披风，亚洲和OnChain Neobanks：革命性的金融？

Mantle的UR旨在弥合亚洲的Defi和传统财务，提供具有菲亚特集成和区块链本地特征的加密新库兰人体验。

Mantle, Asia, and Onchain Neobanks: Revolutionizing Finance?

披风，亚洲和OnChain Neobanks：革命性的金融？

The financial landscape is evolving, and Mantle is betting big on Asia with its innovative “onchain neobank,” UR. It aims to merge the convenience of traditional banking with the power of decentralized finance (DeFi). Will this be the future of finance?

金融景观正在发展，而Mantle则以创新的“ OnChain Neobank”在亚洲赌注。它的目的是将传统银行业务的便利性与分散金融（DEFI）的力量合并。这是金融的未来吗？

What is UR?

你是什​​么？

UR, pronounced “You Are,” is Mantle's vision of a crypto neobank, designed to offer a seamless experience across both fiat and crypto financial domains. Tim Chen, global head of strategy at Mantle, describes it as "Revolut on the front-end and DeFi abstracted away on the back-end." It offers a bank-like experience, complete with a debit card, using Swiss multi-currency accounts and the Mantle Network, a layer 2 blockchain built on Ethereum.

乌尔（Ur）发音为“您是”，是Mantle对加密新库银行的愿景，旨在在菲亚特和加密金融领域提供无缝的体验。 Mantle的全球战略负责人蒂姆·陈（Tim Chen）将其描述为“前端的叛逆者，而在后端上抽象出来”。它提供了类似银行的体验，并配有借记卡，使用瑞士多货币帐户和地幔网络，这是建立在以太坊的第2层区块链。

Why Asia?

为什么亚洲？

Mantle sees significant opportunity in Asia, particularly in “non-dollarized countries.” According to Chen, these countries view saving stablecoins as a welcome alternative due to their own currencies' instability. While Western users might prioritize rewards and yield, Asian users are drawn to the stability that stablecoins can offer.

Mantle看到了亚洲，特别是在“非承诺国家”的机会。根据陈的说法，这些国家认为，由于货币的不稳定，保存稳定的稳定剂是一种受欢迎的选择。尽管西方用户可以优先考虑奖励和收益率，但亚洲用户被稳定的稳定性吸引了。

Key Features and the Vision

关键特征和视觉

UR stands out by being built natively on the blockchain, enabling deeper integration and transparency. Users can open Swiss IBAN accounts, managing both fiat and crypto assets in one place. Supported fiat currencies include EUR, CHF, USD, and RMB, backed 1:1 by tokenized deposits under a Swiss banking license.

UR通过本地建立在区块链上，从而使更深的集成和透明度脱颖而出。用户可以在一个地方开设瑞士iban帐户，管理菲亚特和加密资产。支持的法定货币包括欧元，瑞士法郎，美元和元人民币，并根据瑞士银行许可证以令牌化存款为1：1。

Mantle’s vision extends beyond basic banking functions. By 2025, UR is expected to incorporate services like foreign exchange, fiat-to-crypto on-ramps, and lending/yield-earning tools, all operating directly on the Mantle Layer-2 blockchain. The ultimate goal is a “banking chain”—a blockchain architecture built specifically for banking operations.

Mantle的愿景超出了基本的银行功能。到2025年，UR预计将纳入外汇，菲亚特到邮政在坡道上以及贷款/收益赚取工具等服务，所有这些都直接在地幔2层区块链上运行。最终目标是一个“银行链”，这是专门用于银行业务的区块链架构。

The Neobank Landscape

Neoband景观

The neobank sector is booming, with platforms like Revolut and N26 gaining millions of users. While many offer limited crypto features, UR differentiates itself with its blockchain-native design. With a significant portion of neobank users already involved in crypto, UR is poised to capture a slice of this growing market.

Neobank行业正在蓬勃发展，Revolut和N26等平台吸引了数百万用户。尽管许多人提供有限的加密功能，但UR与区块链本地设计区分开来。由于已经参与了加密货币的大部分新旧金es用户，UR准备捕捉这个不断增长的市场。

Market Trends and Insights

市场趋势和见解

Recent market data indicates a disciplined approach to crypto investments. Bitcoin, despite geopolitical events, has shown resilience as a store of value, hovering near its all-time high. Long-term investors are holding onto their gains, and institutional demand remains strong, suggesting real capital is moving into the asset class.

最近的市场数据表明了加密投资有纪律的方法。尽管地缘政治事件，但比特币表现出弹性作为价值存储，徘徊在其历史最高水平上。长期投资者正在坚持自己的收益，机构需求仍然强劲，这表明真正的资本正在进入资产类别。

While leveraged long positions are rising, creating a fragile equilibrium, the overall trend points towards a maturing market. Mantle’s UR, with its focus on real-world use cases and seamless integration, could be a catalyst for further adoption.

尽管杠杆的长位置正在上升，从而产生了脆弱的平衡，但总体趋势指向成熟的市场。 Mantle的UR专注于现实世界用例和无缝集成，可能是进一步采用的催化剂。

Final Thoughts

最后的想法

Mantle's UR is an ambitious project that could potentially revolutionize finance in Asia. By bridging the gap between DeFi and traditional banking, it offers a compelling solution for users seeking stability and convenience. While challenges remain, the potential for growth is undeniable. So, keep an eye on Mantle and UR – they might just be the future of finance, one onchain transaction at a time! And who knows, maybe one day we'll all be getting our salaries in stablecoins. Wouldn't that be something?

Mantle的UR是一个雄心勃勃的项目，可能会彻底改变亚洲的财务状况。通过弥合Defi和传统银行业务之间的差距，它为寻求稳定和便利性的用户提供了令人信服的解决方案。尽管仍然存在挑战，但增长的潜力是不可否认的。因此，请密切关注地幔和UR - 它们可能只是金融的未来，一次是一项巧妙的交易！谁知道，也许有一天我们都会在Stablecoins获得薪水。那不是吗？