defi，tradfi，融合：在新咆哮的二十年代彌合差距

在基礎設施的改進和行業合作的推動下，Defi和Tradfi之間的界限是模糊的。探索關鍵趨勢和見解以塑造這種融合。

Yo, crypto fam! The convergence of Decentralized Finance (DeFi) and Traditional Finance (TradFi) is no longer a pipe dream; it's happening, and it's happening now. Forget those artificial boundaries—we're talking about a financial revolution, baby!

喲，加密貨幣。分散財務（DEFI）和傳統金融（Tradfi）的融合不再是一個夢想。它正在發生，現在正在發生。忘記那些人工界限 - 我們正在談論一場金融革命，寶貝！

The Great Disappearing Act: DeFi Meets TradFi

偉大的消失行為：Defi遇到Tradfi

Nelli Zaltsman, head of blockchain payments innovation at JPMorgan's Kinexys, dropped some serious knowledge at the RWA Summit Cannes 2025. According to her, the divide between DeFi and TradFi could vanish faster than you can say "blockchain." JPMorgan is actively working to merge institutional-grade payments infrastructure with onchain assets. This is a huge deal.

摩根大通Kinexys區塊鏈付款創新負責人內利·扎爾特曼（Nelli Zaltsman）在RWA峰會戛納2025年拋棄了一些認真的知識。據她說，Defi和Tradfi之間的分歧可能比您說的比“區塊鏈”更快。摩根大通正在積極努力將機構付款基礎設施與Onchain資產合併。這是一筆巨大的交易。

JPMorgan's blockchain strategy is "asset agnostic," aiming to give clients real-time access to multiple networks while minimizing friction. They've even piloted synchronized settlement technology with Chainlink, allowing JPMorgan’s blockchain-based deposits to orchestrate transactions across different blockchains. This is a very early sign of how major banks can connect traditional capital with digital asset markets.

摩根大通的區塊鏈策略是“資產不可知論”，旨在使客戶實時訪問多個網絡，同時最大程度地減少摩擦。他們甚至與ChainLink試行了同步定居技術，從而使摩根大通的基於區塊鏈的存款可以在不同區塊鏈上進行交易。這是主要銀行如何將傳統資本與數字資​​產市場聯繫起來的非常早期的跡象。

The Infrastructure is Finally Here

基礎設施終於在這裡

Remember when JPMorgan had to build its own private blockchain because the public options weren't up to snuff? Those days are over. Now, there are tools that are “kind of underpriced and in support.” It's like the internet in the early 2000s—the infrastructure is maturing, and the possibilities are exploding.

還記得摩根大通不得不建立自己的私人區塊鏈，因為公共選擇不努力嗎？那些日子結束了。現在，有一些工具“有點低價和支持”。就像2000年代初的互聯網一樣 - 基礎設施正在成熟，可能性正在爆炸。

JPMorgan Sets the Trend: Others Will Follow

摩根大通設定了趨勢：其他人將遵循

Sergey Nazarov, Chainlink Labs co-founder, pointed out that JPMorgan's participation can drive other banking institutions to take notice. When a whale like JPMorgan makes a move, everyone else tends to follow suit.

Chainlink Labs聯合創始人Sergey Nazarov指出，摩根大通的參與可以驅使其他銀行機構引起注意。當像摩根大通這樣的鯨魚採取行動時，其他所有人都傾向於效仿。

Cryptographic proofs and smart contracts are leveling the playing field. Smaller counterparties can now achieve the same reliability as top-tier banks, unlocking new opportunities in capital markets.

加密證明和智能合約正在升級競爭環境。現在，較小的對手可以實現與頂級銀行相同的可靠性，從而在資本市場中釋放新的機會。

Regulatory Tailwinds and Coinbase's Rise

監管方風和共插針的崛起

Bybit's TradFi x Crypto Report highlights how regulatory tailwinds are driving Coinbase's outperformance, despite premium valuations. The inclusion of Coinbase in the S&P 500 is a watershed moment, validating crypto's integration into mainstream finance.

Bybit的Tradfi X Crypto報告強調了儘管高級估值，但法規的後風如何推動Coinbase的表現。在標準普爾500標準普爾500中包含Coinbase是一個流域時刻，驗證了加密貨幣中的整合到主流金融中。

AI and Crypto: A Match Made in Heaven

AI和Crypto：在天堂做的一場比賽

Don't forget about the fusion of blockchain and AI. A report by OKX and Blockworks projects that this integration will fundamentally transform global industries. We're talking AI agents operating on blockchain networks, conducting transactions, and fueling economic activity. It's like Skynet, but for finance—hopefully without the whole world domination thing.

不要忘記區塊鍊和AI的融合。 OKX和Blockworks的一份報告預測，這種整合將從根本上改變全球行業。我們正在談論在區塊鍊網絡上運作的AI代理商，進行交易並加劇了經濟活動。它就像天網一樣，但對於金融而言 - 希望沒有整個世界統治的事情。

My Take: The Future is Now

我的看法：未來現在是

Honestly, the convergence of DeFi and TradFi is inevitable. Improved infrastructure, regulatory clarity, and the entry of major players like JPMorgan are accelerating the process. The emergence of AI within the blockchain space is also making it more scalable and accessible to both institutions and individuals. But, as regulations evolve, we must remain compliant and transparent to protect users and their assets, so that it could allow further innovations and progress within the space.

老實說，defi和tradfi的融合是不可避免的。改進的基礎設施，法規清晰度以及像摩根大通這樣的主要參與者的進入正在加速這一過程。 AI在區塊鏈空間內的出現也使機構和個人都可以擴展和訪問。但是，隨著法規的發展，我們必須保持合規和透明，以保護用戶及其資產，以便可以在空間內進行進一步的創新和進步。

We are moving towards a future where finance is more open, transparent, and efficient.

我們正在朝著財務更加開放，透明和高效的未來發展。

Wrapping Up

總結

So, buckle up, folks! The ride's just getting started. The convergence of DeFi and TradFi is not just a trend; it's a fundamental shift in how the world does finance. Stay informed, stay curious, and get ready to ride the wave into the future. Peace out!

所以，搭扣，伙計們！這次旅程才剛剛開始。 defi和tradfi的融合不僅是一種趨勢。這是世界如何獲得資金的根本轉變。保持告密性，保持好奇，並準備好將浪潮帶入未來。和平！