Neobank 概念项目：编织无缝加密金融的叙事

探索加密货币领域新银行的崛起，重点关注概念项目、用户体验以及推动 TradFi 和 DeFi 集成的叙事。

The crypto neobank narrative is heating up, fueled by stablecoin regulation, mature crypto infrastructure, and DeFi yield advantages. These innovative platforms offer flexibility, lower costs, and user-friendly experiences, attracting users globally. Let's dive into the concept projects shaping this exciting landscape.

在稳定币监管、成熟的加密基础设施和 DeFi 收益率优势的推动下，加密新银行的故事正在升温。这些创新平台提供灵活性、低成本和用户友好的体验，吸引了全球用户。让我们深入探讨塑造这一令人兴奋的景观的概念项目。

Neobanks: Bridging TradFi and Crypto

Neobanks：连接 TradFi 和加密货币

Neobanks are emerging as a solution to the inefficiencies and high fees of traditional banks. Projects like Plasma One, backed by crypto heavyweights, focus on stablecoin-native financial applications. They aim to solve USD storage, payment, and transfer issues, offering high returns and cashback rewards. Galaxy One provides crypto and stock trading services, allowing users to earn APY on their investments.

新银行的兴起是为了解决传统银行效率低下和费用高的问题。像 Plasma One 这样的项目得到了加密货币重量级人物的支持，专注于稳定币原生的金融应用程序。他们旨在解决美元存储、支付和转账问题，提供高回报和现金返还奖励。 Galaxy One 提供加密货币和股票交易服务，允许用户通过投资赚取年收益。

Key Players and Their Innovations

主要参与者及其创新

• ether.fi Cash: Integrates banking services with crypto functionality, offering a crypto-native credit card for spending without selling crypto assets.
• Tria Card: A self-custodial neobank designed for both humans and AI agents, unifying spending, trading, and earning across chains. Their BestPath AVS engine optimizes transactions, ensuring seamless and fee-free usage.
• MetaMask Card: Allows users to spend crypto directly from their MetaMask wallet, offering cashback rewards.
• Bunq: Partners with Kraken to provide crypto trading services within its banking app, expanding to the European Economic Area, the UK, and the US.
• UR Neobank: Offers a one-stop solution for digital asset and fiat currency management, supporting stablecoins and multiple fiat currencies.
• Karma Pay: Aims to make cryptocurrencies and stablecoins everyday payment tools, bridging traditional finance and DeFi.
• Gnosis Pay: Provides an on-chain self-custodial checking account, allowing users to use crypto assets directly for real-world payments.
• Sanafi Onchain: Focuses on ethically driven on-chain banking services, ensuring funds are used at verified ethical merchants.
• VPay: An AI-driven Web3 omnibank integrating digital asset functionality with real-world consumption.
• Avici: A decentralized internet banking platform built on Solana, enabling users to manage their funds on-chain.

The Rise of AI and Programmable Money

人工智能和可编程货币的兴起

Tria stands out with its focus on AI agents, highlighting the growing importance of programmable payments infrastructure. By 2030, AI agents are projected to execute a significant portion of global digital payments. This neobank is designed for both humans and AI, making money programmable and enabling native on-chain transactions.

Tria 因其专注于人工智能代理而脱颖而出，凸显了可编程支付基础设施日益增长的重要性。到 2030 年，人工智能代理预计将执行全球数字支付的很大一部分。这个新银行是为人类和人工智能设计的，使货币可编程并支持本地链上交易。

Community and Tokenomics

社区和代币经济学

Projects like Karma emphasize token economics designed around real economic activities, using transaction fees to repurchase tokens, reward the community, and support charitable donations. This approach aims to create sustainable financial ecosystems.

Karma 等项目强调围绕真实经济活动设计的代币经济学，利用交易费用回购代币、奖励社区并支持慈善捐赠。这种方法旨在创建可持续的金融生态系统。

Final Thoughts

最后的想法

The neobank space is rapidly evolving, offering innovative solutions to bridge the gap between traditional finance and the crypto world. With a focus on user experience, seamless transactions, and AI integration, these projects are paving the way for a future where crypto finance is accessible and user-friendly for everyone. Who knows, maybe one day we'll all be using crypto neobanks to pay for our morning coffee!

新银行领域正在迅速发展，提供创新的解决方案来弥合传统金融与加密世界之间的差距。这些项目专注于用户体验、无缝交易和人工智能集成，为每个人都可以访问和用户友好的加密金融未来铺平道路。谁知道呢，也许有一天我们都会使用加密货币新银行来支付我们早上的咖啡费用！