MetaMask 与万事达卡合作在英国和欧盟推出自助托管借记卡试点计划

流行的去中心化金融（DeFi）钱包 MetaMask 与万事达卡和数字支付公司 Baanx 合作，为英国和欧盟的部分用户推出自助托管借记卡试点计划，并计划在其他地区推出该产品时间。

Popular decentralized finance (DeFi) wallet MetaMask has joined forces with Mastercard and digital payments company Baanx to launch a pilot program for a self-custody debit card, available to select users in the United Kingdom and the European Union. The product is set to expand to other regions over time.

流行的去中心化金融（DeFi）钱包 MetaMask 与万事达卡和数字支付公司 Baanx 联手推出了自助托管借记卡试点计划，可供英国和欧盟的部分用户使用。随着时间的推移，该产品将扩展到其他地区。

The card enables users to maintain self-custody of their funds until the moment a transaction is processed. At that point, the customer’s digital assets are converted into fiat for payment at retail outlets, online shopping platforms and other merchants.

该卡使用户能够自行保管自己的资金，直到处理交易为止。届时，客户的数字资产将被转换为法币，用于在零售店、在线购物平台和其他商户进行支付。

How it all works

这一切是如何运作的

In a statement to Cointelegraph, Lorenzo Santos, senior product manager at Consensys, explained that users need to hold their crypto on the Linea network and use Linea to set spending limits on the card.

Consensys 高级产品经理 Lorenzo Santos 在给 Cointelegraph 的一份声明中解释说，用户需要将加密货币保存在 Linea 网络上，并使用 Linea 设置卡上的支出限额。

Santos also outlined the step-by-step process for transactions. According to the Consensys executive, when a MetaMask card is swiped, an onchain transaction is created, sending tokens from the user’s wallet to the “Crypto Life” smart contract. This allows the transaction to be authorized by the point-of-sale system used by the merchant accepting the card, and the conversion from crypto to fiat is handled by this smart contract. Finally, the payment is finalized over Mastercard’s payment network.

桑托斯还概述了交易的分步流程。根据 Consensys 高管的说法，当刷 MetaMask 卡时，就会创建一个链上交易，将代币从用户的钱包发送到“Crypto Life”智能合约。这允许交易由接受该卡的商家使用的销售点系统授权，并且从加密货币到法定货币的转换由该智能合约处理。最后，付款通过万事达卡的支付网络完成。

Customers will also have the option of choosing which crypto asset will be used for payment. Moreover, users can choose where they want to store their keys.

客户还可以选择使用哪种加密资产进行支付。此外，用户可以选择他们想要存储密钥的位置。

Related: Addressing crypto debit card adoption challenges: Interview with Baanx

相关：解决加密借记卡采用挑战：Baanx 访谈

Banking the unbanked

为没有银行账户的人提供银行服务

Although the new MetaMask pilot is currently limited to European markets, initiatives like this have the potential to bring banking services to the world’s unbanked population and streamline crypto payments for individuals living in high-inflationary environments. Simon Jones, chief commercial officer of Baanx, told Cointelegraph:

尽管新的 MetaMask 试点目前仅限于欧洲市场，但此类举措有可能为世界上没有银行账户的人群带来银行服务，并为生活在高通胀环境中的个人简化加密支付。 Baanx 首席商务官西蒙·琼斯 (Simon Jones) 告诉 Cointelegraph：

The head of Nigeria’s Securities and Exchange Commission, Emomotimi Agama, recently highlighted the potential for digital assets to extend banking services to the country’s 38 million unbanked adults.

尼日利亚证券交易委员会主席 Emomotimi Agama 最近强调了数字资产为该国 3800 万没有银行账户的成年人提供银行服务的潜力。

According to Chainalysis, cryptocurrencies accounted for 9% of the $5.4 billion in remittances sent to Venezuela in 2023. The percentage of remittances sent to the South American nation has increased every year since 2018, except for 2020 — the year COVID-19 caused widespread discrepancies across financial reporting figures.

Chainaanalysis 的数据显示，2023 年，加密货币占委内瑞拉汇款额 54 亿美元的 9%。自 2018 年以来，汇款到这个南美国家的比例逐年增加，但 2020 年除外——那一年，COVID-19 造成了广泛的差异跨财务报告数据。

Argentina is another example, where the population is turning to crypto assets to avoid the staggering 276% inflation rate impacting their local currency.

阿根廷是另一个例子，该国民众正在转向加密资产，以避免 276% 的惊人通胀率影响其当地货币。

Magazine: What do crypto market makers actually do? Liquidity, or manipulation

杂志：加密货币做市商实际上是做什么的？流动性或操纵