Y组合者，链创业和基本合作伙伴关系：Fintech 3.0在这里，宝贝！

Y Combinator的“ Fintech 3.0”计划在基础和Coinbase Ventures的推动下，标志着链上初创公司的新时代，监管清晰度和区块链创新。

Y Combinator, On-Chain Startups, and Base Partnership: Fintech 3.0 is Here, Baby!

Y组合者，链创业和基本合作伙伴关系：Fintech 3.0在这里，宝贝！

Y Combinator's bold move to fund Web3 startups through its 'Fintech 3.0' initiative, in collaboration with Base and Coinbase Ventures, marks a pivotal moment. It's all about leveraging blockchain for a financial revolution, and the buzz is real!

Y Combinator通过其“ Fintech 3.0”计划与Base和Coinbase Ventures合作的“ Fintech 3.0”计划为Web3初创公司提供了大胆的举动，标志着关键时刻。这一切都是为了利用区块链进行金融革命，而嗡嗡声是真实的！

Y Combinator Bets Big on Blockchain Finance

Y组合赌注大于区块链金融

Y Combinator (YC) isn't just dipping its toes into the Web3 ocean; it's diving headfirst. Their 'Fintech 3.0' initiative, announced in late September, is laser-focused on companies building financial systems on blockchain infrastructure. Why now? YC cites increased regulatory clarity – shoutout to the GENIUS Act – and maturing Layer-2 (L2) infrastructure as key enablers. We're talking sub-second, sub-cent transactions, folks!

Y Combinator（YC）不仅将其脚趾浸入Web3海洋中；首先是潜水。他们的“金融科技3.0”计划于9月下旬宣布，专注于在区块链基础设施上建立金融系统的公司。为什么现在？ YC引用了调节性的清晰度增加 - 对《天才法》的喊叫 - 将第2层（L2）基础设施成熟为关键推动者。我们正在谈论次要的，亚中心的交易，伙计们！

The Three Pillars of Fintech 3.0

金融科技3.0的三个支柱

YC has identified three main areas ripe for disruption:

YC已经确定了三个主要区域的干扰：

• Stablecoins: The OG use case. YC wants to see more local currency stablecoins and crypto-native commerce platforms. Base boasts over $4 billion in stablecoin value, proving the demand is there.
• Tokenization and Trading Applications: Imagine programmable equity tokens and global access to previously illiquid assets. JPMorgan is already playing in this space with USD-backed deposit tokens on Base. Institutional adoption is a major green flag.
• Applications and AI Agents: On-chain social platforms and autonomous trading systems? Yes, please! Base's Clanker AI agent generated over $13 million in revenue in its first five months. AI and blockchain are a match made in heaven.

Regulatory Clarity: The Game Changer

监管清晰度：改变游戏规则

YC emphasizes that regulatory clarity is the crucial factor unlocking this potential. Previous uncertainty stifled innovation, but with clearer frameworks in place, founders can confidently build on-chain financial services. This isn't just about tech; it's about building trust and legitimacy.

YC强调，调节性清晰度是解锁这一潜力的关键因素。以前的不确定性扼杀了创新，但是有了更清晰的框架，创始人可以自信地建立链上金融服务。这不仅仅是技术；这是关于建立信任和合法性。

A Personal Take: This is More Than Hype

个人看法：这不仅仅是炒作

Okay, let's be real. Crypto has seen its share of hype cycles. But this feels different. The combination of regulatory tailwinds, technological advancements (L2 scaling!), and real-world adoption (JPMorgan, Amazon, Walmart) suggests that on-chain finance is here to stay. Caliber becoming the first Nasdaq-listed company to adopt a Chainlink (LINK) treasury reserve policy further highlights traditional finance's growing interest in blockchain technology.

好吧，让我们成为现实。加密已经看到了其炒作周期的份额。但这感觉与众不同。监管尾风，技术进步（L2缩放！）和现实世界采用（JPMorgan，Amazon，Walmart）的结合表明，链融资将留在这里。 Calibre成为第一家采用连锁链接（Link）财政储备政策的公司的第一家公司进一步强调了传统财务对区块链技术的日益兴趣。

Plus, consider the potential for financial inclusion. Instant, low-cost transactions can empower individuals and businesses in underserved markets. This isn't just about making rich people richer; it's about leveling the playing field.

另外，考虑财务包容的潜力。即时，低成本的交易可以增强服务不足市场的个人和企业的能力。这不仅仅是要使富人更富有。这是关于级别的竞争环境。

The Future is On-Chain (Probably)

未来是链链（可能）

Will everything move to the blockchain overnight? Of course not. But Y Combinator's backing, coupled with Base's infrastructure and Coinbase's expertise, signals a significant shift. The future of finance is looking increasingly decentralized, transparent, and accessible. And that's something to get excited about. So, buckle up, buttercups! It's gonna be a wild ride!

一切都会在一夜之间移动到区块链吗？当然不是。但是，Y Combinator的支持，再加上Base的基础架构和Coinbase的专业知识，这表明了重大转变。金融的未来看起来越来越分散，透明和可及。这是值得兴奋的事情。所以，扣紧，毛cup！这将是一个疯狂的旅程！