去中心化金融 (DeFi) 通常被认为是一种可能使传统银行一劳永逸的运动-消除中介机构，并为消费者提供他们可能不习惯的自由度和选择度.
但是还有另一种叙述, 不会让DeFi与银行对抗. 如果这些创新协议可以帮助为老式金融机构提供急需的现代化服务，从而使它们能够以更具成本效益的方式提供更高水平的服务，那该怎么办？?
甚至在数字资产尚未出现之前, 许多银行都在努力适应突发事件, 大规模转向在线和移动银行. Lenders that have existed for hundreds of years were suddenly having to invest countless millions of dollars in resilient websites and apps that would allow customers to access bank balances on the go. Yet at the same time, most brands felt obliged to maintain their expansive networks of branches to ensure that older or less technologically savvy clients weren’t left behind.
Over the past decade, bank closures have accelerated. 在美国。, figures from the Federal Deposit Insurance Corporation suggest that 4,500 branches have shut their doors for good since 2010 — approximately 6% of the total. There have been even more closures in the U.K. 从 2012 至 2019, there was a 22% fall in the number of banks on high streets. With vast numbers embracing digital banking (一些是不必要的，因为它们最近的分支距离太远), 所有这些地点保持开放在财务上是不可持续的.
即使消费者接受，他们也不必在亭子后面摆出友好的面孔, 实体银行的消失有可能伤害他们的口袋, 太. 全球城镇免费使用的自动提款机数量急剧下降，加剧了分支机构的关闭. 特别是在农村地区, 这意味着许多人别无选择，只能使用银行网络之外的自动取款机，而且平均而言, 这个费用 $4.64 每笔交易 2020. 对于那些只需要退出的人 $100, 这可能是异常禁止的.
自动取款机的匮乏变得如此极端，以至于, in one part of New Zealand, there’s only one ATM in the 418km that separate the rural communities of Wanaka and Hokitika. Good luck if you run out of gas and a petrol station doesn’t accept cards. 英国. is also considering whether it should force retailers to offer cashback to all consumers — irrespective of whether they make a purchase or not.
How can DeFi help?
Given the staggering costs associated with using private cash machines, it’s little wonder that DeFi could offer an arresting alternative for consumers who want lower fees. Although Ethereum’s scalability issues did cause transaction fees to spike to almost $15 at the start of September, the vast array of blockchains and payment networks in the industry can help to drive these costs back down. 在某些平台上，转账只需几分钱即可执行, 银行开始静坐，意识到他们需要提高竞争力……否则在迅速发展的格局中变得无关紧要的风险.
从DeFi的书中删除一些内容也可以帮助该行业克服数字时代无法接受的反复的技术难题. 似乎每周, 银行应用程序出现了新的头条新闻，这些应用程序通常在发薪日都遭受了大范围的中断，从而使消费者无法使用自己的帐户, 一些人发现他们的卡在超市里被拒绝了，因为还没有付款. 鉴于其分散的性质以及发生问题时，区块链中断的情况要少得多, 通常是集中交换而不是技术本身. (当然, 停电并非不可能. 十一月. 12, 由于基础设施提供商Infura和Blockchair的违规行为，以太坊遭受了破坏。)
DeFi可以提供的优势不止于此. 世界银行的数据显示，在中低收入国家，银行是最昂贵的汇款途径-从最需要这些钱的人的收入中夺走了很大一部分. 侮辱伤害, 古老的系统通常意味着付款延迟很长, 可能要过几天才能完成国际转移. DeFi可以帮助降低这些成本，甚至可以完全消除它们, 在几秒钟内将资金从A转移到B.
DeFi, 至少现在, also has the upper hand when it comes to interest. The rates for saving offered by many financial institutions have taken a hit — and in some countries, 1% is a good deal right now. The peer-to-peer nature of these protocols also make it easier for borrowers to gain access to credit, whereas banks can be notoriously choosy about who they let onto their books.
The benefits for banks
Now you may be wondering… given all of these high fees, wouldn’t banks prefer to trouser the profits?
Not so, according to Cryptoenter. The blockchain infrastructure platform says it isn’t interested in competing with companies that already exist in the financial market. 代替, its top priority is helping banks to facilitate fiat and crypto transfers in real time and erase boundaries between the two worlds, through technology that can be integrated into existing systems. Well-designed, fiat-focused IT systems may only be 30% 至 50% cheaper than brick-and-mortar operations, but by contrast, Cryptoenter says the cost of its infrastructure is “virtually negligible.” Given how more and more banks are beginning to explore blockchain for the first time, this can help eliminate the high costs of entering the market.
The company’s goal is to provide DeFi services with banking-like levels of reliability — enabling banks to access new financial instruments without losing control over liquidity. According to Cryptoenter, its technology can deliver branchless banking through a network of connected retail outlets, delivering greater coverage in hard-to-reach regions. Remittances of any value can be transferred at a maximum cost of $1, and tests of its infrastructure suggest that it is capable of processing over 1,000 transactions per second — more if regions and countries are segmented into separate blockchain networks.
The platform also offers market expansion offerings, which help encourage investments in cryptocurrency startups while giving backers the assurance that products will be released on time. Strict restrictions are also placed on how investor funds can be used, and recipients are obliged to offer regular updates on how projects are progressing to the community.
At Cryptoenter’s core is Hyperledger Fabric, a blockchain that already counts IBM, Intel and major financial institutions such as JPMorgan, 签证, Swift and the Bank of England among its members.
“Banks need to respond to modern challenges and transform the range of services offered to customers. Decentralized finance will expand the functionality offered to customers, thereby increasing loyalty and end users. 使用DeFi, banks can move to the next level of financial services without losing customers,” Pavel Lvov, the CEO of Cryptoenter, 告诉Cointelegraph.
As countries around the world explore central bank digital currencies far more aggressively, assets including cryptocurrencies are only going to become a bigger part of our everyday lives. 现在, 球在银行部门的法庭上–他们有机会通过尽早采用这项技术来领先于曲线.
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