15 多年前，中本聰通過密碼學(xué)發(fā)明了世界上第一個獨立管理、自運營的金融系統(tǒng)。

他渴望推動我們所有人進入一場金融復(fù)興，我們老化的金融體系將被一個不利于任何實體或存在的體系所取代。

每周 7 天、每天 24 小時開放且完全透明的金融系統(tǒng)，因此任何人都可以跟蹤區(qū)塊鏈上的資金流向。

雖然這個價值主張本身就足以從我們的傳統(tǒng)金融系統(tǒng)中遷移出來，但中本聰發(fā)明區(qū)塊鏈和加密貨幣的最大突破是用戶訪問該網(wǎng)絡(luò)的方式：

只需移動設(shè)備和互聯(lián)網(wǎng)連接，任何人都可以安全地查看、發(fā)送和接收價值，這是我們距離金融包容性世界最近的一次。

話雖這么說，區(qū)塊鏈行業(yè)（可以更形象地稱為 web3）已經(jīng)達到了一個拐點，下一波采用可能會通過與過去幾代人完全不同的渠道。

換句話說，考慮到下一代用戶基本上不具備該技術(shù)的相對回報或?qū)嵱眯?，只有這么多新進入者有慣性來處理使用 web3 技術(shù)的運營難題。

Coinbase 首席執(zhí)行官

坦率地說，如果我們希望在發(fā)現(xiàn)受眾中得到更多采用，那么可接受的 web3 用戶旅程的市場標(biāo)準(zhǔn)就需要提高。

如果我們希望這些人使用它們，那么與這些用戶旅程相關(guān)的錢包需要做的不僅僅是保存互聯(lián)網(wǎng)貨幣。

為什么它很重要

“web3”一詞指的是互聯(lián)網(wǎng)的第三次迭代，它建立在數(shù)字化、可驗證的所有權(quán)概念之上。

與 web2 范式相反，web3 用戶維護并擁有他們的所有信息、金融資產(chǎn)、數(shù)字收藏品等，而“大科技”則保留著 web2 宇宙中的這些珍貴信息。

This ownership is achieved through non-custodial wallets where this information is only accessible by the owner of said wallet. The wallet owner can grant ‘read-only’ access to any internet protocol that might want to access the contents of the wallet but again, it’s purely at the discretion of the owner.

In the words of the one and only Gordon Gekko, “The most valuable commodity I know of is information ” and depending on where you live, your willingness to share that information may vary. In the developed world, the average person has the luxury of robust banking and money-transmission services. What’s more, a certain level of implicit trust allows them to feel secure with ‘owning’ nothing.

Sure they’re able to view and access the bank account balance shown on their account but they technically ‘own’ something that’s continuously being lent out in exchange for crumbs. What’s more, users are completely reliant on the good faith of a bank to perform any action they wish to perform. This model is deeply flawed and hardly works here but as you venture into the lesser-developed parts of the world, the overwhelming distrust of traditional banking systems has left much of the population unbanked.

It All Starts With the Wallet

We’ve made significant strides over the last decade and a half when it comes to the development, usage, and adoption of decentralized technologies. Additionally, regulatory clarity and legal recognition from governing bodies worldwide have accelerated as of late with Shanghai, most recently, recognizing Bitcoin as a digital currency. That said, it’s still painfully difficult to access and move value that’s on-chain given the interfaces that connect us to the technology are shockingly underdeveloped in comparison to the sheer size of the industry.

At this present moment, crypto wallets don’t allow you to do anything that you couldn’t otherwise do with traditional banking products. Because transmitting value within this framework is arduous, Bitcoin’s battle to establish itself as a reasonable means of payment has been thwarted. Instead, crypto wallets are more or less an easy way to secure your (way more volatile) funds individually.

Furthermore, it’s never been more difficult to garner the attention of the general consumer. Popular media, short-form content, and, honestly a little bit of ADD have made it excruciatingly difficult for companies to reach target consumers. Because of this, the most successful technologies provide utility that introduces extreme convenience or consolidation in one’s life. Take TikTok for instance — beyond being a means of creative expression, it also serves as a social network and, increasingly, a search engine.

通過服務(wù)于多種目的，用戶無需從一個平臺跳轉(zhuǎn)到另一個平臺，這一事實強化了在平臺上安裝和花費任何時間的價值主張。

到 2023 年，平均

是十年前的

正因為如此，我們現(xiàn)在正在進入一個科技新時代，新產(chǎn)品和應(yīng)用程序不僅需要解決問題，還需要帶來便利——錢包與此沒有什么不同。

這與蘋果多年前將手機放入 iPod 中并沒有什么不同。

未來

為了釋放加密貨幣的所有潛力，我們必須從頭開始創(chuàng)新，并確保不必要的過時用戶體驗不會妨礙其價值主張。

歐易(OKX)

用戶喜愛的交易所

立即注冊立即下載

幣安(Binance)

已有賬號登陸后會彈出下載

立即注冊立即下載