MetaMask 與萬事達卡合作在英國和歐盟推出自助託管借記卡試點計劃

受歡迎的去中心化金融（DeFi）錢包 MetaMask 與萬事達卡和數位支付公司 Baanx 合作，為英國和歐盟的部分用戶推出自助託管借記卡試點計劃，併計劃在其他地區推出該產品時間。

Popular decentralized finance (DeFi) wallet MetaMask has joined forces with Mastercard and digital payments company Baanx to launch a pilot program for a self-custody debit card, available to select users in the United Kingdom and the European Union. The product is set to expand to other regions over time.

流行的去中心化金融（DeFi）錢包 MetaMask 與萬事達卡和數位支付公司 Baanx 聯手推出了自助託管借記卡試點計劃，可供英國和歐盟的部分用戶使用。隨著時間的推移，該產品將擴展到其他地區。

The card enables users to maintain self-custody of their funds until the moment a transaction is processed. At that point, the customer’s digital assets are converted into fiat for payment at retail outlets, online shopping platforms and other merchants.

該卡使用戶能夠自行保管自己的資金，直到處理交易為止。屆時，客戶的數位資產將轉換為法幣，用於在零售店、線上購物平台和其他商家進行支付。

How it all works

這一切是如何運作的

In a statement to Cointelegraph, Lorenzo Santos, senior product manager at Consensys, explained that users need to hold their crypto on the Linea network and use Linea to set spending limits on the card.

Consensys 高級產品經理 Lorenzo Santos 在給 Cointelegraph 的聲明中解釋說，用戶需要將加密貨幣保存在 Linea 網路上，並使用 Linea 設定卡片上的支出限額。

Santos also outlined the step-by-step process for transactions. According to the Consensys executive, when a MetaMask card is swiped, an onchain transaction is created, sending tokens from the user’s wallet to the “Crypto Life” smart contract. This allows the transaction to be authorized by the point-of-sale system used by the merchant accepting the card, and the conversion from crypto to fiat is handled by this smart contract. Finally, the payment is finalized over Mastercard’s payment network.

桑托斯也概述了交易的逐步流程。根據 Consensys 高層的說法，當刷 MetaMask 卡時，就會創建一個鏈上交易，將代幣從用戶的錢包發送到「Crypto Life」智能合約。這允許交易由接受該卡的商家使用的銷售點系統授權，並且從加密貨幣到法定貨幣的轉換由該智能合約處理。最後，付款透過萬事達卡的支付網路完成。

Customers will also have the option of choosing which crypto asset will be used for payment. Moreover, users can choose where they want to store their keys.

客戶還可以選擇使用哪種加密資產進行付款。此外，用戶可以選擇他們想要儲存密鑰的位置。

Related: Addressing crypto debit card adoption challenges: Interview with Baanx

相關：解決加密借記卡採用挑戰：Baanx 訪談

Banking the unbanked

為沒有銀行帳戶的人提供銀行服務

Although the new MetaMask pilot is currently limited to European markets, initiatives like this have the potential to bring banking services to the world’s unbanked population and streamline crypto payments for individuals living in high-inflationary environments. Simon Jones, chief commercial officer of Baanx, told Cointelegraph:

儘管新的 MetaMask 試點目前僅限於歐洲市場，但此類措施有可能為世界上沒有銀行帳戶的人群帶來銀行服務，並為生活在高通膨環境中的個人簡化加密支付。 Baanx 首席商務官西蒙瓊斯 (Simon Jones) 告訴 Cointelegraph：

The head of Nigeria’s Securities and Exchange Commission, Emomotimi Agama, recently highlighted the potential for digital assets to extend banking services to the country’s 38 million unbanked adults.

尼日利亞證券交易委員會主席 Emomotimi Agama 最近強調了數位資產為該國 3,800 萬沒有銀行帳戶的成年人提供銀行服務的潛力。

According to Chainalysis, cryptocurrencies accounted for 9% of the $5.4 billion in remittances sent to Venezuela in 2023. The percentage of remittances sent to the South American nation has increased every year since 2018, except for 2020 — the year COVID-19 caused widespread discrepancies across financial reporting figures.

Chainaanalysis 的數據顯示，2023 年，加密貨幣佔委內瑞拉匯款額54 億美元的9%。了廣泛的差異跨財務報告數據。

Argentina is another example, where the population is turning to crypto assets to avoid the staggering 276% inflation rate impacting their local currency.

阿根廷是另一個例子，該國民眾正在轉向加密資產，以避免 276% 的驚人通膨率影響其當地貨幣。

Magazine: What do crypto market makers actually do? Liquidity, or manipulation

雜誌：加密貨幣做市商實際上是做什麼的？流動性或操縱