Tradfi符合OnChain：重新构想的银行体验

探索传统金融是如何拥抱OnChain解决方案，以创造出更好的银行体验，这是由Defi Innovations和现实世界中的令牌化驱动的。

TradFi's getting a serious onchain glow-up! Driven by DeFi innovations and tokenized assets, banking's never been so exciting.

Tradfi变得严肃地发光了！在Defi Innovations和Sidkenized资产的驱动下，Banking从未如此令人兴奋。

The TradFi Wake-Up Call: Horrible Banking Experiences

Tradfi唤醒电话：可怕的银行经验

Let's be real, traditional banking can be a drag. Aave Labs founder Stani Kulechov hit the nail on the head at EthCC 2025: people are flocking to fintech because of those clunky, outdated banking experiences. Over 60% of folks have a digital wallet of some kind, even if it's not fully onchain. This sets the stage for a massive shift, bringing digital finance to the decentralized world.

真实，传统的银行业可能会拖累。 Aave Labs的创始人Stani Kulechov在Ethcc 2025击中了指甲：人们由于那些笨拙，过时的银行业务而涌向金融科技。超过60％的人有某种数字钱包，即使它没有完全固定。这为大规模转变奠定了基础，将数字融资带给了分散的世界。

Tokenized Real-World Assets: A Multi-Trillion Dollar Party

代币化现实世界中的资产：数百万美元的聚会

Tokenization is the magic word. Kulechov calls it a "multi-trillion-dollar opportunity" for TradFi and crypto to finally hook up. Think tokenized real estate, government bonds, equities—all living on a transparent, programmable ledger. BlackRock's already playing ball with its Ethereum-based tokenized money market fund, and Libre Capital's tokenizing Telegram debt. It's like taking all the cool parts of the old financial system and giving them a serious upgrade.

令牌化是神奇的词。 Kulechov称Tradfi和Crypto最终挂钩是“千万美元的机会”。想想标记的房地产，政府债券，股票 - 都生活在透明的可编程分类帐中。贝莱德已经通过以太坊的代币化货币市场基金和Libre Capital的标记电报债务打球。这就像采用旧金融系统的所有凉爽部分，并给他们认真升级。

DeFi Needs to Bring Its A-Game

Defi需要带上A游戏

DeFi has to step it up. Kulechov admits it's not exactly a household name yet, and protocols like Aave need to massively increase their user base to compete with fintech giants. The key? Solve real problems, offer clear value, and make the whole experience ten times better. Simplicity and accessibility are the name of the game. If we want TradFi to fully embrace onchain solutions, we need to offer something that's undeniably superior.

Defi必须加强它。 Kulechov承认这还不是一个家喻户晓的名字，例如AAVE之类的协议需要大量增加其用户群来与金融科技巨头竞争。钥匙？解决真正的问题，提供明确的价值，并使整个体验变得更好十倍。简单性和可访问性是游戏的名称。如果我们希望Tradfi完全接受OnChain Solutions，我们需要提供不可否认的优势。

Binance Bridging the Gap

binance弥合差距

Binance CEO Richard Teng is on a mission to bridge TradFi and crypto. He emphasizes Binance's deep liquidity, secure tools, and easy onboarding process. With over 270 million users, Binance has earned trust by prioritizing security and offering competitive fees. And with fast settlements, it's meeting the speed expectations of traditional finance systems. The platform's user-friendly interface is a game-changer, especially for first-time Bitcoin investors.

Binance首席执行官Richard Teng的任务是桥梁Tradfi和Crypto。他强调了Binance的深厚流动性，安全的工具和易于入职过程。拥有超过2.7亿用户，Binance通过确定安全性并提供竞争费来赢得信任。随着快速定居点，它可以满足传统金融系统的速度期望。该平台的用户友好界面是改变游戏规则的，尤其是对于首次比特币投资者而言。

BTCFi Landscape: A Quiet Revolution

BTCFI景观：一场安静的革命

Something's brewing in the BTCFi world. The supply of $LBTC is skyrocketing, becoming a serious asset for yield-seeking Bitcoin holders. It's now moving across multiple chains, offering DeFi access to ETH-native capital. And with vaults offering competitive yields, smart money is betting on passive $BTC income. It's a silent revolution that's gaining momentum.

在BTCFI世界中酿造的东西。 $ LBTC的供应迅速飙升，成为寻求屈服比特币持有人的严重资产。现在，它正在跨多个连锁店移动，从而提供了对道德本地资本的途径。凭借提供竞争收益的金库，Smart Money押注了被动$ BTC收入。这是一场无声的革命，它正在发展势头。

My Hot Take

我的热门

I reckon the future of finance is looking mighty bright. DeFi has the potential to reshape the industry, but only if it prioritizes user experience and real-world utility. The tokenization of real-world assets is a crucial step, but it's not enough on its own. We need to make DeFi as easy and accessible as possible. For example, platforms could partner with TradFi institutions to offer onchain banking services to their existing customers. This would help bridge the gap between the two worlds and drive mass adoption. If the growth of LBTC before token incentives is what adoption looks like, imagine what happens after.

我认为金融的未来看起来很明亮。 DEFI有可能重塑行业，但前提是优先考虑用户体验和现实世界实用程序。现实世界中资产的令牌化是一个关键的一步，但这本身还不够。我们需要使Defi尽可能容易且易于访问。例如，平台可以与Tradfi机构合作，为其现有客户提供OnChain Banking服务。这将有助于弥合两个世界之间的鸿沟，并推动大众采用。如果LBTC在代币激励之前的增长是采用的样子，请想象之后会发生什么。

The Takeaway

外卖

TradFi's dipping its toes into the onchain world, and the water's looking pretty good. With better banking experiences, tokenized assets, and innovative platforms, the future of finance is shaping up to be a wild, exciting ride. Buckle up, buttercups—it's gonna be a good one!

Tradfi将其脚趾浸入OnChain世界，水看起来还不错。凭借更好的银行经验，令牌资产和创新的平台，金融的未来正在成为一种狂野，令人兴奋的旅程。搭扣，毛cup，这将是一个好人！