Coinbase、人工智能和区块链：一次一个区块实现金融现代化

Coinbase 正在倡导人工智能和区块链的整合，以彻底改变监管合规性和金融服务。未来看起来是光明的！

The intersection of Coinbase, AI, and blockchain is creating waves of innovation across the financial landscape. Let's dive into the latest trends and insights shaping this dynamic space.

Coinbase、人工智能和区块链的交叉正在整个金融领域掀起创新浪潮。让我们深入了解塑造这个动态空间的最新趋势和见解。

Coinbase Leads the Charge for AI-Powered Compliance

Coinbase 在人工智能驱动的合规性方面处于领先地位

Coinbase is at the forefront, advocating for modern solutions to combat financial crime. Their recent proposal to the U.S. Treasury highlights the need for innovative approaches, particularly leveraging AI, to detect illicit activity in digital assets. As Coinbase's Chief Legal Officer, Paul Grewal, emphasized, fighting modern financial crime requires equally modern solutions.

Coinbase 走在最前沿，倡导现代解决方案来打击金融犯罪。他们最近向美国财政部提出的提案强调需要采用创新方法，特别是利用人工智能来检测数字资产的非法活动。正如 Coinbase 首席法务官 Paul Grewal 所强调的那样，打击现代金融犯罪需要同样现代的解决方案。

One of the key recommendations is the establishment of regulatory safe harbors under the Bank Secrecy Act (BSA) for firms responsibly deploying AI. This move could unlock the full potential of AI in reducing false positives, processing transactions in real-time, and freeing up compliance teams to focus on higher-risk activities. The uncertainty surrounding AI use has been a significant barrier for U.S. firms, and clear guidance from the Treasury is crucial.

其中一项关键建议是根据《银行保密法》（BSA）为负责任地部署人工智能的公司建立监管安全港。此举可以充分发挥人工智能在减少误报、实时处理交易以及让合规团队专注于高风险活动方面的全部潜力。人工智能使用的不确定性一直是美国企业面临的重大障碍，财政部的明确指导至关重要。

Blockchain Solutions for Identity and Efficiency

用于身份和效率的区块链解决方案

Beyond AI, Coinbase is also pushing for updates to the BSA’s customer identification rules. The company proposes accepting decentralized identification and zero-knowledge proofs as valid verification methods. This would not only reduce identity theft risks but also enable the secure reuse of verified identities across institutions. Imagine a world where you only need to verify your identity once, and it's securely recognized across multiple platforms – that's the vision.

除了人工智能之外，Coinbase 还在推动 BSA 客户识别规则的更新。该公司建议接受去中心化身份识别和零知识证明作为有效的验证方法。这不仅可以降低身份盗窃风险，还可以跨机构安全地重复使用经过验证的身份。想象一个世界，您只需验证一次身份，并且可以跨多个平台安全地识别 – 这就是愿景。

On the blockchain side, Coinbase recommends using Know-Your-Transaction screening and blockchain analytics clustering. These tools offer more accurate and efficient monitoring compared to traditional methods. Regulatory guidance recognizing these methods could significantly improve data protection and compliance outcomes.

在区块链方面，Coinbase 建议使用“了解您的交易”筛选和区块链分析集群。与传统方法相比，这些工具提供更准确、更高效的监控。认可这些方法的监管指南可以显着改善数据保护和合规结果。

The Bigger Picture: Crypto's Reliance on Centralized Services

大局观：加密货币对中心化服务的依赖

While Coinbase is innovating on the regulatory and technological fronts, recent events have highlighted a critical challenge for the crypto industry: its dependence on centralized cloud services. An Amazon Web Services (AWS) outage on October 20, 2025, knocked out several major services, including Coinbase, Base, and Robinhood, exposing the fragility of relying on single, centralized providers.

虽然 Coinbase 在监管和技术方面进行创新，但最近发生的事件凸显了加密行业面临的一个关键挑战：其对中心化云服务的依赖。 2025 年 10 月 20 日，亚马逊网络服务 (AWS) 发生故障，导致包括 Coinbase、Base 和 Robinhood 在内的多项主要服务瘫痪，暴露了依赖单一中心化提供商的脆弱性。

This isn't an isolated incident. Similar outages have disrupted major crypto exchanges in the past. Experts warn that despite the rhetoric of decentralization, the ecosystem remains heavily reliant on centralized cloud providers. Decentralized solutions are essential to mitigate the risk of single points of failure, but the DePIN sector is still in its early stages. Until decentralized infrastructure becomes standard, users will continue to feel the effects of a tightly interconnected web2 world.

这不是一个孤立的事件。过去，类似的中断曾扰乱过主要的加密货币交易所。专家警告说，尽管有去中心化的说法，但生态系统仍然严重依赖中心化的云提供商。去中心化解决方案对于降低单点故障风险至关重要，但 DePIN 领域仍处于早期阶段。在去中心化基础设施成为标准之前，用户将继续感受到紧密互联的 Web2 世界的影响。

Wyoming's Bold Move: A State-Issued Stablecoin

怀俄明州的大胆举措：州发行的稳定币

In other exciting news, Wyoming has been actively testing its FRNT stablecoin across seven major blockchains. This multi-chain deployment showcases Wyoming's commitment to maximizing accessibility and resilience. The FRNT stablecoin is fully backed by U.S. dollars and short-duration U.S. Treasuries, with a mandated 2% overcollateralization for added stability.

其他令人兴奋的消息是，怀俄明州一直在七个主要区块链上积极测试其 FRNT 稳定币。这种多链部署展示了怀俄明州对最大限度提高可访问性和弹性的承诺。 FRNT 稳定币完全由美元和短期美国国债支持，并强制规定 2% 的超额抵押以增加稳定性。

Wyoming's initiative highlights the growing interest in stablecoins among traditional financial institutions. Several Wall Street banks are developing a G7-backed stablecoin to challenge the dominance of Tether and Circle. As the stablecoin market continues to grow, regulatory clarity and innovative solutions like Wyoming's FRNT will play a crucial role.

怀俄明州的举措凸显了传统金融机构对稳定币日益增长的兴趣。几家华尔街银行正在开发一种由 G7 支持的稳定币，以挑战 Tether 和 Circle 的主导地位。随着稳定币市场的持续增长，监管清晰度和怀俄明州 FRNT 等创新解决方案将发挥至关重要的作用。

The Future is Bright (and Decentralized?)

未来是光明的（并且是去中心化的？）

Coinbase's efforts to integrate AI and blockchain into regulatory compliance, combined with Wyoming's foray into state-issued stablecoins, signals a significant shift in the financial landscape. While challenges remain, particularly regarding the industry's reliance on centralized infrastructure, the momentum towards innovation and decentralization is undeniable.

Coinbase 将人工智能和区块链纳入监管合规性的努力，加上怀俄明州进军国家发行的稳定币，标志着金融格局的重大转变。尽管挑战依然存在，特别是在该行业对集中式基础设施的依赖方面，但创新和去中心化的势头是不可否认的。

So, what does all this mean for you? Well, it means the future of finance is looking brighter, more efficient, and perhaps a little more decentralized. Buckle up, because the ride is just getting started!

那么，这一切对你来说意味着什么呢？嗯，这意味着金融的未来看起来更光明、更高效，或许也更加去中心化。系好安全带，因为旅程才刚刚开始！