小組討論時說，傳統銀行在每位用戶的100到300美元之間的花費在100到300美元之間，以驗證文檔和設置帳戶。他說，在線銀行花費約20到30美元。相比之下，除了智能手機和互聯網訪問之外，DEFI幾乎不需要。

“Onboarding to DeFi literally costs zero,” Bukov said. “You don’t need brick-and-mortar infrastructure or lengthy verification processes. Just connect and transact.”

布科夫說：“登上Defi實際上要花費零。” “您不需要實體基礎架構或冗長的驗證過程。只需連接和交易即可。”

Bukov said that this gives DeFi an edge over traditional financial institutions in reaching the 1.4 billion unbanked people who remain excluded from traditional finance due to high onboarding expenses.

布科夫說，這使Defi比傳統的金融機構達到了14億未銀行的人，這些人因高昂的入職費用而被排除在傳統金融上。

Reaching 1.4 billion unbanked users

達到14億無銀行的用戶

“That’s why we have 1.4 billion people on the planet who are unbanked. No one’s going to invest those hundreds or tens of dollars into them because they will never return to them,” Bukov added.

布科夫補充說：“這就是為什麼我們在地球上有14億人沒有賬戶的原因。

Unlike traditional finance, which has high barriers to entry, Bukov said DeFi allows the unbanked to become a part of the global economy and engage in real-life transactions using stablecoins like Tether’s USDt (USDT).

與傳統金融區有很高的進入障礙，布科夫說，Defi允許未經銀行銀行業務成為全球經濟的一部分，並使用Tether's USDT（USDT）等Stablecoins進行現實交易。

With lower barriers to entry, DeFi becomes a tool for financial inclusion. Bukov said DeFi will continue to reach users who never had access to traditional banking as internet access expands globally.

由於進入障礙較低，DEFI成為金融包容性的工具。布科夫說，隨著互聯網訪問在全球範圍內擴展，DEFI將繼續吸引那些從未獲得傳統銀行業務的用戶。

“You can just get a phone, access to the internet, and you can exchange your chicken for USDT,” Bukov said, highlighting how easily DeFi enables participation in the global economy.

布科夫說：“您只需獲得電話，可以訪問互聯網，就可以將雞肉換成USDT。”

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DeFi allows access to global liquidity

DEFI允許訪問全球流動性

Apart from financial inclusion, Bukov said that the real value of crypto lies in how it gives access to global liquidity. The 1inch co-founder said crypto is evolving into an independent economic zone, where hundreds of billions flow through decentralized protocols.

除了金融包容性外，布科夫說，加密貨幣的真正價值在於它如何獲得全球流動性。 1英寸的聯合創始人說，加密貨幣正在發展成為一個獨立的經濟區，數百十億通過分散的協議。

“Crypto isn’t just about adopting stablecoins or building national digital currencies,” Bukov said. “It’s a growing global liquidity hub.”

布科夫說：“加密不僅僅是採用穩定幣或建造國家數字貨幣。” “這是一個日益增長的全球流動性中心。”

He said that this liquidity is dynamic and allows financial experimentation, yield strategies and cross-border capital movement.

他說，這種流動性是動態的，可以進行財務實驗，產生策略和跨境資本運動。

Bukov added that countries that align their regulations to enable easier access to this global liquidity can tap into economic opportunities and cooperation. “The more countries trade with each other, the more they succeed. Crypto works the same way,” he said.

布科夫補充說，與法規保持一致以使更容易獲得這種全球流動性的國家可以利用經濟機會和合作。他說：“彼此交易的國家越多，他們成功的次數就越多。加密貨幣的工作方式相同。”

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