点击一起来讨论 Imagine this: you open a financial management app, click the 'Loan' button, and within seconds, you receive a loan, all without ever encountering any cryptocurrencies or seeing the complex elements like blockchain, wallets, or contracts—this is actually the new trend in financial technology today.
The shift originates from U.S. President Trump's 'friendly signal' towards the crypto industry. Since then, many large banks and financial companies, such as Fidelity, JPMorgan, and Robinhood, have started to quietly lean towards blockchain. They want to move traditional financial capital onto the chain—essentially integrating with DeFi (decentralized finance)—but without scaring away users. #去中心化
For instance, now on large platforms like Coinbase, you can easily apply for a loan using your Bitcoin, something that used to be only accessible to big players; companies like Fidelity have also begun experimenting with 'tokenizing' money market funds, connecting them to the DeFi system, allowing you to perform previously complicated operations with just one click. #比特币
The technological supporter driving all of this is a company called Alchemy. You can think of it as the 'AWS of the blockchain world' (just as Amazon Web Services is the infrastructure of the internet); they provide APIs that enable developers to set up various functionalities in the background, making the presence of crypto almost 'invisible' to front-end users.
In the past, you had to install Metamask, understand gas fees, and the types of chains... Now? Companies like Nike and Stripe may have already set up a crypto wallet on your phone without you even knowing. #我的交易风格
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