披風，亞洲和OnChain Neobanks：革命性的金融？

Mantle的UR旨在彌合亞洲的Defi和傳統財務，提供具有菲亞特集成和區塊鏈本地特徵的加密新庫蘭人體驗。

Mantle, Asia, and Onchain Neobanks: Revolutionizing Finance?

披風，亞洲和OnChain Neobanks：革命性的金融？

The financial landscape is evolving, and Mantle is betting big on Asia with its innovative “onchain neobank,” UR. It aims to merge the convenience of traditional banking with the power of decentralized finance (DeFi). Will this be the future of finance?

金融景觀正在發展，而Mantle則以創新的“ OnChain Neobank”在亞洲賭注。它的目的是將傳統銀行業務的便利性與分散金融（DEFI）的力量合併。這是金融的未來嗎？

What is UR?

你是什​​​​麼？

UR, pronounced “You Are,” is Mantle's vision of a crypto neobank, designed to offer a seamless experience across both fiat and crypto financial domains. Tim Chen, global head of strategy at Mantle, describes it as "Revolut on the front-end and DeFi abstracted away on the back-end." It offers a bank-like experience, complete with a debit card, using Swiss multi-currency accounts and the Mantle Network, a layer 2 blockchain built on Ethereum.

烏爾（Ur）發音為“您是”，是Mantle對加密新庫銀行的願景，旨在在菲亞特和加密金融領域提供無縫的體驗。 Mantle的全球戰略負責人蒂姆·陳（Tim Chen）將其描述為“前端的叛逆者，而在後端上抽像出來”。它提供了類似銀行的體驗，並配有借記卡，使用瑞士多貨幣帳戶和地幔網絡，這是建立在以太坊的第2層區塊鏈。

Why Asia?

為什麼亞洲？

Mantle sees significant opportunity in Asia, particularly in “non-dollarized countries.” According to Chen, these countries view saving stablecoins as a welcome alternative due to their own currencies' instability. While Western users might prioritize rewards and yield, Asian users are drawn to the stability that stablecoins can offer.

Mantle看到了亞洲，特別是在“非承諾國家”的機會。根據陳的說法，這些國家認為，由於貨幣的不穩定，保存穩定的穩定劑是一種受歡迎的選擇。儘管西方用戶可以優先考慮獎勵和收益率，但亞洲用戶被穩定的穩定性吸引了。

Key Features and the Vision

關鍵特徵和視覺

UR stands out by being built natively on the blockchain, enabling deeper integration and transparency. Users can open Swiss IBAN accounts, managing both fiat and crypto assets in one place. Supported fiat currencies include EUR, CHF, USD, and RMB, backed 1:1 by tokenized deposits under a Swiss banking license.

UR通過本地建立在區塊鏈上，從而使更深的集成和透明度脫穎而出。用戶可以在一個地方開設瑞士iban帳戶，管理菲亞特和加密資產。支持的法定貨幣包括歐元，瑞士法郎，美元和元人民幣，並根據瑞士銀行許可證以令牌化存款為1：1。

Mantle’s vision extends beyond basic banking functions. By 2025, UR is expected to incorporate services like foreign exchange, fiat-to-crypto on-ramps, and lending/yield-earning tools, all operating directly on the Mantle Layer-2 blockchain. The ultimate goal is a “banking chain”—a blockchain architecture built specifically for banking operations.

Mantle的願景超出了基本的銀行功能。到2025年，UR預計將納入外匯，菲亞特到郵政在坡道上以及貸款/收益賺取工具等服務，所有這些都直接在地幔2層區塊鏈上運行。最終目標是一個“銀行鏈”，這是專門用於銀行業務的區塊鏈架構。

The Neobank Landscape

Neoband景觀

The neobank sector is booming, with platforms like Revolut and N26 gaining millions of users. While many offer limited crypto features, UR differentiates itself with its blockchain-native design. With a significant portion of neobank users already involved in crypto, UR is poised to capture a slice of this growing market.

Neobank行業正在蓬勃發展，Revolut和N26等平台吸引了數百萬用戶。儘管許多人提供有限的加密功能，但UR與區塊鏈本地設計區分開來。由於已經參與了加密貨幣的大部分新舊金es用戶，UR準備捕捉這個不斷增長的市場。

Market Trends and Insights

市場趨勢和見解

Recent market data indicates a disciplined approach to crypto investments. Bitcoin, despite geopolitical events, has shown resilience as a store of value, hovering near its all-time high. Long-term investors are holding onto their gains, and institutional demand remains strong, suggesting real capital is moving into the asset class.

最近的市場數據表明了加密投資有紀律的方法。儘管地緣政治事件，但比特幣表現出彈性作為價值存儲，徘徊在其歷史最高水平上。長期投資者正在堅持自己的收益，機構需求仍然強勁，這表明真正的資本正在進入資產類別。

While leveraged long positions are rising, creating a fragile equilibrium, the overall trend points towards a maturing market. Mantle’s UR, with its focus on real-world use cases and seamless integration, could be a catalyst for further adoption.

儘管槓桿的長位置正在上升，從而產生了脆弱的平衡，但總體趨勢指向成熟的市場。 Mantle的UR專注於現實世界用例和無縫集成，可能是進一步採用的催化劑。

Final Thoughts

最後的想法

Mantle's UR is an ambitious project that could potentially revolutionize finance in Asia. By bridging the gap between DeFi and traditional banking, it offers a compelling solution for users seeking stability and convenience. While challenges remain, the potential for growth is undeniable. So, keep an eye on Mantle and UR – they might just be the future of finance, one onchain transaction at a time! And who knows, maybe one day we'll all be getting our salaries in stablecoins. Wouldn't that be something?

Mantle的UR是一個雄心勃勃的項目，可能會徹底改變亞洲的財務狀況。通過彌合Defi和傳統銀行業務之間的差距，它為尋求穩定和便利性的用戶提供了令人信服的解決方案。儘管仍然存在挑戰，但增長的潛力是不可否認的。因此，請密切關注地幔和UR - 它們可能只是金融的未來，一次是一項巧妙的交易！誰知道，也許有一天我們都會在Stablecoins獲得薪水。那不是嗎？