Neobank 概念項目：編織無縫加密金融的敘事

探索加密貨幣領域新銀行的崛起，重點關注概念項目、用戶體驗以及推動 TradFi 和 DeFi 集成的敘事。

The crypto neobank narrative is heating up, fueled by stablecoin regulation, mature crypto infrastructure, and DeFi yield advantages. These innovative platforms offer flexibility, lower costs, and user-friendly experiences, attracting users globally. Let's dive into the concept projects shaping this exciting landscape.

在穩定幣監管、成熟的加密基礎設施和 DeFi 收益率優勢的推動下，加密新銀行的故事正在升溫。這些創新平台提供靈活性、低成本和用戶友好的體驗，吸引了全球用戶。讓我們深入探討塑造這一令人興奮的景觀的概念項目。

Neobanks: Bridging TradFi and Crypto

Neobanks：連接 TradFi 和加密貨幣

Neobanks are emerging as a solution to the inefficiencies and high fees of traditional banks. Projects like Plasma One, backed by crypto heavyweights, focus on stablecoin-native financial applications. They aim to solve USD storage, payment, and transfer issues, offering high returns and cashback rewards. Galaxy One provides crypto and stock trading services, allowing users to earn APY on their investments.

新銀行的興起是為了解決傳統銀行效率低下和費用高的問題。像 Plasma One 這樣的項目得到了加密貨幣重量級人物的支持，專注於穩定幣原生的金融應用程序。他們旨在解決美元存儲、支付和轉賬問題，提供高回報和現金返還獎勵。 Galaxy One 提供加密貨幣和股票交易服務，允許用戶通過投資賺取年收益。

Key Players and Their Innovations

主要參與者及其創新

• ether.fi Cash: Integrates banking services with crypto functionality, offering a crypto-native credit card for spending without selling crypto assets.
• Tria Card: A self-custodial neobank designed for both humans and AI agents, unifying spending, trading, and earning across chains. Their BestPath AVS engine optimizes transactions, ensuring seamless and fee-free usage.
• MetaMask Card: Allows users to spend crypto directly from their MetaMask wallet, offering cashback rewards.
• Bunq: Partners with Kraken to provide crypto trading services within its banking app, expanding to the European Economic Area, the UK, and the US.
• UR Neobank: Offers a one-stop solution for digital asset and fiat currency management, supporting stablecoins and multiple fiat currencies.
• Karma Pay: Aims to make cryptocurrencies and stablecoins everyday payment tools, bridging traditional finance and DeFi.
• Gnosis Pay: Provides an on-chain self-custodial checking account, allowing users to use crypto assets directly for real-world payments.
• Sanafi Onchain: Focuses on ethically driven on-chain banking services, ensuring funds are used at verified ethical merchants.
• VPay: An AI-driven Web3 omnibank integrating digital asset functionality with real-world consumption.
• Avici: A decentralized internet banking platform built on Solana, enabling users to manage their funds on-chain.

The Rise of AI and Programmable Money

人工智能和可編程貨幣的興起

Tria stands out with its focus on AI agents, highlighting the growing importance of programmable payments infrastructure. By 2030, AI agents are projected to execute a significant portion of global digital payments. This neobank is designed for both humans and AI, making money programmable and enabling native on-chain transactions.

Tria 因其專注於人工智能代理而脫穎而出，凸顯了可編程支付基礎設施日益增長的重要性。到 2030 年，人工智能代理預計將執行全球數字支付的很大一部分。這個新銀行是為人類和人工智能設計的，使貨幣可編程並支持本地鏈上交易。

Community and Tokenomics

社區和代幣經濟學

Projects like Karma emphasize token economics designed around real economic activities, using transaction fees to repurchase tokens, reward the community, and support charitable donations. This approach aims to create sustainable financial ecosystems.

Karma 等項目強調圍繞真實經濟活動設計的代幣經濟學，利用交易費用回購代幣、獎勵社區並支持慈善捐贈。這種方法旨在創建可持續的金融生態系統。

Final Thoughts

最後的想法

The neobank space is rapidly evolving, offering innovative solutions to bridge the gap between traditional finance and the crypto world. With a focus on user experience, seamless transactions, and AI integration, these projects are paving the way for a future where crypto finance is accessible and user-friendly for everyone. Who knows, maybe one day we'll all be using crypto neobanks to pay for our morning coffee!

新銀行領域正在迅速發展，提供創新的解決方案來彌合傳統金融與加密世界之間的差距。這些項目專注於用戶體驗、無縫交易和人工智能集成，為每個人都可以訪問和用戶友好的加密金融未來鋪平道路。誰知道呢，也許有一天我們都會使用加密貨幣新銀行來支付我們早上的咖啡費用！