Coinbase的超级应用程序：工资银行革命还是监管雷区？

Coinbase首先要使用其超级应用来付费薪资银行，但是它是改变游戏规则的人还是另一种监管头痛？

Yo, what's up, crypto fam? Coinbase is making moves, and it's got everyone talking. They're pushing hard to become the ultimate crypto hub, and their super app is at the center of it all. The goal? To replace your bank. Seriously.

哟，怎么了，加密货币？ Coinbase正在采取行动，这让每个人都在谈论。他们正在努力成为最终的加密枢纽，他们的超级应用是这一切的中心。目标？取代您的银行。严重地。

Coinbase's Super App Vision

Coinbase的超级应用愿景

Coinbase CEO Brian Armstrong is all about creating a full crypto-focused super app. Forget outdated banking systems with their ridiculous fees. Armstrong wants to offer everything – payments, credit cards, rewards – all powered by crypto. Think of it as your primary financial account, but way cooler.

Coinbase首席执行官Brian Armstrong全都致力于创建一个以加密货币为中心的超级应用程序。忘记过时的银行系统以其荒谬的费用。阿姆斯特朗（Armstrong）希望提供所有由加密货币提供动力的付款，信用卡，奖励。将其视为您的主要财务帐户，但更凉爽。

Why the Hype?

为什么炒作？

Traditional banks are slow, charging hefty fees (2-3.5% per transaction). Coinbase is stepping in with near-instant settlements and lower fees (around 1-2%). That's a major win, especially for startups watching every penny. Plus, this super app lets you pay anyone, anywhere, in whatever currency they prefer, whether it's fiat or crypto.

传统银行很慢，收取高昂的费用（每笔交易2-3.5％）。 Coinbase介入了近乎固有的定居点和较低的费用（约1-2％）。这是一个重大的胜利，尤其是对于初创公司观看每一分钱。另外，这个超级应用程序可让您以任何他们喜欢的货币（无论是菲亚特还是加密货币）以任何货币的方式向任何人付款。

Crypto Payroll: The Future of Getting Paid?

加密工资单：获得报酬的未来？

The buzz around crypto payroll for SMEs is real. Getting paid in Bitcoin? Who wouldn't want that? Stablecoins like USDC are making it easier and less risky, dodging those crazy price swings. It's not just a meme anymore; it's becoming legit business.

Crypto围绕中小企业的嗡嗡声是真实的。用比特币付款？谁不想要那个？像USDC这样的Stablecoins使其更容易，风险更低，躲避了这些疯狂的价格波动。这不仅仅是模因；它已成为合法的业务。

Regulatory Roadblocks

监管障碍

Of course, it's not all sunshine and rainbows. The regulatory landscape is a mess. Coinbase is working on getting the right licenses and talking to regulators. But here's the kicker: yield-bearing stablecoins are causing tension. Groups like the Bank Policy Institute are worried about loopholes that let you earn yield through third-party DeFi integrations. They're warning that this could drain deposits from traditional banks. Coinbase, however, argues that stablecoins are just a modern alternative to outdated banking revenue models, not a threat to lending.

当然，这并不是所有的阳光和彩虹。监管景观是一团糟。 Coinbase正在努力获得正确的许可并与监管机构进行交谈。但这是踢球者：承受屈服的稳定者正在引起紧张。像银行政策研究所这样的团体担心漏洞，使您通过第三方defi集成赚取收益率。他们警告说，这可能会流失传统银行的存款。但是，Coinbase认为，稳定币只是过时的银行收入模式的现代替代品，而不是对贷款的威胁。

Shiba Inu Joins the Party?

Shiba Inu加入聚会？

Hold up, there's more! Even Shiba Inu is getting in on the action. SHIB is now on Coinbase’s ETF Watchlist, alongside Dogecoin, Solana, and XRP. Being in this group means SHIB is getting serious attention, potentially paving the way for a future ETF. A market analyst even sees massive potential for SHIB's price, thanks to its popularity on Coinbase’s perpetual markets.

举起，还有更多！甚至Shiba Inu也正在采取行动。 Shib现在与Dogecoin，Solana和XRP一起使用Coinbase的ETF监视列表。进入这个小组意味着Shib正在受到严重的关注，可能为未来的ETF铺平了道路。由于它在Coinbase的永久市场上的流行，市场分析师甚至看到Shib价格的巨大潜力。

My Two Sats

我的两个坐着

Coinbase's super app is ambitious, no doubt. It's trying to disrupt the old financial guard with crypto, making payments faster and cheaper. I'm cautiously optimistic. The regulatory hurdles are significant, and the tension around stablecoins is something to watch. But if Coinbase can navigate these challenges, they could really shake things up. The inclusion of coins like Shiba Inu on the ETF Watchlist also shows the increasing interest in alternative assets and the potential for broader adoption.

毫无疑问，Coinbase的超级应用是雄心勃勃的。它试图用加密货币破坏旧的财务警卫，使付款更快，更便宜。我谨慎乐观。监管障碍很大，稳定的稳定是值得关注的。但是，如果Coinbase可以应对这些挑战，它们确实可以振作起来。在ETF监视列表中包含诸如shiba inu之类的硬币还表明了人们对替代资产的兴趣日益增加，并且有可能获得更广泛的采用。

The Bottom Line

底线

Coinbase's super app is a bold move towards a crypto-centric financial future. Whether it'll be a smooth ride or a bumpy one remains to be seen. One thing's for sure: the financial world is changing, and Coinbase is trying to lead the charge. Keep your eyes peeled, folks; this is gonna be interesting.

Coinbase的Super App是朝着以加密货币为中心的财务未来的大胆行动。无论是平稳的旅程还是颠簸的旅程，还有待观察。可以肯定的是：金融界正在发生变化，Coinbase正在试图领导指控。伙计们，睁大眼睛；这会很有趣。