Visa、Tether 和链上银行：支付的未来就在这里

探索 Visa、Tether 和链上银行融合的不断发展的格局，为无缝数字金融铺平道路。一个新时代即将来临。

Visa, Tether, and Onchain Banks: A New Financial Frontier

Visa、Tether 和链上银行：新的金融前沿

The world of finance is undergoing a seismic shift, with traditional giants like Visa increasingly collaborating with cutting-edge blockchain entities such as Tether, and the burgeoning field of onchain banking. This convergence signals a profound evolution in how we transact, store value, and access financial services. As these worlds collide, a new ecosystem is emerging, promising greater accessibility, efficiency, and innovation for users worldwide.

金融界正在经历一场巨大的转变，Visa 等传统巨头越来越多地与 Tether 等尖端区块链实体以及新兴的链上银行领域合作。这种融合标志着我们交易、存储价值和获取金融服务方式的深刻演变。随着这些世界的碰撞，一个新的生态系统正在出现，为全球用户带来更大的可访问性、效率和创新。

Visa's Strategic Leap into Onchain Payments

Visa 进军链上支付的战略

In a significant move, Visa is partnering with WeFi, a firm focused on blockchain-based stablecoin infrastructure. This collaboration aims to bridge the gap for robust onchain payments and banking services, essentially building the "last half mile" for users. WeFi, co-founded by a former Tether executive, positions itself as an intermediary between decentralized finance (DeFi) and regulated payment infrastructure. The goal is to facilitate use cases like cross-border spending and on-chain value storage. Reeve Collins, co-founder of WeFi, highlighted that they are essentially providing bank accounts with IBAN numbers and securing necessary global licenses. This initiative, set to roll out region by region starting in Europe, Asia, and Latin America, underscores Visa's commitment to integrating with the digital asset economy while adhering to regulatory frameworks.

Visa 正在与专注于基于区块链的稳定币基础设施的公司 WeFi 合作，这是一项重大举措。此次合作旨在弥合强大的链上支付和银行服务之间的差距，本质上为用户构建“最后半英里”。 WeFi 由 Tether 前高管联合创立，将自己定位为去中心化金融（DeFi）和受监管的支付基础设施之间的中介。目标是促进跨境支出和链上价值存储等用例。 WeFi 联合创始人 Reeve Collins 强调，他们本质上是为银行账户提供 IBAN 号码并获得必要的全球许可证。该计划将从欧洲、亚洲和拉丁美洲开始逐个地区推出，凸显了 Visa 在遵守监管框架的同时融入数字资产经济的承诺。

Tether's Expanding Influence and the Rise of Yield-Bearing Tokens

Tether 影响力的扩大和收益代币的崛起

While not directly involved in the Visa partnership, Tether (XAUT) plays a crucial role in the broader onchain ecosystem. The recent launch of the Aurise Foundation's XAUE token, a gold yield-bearing token that integrates with Tether Gold (XAUT), showcases the innovative potential of stablecoins. XAUE aims to generate yield by deploying its XAUT reserves into DeFi protocols, transforming a traditionally static asset like gold into an income-producing one. With an initial reserve of $76 million from partners Aurelion and Antalpha, XAUE represents a significant step in bridging physical assets with digital yield generation. This development highlights how stablecoins like Tether are becoming foundational elements for new financial products, offering investors novel ways to earn returns on their holdings.

虽然 Tether (XAUT) 没有直接参与 Visa 合作伙伴关系，但它在更广泛的链上生态系统中发挥着至关重要的作用。 Aurise 基金会最近推出的 XAUE 代币是一种与 Tether Gold (XAUT) 集成的黄金收益代币，展示了稳定币的创新潜力。 XAUE 旨在通过将其 XAUT 储备部署到 DeFi 协议中来产生收益，将黄金等传统静态资产转变为创收资产。 XAUE 的初始储备金由合作伙伴 Aurelion 和 Antalpha 提供 7600 万美元，代表着在连接实物资产与数字收益生成方面迈出了重要一步。这一发展凸显了 Tether 等稳定币如何成为新金融产品的基础要素，为投资者提供了从其持有的资产中赚取回报的新颖方式。

Onchain Banks: Redefining Financial Infrastructure

链上银行：重新定义金融基础设施

The concept of onchain banks, as exemplified by WeFi's ambitions, is central to this new financial paradigm. These entities aim to provide banking services directly on the blockchain, offering features like IBANs and operating under various global licenses. The European Central Bank (ECB), in its pursuit of payment sovereignty, is also developing open standards for a digital euro, aiming to reduce reliance on existing proprietary networks like Visa and Mastercard. While distinct from private initiatives, the ECB's efforts highlight a global trend towards establishing more decentralized and independent financial infrastructures. The integration of traditional players like Visa with onchain solutions suggests a future where users can seamlessly manage their assets, whether fiat or crypto, through familiar yet technologically advanced channels.

WeFi 的雄心所体现的链上银行的概念是这种新金融范式的核心。这些实体旨在直接在区块链上提供银行服务，提供 IBAN 等功能并在各种全球许可证下运营。为了追求支付主权，欧洲中央银行 (ECB) 也在开发数字欧元的开放标准，旨在减少对 Visa 和万事达卡等现有专有网络的依赖。尽管与私人举措不同，欧洲央行的努力凸显了建立更加去中心化和独立的金融基础设施的全球趋势。 Visa 等传统参与者与链上解决方案的集成预示着未来用户可以通过熟悉但技术先进的渠道无缝管理其资产，无论是法定资产还是加密货币。

The Road Ahead: Integration and Innovation

未来之路：融合与创新

The convergence of Visa, Tether, and the concept of onchain banks is not merely a technological experiment; it's a fundamental reshaping of financial services. Visa's strategic embrace of onchain infrastructure, coupled with Tether's foundational role in stablecoin innovation and the emergence of yield-generating digital assets, points towards a future of more integrated and accessible finance. While regulatory hurdles and market adoption remain key factors, the direction is clear: the lines between traditional and decentralized finance are blurring, offering exciting possibilities for consumers and institutions alike. So, grab your digital coffee, because the future of banking is looking quite dynamic and, dare we say, rather fun!

Visa、Tether 和链上银行概念的融合不仅仅是一项技术实验，更是一项技术实验。这是金融服务的根本性重塑。 Visa 对链上基础设施的战略拥抱，加上 Tether 在稳定币创新中的基础性作用以及产生收益的数字资产的出现，都指向了更加一体化和更容易获得的金融的未来。虽然监管障碍和市场采用仍然是关键因素，但方向很明确：传统金融和去中心化金融之间的界限正在模糊，为消费者和机构提供了令人兴奋的可能性。所以，拿起你的数字咖啡吧，因为银行业的未来看起来充满活力，而且我们敢说，相当有趣！