defi，tradfi，融合：在新咆哮的二十年代弥合差距

在基础设施的改进和行业合作的推动下，Defi和Tradfi之间的界限是模糊的。探索关键趋势和见解以塑造这种融合。

Yo, crypto fam! The convergence of Decentralized Finance (DeFi) and Traditional Finance (TradFi) is no longer a pipe dream; it's happening, and it's happening now. Forget those artificial boundaries—we're talking about a financial revolution, baby!

哟，加密货币。分散财务（DEFI）和传统金融（Tradfi）的融合不再是一个梦想。它正在发生，现在正在发生。忘记那些人工界限 - 我们正在谈论一场金融革命，宝贝！

The Great Disappearing Act: DeFi Meets TradFi

伟大的消失行为：Defi遇到Tradfi

Nelli Zaltsman, head of blockchain payments innovation at JPMorgan's Kinexys, dropped some serious knowledge at the RWA Summit Cannes 2025. According to her, the divide between DeFi and TradFi could vanish faster than you can say "blockchain." JPMorgan is actively working to merge institutional-grade payments infrastructure with onchain assets. This is a huge deal.

摩根大通Kinexys区块链付款创新负责人内利·扎尔特曼（Nelli Zaltsman）在RWA峰会戛纳2025年抛弃了一些认真的知识。据她说，Defi和Tradfi之间的分歧可能比您说的比“区块链”更快。摩根大通正在积极努力将机构付款基础设施与Onchain资产合并。这是一笔巨大的交易。

JPMorgan's blockchain strategy is "asset agnostic," aiming to give clients real-time access to multiple networks while minimizing friction. They've even piloted synchronized settlement technology with Chainlink, allowing JPMorgan’s blockchain-based deposits to orchestrate transactions across different blockchains. This is a very early sign of how major banks can connect traditional capital with digital asset markets.

摩根大通的区块链策略是“资产不可知论”，旨在使客户实时访问多个网络，同时最大程度地减少摩擦。他们甚至与ChainLink试行了同步定居技术，从而使摩根大通的基于区块链的存款可以在不同区块链上进行交易。这是主要银行如何将传统资本与数字资产市场联系起来的非常早期的迹象。

The Infrastructure is Finally Here

基础设施终于在这里

Remember when JPMorgan had to build its own private blockchain because the public options weren't up to snuff? Those days are over. Now, there are tools that are “kind of underpriced and in support.” It's like the internet in the early 2000s—the infrastructure is maturing, and the possibilities are exploding.

还记得摩根大通不得不建立自己的私人区块链，因为公共选择不努力吗？那些日子结束了。现在，有一些工具“有点低价和支持”。就像2000年代初的互联网一样 - 基础设施正在成熟，可能性正在爆炸。

JPMorgan Sets the Trend: Others Will Follow

摩根大通设定了趋势：其他人将遵循

Sergey Nazarov, Chainlink Labs co-founder, pointed out that JPMorgan's participation can drive other banking institutions to take notice. When a whale like JPMorgan makes a move, everyone else tends to follow suit.

Chainlink Labs联合创始人Sergey Nazarov指出，摩根大通的参与可以驱使其他银行机构引起注意。当像摩根大通这样的鲸鱼采取行动时，其他所有人都倾向于效仿。

Cryptographic proofs and smart contracts are leveling the playing field. Smaller counterparties can now achieve the same reliability as top-tier banks, unlocking new opportunities in capital markets.

加密证明和智能合约正在升级竞争环境。现在，较小的对手可以实现与顶级银行相同的可靠性，从而在资本市场中释放新的机会。

Regulatory Tailwinds and Coinbase's Rise

监管方风和共插针的崛起

Bybit's TradFi x Crypto Report highlights how regulatory tailwinds are driving Coinbase's outperformance, despite premium valuations. The inclusion of Coinbase in the S&P 500 is a watershed moment, validating crypto's integration into mainstream finance.

Bybit的Tradfi X Crypto报告强调了尽管高级估值，但法规的后风如何推动Coinbase的表现。在标准普尔500标准普尔500中包含Coinbase是一个流域时刻，验证了加密货币中的整合到主流金融中。

AI and Crypto: A Match Made in Heaven

AI和Crypto：在天堂做的一场比赛

Don't forget about the fusion of blockchain and AI. A report by OKX and Blockworks projects that this integration will fundamentally transform global industries. We're talking AI agents operating on blockchain networks, conducting transactions, and fueling economic activity. It's like Skynet, but for finance—hopefully without the whole world domination thing.

不要忘记区块链和AI的融合。 OKX和Blockworks的一份报告预测，这种整合将从根本上改变全球行业。我们正在谈论在区块链网络上运作的AI代理商，进行交易并加剧了经济活动。它就像天网一样，但对于金融而言 - 希望没有整个世界统治的事情。

My Take: The Future is Now

我的看法：未来现在是

Honestly, the convergence of DeFi and TradFi is inevitable. Improved infrastructure, regulatory clarity, and the entry of major players like JPMorgan are accelerating the process. The emergence of AI within the blockchain space is also making it more scalable and accessible to both institutions and individuals. But, as regulations evolve, we must remain compliant and transparent to protect users and their assets, so that it could allow further innovations and progress within the space.

老实说，defi和tradfi的融合是不可避免的。改进的基础设施，法规清晰度以及像摩根大通这样的主要参与者的进入正在加速这一过程。 AI在区块链空间内的出现也使机构和个人都可以扩展和访问。但是，随着法规的发展，我们必须保持合规和透明，以保护用户及其资产，以便可以在空间内进行进一步的创新和进步。

We are moving towards a future where finance is more open, transparent, and efficient.

我们正在朝着财务更加开放，透明和高效的未来发展。

Wrapping Up

总结

So, buckle up, folks! The ride's just getting started. The convergence of DeFi and TradFi is not just a trend; it's a fundamental shift in how the world does finance. Stay informed, stay curious, and get ready to ride the wave into the future. Peace out!

所以，搭扣，伙计们！这次旅程才刚刚开始。 defi和tradfi的融合不仅是一种趋势。这是世界如何获得资金的根本转变。保持告密性，保持好奇，并准备好将浪潮带入未来。和平！