Tradfi符合OnChain：重新構想的銀行體驗

探索傳統金融是如何擁抱OnChain解決方案，以創造出更好的銀行體驗，這是由Defi Innovations和現實世界中的令牌化驅動的。

TradFi's getting a serious onchain glow-up! Driven by DeFi innovations and tokenized assets, banking's never been so exciting.

Tradfi變得嚴肅地發光了！在Defi Innovations和Sidkenized資產的驅動下，Banking從未如此令人興奮。

The TradFi Wake-Up Call: Horrible Banking Experiences

Tradfi喚醒電話：可怕的銀行經驗

Let's be real, traditional banking can be a drag. Aave Labs founder Stani Kulechov hit the nail on the head at EthCC 2025: people are flocking to fintech because of those clunky, outdated banking experiences. Over 60% of folks have a digital wallet of some kind, even if it's not fully onchain. This sets the stage for a massive shift, bringing digital finance to the decentralized world.

真實，傳統的銀行業可能會拖累。 Aave Labs的創始人Stani Kulechov在Ethcc 2025擊中了指甲：人們由於那些笨拙，過時的銀行業務而湧向金融科技。超過60％的人有某種數字錢包，即使它沒有完全固定。這為大規模轉變奠定了基礎，將數字融資帶給了分散的世界。

Tokenized Real-World Assets: A Multi-Trillion Dollar Party

代幣化現實世界中的資產：數百萬美元的聚會

Tokenization is the magic word. Kulechov calls it a "multi-trillion-dollar opportunity" for TradFi and crypto to finally hook up. Think tokenized real estate, government bonds, equities—all living on a transparent, programmable ledger. BlackRock's already playing ball with its Ethereum-based tokenized money market fund, and Libre Capital's tokenizing Telegram debt. It's like taking all the cool parts of the old financial system and giving them a serious upgrade.

令牌化是神奇的詞。 Kulechov稱Tradfi和Crypto最終掛鉤是“千萬美元的機會”。想想標記的房地產，政府債券，股票 - 都生活在透明的可編程分類帳中。貝萊德已經通過以太坊的代幣化貨幣市場基金和Libre Capital的標記電報債務打球。這就像採用舊金融系統的所有涼爽部分，並給他們認真升級。

DeFi Needs to Bring Its A-Game

Defi需要帶上A遊戲

DeFi has to step it up. Kulechov admits it's not exactly a household name yet, and protocols like Aave need to massively increase their user base to compete with fintech giants. The key? Solve real problems, offer clear value, and make the whole experience ten times better. Simplicity and accessibility are the name of the game. If we want TradFi to fully embrace onchain solutions, we need to offer something that's undeniably superior.

Defi必須加強它。 Kulechov承認這還不是一個家喻戶曉的名字，諸如AAVE之類的協議需要大量增加其用戶群以與金融科技巨頭競爭。鑰匙？解決真正的問題，提供明確的價值，並使整個體驗變得更好十倍。簡單性和可訪問性是遊戲的名稱。如果我們希望Tradfi完全接受OnChain Solutions，我們需要提供不可否認的優勢。

Binance Bridging the Gap

binance彌合差距

Binance CEO Richard Teng is on a mission to bridge TradFi and crypto. He emphasizes Binance's deep liquidity, secure tools, and easy onboarding process. With over 270 million users, Binance has earned trust by prioritizing security and offering competitive fees. And with fast settlements, it's meeting the speed expectations of traditional finance systems. The platform's user-friendly interface is a game-changer, especially for first-time Bitcoin investors.

Binance首席執行官Richard Teng的任務是橋樑Tradfi和Crypto。他強調了Binance的深厚流動性，安全的工具和易於入職過程。擁有超過2.7億用戶，Binance通過確定安全性並提供競爭費來贏得信任。隨著快速定居點，它可以滿足傳統金融系統的速度期望。該平台的用戶友好界面是改變遊戲規則的，尤其是對於首次比特幣投資者而言。

BTCFi Landscape: A Quiet Revolution

BTCFI景觀：一場安靜的革命

Something's brewing in the BTCFi world. The supply of $LBTC is skyrocketing, becoming a serious asset for yield-seeking Bitcoin holders. It's now moving across multiple chains, offering DeFi access to ETH-native capital. And with vaults offering competitive yields, smart money is betting on passive $BTC income. It's a silent revolution that's gaining momentum.

在BTCFI世界中釀造的東西。 $ LBTC的供應迅速飆升，成為尋求屈服比特幣持有人的嚴重資產。現在，它正在跨多個連鎖店移動，從而提供了對道德本地資本的途徑。憑藉提供競爭收益的金庫，Smart Money押注了被動$ BTC收入。這是一場無聲的革命，它正在發展勢頭。

My Hot Take

我的熱門

I reckon the future of finance is looking mighty bright. DeFi has the potential to reshape the industry, but only if it prioritizes user experience and real-world utility. The tokenization of real-world assets is a crucial step, but it's not enough on its own. We need to make DeFi as easy and accessible as possible. For example, platforms could partner with TradFi institutions to offer onchain banking services to their existing customers. This would help bridge the gap between the two worlds and drive mass adoption. If the growth of LBTC before token incentives is what adoption looks like, imagine what happens after.

我認為金融的未來看起來很明亮。 DEFI有可能重塑行業，但前提是優先考慮用戶體驗和現實世界實用程序。現實世界中資產的令牌化是一個關鍵的一步，但這本身還不夠。我們需要使Defi盡可能容易且易於訪問。例如，平台可以與Tradfi機構合作，為其現有客戶提供OnChain Banking服務。這將有助於彌合兩個世界之間的鴻溝，並推動大眾採用。如果LBTC在代幣激勵之前的增長是採用的樣子，請想像之後會發生什麼。

The Takeaway

外賣

TradFi's dipping its toes into the onchain world, and the water's looking pretty good. With better banking experiences, tokenized assets, and innovative platforms, the future of finance is shaping up to be a wild, exciting ride. Buckle up, buttercups—it's gonna be a good one!

Tradfi將其腳趾浸入OnChain世界，水看起來還不錯。憑藉更好的銀行經驗，令牌資產和創新的平台，金融的未來正在成為一種狂野，令人興奮的旅程。搭扣，毛cup，這將是一個好人！