通過安全，監管和創新的鏡頭探索Visma，租賃自行車，瑞士和分散的金融（DEFI）的交集。

Visma, Lease a Bike, and Switzerland: A DeFi Perspective

Visma，租賃自行車和瑞士：一種偏見的觀點

The world of finance is evolving, and Switzerland is positioning itself as a hub for innovation. While Visma and Lease a Bike might not seem directly related to DeFi, understanding Switzerland's approach to this space offers valuable insights. This article explores the intersection of these seemingly disparate elements, focusing on security, regulation, and the future of finance.

金融世界正在發展，瑞士將自己定位為創新的樞紐。儘管Visma和租賃的自行車似乎與Defi似乎沒有直接關係，但了解瑞士對此空間的方法提供了寶貴的見解。本文探討了這些看似不同的要素的交集，重點是安全，法規和財務的未來。

DeFi's Swiss Advantage: A Case Study with 1inch

Defi的瑞士優勢：1英寸的案例研究

At a recent MetaForum event in Lugano, Switzerland, the discussion around decentralized finance (DeFi) took center stage. One key takeaway was the importance of jurisdiction in navigating the complex regulatory landscape. The story of 1inch, a decentralized exchange aggregator, illustrates this point perfectly.

在瑞士盧加諾（Lugano）最近舉行的元福魯（Metaforum）活動中，圍繞分散融資（DEFI）的討論成為中心舞台。一個關鍵要點是管轄權在瀏覽複雜監管景觀方面的重要性。一個分散的交換聚合器1英寸的故事完美地說明了這一點。

In 2020, the founders of 1inch considered seeking a license in Germany. However, they were advised to instead operate under Switzerland's SRO (Self-Regulatory Organization) framework or consider Dubai, both jurisdictions known for their openness to experimentation. This strategic decision allowed 1inch to operate legally while maintaining the core principles of DeFi: decentralization, transparency, and operational freedom.

2020年，1英寸的創始人考慮在德國尋求許可證。但是，建議他們根據瑞士的SRO（自我調節組織）框架進行操作，或考慮迪拜，這兩個司法管轄區都以開放的實驗性而聞名。這一戰略決策使1英寸可以合法運作，同時保持Defi的核心原則：權力下放，透明度和運營自由。

MiCA and the Scope of DeFi Regulation

雲母和Defi法規的範圍

The European MiCA (Markets in Crypto-Assets) regulation is a significant development for centralized crypto services. However, it doesn't apply to pure DeFi protocols like 1inch, which are governed by DAOs (Decentralized Autonomous Organizations). These protocols don't offer custodial or brokerage services in the traditional sense, placing them outside MiCA's direct purview.

歐洲雲母（加密資產市場中的市場）法規是集中式加密服務的重大發展。但是，它不適用於由Daos（分散自治組織）管轄的1英寸純正協議。這些協議在傳統意義上不提供保管或經紀服務，將其置於Mica的直接範圍之外。

This exclusion presents both opportunities and challenges. While it grants greater freedom, it also means a lack of formal legal recognition. However, companies like 1inch aren't operating in a regulatory vacuum. They're proactively addressing the inherent risks of DeFi through advanced security measures.

這種排除既提出了機遇和挑戰。儘管它具有更大的自由，但也意味著缺乏正式的法律認可。但是，像1英寸這樣的公司沒有在監管真空中運營。他們通過高級安全措施主動地解決了Defi的固有風險。

Security in a Decentralized World

分散世界的安全

The risks associated with DeFi, such as hacks and vulnerabilities in cross-chain bridges, are real. To mitigate these risks, 1inch has implemented a multi-layered security model. This includes transaction simulation, geofencing, VPN detection, device fingerprinting, automatic wallet screening, bot detection, and operation surveillance. They also actively collaborate with industry partners to identify and block wallets linked to illicit activities, fostering trust even with traditional banking institutions.

與Defi相關的風險，例如跨鏈橋樑中的黑客和漏洞，是真實的。為了減輕這些風險，1英寸實現了多層安全模型。這包括交易模擬，地理碼，VPN檢測，設備指紋識別，自動錢包篩選，機器人檢測和操作監視。他們還與行業合作夥伴積極合作，以識別和阻止與非法活動相關的錢包，即使傳統的銀行機構也促進了信任。

Compliance Without KYC: A New Paradigm?

沒有KYC的合規性：一個新的範式？

One of the most intriguing aspects of this approach is the ability to ensure compliance without relying on traditional Know Your Customer (KYC) procedures. Through innovative technical tools and procedures, market makers can achieve a level of trust comparable to that of CeFi processes while respecting user privacy. This scalable and effective approach is paving the way for a more inclusive and secure DeFi ecosystem.

這種方法最有趣的方面之一是能夠確保不依賴傳統客戶（KYC）程序的合規性的能力。通過創新的技術工具和程序，做市商可以在尊重用戶隱私的同時，達到與CEFI流程相當的信任水平。這種可擴展有效的方法為更具包容性和安全性的生態系統鋪平了道路。

Switzerland's Role in Shaping the Future of Finance

瑞士在塑造金融未來中的作用

Switzerland's proactive stance on DeFi, coupled with the innovative approaches of companies like 1inch, highlights the country's potential as a leading hub for decentralized finance. While Visma and Lease a Bike may operate in different sectors, they all share a connection to Switzerland's forward-thinking environment.

瑞士對DeFi的積極主動立場，再加上1英寸等公司的創新方法，強調了該國作為分散融資的領先樞紐的潛力。儘管Visma和租賃自行車可能在不同的部門運行，但它們都與瑞士的前瞻性環境有聯繫。

Ultimately, transparency, security, and collaboration are key to unlocking DeFi's full potential. Even though protocols like 1inch aren't subject to traditional regulation, they're demonstrating that self-regulation, advanced security practices, and openness to collaboration are essential for the sector's maturity. The revolution isn't just technical; it's also cultural, and Switzerland is playing a crucial role in shaping this new landscape.

最終，透明度，安全性和協作是解鎖Defi的全部潛力的關鍵。儘管像1英寸這樣的協議不受傳統法規的約束，但他們表明自我調節，高級安全實踐和對協作的開放性對於該行業的成熟度至關重要。革命不僅僅是技術性的；它也是文化的，瑞士在塑造這一新景觀方面發揮了至關重要的作用。

So, next time you're admiring the Swiss Alps or considering a Visma-powered solution, remember that Switzerland is also quietly revolutionizing the world of finance. Who knew?

因此，下次您欣賞瑞士阿爾卑斯山或考慮採用維斯卡驅動的解決方案時，請記住，瑞士也在悄悄地徹底改變財務世界。誰知道？