Coinbase：超级应用程序还是替代银行？解码阿姆斯特朗的愿景

Coinbase首席执行官Brian Armstrong希望将Exchange转换为超级应用程序。它可以用加密货币代替传统银行业务吗？

Coinbase is aiming high, folks! CEO Brian Armstrong has his sights set on turning the crypto exchange into a full-blown financial super app, potentially shaking up the traditional banking scene.

Coinbase的目标很高，伙计们！首席执行官布莱恩·阿姆斯特朗（Brian Armstrong）将目光投向将加密货币交易所转变为一个成熟的金融超级应用程序，有可能震撼传统的银行业务。

Coinbase's Super App Ambitions

Coinbase的超级应用野心

Armstrong isn't shy about Coinbase's goal: to become your primary financial account. Forget just trading crypto; think integrating all the services you'd expect from a bank or fintech, but powered by crypto. The idea? Faster, cheaper transactions, cutting out those annoying fees.

阿姆斯特朗对Coinbase的目标并不害羞：成为您的主要财务帐户。忘记交易加密货币；思考整合您从银行或金融科技的所有服务，但由加密货币提供支持。这个想法？更快，更便宜的交易，削减了这些烦人的费用。

Rethinking Financial Infrastructure

重新思考金融基础设施

Armstrong isn't a fan of the current system where merchants get dinged with hefty credit card fees. He argues that crypto rails could slash those costs to almost zero. Coinbase's 4% Bitcoin rewards credit card is a prime example of how they're trying to offer a better deal than traditional banks.

阿姆斯特朗（Armstrong）并不是当前系统的粉丝，那里的商人会因高昂的信用卡费用而陷入困境。他认为加密货币可能将这些成本削减为零。 Coinbase的4％比特币奖励信用卡是他们试图与传统银行提供更好交易的一个典型例子。

Regulatory Winds Are Shifting

监管风正在转移

The regulatory landscape is looking brighter for crypto, according to Armstrong. With legislation like the GENIUS Act and ongoing Senate discussions, there's a growing bipartisan understanding. He sees this momentum as a "freight train" paving the way for Coinbase's expansion. Sure, there's still some pushback from traditional banks, but Coinbase is already partnering with big names like JPMorgan and PNC.

根据阿姆斯特朗的说法，监管景观看起来更明亮。随着《天才法案》和参议院正在进行的讨论等立法，两党的理解越来越多。他认为这一势头是“货运火车”，为Coinbase的扩张铺平了道路。当然，传统银行仍然有一些回调，但是Coinbase已经与JPMorgan和PNC等知名人士合作。

Bitcoin's Million-Dollar Future?

比特币的百万美元未来？

Armstrong's bullish on Bitcoin's long-term potential. He thinks there's a good chance it could hit $1 million by 2030, driven by regulatory clarity, the possibility of a U.S. strategic Bitcoin reserve, and continued ETF inflows. With Coinbase holding custody of 80% of Bitcoin ETF assets, they're well-positioned to benefit from institutional adoption.

阿姆斯特朗对比特币长期潜力的看涨。他认为，由于监管清晰度，美国战略比特币储备的可能性以及持续的ETF流入，到2030年，它很有可能在2030年达到100万美元。由于Coinbase持有80％的比特币ETF资产监护权，它们的位置良好，可以从机构采用中受益。

Competition and the Road Ahead

竞争和前进的道路

Armstrong welcomes competition from other exchanges. He believes it benefits everyone. Coinbase’s edge? Being an early player with established customer trust. They're also integrating things like decentralized lending protocols (like Morpho) to give users more options.

阿姆斯特朗欢迎其他交流的竞争。他认为这使每个人都受益。 Coinbase的边缘？成为具有既定客户信任的早期参与者。他们还整合了分散的贷款协议（例如morpho）之类的东西，以为用户提供更多选择。

The Super App Race is On

超级应用竞赛正在

Coinbase isn't alone in this super app quest. Companies like Robinhood are also vying to become your go-to financial hub. Whether it’s Coinbase or another platform, the race to build a comprehensive crypto-based financial ecosystem is heating up.

在这个超级应用程序任务中，Coinbase并不孤单。像Robinhood这样的公司也正在争夺您的首选中心。无论是Coinbase还是另一个平台，建立一个基于加密的全面金融生态系统的竞赛正在加热。

Final Thoughts

最后的想法

So, will Coinbase replace your bank? Maybe not entirely, but they're definitely shaking things up. It's an exciting time to watch how crypto is transforming the financial world. One thing's for sure: strap in, because the future of finance is looking a lot more crypto-centric!

那么，Coinbase会取代您的银行吗？也许不是完全，但是他们肯定会在摇晃。这是观看加密货币如何改变财务世界的激动人心的时刻。可以肯定的是：绑扎，因为金融的未来看起来更加以加密为中心！