時間:2024-07-24|瀏覽:323
仔細(xì)研究 Baanx 及其在 Etherlink 上為 Tezos 推出非托管支付卡的計劃。
加密借記卡已經(jīng)存在一段時間了。我個人使用過 Coinbase 卡,多年來還出現(xiàn)了許多其他流行的托管選項。Baanx 專注于非托管選項,并與 Ledger、1inch、MetaMask 等行業(yè)巨頭以及 MasterCard 等大型支付網(wǎng)絡(luò)合作。
他們最近宣布計劃利用 Etherlink 推出非托管支付卡,Etherlink 是 Tezos 新的 Layer-2 EVM 兼容網(wǎng)絡(luò),目前處于主網(wǎng)測試階段。在本文中,我們將進(jìn)一步探索 Baanx,并重點介紹他們對 Tezos 的計劃。
什么是 Baanx?
Baanx 是一個金融科技平臺,為企業(yè)提供當(dāng)今數(shù)字時代的各種金融服務(wù)。從虛擬 IBAN、借記卡、支付網(wǎng)關(guān)、數(shù)字資產(chǎn)到 KYC 和 AML 等合規(guī)解決方案,Baanx 是幫助企業(yè)在傳統(tǒng)法定貨幣和數(shù)字資產(chǎn)技術(shù)的渾水中摸索的一站式服務(wù)平臺。
如果您已經(jīng)接觸加密貨幣一段時間了,那么您可能以前使用過硬件錢包。如果沒有,請隨時閱讀我們關(guān)于安全實踐的文章。Baanx 于 2022 年 1 月獲得 FCA 批準(zhǔn)開展加密資產(chǎn)活動,從那時起他們一直在推動廣泛采用。Baanx 專門從事的事情之一是成為 Crypto Life (CL) 卡的提供商,該卡由 Ledger 推出并提供支持。
Ledger 是繼 Trezor 之后最受歡迎的硬件錢包生產(chǎn)商。該卡僅供英國和歐洲經(jīng)濟(jì)區(qū)居民使用,但計劃在未來支持美國居民。Baanx 還與 MasterCard 和 1inch 合作創(chuàng)建了另一張“1inch 卡”和 MetaMask。
顯然,如果行業(yè)巨頭和 MasterCard 等主要支付網(wǎng)絡(luò)與他們合作,Baanx 就會對自己正在做的事情有所了解。但不要只聽我說。我們的 TezTalks Live 節(jié)目邀請了 Baanx 的首席商務(wù)官 Simon Jones,他分享了對 Baanx 愿景和長期思考的見解。
Technology is global, it works anywhere and you can plug into the internet. The payments aren’t; the financial services are. So, we live in this world where the world is very big but it’s increasingly getting smaller. One of the vestiges of this non-reformed sector is in financial services. So, I think if you look at that from a platform perspective and anyone out there trying to build something or create a business, there’s a huge amount of friction. Looking at the companies that kind of conquered the world, Google, Apple, Meta, etc. None of these guys have ever tried to come to this arena. That’s because obviously the way in which this arena is designed is unduly complicated. So, that’s the firstpoint.
I think the second point is this whole idea of, hey, I give my money to someone, so I have to put it somewhere. But, then I have to pay them to get it back, pay when I want to go and pay them, or someone else has to pay to receive my money. That doesn’t make any sense to me. It’s just illogical; you’ll always have some level of a fee because, at the end of the day, it’s a business. But why should somebody else get to dictate what exchange rate I get or what interest rate I get? Or what will it cost me to make a payment? That doesn’t make any sense, that should be my decision. If I want to pay a certain way I should be able to press that button. If I want to send money a certain way, I should be able to press that button. If I want to put my savings somewhere and earn a certain yield on it, I should be able to pick, you know, five providers, not one. So, that kind of closed architecture of the system is really a hugedrag…
It really makes you think. Things shouldn't be this unnecessarily complicated. In the same sense, anyone can use the internet with a phone or device; there should be that frictionless environment for sending payments.
Make sure to listen to the full episode for more of Simon's insight and why Baanx believes that will be thecase!
Baanx and Tezos Collaboration
We first learned about the Tezos Foundation and overall collaborative efforts with Baanx in 2020. Earlier in the year, we were treated to some news about a Series A funding round with Tezos Foundation as one of the participating investors. Per the press release, the focus is primarily on gaining support in the US and Latin American regions this year, where their flagship product, the CL card, has only UK and EEAsupport.
Over a week ago, we learned in another press release that Baanx is working on a Tezos-branded non-custodial crypto debit card utilizing Etherlink. Once live, transactions will make use of the Etherlink network to allow cheap and fast payments. In its current mainnet beta stage, Etherlink boasts impressive stats such as sub-second confirmation times and nearly free gas fees. This is exactly the scale you'd need to see for a major crypto debitcard.
這里我們還應(yīng)該了解一些事情,尤其是就加密借記卡而言。Baanx 的 Tezos 卡將是非托管的。如果我們看看最常用的加密借記卡,它們都主要是托管的(Coinbase、Crypto.com 等)。事實上,如果你還記得的話,BlockFi、Celsius 和其他公司在鼎盛時期都提供過一些這樣的托管卡。我們看到了它們不幸發(fā)生的事情。
這是托管解決方案固有的風(fēng)險。雖然從技術(shù)上講,您可以完全控制您持有資產(chǎn)的交易所(例如 Coinbase)內(nèi)的資產(chǎn)。如果 Coinbase 和其他托管公司出現(xiàn)問題,您很有可能無法訪問您的資產(chǎn)。
Baanx 的解決方案使用冷存儲和非托管解決方案,例如硬件錢包。以他們的 CL 卡為例。使用您的 Ledger Live 帳戶,您所要做的就是確保您的帳戶已鏈接并選擇一種資產(chǎn)來為卡提供資金。您做出所有決定;另一邊沒有中介來確保交易沒問題。這大概是我們?yōu)?Tezos 卡所期望的相同體驗水平。
欲了解更深入的見解,請務(wù)必觀看 Simon Jones 主持的最新 TezTalks 節(jié)目以及 Trilitech BD 負(fù)責(zé)人 Siddharth Singhal 主持的 X 空間節(jié)目!
最后的想法
就加密借記卡而言,市場上沒有一家公司像 Baanx 一樣,在 CL 卡等旗艦產(chǎn)品方面擁有專業(yè)知識。Baanx 與 MasterCard、1inch 和 MetaMask 合作,為 Tezos 的非托管支付卡工作帶來了豐富的經(jīng)驗。在 Etherlink 上,我們很高興看到 Etherlink 從目前的主網(wǎng)測試階段正式在主網(wǎng)上推出,并擁有一種使用加密貨幣進(jìn)行日常購買的簡潔方式。
Baanx 的新事業(yè):基于 Etherlink 的 Tezos 非托管支付卡最初發(fā)表在 Medium 上的 Tezos Commons 上,人們通過強(qiáng)調(diào)和回應(yīng)這個故事繼續(xù)討論。
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