突破性技术解决方案使品牌能够在其生态系统中构建自定义信用卡产品，而无需将客户放置给传统银行

Coinbase（NASDAQ：COIN）是美国最大的加密货币平台，是利用该基础设施来构建Coinbase一张卡的就职伙伴

In the rapidly evolving fintech landscape, brands are continually seeking innovative ways to deepen customer engagement, enhance loyalty, and build lasting relationships. While co-branding arrangements with legacy banks have traditionally been the preferred route for launching branded credit cards, these partnerships often come with limitations, requiring brands to make significant compromises.

在快速发展的金融科技景观中，品牌正在不断寻求创新的方式来加深客户参与，提高忠诚度和建立持久的关系。传统上，与传统银行的共同安排是推出品牌信用卡的首选途径，但这些合作伙伴通常会受到限制，要求品牌进行重大妥协。

However, a new era in credit card technology has dawned with the introduction of Cardless' embedded credit card platform. This groundbreaking solution empowers brands to design and launch their own custom credit card programs within their existing ecosystems, marking a paradigm shift in the industry.

但是，随着引入无卡“嵌入式信用卡平台”的引入，信用卡技术的新时代已经意识到。这种开创性的解决方案使品牌能够在其现有生态系统中设计和启动自己的自定义信用卡程序，这标志着该行业的范式转变。

Cardless, a leading fintech innovator known for its transformative credit card technology, today announced the launch of its embedded credit card platform. This breakthrough solution is designed to help brands build their own credit card programs. Coinbase (Nasdaq: COIN), the largest U.S.-based cryptocurrency platform, is the inaugural partner utilizing this infrastructure to build the Coinbase One Card, a premium consumer credit offering for Coinbase loyalty members integrated directly into the Coinbase digital experience.

以变​​革性信用卡技术而闻名的领先的金融科技创新者Cardless今天宣布推出其嵌入式信用卡平台。该突破性解决方案旨在帮助品牌构建自己的信用卡计划。 Coinbase（NASDAQ：COIN）是美国最大的加密货币平台，是利用该基础设施来构建Coinbase One Card的首届合作伙伴，这是Coinbase忠诚度成员的高级消费者信用量，直接集成了共集成到Coinbase数字体验中。

This news follows the recent buzz surrounding the possibilities of embedded financial products, an area gaining traction among fintech startups. Cardless' model pivots away from the traditional co-branded credit card models, which often restrict brands in their deployment and branding.

该消息是在最近围绕嵌入式金融产品的可能性的嗡嗡声之后，这一领域吸引了金融科技初创公司。 “无卡”模型远离了传统的共同品牌信用卡模型，这些信用卡模型通常会限制品牌的部署和品牌。

Instead, Cardless' API-based platform, underwriting, and servicing workflows enable brands to natively build lending infrastructure directly within their app or webpage, creating delightful customer experiences and driving higher conversion. This approach stands in stark contrast to the limited integration and suboptimal user experience of co-branded card programs.

取而代之的是，无卡的基于API的平台，承保和维修工作流程使品牌能够直接在其应用程序或网页中直接建立贷款基础架构，从而创造出愉快的客户体验并推动更高的转换。这种方法与共同品牌卡程序的有限集成和次优的用户体验形成鲜明对比。

Moreover, Cardless' embedded offering enables brands to launch and manage customizable card programs with complete control over the user experience. From cardholder benefits and rewards to the overall design and branding of the card and user interface, brands retain full autonomy.

此外，无卡“嵌入式”提供使品牌能够通过完全控制用户体验来启动和管理可自定义的卡程序。从持卡人的福利和奖励到卡和用户界面的总体设计和品牌，品牌保留了完全的自主权。

With a robust suite of APIs, rapid deployment capabilities, and pre-built flows, Cardless simplifies the complexities of card issuance, compliance, customer support, and capital markets. This allows brands to focus on what matters most—optimizing their program performance and deepening customer engagement.

无牌凭借可靠的API，快速部署能力和预先构建的流量，无牌简化了发行卡，合规性，客户支持和资本市场的复杂性。这使品牌可以专注于最重要的事情 - 优化其程序性能并加深客户参与度。

By ingesting customer data to personalize rewards and loyalty features, Cardless helps brands drive stronger engagement and performance—enabling higher application volumes, improved conversion rates, and increased customer retention compared to traditional programs.

通过摄入客户数据以个性化奖励和忠诚度功能，无纸牌可帮助品牌推动更强的参与度和性能 - 与传统计划相比，增加了更高的应用程序量，提高的转换率以及客户保留率的提高。

"Until now, a brand had to become a bank or strike a complex M&A deal to build a truly differentiated credit card. Our embedded offering removes that barrier, enabling leading brands like Coinbase to build a deeply integrated custom credit card program in record time, delivering a unique loyalty value proposition for their customers," said Michael Spelfogel, President and Co-Founder of Cardless.

"Until now, a brand had to become a bank or strike a complex M&A deal to build a truly differentiated credit card. Our embedded offering removes that barrier, enabling leading brands like Coinbase to build a deeply integrated custom credit card program in record time, delivering a unique loyalty value proposition for their customers," said Michael Spelfogel, President and Co-Founder of Cardless.

Coinbase today launched the Coinbase One Card waitlist for Coinbase One subscribers, who will be able to earn up to 4% back in bitcoin on every purchase. The Card will become available in the U.S. this fall. Powered by the American Express network, the Coinbase One Card combines everyday usability with crypto-native rewards and access to American Express experiences, offers, and protections. Learn more here.

Coinbase今天为Coinbase One订户推出了Coinbase One卡候补列表，他们在每次购买时都可以在比特币中赚取高达4％的订户。该卡将在今年秋天在美国提供。 Coinbase One卡在美国快车网络的支持下，将日常的可用性与加密本地的奖励以及获得美国快速经验，优惠和保护的访问。在这里了解更多。

"Partnering with Cardless has let us build a deeply customized and secure card product that aligns with our mission to increase economic freedom and makes it easy for people to earn rewards with the power to grow," said Max Branzburg, Head of Consumer & Business Products at Coinbase.

Coinbase消费者和商业产品负责人Max Branzburg说：“与Cardless合作使我们建立了一种深入定制且安全的卡产品，该产品与我们的使命相吻合，以增加经济自由，使人们可以轻松地随着增长能力而获得奖励。”

About Cardless

关于无卡

Cardless partners with brands to design and manage innovative co-branded credit card programs. The company's seamless digital experience and powerful technology enable personalized rewards and enhanced customer benefits. The Coinbase One Card will be issued by First Electronic Bank. Terms and conditions will apply for the Coinbase One Card and the rewards program. American Express is a registered trademark of American Express and is used by the issuer pursuant to a license. For more information, please visit cardless.com.

与品牌的无人伙伴合作伙伴设计和管理创新的共同品牌信用卡计划。该公司的无缝数字体验和强大的技术可实现个性化的奖励并增强客户益处。 Coinbase一张卡将由第一电子银行发行。条款和条件将适用于Coinbase一张卡和奖励计划。 American Express是American Express的注册商标，由发行人根据许可使用。有关更多信息，请访问cardless.com。

About Coinbase

关于共同案件

Crypto creates economic freedom by ensuring that people can participate fairly in the economy, and Coinbase (NASDAQ: COIN) is on a mission to increase economic freedom for more than 1 billion people. We’re updating the century-old financial system by providing a trusted platform that makes it easy for people and institutions to engage with crypto assets, including trading, staking, safekeeping, spending, and fast, free global transfers. We also provide critical infrastructure for onchain activity and support builders who share our vision that onchain is the new online. And together with the crypto community, we advocate for responsible rules to make the benefits of crypto available around the world.

Crypto通过确保人们可以公平参与经济来创造经济自由，而Coinbase（NASDAQ：COIN）的使命是提高超过10亿人口的经济自由。我们通过提供一个值得信赖的平台来更新百年历史的金融体系，该平台使人们和机构很容易与加密资产互动，包括交易，积分，保管，支出，支出以及快速，免费的全球转移。我们还为OnChain活动提供关键的基础架构，并为建筑商提供支持，他们分享了我们的愿景，即OnChain是新的在线网上。我们与加密货币社区一起提倡负责任的规则，以使世界各地的加密货币受益。