金融科技推動穩定幣新時代的崛起

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Create a hyper-realistic cinematic scene inside a traditional Wing Chun training hall. The man from the uploaded reference image is training at a wooden dummy with Ip Man standing beside him, personally correcting his technique. Keep both faces accurate to the reference image: exact skin tone, hairstyle, age, expression, and natural sweat on their skin.
Both wear classic black Wing Chun uniforms with white cuffs. Show Ip Man’s calm, focused guidance as he places his hands near the student’s arms on the wooden dummy. Capture the wooden dummy with polished texture and rich warm tones.
Include authentic Chinese decor: calligraphy scrolls, carved wooden frames, soft lantern light, and other students blurred in the background. Use shallow depth of field, warm natural lighting from the windows, and crisp detail on clothing and skin. The scene should feel like a still frame from an Ip Man movie, grounded, disciplined, and cinematic.
{
"intro": "Create an ultra realistic 8K UHD DSLR photo based on the attached image as a reference of facial features, maintaining 100% likeness.",

"subject": {
"identity": "A stylish beautiful woman portrayed as Cleopatra during her sacred milk bath beauty ritual, embodying divine femininity, sensual elegance, and timeless power.",
"angle": "Close-up beauty editorial captured at a refined 3/4 angle, focusing on her face, shoulders, and upper chest with extreme clarity and no blur.",
"pose": {
"body_position": "She is partially submerged in a luxurious milk bath, her shoulders and collarbones emerging gracefully from the surface.",
"hands": "One hand gently rests at the edge of the bath with milk droplets on her fingers, while the other lightly touches her neck adorned with subtle gold jewelry.",
"expression": "Soft yet commanding gaze directed toward the camera—calm, confident, intimate, and hypnotic."
}
},

"appearance": {
"outfit": "A barely-there, ritual-style ivory silk drape partially submerged in the milk bath, clinging softly to her skin. The fabric is delicate and translucent, edged with fine gold-thread embroidery for a sensual, sacred aesthetic.",
"accessories": "Minimal ritual jewelry—thin gold collar necklace resting above the milk surface, delicate arm cuff, subtle finger ring—kept refined to maintain focus on beauty and skin.",
"hair": "Her hair is sleek and ritual-polished, partially damp and slicked back at the crown, with soft wet strands framing her face naturally, reflecting candlelight.",
"makeup": "High-fashion Cleopatra beauty makeup with ceremonial artistry—perfectly sculpted brows, elongated black kohl eyeliner, vibrant eyeshadow layered in turquoise, teal, emerald, sapphire blue, and metallic gold. Beneath the eyes, subtle artistic ink-inspired accents echo ancient Egyptian symbolism. Her skin is luminous and dewy, cheeks softly flushed, and lips finished in a nude-rose satin sheen."
},

"ritual_props": {
"bath": "A carved alabaster bathtub filled with warm milk infused with honey, almond oil, and lotus essence.",
"floating_elements": [
"Fresh lotus flowers",
"Soft white rose petals",
"Delicate gold flakes shimmering on the milk surface"
],
"beauty_products": [
"Small golden perfume vial with lotus and myrrh oil",
"Alabaster bowl of honey and milk mixture",
"Clay jar of mineral kohl and pigment powders"
]
},

"background": {
"macro_environment": "An intimate royal bathing chamber within Cleopatra’s palace, designed as a sacred beauty sanctuary.",
"midground_details": "Soft linen curtains, glowing oil lamps, tall candles, and subtle steam rising from the bath, creating a warm and sensual atmosphere.",
"micro_elements": "Milk ripples around her skin, floating petals touching her shoulders, tiny droplets of moisture on her collarbones, reflections of candle flames on gold jewelry, visible stone texture on the tub, and delicate fabric translucency—every detail sharply rendered with zero blur."
},

"lighting": {
"type": "Warm cinematic candlelight combined with soft ambient palace glow.",
"effect": "Golden highlights sculpt her face and skin while gentle shadows enhance depth, intimacy, and divine beauty."
},

"camera": {
"camera_type": "DSLR",
"resolution": "8K UHD",
"lens": "85mm prime lens for beauty editorial compression",
"aperture": "f/8 for maximum facial and detail sharpness",
"iso": 100,
"shutter_speed": "1/160s",
"focus": "Extreme sharp focus on facial features, skin texture, makeup details, and milk surface, no bokeh, no blur"
},

"style": "Luxury beauty editorial, sacred milk bath ritual, ancient Egyptian goddess realism, intimate yet powerful, ultra-detailed, luminous skin focus, cinematic elegance"
}
A full-body studio portrait of an elderly man with a bald head and a long, thick white beard, standing confidently beside a muscular grey pit bull dog. The man wears layered monochromatic olive-green tactical fashion: a quilted asymmetric jacket with mixed textures, loose padded cargo pants, and rugged military-style sneakers. His hands rest casually in his pockets as he gazes thoughtfully to the side, calm and powerful. The dog sits alert at his side, wearing a black studded collar, matching the strong, loyal aesthetic. Minimalist studio background in soft matte olive green, seamless floor and wall. Soft cinematic lighting with subtle shadows, high fashion editorial style, ultra-detailed fabric textures, muted earthy color palette, sharp focus, realistic skin tones, dramatic yet elegant mood, 8K resolution, professional fashion photography, Vogue editorial, modern urban warrior aesthetic.

金融科技與新型銀行推動穩定幣的下一個時代

隨著GENIUS法案的通過,穩定幣的使用正在被一群不斷增長的金融科技公司和新型銀行推動,這些公司將穩定幣整合進他們的產品和服務中,進入傳統系統在經濟或運營上無法做到的領域,從而增強了他們的競爭優勢。

這些挑戰者系統為人們和企業提供了一種直接的方式,使他們能夠更輕鬆地在移動錢包中存取穩定價值;應對超通脹和貨幣波動帶來的金融穩定問題;進行匯款和其他跨境交易;獲取信貸和儲蓄;最終實時消費或使用他們的持有資產。

這種獲取、賺取和消費可編程貨幣的能力創造了一種穩定幣的操作流程——一個有望真正實現金融獲取民主化並促進廣泛經濟包容的操作手冊。

穩定幣促進獲取

首先,穩定幣從金融獲取的角度提供了明確且基本的好處。根據報告,全球仍有超過十億成年人被排除在金融系統之外,穩定幣為他們提供了一個簡單且即時的進入美金的途徑。

特別是在全球南方和新興市場,穩定幣作為一種潛在波動的本地貨幣的穩定替代品,成為可靠的價值儲存方式。

對於面對貨幣波動的企業和個人來說,穩定幣已經帶來了革命性的變化。在阿根廷,年通脹率超過100%的情況下,小企業和自由職業者越來越多地使用USDC和USDT來開具國際客戶的發票、支付工資和保護他們的收入。

在拉丁美洲,穩定幣在某些匯款通道中占據了近30%的份額。同時,土耳其等國家也將USDT作為對抗通脹和貨幣貶值風險的對沖工具。

金融科技公司正在介入,為歷史上未被充分服務的個人和企業提供美元訪問,並在某些情況下提供銀行服務,進入傳統系統在經濟、運營或技術上無法做到的領域。

賺取的能力

隨著穩定幣市場市值超過2650億美元,穩定幣的“賺取”提議標誌著其演變的下一階段。為此,許多金融科技公司和新型銀行也在整合區塊鏈驅動的產品和服務,使他們的客戶能夠在穩定幣持有中獲得或接收獎勵。

在某些情況下,加密貨幣交易所將去中心化金融借貸平台直接整合到他們的交易所或非保管錢包中,允許用戶借出穩定幣並獲得回報。在其他情況下,企業可以進入不斷增長的代幣化貨幣市場基金生態系統。

這一能力為面對高通脹或有限的傳統儲蓄工具的人們提供了有力的解藥。在新興和發展中國家,只有四分之一的成年人使用儲蓄賬戶,那些通常未被傳統銀行基礎設施充分服務的人們現在可以更輕鬆地讓他們的資金發揮作用。

在尼日利亞,Fonbank使用戶能夠將收入轉換為以美元計價的穩定幣,並訪問提供高於當地銀行利率的鏈上儲蓄產品。這些工具允許用戶保值、賺取被動收入,並通過手機避開當地貨幣貶值的風險。

隨著移動和全球互聯網滲透率的持續上升,金融科技公司不僅有機會跟上,還有機會超越某些傳統銀行。

消費的時機

穩定幣的最終目標是成為主要的交易媒介,使用戶能夠在不需要將其轉換為法定貨幣的情況下進行交易。在這一“消費”階段,它們從數字資產轉變為更普遍的支付工具。

平台已經在實現這一目標,推出了穩定幣支持的卡片,使用戶能夠通過在任何接受Visa的地方輕觸支付來進行即時、低成本的跨境支付和日常購物。對於新興和發展市場,這為繞過昂貴的匯款費用、緩慢的銀行轉賬和有限的銀行訪問提供了一種重要方式,根本改善了金融包容性。

一些公司甚至在其消費中增添了加密貨幣或穩定幣獎勵計劃,創造了一種方式,使日常消費進一步推動數字採用和參與。

從“加密賭場”到現實世界的實用性

最終,儘管全球對穩定幣的分類和實用性仍存在爭論,但一個高效且包容的金融系統已經在構建中。金融科技公司和新型銀行已經證明,穩定幣通過其不斷演變的存儲、賺取和支付能力,成為提供全新資產和能力以及擴展全球業務的重要組成部分。

穩定幣的採用是一個迅速展開的現實,展示了可編程貨幣在超越加密賭場的無可否認的價值。

根據報告,2024年穩定幣的轉移量已經超過了Visa和Mastercard的總和。穩定幣曾被視為主要的投機或交易流動性工具,但現在正迅速變成一種更基本的東西:可編程貨幣,可以作為負責任的全球數字金融的基礎。

這篇文章旨在提供一般資訊,並不應被視為法律或投資建議。此處表達的觀點、想法和意見僅代表作者本人,並不一定反映或代表Cointelegraph的觀點和意見。

在這篇文章中,Morgan Krupetsky深入探討了金融科技和新型銀行如何推動穩定幣的普及,並強調了其在全球經濟中的潛力。隨著金融科技的發展,我們看到的並不僅僅是技術的進步,更是對於傳統金融體系的挑戰和改變。穩定幣的普及不僅能夠改善金融包容性,還能為那些在傳統銀行系統中被忽視的人群提供新的機會。這種變化不僅是技術上的創新,更是社會經濟結構的一次深刻變革。未來,穩定幣有可能成為全球金融生態系統中不可或缺的一部分,這對於全球經濟的發展將帶來深遠的影響。

以上文章由特價GPT API KEY所翻譯及撰寫。而圖片則由FLUX根據內容自動生成。