通过安全，监管和创新的镜头探索Visma，租赁自行车，瑞士和分散的金融（DEFI）的交集。

Visma, Lease a Bike, and Switzerland: A DeFi Perspective

Visma，租赁自行车和瑞士：一种偏见的观点

The world of finance is evolving, and Switzerland is positioning itself as a hub for innovation. While Visma and Lease a Bike might not seem directly related to DeFi, understanding Switzerland's approach to this space offers valuable insights. This article explores the intersection of these seemingly disparate elements, focusing on security, regulation, and the future of finance.

金融世界正在发展，瑞士将自己定位为创新的枢纽。尽管Visma和租赁的自行车似乎与Defi似乎没有直接关系，但了解瑞士对此空间的方法提供了宝贵的见解。本文探讨了这些看似不同的要素的交集，重点是安全，法规和财务的未来。

DeFi's Swiss Advantage: A Case Study with 1inch

Defi的瑞士优势：1英寸的案例研究

At a recent MetaForum event in Lugano, Switzerland, the discussion around decentralized finance (DeFi) took center stage. One key takeaway was the importance of jurisdiction in navigating the complex regulatory landscape. The story of 1inch, a decentralized exchange aggregator, illustrates this point perfectly.

在瑞士卢加诺（Lugano）最近举行的元福鲁（Metaforum）活动中，围绕分散融资（DEFI）的讨论成为中心舞台。一个关键要点是管辖权在浏览复杂监管景观方面的重要性。一个分散的交换聚合器1英寸的故事完美地说明了这一点。

In 2020, the founders of 1inch considered seeking a license in Germany. However, they were advised to instead operate under Switzerland's SRO (Self-Regulatory Organization) framework or consider Dubai, both jurisdictions known for their openness to experimentation. This strategic decision allowed 1inch to operate legally while maintaining the core principles of DeFi: decentralization, transparency, and operational freedom.

2020年，1英寸的创始人考虑在德国寻求许可证。但是，建议他们根据瑞士的SRO（自我调节组织）框架进行操作，或考虑迪拜，这两个司法管辖区都以开放的实验性而闻名。这一战略决策使1英寸可以合法运作，同时保持Defi的核心原则：权力下放，透明度和运营自由。

MiCA and the Scope of DeFi Regulation

云母和Defi法规的范围

The European MiCA (Markets in Crypto-Assets) regulation is a significant development for centralized crypto services. However, it doesn't apply to pure DeFi protocols like 1inch, which are governed by DAOs (Decentralized Autonomous Organizations). These protocols don't offer custodial or brokerage services in the traditional sense, placing them outside MiCA's direct purview.

欧洲云母（加密资产市场中的市场）法规是集中式加密服务的重大发展。但是，它不适用于由Daos（分散自治组织）管辖的1英寸纯正协议。这些协议在传统意义上不提供保管或经纪服务，将其置于Mica的直接范围之外。

This exclusion presents both opportunities and challenges. While it grants greater freedom, it also means a lack of formal legal recognition. However, companies like 1inch aren't operating in a regulatory vacuum. They're proactively addressing the inherent risks of DeFi through advanced security measures.

这种排除既提出了机遇和挑战。尽管它具有更大的自由，但也意味着缺乏正式的法律认可。但是，像1英寸这样的公司没有在监管真空中运营。他们通过高级安全措施主动地解决了Defi的固有风险。

Security in a Decentralized World

分散世界的安全

The risks associated with DeFi, such as hacks and vulnerabilities in cross-chain bridges, are real. To mitigate these risks, 1inch has implemented a multi-layered security model. This includes transaction simulation, geofencing, VPN detection, device fingerprinting, automatic wallet screening, bot detection, and operation surveillance. They also actively collaborate with industry partners to identify and block wallets linked to illicit activities, fostering trust even with traditional banking institutions.

与Defi相关的风险，例如跨链桥梁中的黑客和漏洞，是真实的。为了减轻这些风险，1英寸实现了多层安全模型。这包括交易模拟，地理码，VPN检测，设备指纹识别，自动钱包筛选，机器人检测和操作监视。他们还与行业合作伙伴积极合作，以识别和阻止与非法活动相关的钱包，即使传统的银行机构也促进了信任。

Compliance Without KYC: A New Paradigm?

没有KYC的合规性：一个新的范式？

One of the most intriguing aspects of this approach is the ability to ensure compliance without relying on traditional Know Your Customer (KYC) procedures. Through innovative technical tools and procedures, market makers can achieve a level of trust comparable to that of CeFi processes while respecting user privacy. This scalable and effective approach is paving the way for a more inclusive and secure DeFi ecosystem.

这种方法最有趣的方面之一是能够确保不依赖传统客户（KYC）程序的合规性的能力。通过创新的技术工具和程序，做市商可以在尊重用户隐私的同时，达到与CEFI流程相当的信任水平。这种可扩展有效的方法为更具包容性和安全性的生态系统铺平了道路。

Switzerland's Role in Shaping the Future of Finance

瑞士在塑造金融未来中的作用

Switzerland's proactive stance on DeFi, coupled with the innovative approaches of companies like 1inch, highlights the country's potential as a leading hub for decentralized finance. While Visma and Lease a Bike may operate in different sectors, they all share a connection to Switzerland's forward-thinking environment.

瑞士对DeFi的积极主动立场，再加上1英寸等公司的创新方法，强调了该国作为分散融资的领先枢纽的潜力。尽管Visma和租赁自行车可能在不同的部门运行，但它们都与瑞士的前瞻性环境有联系。

Ultimately, transparency, security, and collaboration are key to unlocking DeFi's full potential. Even though protocols like 1inch aren't subject to traditional regulation, they're demonstrating that self-regulation, advanced security practices, and openness to collaboration are essential for the sector's maturity. The revolution isn't just technical; it's also cultural, and Switzerland is playing a crucial role in shaping this new landscape.

最终，透明度，安全性和协作是解锁Defi的全部潜力的关键。尽管像1英寸这样的协议不受传统法规的约束，但他们表明自我调节，高级安全实践和对协作的开放性对于该行业的成熟度至关重要。革命不仅仅是技术性的；它也是文化的，瑞士在塑造这一新景观方面发挥了至关重要的作用。

So, next time you're admiring the Swiss Alps or considering a Visma-powered solution, remember that Switzerland is also quietly revolutionizing the world of finance. Who knew?

因此，下次您欣赏瑞士阿尔卑斯山或考虑采用维斯卡驱动的解决方案时，请记住，瑞士也在悄悄地彻底改变财务世界。谁知道？