{"id":3855,"date":"2025-08-23T09:04:39","date_gmt":"2025-08-23T01:04:39","guid":{"rendered":"https:\/\/theexchain.com\/applications-of-blockchain-in-fintech-transforming-payments-lending-and-securities-markets\/"},"modified":"2025-08-23T09:04:39","modified_gmt":"2025-08-23T01:04:39","slug":"%e5%8d%80%e5%a1%8a%e9%8f%88%e5%9c%a8%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e4%b8%ad%e7%9a%84%e6%87%89%e7%94%a8%ef%bc%8c%e6%94%b9%e8%ae%8a%e6%94%af%e4%bb%98%e5%80%9f%e8%b2%b8%e5%92%8c%e8%ad%89%e5%88%b8","status":"publish","type":"post","link":"https:\/\/theexchain.com\/zh\/%e5%8d%80%e5%a1%8a%e9%8f%88%e5%9c%a8%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e4%b8%ad%e7%9a%84%e6%87%89%e7%94%a8%ef%bc%8c%e6%94%b9%e8%ae%8a%e6%94%af%e4%bb%98%e5%80%9f%e8%b2%b8%e5%92%8c%e8%ad%89%e5%88%b8\/","title":{"rendered":"\u5340\u584a\u93c8\u5728\u91d1\u878d\u79d1\u6280\u4e2d\u7684\u61c9\u7528\uff1a\u6539\u8b8a\u652f\u4ed8\u3001\u501f\u8cb8\u548c\u8b49\u5238\u5e02\u5834\n  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id=\"the-blockchain-revolution-in-fintech-reshaping-payments-lending-and-capital-markets\">\u91d1\u878d\u79d1\u6280\u7684\u5340\u584a\u93c8\u9769\u547d\uff1a\u91cd\u5851\u652f\u4ed8\u3001\u501f\u8cb8\u548c\u8cc7\u672c\u5e02\u5834<\/h1>\n<p>\u5728\u5340\u584a\u93c8\u6280\u8853\u4e0d\u65b7\u9032\u6b65\u7684\u9a45\u52d5\u4e0b\uff0c\u91d1\u878d\u6280\u8853\u683c\u5c40\u6b63\u7d93\u6b77\u7ffb\u5929\u8986\u5730\u7684\u8b8a\u5316\u3002\u5340\u584a\u93c8\u4e0d\u50c5\u662f\u52a0\u5bc6\u8ca8\u5e63\u7684\u9aa8\u5e79\uff0c\u73fe\u5728\u6b63\u5f9e\u6839\u672c\u4e0a\u91cd\u5851\u73fe\u4ee3\u91d1\u878d\u7684\u6838\u5fc3\u652f\u67f1\uff1a\u652f\u4ed8\u3001\u501f\u8cb8\u548c\u8b49\u5238\u4ea4\u6613\u3002\u9019\u7a2e\u8f49\u8b8a\u4e26\u975e\u9059\u9060\u7684\u672a\u4f86\u6982\u5ff5\uff1b\u5b83\u6b63\u5728\u4eca\u5929\u767c\u751f\uff0c\u7522\u751f\u5de8\u5927\u7684\u50f9\u503c\uff0c\u4e26\u5275\u9020\u4e00\u500b\u66f4\u5305\u5bb9\u3001\u66f4\u6709\u6548\u7387\u3001\u66f4\u5b89\u5168\u7684\u5168\u7403\u91d1\u878d\u9ad4\u7cfb\u3002<\/p>\n<h2 id=\"beyond-the-hype-what-is-blockchain-in-fintech\">\u8d85\u8d8a\u7092\u4f5c\uff1a\u91d1\u878d\u79d1\u6280\u4e2d\u7684\u5340\u584a\u93c8\u662f\u4ec0\u9ebc\uff1f<\/h2>\n<p>\u5c31\u5176\u672c\u8cea\u800c\u8a00\uff0c\u5340\u584a\u93c8\u662f\u4e00\u7a2e\u5206\u6563\u5f0f\u7684\u6578\u4f4d\u7e3d\u5e33\uff0c\u4ee5\u5b89\u5168\u3001\u900f\u660e\u4e14\u4e0d\u53ef\u8b8a\u66f4\u7684\u65b9\u5f0f\u8a18\u9304\u4ea4\u6613\u3002\u8207\u4f9d\u8cf4\u4e2d\u592e\u6a5f\u95dc\uff08\u5982\u9280\u884c\u6216\u4ea4\u63db\u4e2d\u5fc3\uff09\u7684\u50b3\u7d71\u7cfb\u7d71\u4e0d\u540c\uff0c\u5340\u584a\u93c8\u4f7f\u7528\u6574\u500b\u96fb\u8166\u7db2\u8def\u7684\u5171\u8b58\u4f86\u9a57\u8b49\u548c\u8a18\u9304\u4ea4\u6613\u3002<\/p>\n<p>\u9019\u9805\u6280\u8853\u5728\u91d1\u878d\u79d1\u6280\u9818\u57df\u7684\u771f\u6b63\u5a01\u529b\u53ef\u900f\u904e\u4ee5\u4e0b\u65b9\u5f0f\u767c\u63ee\u51fa\u4f86 <strong>\u667a\u6167\u5408\u7d04<\/strong>.\u9019\u4e9b\u90fd\u662f\u81ea\u52d5\u57f7\u884c\u7684\u5408\u7d04\uff0c\u5c07\u5354\u8b70\u689d\u6b3e\u76f4\u63a5\u5beb\u5165\u7a0b\u5f0f\u78bc\u4e2d\u3002\u7576\u6eff\u8db3\u9810\u8a2d\u689d\u4ef6\u6642\uff0c\u5b83\u5011\u6703\u81ea\u52d5\u57f7\u884c\u52d5\u4f5c\uff0c\u4f8b\u5982\u89e3\u9664\u4ed8\u6b3e\u6216\u8f49\u8b93\u6240\u6709\u6b0a\uff0c\u7701\u53bb\u624b\u52d5\u8655\u7406\u3001\u6e1b\u5c11\u932f\u8aa4\uff0c\u4e5f\u4e0d\u9700\u8981\u4e2d\u4ecb\u3002<\/p>\n<p>\u6578\u5b57\u8db3\u4ee5\u8aaa\u660e\u4e00\u5207\u3002\u5168\u7403\u91d1\u878d\u79d1\u6280\u5340\u584a\u93c8\u5e02\u5834\u5728 2024 \u5e74\u7684\u4f30\u503c\u70ba $34 \u5104\u7f8e\u5143\uff0c\u9810\u8a08\u5c07\u7206\u767c\u81f3 <strong>\u5230 2030 \u5e74\u9054 $492 \u5104\u5143<\/strong>.\u6b64\u5916\uff0c\u76ee\u524d\u6709\u8d85\u904e 5,000 \u5bb6\u4ee5\u652f\u4ed8\u70ba\u91cd\u9ede\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\u5275\u9020\u4e86\u7d04 $1,000 \u5104\u7f8e\u5143\u7684\u71df\u6536\uff0c\u9019\u500b\u6578\u5b57\u9810\u8a08\u5c07\u4e0a\u5347\u81f3 1,000 \u5104\u7f8e\u5143\u3002 <strong>\u5230 2030 \u5e74\u9054 $5200 \u5104\u5143<\/strong>.<\/p>\n<h2 id=\"core-benefits-why-blockchain-is-a-game-changer-for-finance\">\u6838\u5fc3\u512a\u52e2\uff1a\u70ba\u4ec0\u9ebc\u5340\u584a\u93c8\u6703\u6539\u8b8a\u91d1\u878d\u696d\u7684\u904a\u6232\u898f\u5247\uff1f<\/h2>\n<p>\u63a1\u7528\u5340\u584a\u93c8\u7684\u52d5\u529b\u4f86\u81ea\u65bc\u4e00\u7cfb\u5217\u5f15\u4eba\u6ce8\u76ee\u7684\u512a\u52e2\uff0c\u9019\u4e9b\u512a\u52e2\u53ef\u4ee5\u89e3\u6c7a\u91d1\u878d\u754c\u9577\u671f\u4ee5\u4f86\u7684\u4f4e\u6548\u7387\u548c\u98a8\u96aa\u554f\u984c\u3002<\/p>\n<ul>\n<li>\n<p><strong>\u5f37\u5316\u5b89\u5168\u6027\u8207\u8a50\u6b3a\u9810\u9632\uff1a<\/strong> \u5340\u584a\u93c8\u63a1\u7528\u5148\u9032\u7684\u52a0\u5bc6\u6280\u8853\uff0c\u4f7f\u5f97\u672a\u7d93\u6388\u6b0a\u7684\u5b58\u53d6\u548c\u8cc7\u6599\u7be1\u6539\u8b8a\u5f97\u6975\u70ba\u56f0\u96e3\u3002\u5176\u4e0d\u53ef\u8b8a\u66f4\u7684\u7e3d\u5e33\u53ef\u78ba\u4fdd\u4ea4\u6613\u4e00\u7d93\u8a18\u9304\u4fbf\u7121\u6cd5\u7be1\u6539\uff0c\u70ba\u8a50\u6b3a\u63d0\u4f9b\u4e86\u5f37\u5927\u7684\u9632\u79a6\u3002\u9019\u4e00\u9ede\u975e\u5e38\u91cd\u8981\uff0c\u56e0\u70ba\u6709 41% \u7684\u516c\u53f8\u5c07\u8a50\u9a19\u8996\u70ba\u8de8\u5883\u4ea4\u6613\u7684\u6700\u5927\u98a8\u96aa\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u524d\u6240\u672a\u6709\u7684\u900f\u660e\u5ea6\uff1a<\/strong> \u6bcf\u7b46\u4ea4\u6613\u90fd\u6703\u8a18\u9304\u5728\u6240\u6709\u5141\u8a31\u7684\u7db2\u8def\u53c3\u8207\u8005\u90fd\u80fd\u770b\u898b\u7684\u5e33\u7c3f\u4e0a\u3002\u9019\u53ef\u5efa\u7acb\u55ae\u4e00\u3001\u5171\u4eab\u7684\u771f\u76f8\u4f86\u6e90\uff0c\u4ee5\u5efa\u7acb\u4fe1\u4efb\u3001\u9632\u6b62\u722d\u8b70\uff0c\u4e26\u7c21\u5316\u5be9\u8a08\u8207\u6cd5\u898f\u9075\u5faa\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u6975\u5feb\u7684\u901f\u5ea6\u8207\u7e2e\u77ed\u7684\u7d50\u7b97\u6642\u9593\uff1a<\/strong> \u50b3\u7d71\u7684\u8de8\u5883\u652f\u4ed8\u7531\u65bc\u9700\u8981\u591a\u500b\u4e2d\u9593\u4eba\u548c\u652f\u7968\uff0c\u53ef\u80fd\u9700\u8981\u6578\u5929\u624d\u80fd\u5b8c\u6210\u7d50\u7b97\u3002\u5340\u584a\u93c8\u7c21\u5316\u4e86\u9019\u4e00\u6d41\u7a0b\uff0c\u53ef\u5728\u5e7e\u5206\u9418\u751a\u81f3\u5e7e\u79d2\u5167\u5b8c\u6210\u7d50\u7b97\u3002\u9019\u7a2e\u5373\u6642\u529f\u80fd\u6539\u8b8a\u4e86\u6d41\u52d5\u6027\u7ba1\u7406\u548c\u71df\u904b\u6548\u7387\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u5927\u5e45\u964d\u4f4e\u6210\u672c\uff1a<\/strong> \u5340\u584a\u93c8\u900f\u904e\u667a\u6167\u5408\u7d04\u89e3\u9664\u5354\u529b\u5ee0\u5546\u7684\u4e2d\u4ecb\u89d2\u8272\u4e26\u4f7f\u6d41\u7a0b\u81ea\u52d5\u5316\uff0c\u5f9e\u800c\u964d\u4f4e\u71df\u904b\u6210\u672c\u3002\u7ba1\u7406\u8cbb\u7528\u548c\u8655\u7406\u8cbb\u7528\u7684\u6e1b\u5c11\u70ba\u7d42\u7aef\u7528\u6236\u5e36\u4f86\u4e86\u66f4\u7d93\u6fdf\u5be6\u60e0\u7684\u670d\u52d9\uff0c\u4e5f\u70ba\u6a5f\u69cb\u5e36\u4f86\u4e86\u66f4\u9ad8\u7684\u5229\u6f64\u3002Juniper Research \u4f30\u8a08\u5340\u584a\u93c8\u5c07\u70ba\u9280\u884c\u7bc0\u7701\u9ad8\u9054 <strong>\u5230 2030 \u5e74\uff0c\u8de8\u5883\u7d50\u7b97\u6210\u672c\u70ba $27 \u5104\u7f8e\u5143<\/strong>.<\/p>\n<\/li>\n<li>\n<p><strong>\u6539\u5584\u8cc7\u6599\u5b8c\u6574\u6027\u8207\u5b58\u53d6\u63a7\u5236\uff1a<\/strong> \u5340\u584a\u93c8\u4e0a\u7684\u8cc7\u6599\u662f\u9632\u7be1\u6539\u548c\u5b89\u5168\u5132\u5b58\u7684\u3002\u7d44\u7e54\u53ef\u4ee5\u5c0d\u8ab0\u770b\u5230\u4ec0\u9ebc\u8cc7\u8a0a\u9032\u884c\u7d30\u7c92\u5ea6\u63a7\u5236\uff0c\u5728\u9700\u8981\u6642\u78ba\u4fdd\u96b1\u79c1\u548c\u6a5f\u5bc6\u6027\uff0c\u540c\u6642\u4fdd\u6301\u5171\u7528\u8cc7\u6599\u7684\u5b8c\u6574\u6027\u3002<\/p>\n<\/li>\n<\/ul>\n<h2 id=\"transformative-use-cases-blockchain-in-action\">\u8b8a\u9769\u6027\u4f7f\u7528\u6848\u4f8b\uff1a\u5be6\u8e10\u4e2d\u7684\u5340\u584a\u93c8<\/h2>\n<p>\u5340\u584a\u93c8\u7684\u7406\u8ad6\u512a\u52e2\u6b63\u5728\u6574\u500b\u91d1\u878d\u9818\u57df\u7684\u5be6\u969b\u3001\u5f37\u5927\u61c9\u7528\u4e2d\u5be6\u73fe\u3002<\/p>\n<h3 id=\"1-cross-border-payments-and-remittances\">1.\u8de8\u5883\u652f\u4ed8\u548c\u532f\u6b3e<\/h3>\n<p>\u9019\u662f\u6700\u7a81\u51fa\u7684\u4f7f\u7528\u6848\u4f8b\u4e4b\u4e00\u3002\u516c\u53f8\u5982 <strong>\u6f23\u6f2a<\/strong> \u5df2\u5efa\u7acb\u4e86\u57fa\u65bc\u5340\u584a\u93c8\u7684\u7db2\u8def\uff0c\u53ef\u4fc3\u9032\u8ca8\u5e63\u9593\u7684\u5373\u6642\u7d50\u7b97\uff0c\u5927\u5e45\u964d\u4f4e\u570b\u969b\u532f\u6b3e\u7684\u6642\u9593\u548c\u6210\u672c\u3002\u6574\u5408\u7a69\u5b9a\u5e63\uff0c\u4f8b\u5982 <strong>USDC<\/strong> \u548c <strong>PYUSD<\/strong> \u5728 Coinbase \u548c PayPal \u7b49\u5e73\u53f0\u4e0a\uff0c\u9032\u4e00\u6b65\u63d0\u4f9b\u66f4\u5feb\u3001\u66f4\u5be6\u60e0\u7684\u50b3\u7d71\u96fb\u532f\u66ff\u4ee3\u65b9\u6848\u3002<\/p>\n<h3 id=\"2-smart-contracts-in-lending-and-insurance\">2.\u667a\u80fd\u5408\u7d04\u5728\u501f\u8cb8\u548c\u4fdd\u96aa\u4e2d\u7684\u61c9\u7528<\/h3>\n<p>\u667a\u6167\u5951\u7d04\u6b63\u5728\u81ea\u52d5\u5316\u8907\u96dc\u7684\u91d1\u878d\u5354\u8b70\u3002\u5728\u501f\u8cb8\u65b9\u9762\uff0c\u5206\u6563\u5f0f\u5e73\u53f0\u5982 <strong>Aave<\/strong> \u5141\u8a31\u4f7f\u7528\u8005\u5728\u6c92\u6709\u50b3\u7d71\u9280\u884c\u7684\u60c5\u6cc1\u4e0b\uff0c\u9032\u884c\u9ede\u5c0d\u9ede\u7684\u8cc7\u7522\u501f\u8cb8\uff0c\u7c21\u5316\u64cd\u4f5c\u4e26\u964d\u4f4e\u6210\u672c\u3002\u5728\u4fdd\u96aa\u696d\uff0c\u50cf <strong>Ensuro<\/strong> \u4f7f\u7528\u667a\u6167\u578b\u5951\u7d04\u81ea\u4e3b\u7ba1\u7406\u98a8\u96aa\u6c60\u3001\u6536\u53d6\u4fdd\u8cbb\u548c\u8655\u7406\u7406\u8ce0\uff0c\u5927\u5e45\u964d\u4f4e\u884c\u653f\u958b\u92b7\u3002<\/p>\n<h3 id=\"3-securities-and-capital-markets\">3.\u8b49\u5238\u8207\u8cc7\u672c\u5e02\u5834<\/h3>\n<p>\u5340\u584a\u93c8\u5c07\u80a1\u7968\u3001\u50b5\u5238\u548c\u623f\u5730\u7522\u7b49\u50b3\u7d71\u8cc7\u7522\u4ee3\u5e63\u5316\uff0c\u6b63\u5728\u5fb9\u5e95\u6539\u8b8a\u8cc7\u672c\u5e02\u5834\u3002\u9019 <strong>\u4ee4\u724c\u5316<\/strong> \u5141\u8a31\u90e8\u5206\u64c1\u6709\u6b0a\uff0c\u8b93\u66f4\u591a\u4eba\u53ef\u4ee5\u9032\u884c\u6295\u8cc7\uff0c\u4e26\u91cb\u653e\u904e\u53bb\u7f3a\u4e4f\u6d41\u52d5\u6027\u7684\u5e02\u5834\u7684\u6d41\u52d5\u6027\u3002\u6a5f\u69cb\u5982 <strong>\u5dde\u8857<\/strong> \u5df2\u8207\u52a0\u5bc6\u516c\u53f8\u5408\u4f5c\uff0c\u63d0\u4f9b\u50b3\u7d71\u8cc7\u7522\u7684\u4ee3\u5e63\u5316\u7248\u672c\uff0c\u4ee5\u6eff\u8db3\u4e0d\u65b7\u589e\u9577\u7684\u6a5f\u69cb\u9700\u6c42\u3002\u8a72\u6280\u8853\u9084\u901a\u904e\u63d0\u4f9b\u55ae\u4e00\u771f\u76f8\u4f86\u6e90\u3001\u964d\u4f4e\u4ea4\u6613\u5c0d\u624b\u98a8\u96aa\u3001\u5c07\u7d50\u7b97\u6642\u9593\u5f9e\u6578\u5929\u7e2e\u77ed\u81f3\u6578\u5206\u9418\u7b49\u65b9\u5f0f\uff0c\u7c21\u5316\u4e86\u6574\u500b\u4ea4\u6613\u5f8c\u751f\u547d\u9031\u671f\uff08\u6e05\u7b97\u3001\u7d50\u7b97\u548c\u8cc7\u7522\u670d\u52d9\uff09\u3002<\/p>\n<h3 id=\"4-decentralized-finance-defi\">4.\u5206\u6563\u5f0f\u878d\u8cc7 (DeFi)<\/h3>\n<p>DeFi 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id=\"5-fraud-prevention-and-identity-verification\">5.\u9632\u6b62\u6b3a\u8a50\u548c\u8eab\u4efd\u9a57\u8b49<\/h3>\n<p>\u5340\u584a\u93c8\u7e3d\u5e33\u7684\u4e0d\u53ef\u8b8a\u6027\u70ba\u6240\u6709\u4ea4\u6613\u63d0\u4f9b\u4e86\u5b89\u5168\u4e14\u53ef\u9a57\u8b49\u7684\u5be9\u8a08\u8ffd\u8e64\uff0c\u4f7f\u5176\u6210\u70ba\u53cd\u6b3a\u8a50\u548c\u98a8\u96aa\u7ba1\u7406\u63aa\u65bd\u7684\u5f37\u5927\u5de5\u5177\u3002\u6b64\u5916\uff0c\u4ee5\u5340\u584a\u93c8\u70ba\u57fa\u790e\u7684\u6578\u4f4d\u8eab\u5206\u89e3\u6c7a\u65b9\u6848\uff0c\u7531\u4e0b\u5217\u5c08\u6848\u7387\u5148\u63a8\u51fa <strong>\u7d22\u592b\u6797<\/strong> \u548c <strong>\u9023\u63a5\u57e0<\/strong>\u60a8\u53ef\u4ee5\u900f\u904e\u300c\u500b\u4eba\u8cc7\u6599\u300d(Personal Data)\uff0c\u8b93\u4f7f\u7528\u8005\u63a7\u5236\u5176\u500b\u4eba\u8cc7\u6599\u3002\u9019\u53ef\u4ee5\u7c21\u5316\u4e26\u4fdd\u969c\u300c\u8a8d\u8b58\u60a8\u7684\u5ba2\u6236\u300d(KYC) \u548c\u300c\u53cd\u6d17\u9322\u300d(AML) 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\u7684 Food Trust \u7db2\u8def\u8ffd\u8e64\u98df\u54c1\u4f86\u6e90\uff0c\u5c31\u662f\u9019\u9805\u6280\u8853\u7684\u6700\u4f73\u5be6\u4f8b\u3002<\/p>\n<h2 id=\"navigating-the-implementation-challenges\">\u514b\u670d\u5be6\u65bd\u4e0a\u7684\u6311\u6230<\/h2>\n<p>\u5118\u7ba1\u5340\u584a\u93c8\u5177\u6709\u6f5b\u529b\uff0c\u4f46\u5c07\u5176\u6574\u5408\u5230\u73fe\u6709\u7684\u91d1\u878d\u57fa\u790e\u8a2d\u65bd\u4e2d\u4e26\u975e\u6c92\u6709\u969c\u7919\u3002<\/p>\n<ul>\n<li>\n<p><strong>\u6cd5\u898f\u7684\u4e0d\u78ba\u5b9a\u6027\uff1a<\/strong> \u5168\u7403\u7f3a\u4e4f\u4e00\u81f4\u7684\u76e3\u7ba1\u67b6\u69cb\uff0c\u9020\u6210\u91d1\u878d\u79d1\u6280\u516c\u53f8\u8de8\u570b\u71df\u904b\u7684\u8907\u96dc\u6027\u3002\u5728\u4e0d\u540c\u7684\u6cd5\u5f8b\u8a6e\u91cb\u4e2d\u904a\u5203\u6709\u9918\uff0c\u9700\u8981\u5be9\u614e\u898f\u5283\u4e26\u8207\u76e3\u7ba1\u6a5f\u69cb\u6e9d\u901a\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u64f4\u5145\u6027\u8207\u6548\u80fd\uff1a<\/strong> \u4e00\u4e9b\u5340\u584a\u93c8\u7db2\u8def\u5728\u4ea4\u6613\u541e\u5410\u91cf\u548c\u901f\u5ea6\u65b9\u9762\u9762\u81e8\u9650\u5236\u3002\u7136\u800c\uff0c\u5171\u8b58\u6a5f\u5236 (\u5982\u6b0a\u76ca\u8b49\u660e) \u548c\u7b2c 2 \u5c64\u64f4\u5145\u89e3\u6c7a\u65b9\u6848\u7684\u9032\u6b65\u6b63\u9010\u6b65\u514b\u670d\u9019\u4e9b\u6311\u6230\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u8207\u50b3\u7d71\u7cfb\u7d71\u6574\u5408\uff1a<\/strong> \u5c07\u5c16\u7aef\u7684\u5206\u6563\u5f0f\u6280\u8853\u8207\u6709\u6578\u5341\u5e74\u6b77\u53f2\u7684\u50b3\u7d71\u7cfb\u7d71\u76f8\u929c\u63a5\u662f\u8907\u96dc\u4e14\u6602\u8cb4\u7684\u3002\u9019\u53ef\u4ee5\u900f\u904e\u4f7f\u7528\u4e2d\u9593\u4ef6\u548c\u91cf\u8eab\u6253\u9020\u7684 API \u4f86\u7de9\u89e3\uff0c\u4ee5\u4fbf\u9032\u884c\u5206\u968e\u6bb5\u7684\u7b56\u7565\u6027\u5be6\u65bd\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u8cc7\u6599\u96b1\u79c1\uff1a<\/strong> \u516c\u5171\u5340\u584a\u93c8\u7684\u900f\u660e\u6027\u53ef\u80fd\u8207\u91d1\u878d\u96b1\u79c1\u8981\u6c42\uff08\u5982 GDPR\uff09\u76f8\u885d\u7a81\u3002\u76ee\u524d\u6b63\u901a\u904e\u958b\u767c\u96f6\u77e5\u8b58\u8b49\u660e\u7b49\u96b1\u79c1\u589e\u5f37\u6280\u8853\u4f86\u89e3\u6c7a\u9019\u4e00\u554f\u984c\uff0c\u9019\u4e9b\u6280\u8853\u5141\u8a31\u5728\u4e0d\u900f\u9732\u57fa\u790e\u6578\u64da\u7684\u60c5\u6cc1\u4e0b\u9032\u884c\u4ea4\u6613\u9a57\u8b49\u3002<\/p>\n<\/li>\n<\/ul>\n<h2 id=\"the-future-is-programmable\">\u672a\u4f86\u662f\u53ef\u7a0b\u5f0f\u5316\u7684<\/h2>\n<p>\u5340\u584a\u93c8\u8207\u4eba\u5de5\u667a\u80fd\u7b49\u5176\u4ed6\u6280\u8853\u7684\u878d\u5408\u5fc5\u5c07\u52a0\u6df1\u5176\u5f71\u97ff\u3002\u5340\u584a\u93c8\u63d0\u4f9b\u5b89\u5168\u3001\u900f\u660e\u4e14\u53ef\u7a3d\u6838\u7684\u8cc7\u6599\u5c64\uff0c\u53ef\u5b9a\u7fa9\u4e26\u5f37\u5236\u57f7\u884c AI \u9a45\u52d5\u7684\u81ea\u52d5\u5316\u884c\u52d5\u898f\u5247\uff0c\u78ba\u4fdd\u81ea\u4e3b\u7cfb\u7d71\u7684\u554f\u8cac\u6027\u3002<\/p>\n<p>\u91d1\u878d\u79d1\u6280\u7684\u672a\u4f86\u5728\u65bc <strong>\u53ef\u7a0b\u5f0f\u8ca1\u52d9<\/strong>.\u91d1\u878d\u5de5\u5177\u7684\u6578\u4f4d\u5316 - \u6210\u70ba\u6578\u4f4d\u8cc7\u7522\u3001\u667a\u6167\u5408\u7d04\u548c\u53ef\u7de8\u7a0b\u8ca8\u5e63 - \u5275\u9020\u4e86\u524d\u6240\u672a\u6709\u7684\u9023\u7dda\u6027\u548c\u81ea\u52d5\u5316\u6c34\u6e96\u3002\u50f9\u503c\u8207\u908f\u8f2f\u76f4\u63a5\u5167\u5efa\u65bc\u8cc7\u7522\u8207\u6d41\u7a0b\u4e2d\uff0c\u5275\u9020\u51fa\u6548\u7387\u3001\u5ba2\u88fd\u5316\u8207\u53ef\u5f97\u6027\u7684\u65b0\u5178\u7bc4\u3002<\/p>\n<h2 id=\"conclusion\">\u7e3d\u7d50<\/h2>\n<p>\u5340\u584a\u93c8\u6280\u8853\u5728\u91d1\u878d\u79d1\u6280\u9818\u57df\u7684\u61c9\u7528\u5df2\u7d93\u8d85\u8d8a\u4e86\u7406\u8ad6\u4e0a\u7684\u627f\u8afe\uff0c\u8f49\u5411\u5be6\u969b\u7684\u3001\u4ee5\u50f9\u503c\u70ba\u5c0e\u5411\u7684\u61c9\u7528\u3002\u5b83\u4e0d\u518d\u662f\u4e00\u500b <em>\u5982\u679c<\/em> \u4f46\u662f <em>\u5982\u4f55<\/em> \u548c <em>\u7576<\/em> \u50b3\u7d71\u91d1\u878d\u5c07\u5168\u9762\u8fce\u63a5\u9019\u5834\u8b8a\u9769\u3002\u5f9e\u8b93\u8de8\u5883\u652f\u4ed8\u8b8a\u5f97\u7121\u7e2b\u4e14\u4fbf\u5b9c\uff0c\u5230\u900f\u904e\u4ee3\u5e63\u5316\u548c DeFi \u8b93\u8cc7\u91d1\u5b58\u53d6\u6c11\u4e3b\u5316\uff0c\u5340\u584a\u93c8\u6b63\u5728\u62c6\u9664\u969c\u7919\uff0c\u5efa\u7acb\u4e00\u500b\u66f4\u6709\u5f48\u6027\u3001\u66f4\u958b\u653e\u3001\u66f4\u6709\u6548\u7387\u7684\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u3002<\/p>\n<p>\u80fd\u5920\u8301\u58ef\u6210\u9577\u7684\u6a5f\u69cb\uff0c\u90fd\u80fd\u8a8d\u6e05\u9019\u4e00\u8f49\u8b8a\u4e26\u975e\u5a01\u8105\uff0c\u800c\u662f\u5275\u65b0\u3001\u964d\u4f4e\u6210\u672c\u3001\u70ba\u5ba2\u6236\u63d0\u4f9b\u5353\u8d8a\u50f9\u503c\u7684\u7d55\u4f73\u6a5f\u6703\u3002\u91d1\u878d\u79d1\u6280\u7684\u5340\u584a\u93c8\u9769\u547d\u5df2\u7d93\u4f86\u81e8\uff0c\u5b83\u6b63\u5728\u6211\u5011\u773c\u524d\u91cd\u5851\u8ca8\u5e63\u4e16\u754c\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>The Blockchain Revolution in Fintech: Reshaping Payments, Lending, and Capital Markets The financial technology landscape is undergoing a seismic shift, driven by the relentless advancement of blockchain technology. Far from being just the backbone of cryptocurrencies, blockchain is now fundamentally re-engineering the core pillars of modern finance: payments, lending, and securities trading. This transformation is [&hellip;]<\/p>","protected":false},"author":1,"featured_media":3854,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[34],"tags":[],"class_list":["post-3855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-knowledge"],"_links":{"self":[{"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/posts\/3855","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/comments?post=3855"}],"version-history":[{"count":0,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/posts\/3855\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/media\/3854"}],"wp:attachment":[{"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/media?parent=3855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/categories?post=3855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/theexchain.com\/zh\/wp-json\/wp\/v2\/tags?post=3855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}