Defi平台比传统银行具有主要的成本优势：1英寸的Anton Bukov

分散式交易所（DEX）1英寸的联合创始人安东·布科夫（Anton Bukov）表示，分散的金融（DEFI）平台比传统银行具有主要的成本优势。

Decentralized finance (DeFi) platforms have a major cost advantage over traditional banks when it comes to onboarding new users, according to Anton Bukov, co-founder of decentralized exchange (DEX) 1inch.

分散式交易所（DEX）1英寸的联合创始人安东·布科夫（Anton Bukov）表示，分散的金融（DEFI）平台比传统银行具有主要的成本优势。

Speaking at a panel during Dutch Blockchain Week on May 22 in Amsterdam, Bukov said traditional banks spend between $100 and $300 per user to verify documents and set up accounts. Online banks, he said, spend about $20 to $30. In contrast, DeFi requires almost nothing beyond a smartphone and internet access.

布科夫在5月22日在阿姆斯特丹的荷兰区块链周期间在小组讨论时说，传统银行在每位用户的100到300美元之间的花费在100到300美元之间，以验证文档和设置帐户。他说，在线银行花费约20到30美元。相比之下，除了智能手机和互联网访问之外，DEFI几乎不需要。

“Onboarding to DeFi literally costs zero,” Bukov said. “You don’t need brick-and-mortar infrastructure or lengthy verification processes. Just connect and transact.”

布科夫说：“登上Defi实际上要花费零。” “您不需要实体基础架构或冗长的验证过程。只需连接和交易即可。”

Bukov said that this gives DeFi an edge over traditional financial institutions in reaching the 1.4 billion unbanked people who remain excluded from traditional finance due to high onboarding expenses.

布科夫说，这使Defi比传统的金融机构达到了14亿未银行的人，这些人因高昂的入职费用而被排除在传统金融上。

Reaching 1.4 billion unbanked users

达到14亿无银行的用户

“That’s why we have 1.4 billion people on the planet who are unbanked. No one’s going to invest those hundreds or tens of dollars into them because they will never return to them,” Bukov added.

布科夫补充说：“这就是为什么我们在地球上有14亿人没有账户的原因。

Unlike traditional finance, which has high barriers to entry, Bukov said DeFi allows the unbanked to become a part of the global economy and engage in real-life transactions using stablecoins like Tether’s USDt (USDT).

与传统金融区有很高的进入障碍，布科夫说，Defi允许未经银行银行业务成为全球经济的一部分，并使用Tether's USDT（USDT）等Stablecoins进行现实交易。

With lower barriers to entry, DeFi becomes a tool for financial inclusion. Bukov said DeFi will continue to reach users who never had access to traditional banking as internet access expands globally.

由于进入障碍较低，DEFI成为金融包容性的工具。布科夫说，随着互联网访问在全球范围内扩展，DEFI将继续吸引那些从未获得传统银行业务的用户。

“You can just get a phone, access to the internet, and you can exchange your chicken for USDT,” Bukov said, highlighting how easily DeFi enables participation in the global economy.

布科夫说：“您只需获得电话，可以访问互联网，就可以将鸡肉换成USDT。”

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DeFi allows access to global liquidity

DEFI允许访问全球流动性

Apart from financial inclusion, Bukov said that the real value of crypto lies in how it gives access to global liquidity. The 1inch co-founder said crypto is evolving into an independent economic zone, where hundreds of billions flow through decentralized protocols.

除了金融包容性外，布科夫说，加密货币的真正价值在于它如何获得全球流动性。 1英寸的联合创始人说，加密货币正在发展成为一个独立的经济区，数百十亿通过分散的协议。

“Crypto isn’t just about adopting stablecoins or building national digital currencies,” Bukov said. “It’s a growing global liquidity hub.”

布科夫说：“加密不仅仅是采用稳定币或建造国家数字货币。” “这是一个日益增长的全球流动性中心。”

He said that this liquidity is dynamic and allows financial experimentation, yield strategies and cross-border capital movement.

他说，这种流动性是动态的，可以进行财务实验，产生策略和跨境资本运动。

Bukov added that countries that align their regulations to enable easier access to this global liquidity can tap into economic opportunities and cooperation. “The more countries trade with each other, the more they succeed. Crypto works the same way,” he said.

布科夫补充说，与法规保持一致以使更容易获得这种全球流动性的国家可以利用经济机会和合作。他说：“彼此交易的国家越多，他们成功的次数就越多。加密货币的工作方式相同。”

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