{"id":4113,"date":"2026-05-23T04:48:29","date_gmt":"2026-05-22T20:48:29","guid":{"rendered":"http:\/\/www.jineng168.com\/?p=4113"},"modified":"2026-05-23T04:48:29","modified_gmt":"2026-05-22T20:48:29","slug":"web3-%e6%94%af%e4%bb%98%e4%b8%87%e5%ad%97%e7%a0%94%e6%8a%a5%ef%bc%9a2025-%e5%b9%b4%ef%bc%8c%e7%a8%b3%e5%ae%9a%e5%b8%81%e5%9c%a8%e9%9d%9e%e6%b4%b2","status":"publish","type":"post","link":"http:\/\/www.jineng168.com\/?p=4113","title":{"rendered":"Web3 \u652f\u4ed8\u4e07\u5b57\u7814\u62a5\uff1a2025 \u5e74\uff0c\u7a33\u5b9a\u5e01\u5728\u975e\u6d32"},"content":{"rendered":"<h1 class=\"art_tit\">Web3 \u652f\u4ed8\u4e07\u5b57\u7814\u62a5\uff1a2025 \u5e74\uff0c\u7a33\u5b9a\u5e01\u5728\u975e\u6d32<\/h1>\n<div class=\"content_text\">\n<div class=\"quote\">                        \u6bcf\u4e2a\u4eba\u770b\u5230\u7684\u5207\u9762\u4e0d\u540c\uff0c\u4f46\u90fd\u6307\u5411\u540c\u4e00\u4e2a\u672a\u6765\u3002                    <\/div>\n<p><span>\u4f5c\u8005\uff1aWill \u963f\u671b<\/span><\/p>\n<h2><strong>\u524d\u8a00<\/strong><\/h2>\n<h3><strong>\u4e16\u754c\u662f\u5e73\u7684<\/strong><\/h3>\n<p>\u6211\u4eec\u7684\u4e16\u754c\u5df2\u4ece\u5b64\u7acb\u7684\u5730\u65b9\u7ecf\u6d4e\u4f53\uff0c\u901a\u8fc7\u4e92\u8054\u7f51\u7684\u5168\u7403\u94fe\u63a5\uff0c\u8f6c\u53d8\u4e3a\u7d27\u5bc6\u4e92\u8054\u7684\u5168\u7403\u4f53\u7cfb\uff0cThomas L. Friedman \u4e5f\u56e0\u6b64\u8868\u793a\u201c\u4e16\u754c\u662f\u5e73\u7684\u201d\u3002\u5c3d\u7ba1\u4e92\u8054\u7f51\u8ba9\u4fe1\u606f\u7684\u6d41\u8f6c\u53d8\u5f97\u514d\u8d39\u4e14\u5168\u7403\u5316\uff0c\u652f\u6491\u8d44\u91d1\u6d41\u8f6c\u7684\u57fa\u7840\u8bbe\u65bd\uff0c\u4ecd\u7136\u4e3b\u8981\u4f9d\u8d56\u4e8e\u4e92\u8054\u7f51\u65f6\u4ee3\u4e4b\u524d\u7684\u6846\u67b6\uff0c<strong>\u8d44\u91d1\/\u4ef7\u503c\u7684\u6d41\u8f6c\u4f9d\u65e7\u5982\u6b64\u56f0\u96be\u548c\u6602\u8d35\u3002<\/strong><\/p>\n<p>\u5c3d\u7ba1\u4e00\u4e9b\u5730\u57df\u6027\u7684\u91d1\u878d\u521b\u65b0\u80fd\u591f\u52a0\u901f\u8d44\u91d1\u7684\u6d41\u8f6c\uff0c\u4f46\u662f\u652f\u6491\u975e\u6d32\u7684\u91d1\u878d\u8f68\u9053\u5374\u672a\u80fd\u5f97\u5230\u540c\u6b65\u3002\u4f20\u7edf\u91d1\u878d\u4f53\u7cfb\u672a\u80fd\u63d0\u4f9b\u7a33\u5b9a\u6027\u3001\u53ef\u53ca\u6027\u548c\u6548\u7387\uff0c\u5bfc\u81f4\u4eba\u4eec\u9762\u4e34\u901a\u8d27\u81a8\u80c0\u548c\u91d1\u878d\u4e0d\u786e\u5b9a\u6027\u7684\u98ce\u9669\uff0c\u5bf9\u50a8\u84c4\u7684\u63a7\u5236\u6709\u9650\uff0c\u4e5f\u96be\u4ee5\u8fdb\u5165\u5168\u7403\u5e02\u573a\u3002<strong>\u4f46\u6b63\u5982\u8be5\u5730\u533a\u8de8\u8d8a\u53f0\u5f0f\u7535\u8111\u65f6\u4ee3\uff0c\u76f4\u63a5\u8fdb\u5165\u79fb\u52a8\u9886\u57df\u4e00\u6837\uff0c\u73b0\u5728\uff0c\u975e\u6d32\u5927\u9646\u5df2\u505a\u597d\u51c6\u5907\uff0c\u8d85\u8d8a\u8fc7\u65f6\u7684\u94f6\u884c\u57fa\u7840\u8bbe\u65bd\uff0c\u53bb\u79ef\u6781\u62e5\u62b1\u7a33\u5b9a\u5e01\u3002<\/strong><\/p>\n<p>\u6211\u4eec\u5df2\u7ecf\u4e0d\u80fd\u518d\u5c06\u89c6\u91ce\u5c40\u9650\u4e8e\u7a33\u5b9a\u5e01\u5728\u539f\u751f\u52a0\u5bc6\u5e02\u573a\u7684\u4ea4\u6613\u7528\u4f8b\uff0c\u5e94\u8be5\u4ece\u4e00\u4e2a\u5168\u65b0\u7684\u89c6\u89d2\uff0c\u53bb\u770b\u5f85\u7a33\u5b9a\u5e01\u5728\u975e\u52a0\u5bc6\u539f\u751f\u573a\u666f\u7684\u73b0\u5b9e\u7528\u4f8b\u3002\u7a33\u5b9a\u5e01\u5df2\u6210\u4e3a\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u5730\u533a\u52a0\u5bc6\u53d9\u4e8b\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u662f\u62b5\u5fa1\u957f\u671f\u901a\u8d27\u81a8\u80c0\u548c\u8d27\u5e01\u8d2c\u503c\u7684\u70ed\u95e8\u5bf9\u51b2\u5de5\u5177\u3002<\/p>\n<p>\u201c\u57fa\u4e8e\u533a\u5757\u94fe\u7f51\u7edc\u7684\u7a33\u5b9a\u5e01\u662f\u4e00\u4e2a\u7b54\u6848\u3002\u7a33\u5b9a\u5e01\u662f\u6211\u4eec\u7b2c\u4e00\u6b21\u771f\u6b63\u6709\u673a\u4f1a\uff0c\u5bf9\u8d27\u5e01\u4f5c\u51fa\u5982\u540c\u7535\u5b50\u90ae\u4ef6\u5bf9\u901a\u4fe1\u7684\u6539\u53d8\uff1a\u4f7f\u5176\u5f00\u653e\u3001\u5373\u65f6\u548c\u65e0\u8fb9\u754c\u3002\u8fd9\u662f\u4e00\u4e2a\u8d27\u5e01\/\u4ef7\u503c\u7684 Whatsapp \u65f6\u523b\uff0c\u901a\u8fc7\u533a\u5757\u94fe\u53ca\u7a33\u5b9a\u5e01\u6784\u5efa\u8d77\u6765\u7684\u5168\u7403\u7f51\u7edc\uff0c\u80fd\u591f\u8ba9\u6240\u6709\u4eba\u53d7\u76ca\u3002\u201d<\/p>\n<p>\u2014\u2014 Chris Dixon,\u00a0<\/p>\n<h2><strong>\u4e00\u3001\u975e\u6d32\u7684\u7a33\u5b9a\u5e01\u9769\u547d<strong>\u9759\u6084\u6084<\/strong><\/strong><\/h2>\n<p><strong>\u975e\u6d32\u7684\u79fb\u52a8\u8d27\u5e01\u666e\u53ca\u7387\u4f4d\u5c45\u5168\u7403\u9996\u4f4d\u4e14\u6df1\u5165\u4eba\u5fc3\uff0c<\/strong>\u8fd9\u8bc1\u660e\u4e86\u5bf9\u66ff\u4ee3\u91d1\u878d\u89e3\u51b3\u65b9\u6848\u7684\u9700\u6c42\u3002\u7531\u6b64\uff0c\u7a33\u5b9a\u5e01\u7684\u51fa\u73b0\u987a\u7406\u6210\u7ae0\uff0c\u5b83\u63d0\u4f9b\u4e86\u4e00\u79cd\u53ea\u9700\u4e00\u90e8\u624b\u673a\u5373\u53ef\u65e0\u7f1d\u8bbf\u95ee\u91d1\u878d\u670d\u52a1\u7684\u65b9\u5f0f\u3002\u7a33\u5b9a\u5e01\u53ef\u4ee5\u5728\u6b64\u57fa\u7840\u4e0a\u8fdb\u4e00\u6b65\u53d1\u5c55\uff0c\u6269\u5927\u91d1\u878d\u5305\u5bb9\u6027\uff0c\u5e76\u5b9e\u73b0\u66f4\u9ad8\u6548\u7684\u65e0\u8fb9\u754c\u4ea4\u6613\u3002<\/p>\n<p>\u6839\u636e Chainalysis \u6570\u636e\uff0c<strong>\u975e\u6d32\u662f\u52a0\u5bc6\u8d27\u5e01\u5e94\u7528\u589e\u957f\u6700\u5feb\u7684\u5730\u533a<\/strong>\uff0c2022-2023 \u5e74\u81f3 2023-2024 \u5e74\u7684\u540c\u6bd4\u589e\u957f\u7387\u4e3a 45%\uff0c\u8d85\u8fc7\u4e86\u62c9\u4e01\u7f8e\u6d32\u7b49\u5176\u4ed6\u65b0\u5174\u5e02\u573a\u7684 42.5%\u3002\u8fd9\u79cd\u5feb\u901f\u589e\u957f\u51f8\u663e\u4e86\u7a33\u5b9a\u5e01\u5e94\u7528\u7684\u5de8\u5927\u6f5c\u529b\uff0c\u5c24\u5176\u662f\u5728\u94f6\u884c\u6e17\u900f\u7387\u4ecd\u7136\u5904\u4e8e\u5168\u7403\u6700\u4f4e\u6c34\u5e73\u7684\u975e\u6d32\u5730\u533a\u3002<\/p>\n<p>\u201c\u7a33\u5b9a\u5e01\u5728\u975e\u6d32\u8de8\u5883\u652f\u4ed8\u4e2d\u5df2\u7ecf\u6210\u4e3a\u73b0\u5b9e\u2026\u2026\u4e16\u754c\u5176\u4ed6\u5730\u533a\u53ea\u662f\u5728\u8fce\u5934\u8d76\u4e0a\u3002\u201d<\/p>\n<p>\u2014\u2014Zekarias Amsalu, Co-Founder of Africa Fintech Summit<\/p>\n<p>\u975e\u6d32\u91c7\u7528\u7a33\u5b9a\u5e01\u7684\u4e3b\u8981\u9a71\u52a8\u529b\u4e4b\u4e00\u662f\u8bb8\u591a\u56fd\u5bb6\u9762\u4e34\u7684\u5916\u6c47 \uff08FX\uff09 \u5371\u673a\u3002<strong>\u5927\u7ea6 70% \u7684\u975e\u6d32\u56fd\u5bb6\u9762\u4e34\u5916\u6c47\u77ed\u7f3a\uff0c\u4f01\u4e1a\u96be\u4ee5\u83b7\u5f97\u8fd0\u8425\u6240\u9700\u7684\u7f8e\u5143\u3002<\/strong>\u5728\u5c3c\u65e5\u5229\u4e9a\u7b49\u56fd\u5bb6\uff0c\u5f53\u5730\u8d27\u5e01\u5948\u62c9 \uff08NGN\uff09 \u5927\u5e45\u8d2c\u503c\uff0c\u7a33\u5b9a\u5e01\u63d0\u4f9b\u4e86\u6025\u9700\u7684\u66ff\u4ee3\u65b9\u6848\u3002<strong>\\&#8221;\u94f6\u884c\u6ca1\u6709\u7f8e\u5143\uff0c\u653f\u5e9c\u6ca1\u6709\u7f8e\u5143\uff0c\u5373\u4f7f\u6709\uff0c\u4ed6\u4eec\u4e5f\u4e0d\u4f1a\u7ed9\u4f60\u3002\\&#8221;<\/strong><\/p>\n<p>\u2014\u2014 Chris Maurice, CEO &amp; Co-founder of Yellow Card<\/p>\n<p>\u5728\u8fc7\u53bb\u4e09\u5e74\u4e2d\uff0c\u7a33\u5b9a\u5e01\u5df2\u6210\u4e3a\u975e\u6d32\u91d1\u878d\u4f53\u7cfb\u4e0d\u53ef\u6216\u7f3a\u7684\u4e00\u90e8\u5206\uff0c\u63d0\u4f9b\u4e86\u4e00\u79cd\u53ef\u9760\u7684\u4ef7\u503c\u5b58\u50a8\u3001\u8de8\u5883\u6c47\u6b3e\u548c\u8d38\u6613\u65b9\u5f0f\uff0c\u65e0\u9700\u4f9d\u8d56\u4e25\u91cd\u6ce2\u52a8\u4e14\u4e0d\u7a33\u5b9a\u7684\u5f53\u5730\u8d27\u5e01\u3002USDT \u548c USDC \u7b49\u7f8e\u5143\u652f\u6301\u7684\u7a33\u5b9a\u5e01\u6b63\u5728\u586b\u8865\u4f20\u7edf\u91d1\u878d\u7684\u7a7a\u767d\uff0c\u8ba9\u7f8e\u5143\u7a00\u7f3a\u7684\u7ecf\u6d4e\u4f53\u4e2d\u7684\u4eba\u4eec\u80fd\u591f\u83b7\u5f97\u7a33\u5b9a\u7684\u4ef7\u503c\u5b58\u50a8\u3002<\/p>\n<p>\u4ece\u6c47\u6b3e\u3001\u96f6\u552e\u50a8\u84c4\u5230 B2B \u8d38\u6613\u548c\u8de8\u5883\u652f\u4ed8\uff0c<strong>\u7a33\u5b9a\u5e01\u6b63\u5728\u89e3\u51b3\u975e\u6d32\u5927\u9646\u7f8e\u5143\u83b7\u53d6\uff08Dollar Access\uff09\u3001\u5373\u65f6\u7ed3\u7b97\uff08Instant Settlement\uff09\u4ee5\u53ca\u5916\u6c47\u4f4e\u6548\uff08FX Inefficiencies\uff09\u7b49\u95ee\u9898<\/strong>\uff0c\u8fd9\u4e9b\u95ee\u9898\u5728\u4f20\u7edf\u652f\u4ed8\u6e20\u9053\u4e0d\u8db3\u7684\u5e02\u573a\u4e2d\u5c24\u4e3a\u7a81\u51fa\u3002<\/p>\n<p>\u975e\u6d32\u662f\u5168\u7403\u6700\u5177\u6d3b\u529b\u7684\u589e\u957f\u5e02\u573a\uff0c\u4eba\u53e3\u589e\u957f\u6700\u5feb\u3001\u4e2d\u4f4d\u5e74\u9f84\u6700\u5e74\u8f7b\uff0c\u4e14\u62e5\u6709\u4e8c\u5341\u4e2a\u589e\u957f\u6700\u5feb\u7ecf\u6d4e\u4f53\u4e2d\u7684\u4e5d\u4e2a\u3002\u975e\u6d32\u62e5\u6709 4 \u4ebf\u79fb\u52a8\u652f\u4ed8\u7528\u6237\uff0c\u6570\u5b57\u91d1\u878d\u7684\u666e\u53ca\u89c4\u6a21\u5df2\u7ecf\u5f88\u5927\u3002<strong>\u7a33\u5b9a\u5e01\u662f\u4e0b\u4e00\u6b65\u98de\u8dc3\uff0c\u5c06\u667a\u80fd\u624b\u673a\u8f6c\u53d8\u4e3a\u5168\u7403\u8fde\u63a5\u7684\u7f8e\u5143\u8d26\u6237\u3002<\/strong>\u5c55\u671b\u672a\u6765\uff0c\u5341\u5e74\u540e\uff0c\u975e\u6d32\u5c06\u6709\u66f4\u591a\u4eba\u62e5\u6709\u52a0\u5bc6\u94b1\u5305\u5e76\u4f7f\u7528\u7a33\u5b9a\u5e01\u8fdb\u884c\u65e5\u5e38\u4ea4\u6613\uff0c\u800c\u975e\u4f7f\u7528\u4f20\u7edf\u94f6\u884c\u8d26\u6237\u3002<\/p>\n<p>\u201c<strong>\u4f60\u4e0d\u7528\u53bb\u6559\u80b2\u7528\u6237\uff0c\u751f\u6d3b\u4f1a\u903c\u7740\u4ed6\u4eec\u7528\u3002<\/strong>\u201d<\/p>\n<p>\u2014\u2014Sky, Co-founder of ROZO<\/p>\n<h2>\u4e8c\u3001<strong>\u63a8\u52a8\u672a\u6765\u7a33\u5b9a\u5e01\u91c7\u7528\u7684\u9879\u76ee<\/strong><\/h2>\n<p>\u6765\u81ea Paxos \u7684 Chuk \u4e3a\u6211\u4eec\u7ed8\u5236\u4e86\u4e00\u5f20\u6db5\u76d6\u652f\u4ed8\u6e20\u9053\u3001\u7528\u4f8b\u548c\u516c\u53f8\u7684\u751f\u6001\u7cfb\u7edf\u5730\u56fe\uff0c\u4ee5\u5c55\u793a\u8fd9\u573a\u53d8\u9769\u5df2\u7ecf\u5f71\u54cd\u7684\u6df1\u5ea6\u3002\u5c3d\u7ba1\u8bb8\u591a\u5e02\u573a\u5730\u56fe\u5c55\u793a\u4e86\u5168\u7403\u7a33\u5b9a\u5e01\u751f\u6001\u7cfb\u7edf\uff0c\u4f46\u5f88\u5c11\u6709\u5730\u56fe\u805a\u7126\u975e\u6d32\u5728\u5851\u9020\u5176\u91d1\u878d\u672a\u6765\u4e2d\u7684\u89d2\u8272\u3002\u56e0\u6b64\uff0c\u6211\u4eec\u5236\u4f5c\u4e86\u8fd9\u5f20\u5730\u56fe\uff0c\u4ee5\u5c55\u793a\u6b63\u5728\u91cd\u65b0\u5b9a\u4e49\u975e\u6d32\u5927\u9646\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u7684\u5efa\u8bbe\u8005\u548c\u7528\u4f8b\u3002<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/s2.flink2.com\/news\/other\/20250521\/4ccf0c544f49592b9769c8eba25700df.jpg\" \/><\/p>\n<p><span>(Mobile Money to Global Money: Africa\u2019s Stablecoin Revolution, Chuk @ Paxos)<\/span><\/p>\n<p>\u5728\u8fc7\u53bb\u4e09\u5e74\u5bf9\u975e\u6d32\u5e02\u573a\u7684\u6295\u8d44\u4e2d\uff0c\u6211\u4eec\u770b\u5230\u8d8a\u6765\u8d8a\u591a\u7684\u516c\u53f8\u56f4\u7ed5\u7a33\u5b9a\u5e01\u8fdb\u884c\u6784\u5efa\uff0c\u6bcf\u5bb6\u516c\u53f8\u90fd\u5728\u63a8\u52a8\u7a33\u5b9a\u5e01\u7684\u91c7\u7528\u548c\u521b\u65b0\u65b9\u9762\u53d1\u6325\u7740\u5173\u952e\u4f5c\u7528\u3002\u4ee5\u4e0b\u5217\u51fa\u4e86\u4e00\u4e9b\u6700\u503c\u5f97\u5173\u6ce8\u7684\u53c2\u4e0e\u8005\uff0c\u4ee5\u53ca\u7a81\u663e\u8be5\u884c\u4e1a\u5feb\u901f\u6269\u5f20\u7684\u5173\u952e\u589e\u957f\u548c\u878d\u8d44\u6570\u636e\u3002<\/p>\n<ul>\n<li>\n<p>Yellow Card \uff1a\u975e\u6d32\u9886\u5148\u7684\u52a0\u5bc6\u8d44\u4ea7\u4ea4\u6613\u6240\u4e4b\u4e00\uff0c\u4e1a\u52a1\u904d\u53ca\u975e\u6d32\u5927\u9646 20 \u4e2a\u56fd\u5bb6\u3002\u975e\u6d32\u89c4\u6a21\u6700\u5927\u3001\u9996\u5bb6\u83b7\u5f97\u8bb8\u53ef\u7684\u7a33\u5b9a\u5e01\u51fa\u5165\u5e73\u53f0\u3002Yellow Card \u5141\u8bb8\u7528\u6237\u65e0\u7f1d\u5730\u5c06\u6cd5\u5e01\u5151\u6362\u6210\u52a0\u5bc6\u8d27\u5e01\uff0c\u53cd\u4e4b\u4ea6\u7136\u30022024 \u5e74\uff0c\u8be5\u5e73\u53f0\u7684\u5e74\u4ea4\u6613\u989d\u4ece 2023 \u5e74\u7684 15 \u4ebf\u7f8e\u5143\u7ffb\u4e86\u4e00\u756a\uff0c\u8fbe\u5230 30 \u4ebf\u7f8e\u5143\u3002<\/p>\n<\/li>\n<li>\n<p>Conduit \uff1a\u4e3a\u975e\u6d32\u548c\u62c9\u4e01\u7f8e\u6d32\u7684\u8fdb\u51fa\u53e3\u4f01\u4e1a\u63d0\u4f9b\u7a33\u5b9a\u5e01\u652f\u4ed8\u670d\u52a1\u3002\u5e74\u5316 TPV \u5c06\u4ece 2023 \u5e74\u7684 50 \u4ebf\u7f8e\u5143\u98d9\u5347\u81f3 2024 \u5e74\u7684 100 \u4ebf\u7f8e\u5143\u3002<\/p>\n<\/li>\n<li>\n<p>Juicyway \uff1a\u4e00\u5bb6\u603b\u90e8\u4f4d\u4e8e\u62c9\u5404\u65af\u7684\u521d\u521b\u516c\u53f8\uff0c\u5229\u7528\u7a33\u5b9a\u5e01\u4fc3\u8fdb\u8de8\u5883\u652f\u4ed8\u3002\u81ea 2021 \u5e74\u4ee5\u6765\uff0cJuicyway \u5df2\u5904\u7406\u603b\u8ba1 13 \u4ebf\u7f8e\u5143\u7684\u652f\u4ed8\u989d\u3002<\/p>\n<\/li>\n<li>\n<p>Bridge \uff1aBridge \u4e8e 2022 \u5e74\u6210\u7acb\uff0c\u4ec5\u4e24\u5e74\u540e\u5c31\u88ab Stripe \u4ee5 11 \u4ebf\u7f8e\u5143\u6536\u8d2d\u3002Bridge \u589e\u5f3a\u4e86\u5168\u7403\u7a33\u5b9a\u5e01\u652f\u4ed8\u57fa\u7840\u8bbe\u65bd\u3002\u5b83\u670d\u52a1\u4e8e\u5927\u591a\u6570\u975e\u6d32\u652f\u4ed8\u516c\u53f8\uff0c\u5e76\u4fc3\u8fdb\u4e86\u6b27\u6d32\u3001\u7f8e\u56fd\u548c\u4e9a\u6d32\u7684\u7a33\u5b9a\u5e01\u652f\u4ed8\u3002<\/p>\n<\/li>\n<li>\n<p>Jia \uff1a\u4e00\u5bb6\u57fa\u4e8e\u533a\u5757\u94fe\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff0c\u4e3a\u65b0\u5174\u5e02\u573a\u7684\u4e2d\u5c0f\u5fae\u4f01\u4e1a\u63d0\u4f9b\u8d37\u6b3e\u30022024 \u5e74\uff0cJia \u7684\u7d2f\u8ba1\u8d37\u6b3e\u53d1\u653e\u91cf\u8d85\u8fc7 1000 \u4e07\u7f8e\u5143\uff0c\u9ad8\u4e8e\u4e0a\u4e00\u5e74\u7684 200 \u4e07\u7f8e\u5143\uff0c\u5185\u90e8\u6536\u76ca\u7387\uff08IRR\uff09\u4e3a 24%\uff0c\u8fdd\u7ea6\u7387\u4e3a 0.14%\u3002<\/p>\n<\/li>\n<li>\n<p>Onboard \uff1a\u4e00\u4e2a\u5168\u7403\u6027\u7684 P2P \u4ea4\u6613\u534f\u8bae\uff0c\u5141\u8bb8\u4efb\u4f55\u4eba\u5728\u4efb\u4f55\u5730\u65b9\u8bbf\u95ee\u94fe\u4e0a\u91d1\u878d\u3002Nestcoin \u5728\u4e0a\u4e00\u8f6e\u878d\u8d44\u4e2d\u7b79\u96c6\u4e86 190 \u4e07\u7f8e\u5143\uff0c\u4ee5\u63a8\u52a8\u5176\u4ea7\u54c1\u7684\u589e\u957f\u3002<\/p>\n<\/li>\n<li>\n<p>KotaniPay \uff1a\u4e3a\u4f01\u4e1a\u548c\u7528\u6237\u63d0\u4f9b\u7a33\u5b9a\u5e01\u7ed3\u7b97\u89e3\u51b3\u65b9\u6848\u3002KotaniPay \u6b63\u5728\u5f00\u53d1\u4e00\u6b3e\u8fde\u63a5\u533a\u5757\u94fe\u548c\u672c\u5730\u652f\u4ed8\u6e20\u9053\u7684 API \u4ea7\u54c1\u30022023 \u5e74\uff0cKotaniPay \u83b7\u5f97\u4e86 200 \u4e07\u7f8e\u5143\u7684\u79cd\u5b50\u8f6e\u878d\u8d44\u3002<\/p>\n<\/li>\n<li>\n<p>Accrue \uff1a\u6784\u5efa\u7f8e\u5143\u7a33\u5b9a\u5e01\u4ee3\u7406\u7f51\u7edc\uff0c\u62d3\u5c55\u8de8\u5883\u652f\u4ed8\u57fa\u7840\u8bbe\u65bd\u3002\u5df2\u83b7\u5f97 158 \u4e07\u7f8e\u5143\u79cd\u5b50\u8f6e\u878d\u8d44\uff0c\u7528\u4e8e\u6269\u5927\u8fd0\u8425\u89c4\u6a21\u3002<\/p>\n<\/li>\n<li>\n<p>Convexity \uff1a\u5f00\u53d1\u4e86\u5c3c\u65e5\u5229\u4e9a\u9996\u4e2a\u53d7\u76d1\u7ba1\u7684\u7a33\u5b9a\u5e01 cNGN\u3002\u8be5\u516c\u53f8\u81ea 2021 \u5e74\u8d77\u4e0e\u5c3c\u65e5\u5229\u4e9a\u4e2d\u592e\u94f6\u884c\u5408\u4f5c\uff0c\u5e76\u4e8e 2024 \u5e74\u83b7\u5f97\u5c3c\u65e5\u5229\u4e9a\u8bc1\u5238\u4ea4\u6613\u59d4\u5458\u4f1a \uff08SEC\uff09 \u9881\u53d1\u7684\u4e34\u65f6\u724c\u7167\u3002<\/p>\n<\/li>\n<li>\n<p>Honeycoin \uff1a\u4e00\u4e2a\u8de8\u5883\u6c47\u6b3e\u3001\u8d26\u5355\u652f\u4ed8\u3001\u8d2d\u4e70\u901a\u8bdd\u65f6\u95f4\u548c\u5728\u7ebf\u6d88\u8d39\u7684\u5e73\u53f0\u3002GTV \u4ece\u4e0a\u4e00\u5b63\u5ea6\u7684 4000 \u4e07\u7f8e\u5143\u98d9\u5347\u81f3 2024 \u5e74\u7b2c\u56db\u5b63\u5ea6\u7684 5 \u4ebf\u7f8e\u5143\u3002<\/p>\n<\/li>\n<li>\n<p>Paycrest \uff1aPaycrest \u662f\u4e00\u4e2a\u53bb\u4e2d\u5fc3\u5316\u7684\u6d41\u52a8\u6027\u534f\u8bae\uff0c\u652f\u6301\u7531\u7a33\u5b9a\u5e01\u652f\u6301\u7684\u5373\u65f6\u3001\u4f4e\u6210\u672c\u652f\u4ed8\u3002\u6b64\u5916\uff0c\u4ed6\u4eec\u8fd8\u5f00\u53d1\u4e86 Zap \uff0c\u8fd9\u662f\u4e00\u6b3e\u7528\u4e8e\u52a0\u5bc6\u8d27\u5e01\u4e0e\u6cd5\u5e01\u65e0\u7f1d\u652f\u4ed8\u7684 DApp\uff0c\u5e76\u8363\u83b7 Base 2024 \u5e74\u5168\u7403 Onchain \u590f\u5b63 Buildathon \u5927\u8d5b\u7684\u51a0\u519b\u3002\u5982\u4eca\uff0cZap \u5df2\u51c6\u5907\u597d\u4ee5 Noblocks \u7684\u5f62\u5f0f\u6295\u5165\u751f\u4ea7\uff0cNoblocks \u662f\u9996\u4e2a\u7531\u5206\u5e03\u5f0f\u6d41\u52a8\u6027\u8282\u70b9\u7f51\u7edc\u652f\u6301\u7684\u3001\u53ef\u4e0e\u4efb\u4f55\u94f6\u884c\u6216\u79fb\u52a8\u94b1\u5305\u8fdb\u884c\u5373\u65f6\u53bb\u4e2d\u5fc3\u5316\u652f\u4ed8\u7684\u63a5\u53e3\u3002<\/p>\n<\/li>\n<li>\n<p>Haraka \uff1a\u4e00\u4e2a\u7531\u7a33\u5b9a\u5e01\u9a71\u52a8\u7684\u5c0f\u989d\u4fe1\u8d37\u534f\u8bae\uff0c\u9762\u5411\u65b0\u5174\u5e02\u573a\u4e2d\u670d\u52a1\u4e0d\u8db3\u7684\u521b\u4e1a\u8005\u3002Haraka \u5229\u7528\u57fa\u4e8e\u58f0\u8a89\u7684\u4fe1\u7528\u8bc4\u5206\u7cfb\u7edf\uff0c\u5e76\u901a\u8fc7\u4e0e\u683c\u83b1\u73c9\u94f6\u884c\u548c\u7f8e\u6148\u7ec4\u7ec7 \uff08Mercy Corps\uff09 \u7684\u5408\u4f5c\uff0c\u5c55\u793a\u4e86\u65e9\u671f\u7684\u5546\u4e1a\u9a8c\u8bc1\u3002<\/p>\n<\/li>\n<\/ul>\n<p>\u8fd9\u4e9b\u516c\u53f8\u4e2d\uff0c\u8bb8\u591a\u5728\u8fc7\u53bb\u4e24\u5e74\u4e2d\u7ecf\u5386\u4e86\u663e\u8457\u589e\u957f\uff0c\u5e76\u5904\u4e8e\u975e\u6d32\u7a33\u5b9a\u5e01\u521b\u65b0\u7684\u524d\u6cbf\u3002<\/p>\n<p><strong>\u5bf9\u4e8e\u5168\u7403\u91d1\u878d\u79d1\u6280\u754c\u6765\u8bf4\uff0c\u95ee\u9898\u4e0d\u662f\u7a33\u5b9a\u5e01\u662f\u5426\u4f1a\u8d70\u5411\u4e3b\u6d41\u3002\u95ee\u9898\u662f\uff0c\u6211\u4eec\u53ef\u4ee5\u4ece\u7a33\u5b9a\u5e01\u5df2\u7ecf\u666e\u53ca\u7684\u5730\u65b9\u5b66\u5230\u4ec0\u4e48\u2014\u2014\u975e\u6d32\u3002<\/strong><\/p>\n<h2><strong>\u4e09\u3001\u7a33\u5b9a\u5e01\u6b63\u5728\u89e3\u51b3\u975e\u6d32\u7684\u65e5\u5e38\u95ee\u9898<\/strong><\/h2>\n<p>\u201c\u5728\u975e\u6d32\uff0c\u8fd9\u5e76\u4e0d\u662f\u7a33\u5b9a\u5e01\u4e0e\u5176\u4ed6\u91d1\u878d\u5de5\u5177\u4e4b\u95f4\u7684\u9009\u62e9\u3002\u800c\u662f\u7a33\u5b9a\u5e01\uff0c\u6216\u8005\u4ec0\u4e48\u90fd\u6ca1\u6709\u3002\u201d\u2014\u2014Samora Kariuki, Frontier Fintech<\/p>\n<p>\u5728\u975e\u6d32\u5404\u5730\uff0c\u7a33\u5b9a\u5e01\u6b63\u5728\u89e3\u51b3\u5b9e\u9645\u95ee\u9898\u3002\u4ece\u8d44\u4ea7\u4fdd\u503c\u5230\u63a8\u52a8\u8d38\u6613\uff0c\u7a33\u5b9a\u5e01\u7684\u91c7\u7528\u662f\u51fa\u4e8e\u5fc5\u8981\uff0c\u800c\u4e0d\u662f\u51fa\u4e8e\u4ea4\u6613\u548c\u6295\u673a\u3002\u4ee5\u4e0b\u662f\u57fa\u4e8e\u771f\u5b9e\u9700\u6c42\u7684\u6700\u5173\u952e\u7528\u4f8b\uff0c\u4ee5\u53ca\u6b63\u5728\u6784\u5efa\u652f\u6301\u8fd9\u4e9b\u7528\u4f8b\u7684\u516c\u53f8\u3002<\/p>\n<h3><strong>3.1 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\u8d44\u4ea7\u4fdd\u503c<\/strong><\/h3>\n<p>\u5728\u7f8e\u5143\u94f6\u884c\u670d\u52a1\u96be\u4ee5\u83b7\u5f97\u3001\u901a\u8d27\u81a8\u80c0\u7387\u9ad8\u4f01\u4ee5\u53ca\u6cd5\u5b9a\u652f\u4ed8\u7f51\u7edc\u6210\u672c\u8fc7\u9ad8\u6216\u4e0d\u53ef\u9760\u7684\u5730\u533a\uff0c\u7a33\u5b9a\u5e01\u6b63\u65e5\u76ca\u53d7\u5230\u9752\u7750\u3002\u975e\u6d32\u7684\u60c5\u51b5\u5c31\u53cd\u6620\u4e86\u8fd9\u4e9b\u60c5\u51b5\uff0c\u4f7f\u5f97\u7a33\u5b9a\u5e01\u6210\u4e3a\u4fdd\u62a4\u50a8\u84c4\u548c\u7ef4\u6301\u8d2d\u4e70\u529b\u7684\u5173\u952e\u5de5\u5177\uff0c\u5c24\u5176\u662f\u5728\u672c\u5e01\u6301\u7eed\u8d2c\u503c\u7684\u7ecf\u6d4e\u4f53\u4e2d\u3002<\/p>\n<p>\u8d27\u5e01\u8d2c\u503c\u662f\u975e\u6d32\u5e02\u573a\u9762\u4e34\u7684\u6700\u5927\u91d1\u878d\u6311\u6218\u4e4b\u4e00\u3002\u4ee5\u80af\u5c3c\u4e9a\u5148\u4ee4\u4e3a\u4f8b\uff0c\u5c3d\u7ba1\u80af\u5c3c\u4e9a\u7684 GDP \u5728 2008 \u5e74\u81f3 2024 \u5e74\u95f4\u589e\u957f\u4e86\u4e24\u500d\uff0c\u4f46\u81ea 2021 \u5e74\u4ee5\u6765\uff0c\u4f46\u5176\u5151\u7f8e\u5143\u6c47\u7387\u5374\u8d2c\u503c\u4e86 50%\u3002\u77db\u76fe\u663e\u800c\u6613\u89c1\uff1a\u7ecf\u6d4e\u589e\u957f\u5728\u4e0a\u5347\uff0c\u4f46\u4eba\u4eec\u5bf9\u5f53\u5730\u8d27\u5e01\u7684\u4fe1\u5fc3\u5374\u6ca1\u6709\u589e\u5f3a\u3002\u540c\u6837\uff0c\u5728\u8fc7\u53bb 18 \u4e2a\u6708\u5185\uff0c\u5728\u5c3c\u65e5\u5229\u4e9a\uff0c\u901a\u8d27\u81a8\u80c0\u548c\u5948\u62c9\u8d2c\u503c\u4e00\u76f4\u662f\u7a33\u5b9a\u5e01\u91c7\u7528\u7684\u5173\u952e\u9a71\u52a8\u56e0\u7d20\u3002\u5948\u62c9\u5728 2024 \u5e74 2 \u6708\u8dcc\u81f3\u5386\u53f2\u6700\u4f4e\u70b9\uff0c\u6b64\u540e\u4e00\u76f4\u4e3e\u6b65\u7ef4\u8270\uff0c\u8fd9\u66f4\u52a0\u51f8\u663e\u4e86\u5bf9\u7a33\u5b9a\u66ff\u4ee3\u65b9\u6848\u7684\u9700\u6c42\u3002<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/s2.flink2.com\/news\/other\/20250521\/38daeebf3129aaf6a4a6a45f45d631ed.jpg\" \/><\/p>\n<p><span>(Stablecoins: Leapfrogging Africa\u2019s Financial System, Ayush Ghiya and Uchenna Edeoga)<\/span><\/p>\n<p>\u968f\u7740\u672c\u5730\u8d27\u5e01\u6301\u7eed\u8d2c\u503c\uff0c\u7a33\u5b9a\u5e01\u6b63\u6210\u4e3a\u9996\u9009\u7684\u5bf9\u51b2\u5de5\u5177\uff0c\u63d0\u4f9b\u66f4\u53ef\u9760\u7684\u8d22\u5bcc\u4ea4\u6613\u548c\u5b58\u50a8\u65b9\u5f0f\u3002\u4e0e\u73b0\u91d1\u6216\u9ec4\u91d1\u4e0d\u540c\uff0c\u7a33\u5b9a\u5e01\u63d0\u4f9b\u4e86\u4e00\u79cd\u5b8c\u5168\u6570\u5b57\u5316\u3001\u5e7f\u6cdb\u53ef\u7528\u7684\u652f\u4ed8\u6e20\u9053\uff0c\u65e0\u9700\u4f9d\u8d56\u94f6\u884c\u3001\u652f\u4ed8\u7f51\u7edc\u6216\u592e\u884c\u3002\u5b83\u4eec\u4e0d\u4ec5\u53ef\u4ee5\u5bf9\u51b2\u8d27\u5e01\u6ce2\u52a8\uff0c\u8fd8\u80fd\u63d0\u4f9b\u6bd4\u4f20\u7edf\u50a8\u84c4\u8d26\u6237\u66f4\u9ad8\u7684\u6536\u76ca\u7387\uff0c\u8fd9\u5bf9\u4e8e\u5e0c\u671b\u4fdd\u503c\u589e\u503c\u7684\u975e\u6d32\u4eba\u6765\u8bf4\u662f\u4e00\u4e2a\u9887\u5177\u5438\u5f15\u529b\u7684\u9009\u62e9\u3002\u4f20\u7edf\u94f6\u884c\u7684\u5229\u7387\u8f83\u4f4e\uff0c\u800c\u7a33\u5b9a\u5e01\u50a8\u84c4\u5e73\u53f0\u5219\u5229\u7528\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d \uff08DeFi\uff09 \u548c\u52a0\u5bc6\u8d27\u5e01\u501f\u8d37\u6a21\u5f0f\uff0c\u4e3a\u7528\u6237\u521b\u9020\u66f4\u9ad8\u7684\u56de\u62a5\u3002<\/p>\n<p>\u76ee\u524d\uff0c\u57fa\u4e8e\u7f8e\u5143\u7684\u7a33\u5b9a\u5e01\u662f\u65b0\u5174\u5e02\u573a\u7528\u6237\u7684\u9996\u9009\u3002\u5728\u975e\u6d32\u5927\u90e8\u5206\u5730\u533a\uff0cUSDT\uff08\u57fa\u4e8e\u6ce2\u573a\uff09\u5df2\u7ecf\u6210\u4e3a\u4e8b\u5b9e\u4e0a\u7684\u6570\u5b57\u7f8e\u5143\u3002\u5927\u591a\u6570\u7528\u6237\u901a\u8fc7\u5982 Binance \u8fd9\u6837\u7684\u4e2d\u5fc3\u5316\u6258\u7ba1\u7684\u5e94\u7528\u83b7\u53d6\u7a33\u5b9a\u5e01\uff0c\u4f18\u5148\u8003\u8651\u7684\u662f\u901f\u5ea6\u548c\u6d41\u52a8\u6027\uff0c\u800c\u4e0d\u662f\u897f\u65b9\u5bf9\u50a8\u5907\u6216\u900f\u660e\u5ea6\u7684\u62c5\u5fe7\u3002<\/p>\n<p>\u5bf9\u4e8e\u90a3\u4e9b\u9762\u4e34\u5916\u6c47\u914d\u7ed9\u548c 30% \u901a\u8d27\u81a8\u80c0\u7684\u7528\u6237\u6765\u8bf4\uff0c\u6700\u91cd\u8981\u7684\u662f\u5b83\u80fd\u591f\u53d1\u6325\u4f5c\u7528\u3002\u7a33\u5b9a\u5e01\u5e2e\u52a9\u7528\u6237\u5728\u8fb9\u7f18\u5730\u533a\u8d44\u4ea7\u4fdd\u503c\uff0c\u5e76\u4ee5\u7a33\u5b9a\u8d27\u5e01\u8fdb\u884c\u50a8\u84c4\u3002<strong>\u4e16\u754c\u94f6\u884c\u7684\u6570\u636e\uff0c\u622a\u81f3 2021 \u5e74\uff0c\u975e\u6d32\u53ea\u6709 49% \u7684\u4eba\u62e5\u6709\u94f6\u884c\u8d26\u6237\uff0c<\/strong><strong>\u4f46\u6709 4 \u4ebf\u4eba\u4f7f\u7528\u79fb\u52a8\u652f\u4ed8\uff0c\u7a33\u5b9a\u5e01\u53ef\u4ee5\u5728\u94f6\u884c\u65e0\u6cd5\u8986\u76d6\u7684\u5730\u65b9\u6ee1\u8db3\u7528\u6237\u9700\u6c42\u3002<\/strong><\/p>\n<p>\u50cf Fonbnk \u8fd9\u6837\u7684\u5e73\u53f0\u80fd\u591f\u5728\u57fa\u7840\u624b\u673a\u4e0a\u5b9e\u73b0\u5373\u65f6\u7684\u5145\u503c\u5230 USDT \u5151\u6362\uff0c\u800c Accrue \u5219\u4e3a\u7a33\u5b9a\u5e01\u7684\u73b0\u91d1\u5b58\u53d6\u63d0\u4f9b\u672c\u5730\u793e\u533a\u4ee3\u7406\u7f51\u7edc\u3002\u5c3c\u65e5\u5229\u4e9a\u52a0\u5bc6\u8d27\u5e01\u5e73\u53f0 Busha Earn \u5141\u8bb8\u7528\u6237\u4ee5\u9ad8\u8fbe 7.5% \u7684\u5e74\u6536\u76ca\u7387\uff08\u8fdc\u9ad8\u4e8e\u5927\u591a\u6570\u5c3c\u65e5\u5229\u4e9a\u94f6\u884c\u7684\u6536\u76ca\u7387\uff09\u50a8\u84c4\u7a33\u5b9a\u5e01\u3002\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u5730\u533a\u5728 DeFi 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USDT\uff0cFonbnk \u5145\u5f53\u7a33\u5b9a\u5e01\u7ed3\u7b97\u5c42\uff0c\u4e3a 4 \u4ebf\u65e0\u94f6\u884c\u8d26\u6237\u548c\u94f6\u884c\u670d\u52a1\u4e0d\u8db3\u7684\u975e\u6d32\u4eba\u63d0\u4f9b\u4e86\u4e00\u79cd\u5bf9\u51b2\u8d27\u5e01\u8d2c\u503c\u7684\u624b\u6bb5\uff0c\u5e76\u4e3a\u4ed6\u4eec\u5f00\u8f9f\u4e86\u8d85\u8d8a\u4f20\u7edf\u94f6\u884c\u7684\u50a8\u84c4\u548c\u4fe1\u8d37\u65b0\u9014\u5f84\u3002\u201d\u2014\u2014Chris Duffus, Founder &amp; CEO, Fonbnk<\/p>\n<h3><strong>B. \u6269\u5927\u4fe1\u8d37\u83b7\u53d6<\/strong><\/h3>\n<p>\u975e\u6d32\u7684\u4e2d\u5c0f\u5fae\u4f01\u4e1a\uff08MSME\uff09\u5b58\u5728 3300 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\u9886\u57df\uff0c\u57fa\u4e8e\u7a33\u5b9a\u5e01\u7684\u501f\u8d37\u534f\u8bae\u5728\u8fc7\u53bb\u4e09\u5e74\u4e2d\u5c55\u73b0\u51fa\u89e3\u51b3\u8fd9\u4e00\u95ee\u9898\u7684\u5de8\u5927\u6f5c\u529b\u3002\u7136\u800c\uff0c\u5927\u591a\u6570\u6b64\u7c7b\u89e3\u51b3\u65b9\u6848\u4ecd\u7136\u8981\u6c42\u62b5\u62bc\u7387\u8fc7\u9ad8\uff0c\u9700\u8981\u7ea6 150% \u7684\u52a0\u5bc6\u8d44\u4ea7\u4f5c\u4e3a\u62b5\u62bc\uff0c\u8fd9\u5b9e\u9645\u4e0a\u5c06\u65b0\u5174\u5e02\u573a\u7684\u4e2d\u5c0f\u5fae\u4f01\u4e1a\u6392\u9664\u5728\u5916\u3002\u867d\u7136\u50cf Goldfinch \u8fd9\u6837\u7684\u4f4e\u62b5\u62bc\u501f\u8d37\u534f\u8bae\u5df2\u7ecf\u51fa\u73b0\uff0c\u4f46\u5b83\u4eec\u4e3b\u8981\u5145\u5f53\u91d1\u878d\u79d1\u6280\u8d37\u6b3e\u673a\u6784\u7684\u66ff\u4ee3\u503a\u52a1\u63d0\u4f9b\u8005\uff0c\u800c\u975e\u76f4\u63a5\u670d\u52a1\u4e8e\u5b9e\u4f53\u5c0f\u578b\u4f01\u4e1a\u3002<\/p>\n<p>\u6700\u8fd1\uff0c\u4e24\u5bb6\u516c\u53f8 Jia \uff08\u5229\u7528\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\u63d0\u4f9b\u4fdd\u7406\u3001\u4f9b\u5e94\u94fe\u878d\u8d44\u548c\u5176\u4ed6\u8d37\u6b3e\uff09\u548c Haraka \uff08\u4f7f\u7528\u521b\u65b0\u7684\u793e\u4f1a\u4fe1\u7528\u4f53\u7cfb\uff09\u79ef\u6781\u81f4\u529b\u4e8e\u98a0\u8986\u8fd9\u4e00\u9886\u57df\uff0c\u5e76\u6293\u4f4f\u975e\u6d32\u7684\u5e02\u573a\u673a\u9047\u3002\u8fd9\u4e9b\u516c\u53f8\u5411\u5c0f\u578b\u4f01\u4e1a\u63d0\u4f9b\u57fa\u4e8e\u533a\u5757\u94fe\u7684\u8d37\u6b3e\uff0c\u5e76\u8d4b\u4e88\u8d1f\u8d23\u4efb\u7684\u501f\u6b3e\u4eba\u6240\u6709\u6743\uff0c\u4ece\u800c\u4f7f\u4ed6\u4eec\u80fd\u591f\u79ef\u7d2f\u8d22\u5bcc\uff0c\u63a8\u52a8\u5176\u6240\u5728\u793e\u533a\u7684\u7ecf\u6d4e\u53d1\u5c55\u3002<\/p>\n<p>\u5c06\u8fd9\u79cd\u73b0\u5b9e\u4e16\u754c\u7684\u7ecf\u6d4e\u6d3b\u52a8\u5f15\u5165\u94fe\u4e0a\uff0c\u5bf9\u6295\u8d44\u8005\u548c\u501f\u6b3e\u4eba\u5747\u6709\u5229\u3002\u6295\u8d44\u8005\u53ef\u4ee5\u6c11\u4e3b\u5316\u5730\u83b7\u53d6\u5b9e\u9645\u6536\u76ca\uff0c\u800c\u501f\u6b3e\u4eba\u5219\u53ef\u4ee5\u83b7\u5f97\u533a\u5757\u94fe\u6d41\u52a8\u6027\uff0c\u5e76\u5c06\u6240\u6709\u6743\u4f5c\u4e3a\u4e3a\u81ea\u5df1\u548c\u793e\u533a\u521b\u9020\u957f\u671f\u8d22\u5bcc\u7684\u4e00\u79cd\u65b9\u5f0f\u3002\u533a\u5757\u94fe\u7684\u4f7f\u7528\u8fd8\u964d\u4f4e\u4e86\u79c1\u4eba\u4fe1\u8d37\u5e02\u573a\u4e2d\u5e38\u89c1\u7684\u9ad8\u989d\u4ea4\u6613\u6210\u672c\uff08\u901a\u5e38\u4f1a\u8f6c\u5ac1\u7ed9\u6700\u7ec8\u501f\u6b3e\u4eba\uff09\uff0c\u5e76\u4f7f\u5f97\u501f\u6b3e\u4eba\u80fd\u591f\u521b\u5efa\u94fe\u4e0a\u4fe1\u7528\u8bb0\u5f55\uff0c\u4ece\u800c\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u5efa\u7acb\u58f0\u8a89\u3002<\/p>\n<p>\u8fd9\u4e9b\u5de5\u5177\u8ba9\u7528\u6237\u5bf9\u81ea\u5df1\u7684\u8d44\u91d1\u62e5\u6709\u66f4\u591a\u63a7\u5236\u6743\uff0c\u5e76\u89e3\u9501\u4e86\u4ee5\u524d\u65e0\u6cd5\u4f01\u53ca\u7684\u91d1\u878d\u9009\u62e9\u3002<\/p>\n<h2><strong>3.2 \u8de8\u5883\u6d41\u52a8\uff1a\u8d38\u6613\u3001\u8d44\u91d1\u7ba1\u7406\u548c\u6c47\u6b3e<\/strong><\/h2>\n<p>\u6b63\u5982 Stripe \u9996\u5e2d\u6267\u884c\u5b98 Patrick Collison \u6240\u8bf4\uff0c\u7a33\u5b9a\u5e01\u662f\u201c\u91d1\u878d\u670d\u52a1\u7684\u5ba4\u6e29\u8d85\u5bfc\u4f53\u201d\u3002\u5b83\u4eec\u5c06\u4f7f\u4f01\u4e1a\u80fd\u591f\u5bfb\u6c42\u65b0\u7684\u673a\u9047\uff0c\u800c\u8fd9\u4e9b\u673a\u9047\u539f\u672c\u65e0\u6cd5\u627f\u53d7\u73b0\u6709\u652f\u4ed8\u6e20\u9053\u7684\u8d1f\u62c5\u6216\u4f20\u7edf\u770b\u95e8\u4eba\u7684\u6469\u64e6\u3002\u8fd9\u4e00\u70b9\u5728\u8de8\u5883\u652f\u4ed8\u9886\u57df\u5c24\u4e3a\u660e\u663e\uff0c\u4f20\u7edf\u7cfb\u7edf\u901f\u5ea6\u6162\u3001\u6210\u672c\u9ad8\uff0c\u4e14\u4f9d\u8d56\u591a\u4e2a\u4e2d\u95f4\u5546\u3002\u9ad8\u6602\u7684\u8d39\u7528\u548c\u6f2b\u957f\u7684\u5ef6\u8fdf\u4f7f\u4ea4\u6613\u53d8\u5f97\u590d\u6742\u2014\u2014\u5c24\u5176\u662f\u5728\u975e\u6d32\uff0c\u90a3\u91cc\u7684\u5e73\u5747\u6c47\u6b3e\u7387\u7ea6\u4e3a 8% \uff0c\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u901a\u5e38\u6709\u9650\u6216\u7f3a\u5931\u3002<\/p>\n<p>\u8de8\u5883\u652f\u4ed8\u662f\u975e\u6d32\u65e5\u5e38\u7ecf\u6d4e\u7684\u57fa\u7840\uff0c\u4ece\u8fdb\u53e3\u5546\u54c1\u3001\u53d1\u9001\u6c47\u6b3e\u5230\u56de\u6d41\u5229\u6da6\u548c\u5411\u81ea\u7531\u804c\u4e1a\u8005\u652f\u4ed8\u85aa\u916c\u3002\u7136\u800c\uff0c\u652f\u6301\u8fd9\u4e9b\u8d44\u91d1\u6d41\u52a8\u7684\u652f\u4ed8\u6e20\u9053\u4ecd\u7136\u8106\u5f31\uff1a<strong>3-5 \u5929\u7684\u5ef6\u8fdf\u30015-10%\u7684\u8d39\u7528\uff0c\u5e76\u4e14\u53d7\u5230\u5916\u6c47\u914d\u7ed9\u7684\u9650\u5236\u3002<\/strong>\u7a33\u5b9a\u5e01\u6539\u53d8\u4e86\u8fd9\u4e00\u73b0\u72b6\uff0c\u63d0\u4f9b\u4e86\u4e00\u79cd\u89e3\u51b3\u8fd9\u4e9b\u95ee\u9898\u7684\u65b9\u6cd5\uff0c\u5b83\u652f\u6301\u5b9e\u65f6\u3001\u4f4e\u6210\u672c\u7684\u8f6c\u8d26\uff0c\u65e0\u9700\u5927\u91cf\u8d44\u672c\u50a8\u5907\u6216\u94f6\u884c\u4e2d\u4ecb\u3002<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/s2.flink2.com\/news\/other\/20250521\/917f5f3306c25bd967f6b0d22bc30a2d.jpg\" \/><\/p>\n<p><span>(Stablecoins: Leapfrogging Africa\u2019s Financial System, Ayush Ghiya and Uchenna Edeoga)<\/span><\/p>\n<p>\u5bf9\u4e8e\u4e0a\u56fe\u4e00\u4e2a\u4e4c\u5e72\u8fbe\u7528\u6237\u60f3\u5c06\u8d44\u91d1\u8f6c\u79fb\u7ed9\u5c3c\u65e5\u5229\u4e9a\u7528\u6237\u7684\u573a\u666f\u3002\u5982\u679c\u662f\u57fa\u4e8e SWIFT \u7f51\u7edc\u8fdb\u884c\u6c47\u6b3e\uff0c\u7531\u4e8e\u4e24\u56fd\u5e76\u6ca1\u6709\u76f4\u8fde\u7684\u94f6\u884c\u7f51\u7edc\uff0c\u90a3\u4e48\u7528\u6237\u53ef\u80fd\u8981\u7ed5\u5230\u7f8e\u56fd\u7684\u4e2d\u95f4\u884c\u8fdb\u884c\u8f6c\u8d26\u3002\u4f46\u662f\u4e00\u65e6\u91c7\u7528\u7a33\u5b9a\u5e01\u7684\u652f\u4ed8\u7f51\u7edc\uff0c\u7528\u6237\u65e0\u9700\u901a\u8fc7\u591a\u4e2a\u4e2d\u4ecb\u673a\u6784\u8fdb\u884c\u652f\u4ed8\uff0c\u800c\u662f\u53ef\u4ee5\u5c06\u5f53\u5730\u8d27\u5e01\u5151\u6362\u6210\u7a33\u5b9a\u5e01\uff0c\u76f4\u63a5\u53d1\u9001\u7ed9\u5c3c\u65e5\u5229\u4e9a\u7528\u6237\uff0c\u540e\u8005\u518d\u5c06\u5176\u5151\u6362\u6210\u5c3c\u65e5\u5229\u4e9a\u5948\u62c9\uff0c\u5e76\u5728\u5f53\u5730\u83b7\u53d6\u8d44\u91d1\u3002<\/p>\n<p>\u8fd9\u4e00\u6d41\u7a0b\u6d88\u9664\u4e86 SWIFT \u548c\u57fa\u4e8e\u51c0\u989d\u7ed3\u7b97\u6a21\u5f0f\u7684\u4f4e\u6548\u4e4b\u5904\uff0c\u56e0\u4e3a\u8f6c\u8d26\u76f4\u63a5\u901a\u8fc7\u4e0e\u8d27\u5e01\u627f\u5151\u51fa\u5165\u91d1\u670d\u52a1\u63d0\u4f9b\u5546\u8fde\u63a5\u7684\u4ea4\u6613\u6240\u6216\u533a\u5757\u94fe\u94b1\u5305\u8fdb\u884c\u3002\u8fd9\u4e9b\u670d\u52a1\u63d0\u4f9b\u5546\u4e0e\u5f53\u5730\u652f\u4ed8\u7cfb\u7edf\u96c6\u6210\uff0c\u5b9e\u73b0\u4e86\u7a33\u5b9a\u5e01\u4e0e\u5f53\u5730\u8d27\u5e01\u4e4b\u95f4\u7684\u65e0\u7f1d\u8f6c\u6362\u3002<\/p>\n<p>\u6700\u8fd1\uff0cStripe \u4ee5 11 \u4ebf\u7f8e\u5143\u6536\u8d2d\u4e86 Bridge\uff08\u4e00\u5bb6\u7a33\u5b9a\u5e01 API \u63d0\u4f9b\u5546\uff09\uff0c\u8fd9\u8ddd\u79bb Bridge \u4e8e 2022 \u5e74\u6210\u7acb\u4ec5\u4e24\u5e74\uff0c\u65e8\u5728\u589e\u5f3a\u5176\u5168\u7403\u7a33\u5b9a\u5e01\u652f\u4ed8\u7f51\u7edc\u3002\u975e\u6d32\u662f Bridge \u7684\u4e3b\u8981\u5e02\u573a\uff0c\u4e3a\u5927\u591a\u6570\u5728\u6b27\u6d32\u3001\u7f8e\u56fd\u548c\u4e9a\u6d32\u8fd0\u8425\u7684\u975e\u6d32\u652f\u4ed8\u516c\u53f8\u63d0\u4f9b\u7a33\u5b9a\u5e01\u652f\u4ed8\u670d\u52a1\u3002\u8fd9\u51f8\u663e\u4e86\u5e02\u573a\u5bf9\u7a33\u5b9a\u5e01\u57fa\u7840\u8bbe\u65bd\u65e5\u76ca\u589e\u957f\u7684\u9700\u6c42\uff0c\u4ee5\u53ca\u8be5\u9886\u57df\u4e3b\u8981\u53c2\u4e0e\u8005\u7684\u6269\u5f20\u901f\u5ea6\u3002<\/p>\n<p>\u867d\u7136 Bridge \u4e3a\u7a33\u5b9a\u5e01\u7684\u7f16\u6392\u548c\u53d1\u884c\u5960\u5b9a\u4e86\u57fa\u7840\uff0c\u4f46\u8be5\u5b50\u9886\u57df\u4ecd\u6709\u5927\u91cf\u5de5\u4f5c\u8981\u505a\u3002\u8de8\u5883\u652f\u4ed8\u4ecd\u7136\u662f\u4e00\u4e2a\u5de8\u5927\u7684\u673a\u9047\uff0c\u4f46\u4e5f\u5b58\u5728\u4e00\u4e9b\u5173\u952e\u95ee\u9898\u9700\u8981\u89e3\u51b3\u3002<\/p>\n<h3><strong>A. \u8d38\u6613\u548c B2B \u652f\u4ed8<\/strong><\/h3>\n<p>\u4e2d\u56fd\u662f\u975e\u6d32\u6700\u5927\u7684\u8d38\u6613\u4f19\u4f34\uff0c2023 \u5e74\u975e\u6d32\u4ece\u4e2d\u56fd\u8fdb\u53e3\u989d\u8fbe\u5230 1760 \u4ebf\u7f8e\u5143\uff0c\u5b58\u5728 666 \u4ebf\u7f8e\u5143\u7684\u8d38\u6613\u9006\u5dee\u3002\u8fd9\u521b\u9020\u4e86\u5bf9\u7f8e\u5143\u652f\u4ed8\u7684\u6301\u7eed\u9700\u6c42\uff0c\u800c\u7a33\u5b9a\u5e01\u4ee5\u9ad8\u6548\u548c\u9ad8\u6d41\u52a8\u6027\u6ee1\u8db3\u4e86\u8fd9\u4e00\u9700\u6c42\u3002\u7531\u4e8e\u5176\u6df1\u5ea6\u6d41\u52a8\u6027\u548c\u5e7f\u6cdb\u7684\u4ea4\u6613\u6240\u652f\u6301\uff0cUSDT\uff08\u57fa\u4e8e\u6ce2\u573a\uff09\u5df2\u6210\u4e3a\u8bb8\u591a\u5546\u4e1a\u652f\u4ed8\u7684\u9996\u9009\u6e20\u9053\u3002<\/p>\n<p>\u201c\u7a33\u5b9a\u5e01\u662f\u975e\u6d32\u8de8\u5883\u652f\u4ed8\u7684\u65b0\u57fa\u77f3\u3002\u4f01\u4e1a\u4f7f\u7528 Conduit \u51e0\u4e4e\u53ef\u4ee5\u5373\u65f6\u7ed3\u7b97\u652f\u4ed8\uff0c\u964d\u4f4e\u8425\u8fd0\u8d44\u672c\uff0c\u4fdd\u6301\u8d44\u91d1\u6d41\u52a8\u6027\uff0c\u5e76\u907f\u514d\u8d27\u5e01\u6ce2\u52a8\u3002\u201d\u2014\u2014Eric Wainaina, General Manager, Africa at Conduit<\/p>\n<p>\u201c\u7a33\u5b9a\u5e01\u5b8c\u5168\u6539\u53d8\u4e86\u90a3\u4e9b\u65e0\u6cd5\u901a\u8fc7\u94f6\u884c\u83b7\u5f97\u7f8e\u5143\u7684\u8fdb\u53e3\u5546\u7684\u5904\u5883\u2014\u2014\u73b0\u5728\u4ed6\u4eec\u7684\u4e1a\u52a1\u84ec\u52c3\u53d1\u5c55\u3002\u201d\u2014\u2014Suleiman Murunga, Director, MUDA<\/p>\n<p>\u975e\u6d32\u5927\u9646\u5185\u90e8\u8d38\u6613\u652f\u4ed8\uff1a\u975e\u6d32\u5927\u9646\u5185\u90e8\u8d38\u6613\u4ec5\u5360\u975e\u6d32\u5927\u9646\u8fdb\u51fa\u53e3\u603b\u989d\u7684 15%\uff0c\u8fdc\u4f4e\u4e8e\u5317\u7f8e\u7684 54%\u3001\u4e9a\u6d32\u7684 60% \u548c\u6b27\u76df\u7684 70%\u3002\u9020\u6210\u8fd9\u79cd\u4e0d\u5e73\u8861\u7684\u4e3b\u8981\u539f\u56e0\u662f\u7f3a\u4e4f\u76f4\u63a5\u8d27\u5e01\u5151\u6362\u57fa\u7840\u8bbe\u65bd\u2014\u2014\u5927\u591a\u6570\u4ea4\u6613\u9700\u8981\u5c06\u5f53\u5730\u8d27\u5e01\u5151\u6362\u6210\u7f8e\u5143\u3001\u82f1\u9551\u6216\u6b27\u5143\uff0c\u7136\u540e\u518d\u5151\u6362\u6210\u5176\u4ed6\u975e\u6d32\u8d27\u5e01\u3002\u8fd9\u79cd\u4f4e\u6548\u7387\u6bcf\u5e74\u7ed9\u975e\u6d32\u5927\u9646\u5185\u90e8\u4ea4\u6613\u589e\u52a0 50 \u4ebf\u7f8e\u5143\u7684\u4e0d\u5fc5\u8981\u6210\u672c\u3002\u89e3\u51b3\u8fd9\u4e2a\u95ee\u9898\u5bf9\u4e8e\u5728\u6574\u4e2a\u975e\u6d32\u5927\u9646\u5b9e\u73b0\u987a\u7545\u7684\u8d38\u6613\u81f3\u5173\u91cd\u8981\u3002<\/p>\n<p>\u8d44\u91d1\u6c47\u56de\uff1a\u4e00\u4e9b\u5728\u975e\u6d32\u9500\u552e\u5546\u54c1\u548c\u670d\u52a1\u7684\u5927\u578b\u8de8\u56fd\u516c\u53f8\u53ef\u4ee5\u4f7f\u7528\u7a33\u5b9a\u5e01\u5c06\u8d44\u91d1\u6c47\u56de\u672c\u56fd\u3002\u501f\u52a9\u7a33\u5b9a\u5e01\u57fa\u7840\u8bbe\u65bd\uff0c\u8d44\u91d1\u7ed3\u7b97\u65f6\u95f4\u4e0d\u5230 30 \u5206\u949f\uff0c\u800c\u4f20\u7edf\u652f\u4ed8\u65b9\u5f0f\u5219\u9700\u8981 2-3 \u5929\u3002<\/p>\n<h3><strong>B. \u6c47\u6b3e\u548c\u5168\u7403\u652f\u4ed8<\/strong><\/h3>\n<p>\u6b63\u5982\u7a33\u5b9a\u5e01\u80fd\u591f\u5b9e\u73b0\u5bf9\u5916\u652f\u4ed8\u4e00\u6837\uff0c\u5b83\u4eec\u4e5f\u80fd\u591f\u5c06\u8d44\u91d1\u5e26\u5165\u975e\u6d32\u5927\u9646\u3002\u8fd9\u5305\u62ec\u6c47\u6b3e\u3001\u5de5\u8d44\u652f\u4ed8\u548c\u81ea\u7531\u804c\u4e1a\u8005\u7684\u6536\u5165\u3002<\/p>\n<p>\u6c47\u6b3e\u662f\u6700\u5e38\u89c1\u7684\u8de8\u5883\u652f\u4ed8\u9700\u6c42\u4e4b\u4e00\uff0c\u4f46\u4f20\u7edf\u7684\u6c47\u6b3e\u65b9\u5f0f\u4f7f\u5176\u6210\u672c\u9ad8\u6602\u30022023 \u5e74\uff0c\u5168\u7403\u6c47\u6b3e\u6d41\u91cf\u8fbe\u5230 8830 \u4ebf\u7f8e\u5143\uff0c\u5176\u4e2d\u7684\u8d39\u7528\u5bf9\u4f4e\u6536\u5165\u7528\u6237\u7684\u5f71\u54cd\u5c24\u4e3a\u4e25\u91cd\u3002\u5982\u4eca\uff0c\u901a\u8fc7\u7a33\u5b9a\u5e01\u4ece\u7f8e\u56fd\u5411\u5c3c\u65e5\u5229\u4e9a\u6c47\u6b3e 200 \u7f8e\u5143\u7684\u6210\u672c\u4e0d\u5230 0.01 \u7f8e\u5143\uff0c\u800c\u4f7f\u7528\u4f20\u7edf\u65b9\u5f0f\u5219\u9700\u8981 7.60 \u7f8e\u5143\u3002\u5927\u89c4\u6a21\u964d\u4f4e\u8fd9\u4e9b\u6210\u672c\u4ecd\u7136\u662f\u5f53\u52a1\u4e4b\u6025\u3002<\/p>\n<p>\u201c\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u4ecd\u7136\u662f\u5168\u7403\u6c47\u6b3e\u6210\u672c\u6700\u9ad8\u7684\u5730\u533a\uff0c2024 \u5e74\u5e73\u5747\u6c47\u6b3e\u6210\u672c\u8fbe\u5230 8.37%\u3002\u7136\u800c\uff0c\u8bb8\u591a\u6d77\u5916\u975e\u6d32\u4eba\u5e76\u4e0d\u77e5\u9053\u4ed6\u4eec\u73b0\u5728\u53ef\u4ee5\u4f7f\u7528\u7a33\u5b9a\u5e01\u5c06\u94b1\u6c47\u56de\u5bb6\uff0c\u901f\u5ea6\u66f4\u5feb\u4e14\u6210\u672c\u66f4\u4f4e\u3002\u201d\u2014\u2014Xino Zee, Lead at Send Africa<\/p>\n<p>\u652f\u4ed8\uff1a\u5bf9\u4e8e\u96f6\u5de5\u7ecf\u6d4e\u4e2d\u7684\u81ea\u7531\u804c\u4e1a\u8005\u6765\u8bf4\uff0c\u8de8\u5883\u5c0f\u989d\u652f\u4ed8\u4ecd\u7136\u6210\u672c\u9ad8\u6602\u4e14\u6548\u7387\u4f4e\u4e0b\u3002\u5728\u80af\u5c3c\u4e9a\u7b49\u5730\uff0c\u4e00\u4e9b\u4eba\u751a\u81f3\u9009\u62e9\u201c\u79df\u7528\u201dPayPal \u8d26\u6237\uff0c\u56e0\u4e3a\u81ea\u5df1\u5f00\u8bbe\u8d26\u6237\u8fc7\u4e8e\u56f0\u96be\u2014\u2014\u8fd9\u51f8\u663e\u4e86\u8bbf\u95ee\u969c\u788d\u5982\u4f55\u52a0\u5267\u4e86\u5c0f\u989d\u56fd\u9645\u652f\u4ed8\u672c\u5df2\u9ad8\u6602\u7684\u6210\u672c\u3002\u7a33\u5b9a\u5e01\u7684\u51fa\u73b0\u53ef\u4ee5\u7b80\u5316\u652f\u4ed8\u6d41\u7a0b\uff0c\u4ece\u800c\u663e\u8457\u9020\u798f\u8fd9\u4e9b\u5de5\u4f5c\u8005\u3002\u6b64\u5916\uff0c\u8de8\u56fd\u8fd0\u8425\u7684\u4f01\u4e1a\u53ef\u4ee5\u4f7f\u7528\u7a33\u5b9a\u5e01\u9ad8\u6548\u5730\u7ba1\u7406\u73b0\u91d1\u6d41\uff0c\u5e76\u65e0\u7f1d\u5730\u5411\u5168\u7403\u5458\u5de5\u3001\u5ba2\u6237\u6216\u4f9b\u5e94\u5546\u652f\u4ed8\u6b3e\u9879\u3002<\/p>\n<p>\u5168\u7403\u63f4\u52a9\uff1a\u76ee\u524d\uff0c\u5168\u7403\u63f4\u52a9\u7ec4\u7ec7\u6536\u5230\u7684\u6bcf\u4e00\u7f8e\u5143\u6350\u6b3e\u4e2d\uff0c\u53ea\u6709\u7ea6 40 \u7f8e\u5206\u6700\u7ec8\u5230\u8fbe\u53d7\u52a9\u4eba\u624b\u4e2d\uff0c\u5176\u4f59\u7684\u8d44\u91d1\u5219\u6d41\u5411\u591a\u4e2a\u4e2d\u95f4\u5546\u3002\u6211\u4eec\u663e\u7136\u9700\u8981\u4e00\u4e2a\u66f4\u9ad8\u6548\u3001\u4f4e\u6210\u672c\u7684\u7cfb\u7edf\uff0c\u4ee5\u900f\u660e\u3001\u65e0\u7f1d\u7684\u65b9\u5f0f\u63d0\u4f9b\u5168\u7403\u63f4\u52a9\u3002<\/p>\n<p>\u4e00\u6279\u65b0\u7684\u516c\u53f8\u6b63\u5728\u56f4\u7ed5\u7a33\u5b9a\u5e01\u91cd\u5efa\u975e\u6d32\u7684\u8de8\u5883\u652f\u4ed8\u57fa\u7840\u8bbe\u65bd\u3002\u4f5c\u4e3a\u4ea4\u6613\u6240\uff0cYellow Card\u3001Busha\u3001VALR \u548c Luno \u4e3a\u672c\u5730\u7684\u51fa\u5165\u91d1\u8d27\u5e01\u627f\u5151\u63d0\u4f9b\u6d41\u52a8\u6027\u3002Conduit\u3001Honeycoin\u3001Shiga Digital \u548c Juicyway \u4e3a\u5546\u4e1a\u8d38\u6613\u3001\u6536\u6b3e\u548c\u652f\u4ed8\u63d0\u4f9b\u652f\u6301\uff0c\u800c Sling \u548c Send \u5219\u63a8\u52a8\u6d88\u8d39\u8005 P2P \u652f\u4ed8\u3002<\/p>\n<p>\u8fd9\u4e9b\u5efa\u8bbe\u8005\u9ed8\u9ed8\u5730\u8f6c\u79fb\u4e86\u5408\u8ba1\u6570\u5341\u4ebf\u7f8e\u5143\u3002\u8bb8\u591a\u516c\u53f8\u5e76\u4e0d\u76f4\u63a5\u9500\u552e\u201c\u7a33\u5b9a\u5e01\u201d\uff0c\u800c\u662f<strong>\u9500\u552e\u66f4\u4fbf\u5b9c\u7684\u6c47\u6b3e\u3001\u8425\u8fd0\u8d44\u672c\u6548\u7387\u548c\u8d27\u5e01\u7684\u7a33\u5b9a\u6027\u3002<\/strong><\/p>\n<h2><strong>\u56db\u3001\u975e\u6d32\u5efa\u8bbe\u8005\u7684\u673a\u9047<\/strong><\/h2>\n<p>\u201c\u5728\u975e\u6d32\uff0c\u4f60\u8e22\u4e00\u68f5\u6811\uff0c\u5c31\u4f1a\u6709\u4e09\u4e2a\u4f7f\u7528\u7a33\u5b9a\u5e01\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\u6389\u4e0b\u6765\u2026\u2026\u6211\u4eec\u652f\u6301\u7684\u6700\u5f3a\u56e2\u961f\u73b0\u5728\u62e5\u6709\u5355\u4e00\u7684\u6e20\u9053\u6216\u884c\u4e1a\u6d41\u52a8\u6027\u2014\u2014\u7a33\u5b9a\u5e01\u53ea\u85cf\u5728\u91d1\u878d\u79d1\u6280\u516c\u53f8\u7684\u5e55\u540e\u3002\u201d\u2014\u2014Brenton Naicker, Principal &amp; Head of Growth (Africa) at CV VC<\/p>\n<h3>4.1 \u521b\u9020\u4ef7\u503c\u7684\u56db\u4e2a\u6760\u6746<\/h3>\n<p>\u7a33\u5b9a\u5e01\u589e\u957f\u7684\u7b2c\u4e00\u6ce2\u96c6\u4e2d\u5728\u57fa\u7840\u8bbe\u65bd\u4e0a\uff1a\u51fa\u5165\u91d1\u3001\u6e20\u9053\u6d41\u52a8\u6027\u4ee5\u53ca\u57fa\u672c\u94b1\u5305\u529f\u80fd\u3002\u8fd9\u4e2a\u5c42\u9762\u6b63\u5728\u8fc5\u901f\u53d8\u5f97\u62e5\u6324\u3002<strong>\u4e0b\u4e00\u9636\u6bb5\u662f\u5dee\u5f02\u5316\uff1a\u8c01\u62e5\u6709\u7528\u6237\u3001\u8c01\u5b9a\u4e49\u6807\u51c6\uff0c\u4ee5\u53ca\u5728\u5b9e\u9645\u7528\u4f8b\u4e2d\u83b7\u53d6\u5229\u6da6\u3002<\/strong>\u4ee5\u4e0b\u662f\u5851\u9020\u6574\u4e2a\u975e\u6d32\u5927\u9646\u4ef7\u503c\u521b\u9020\u7684\u56db\u4e2a\u6760\u6746\uff1a<\/p>\n<h3><strong>A. \u5206\u9500\uff1a\u8d62\u5f97\u7528\u6237<\/strong><\/h3>\n<p>\u5bf9\u7528\u6237\u754c\u9762\u548c\u5ba2\u6237\u5173\u7cfb\u7684\u63a7\u5236\u51b3\u5b9a\u4e86\u4ea4\u6613\u91cf\u7684\u6d41\u5411\u3002\u6700\u5f3a\u7684\u516c\u53f8\u5e76\u4e0d\u662f\u4ee5\u7a33\u5b9a\u5e01\u57fa\u7840\u8bbe\u65bd\u4e3a\u5148\u5bfc\uff0c\u800c\u662f\u89e3\u51b3\u652f\u4ed8\u3001\u501f\u8d37\u6216\u8d44\u91d1\u7ba1\u7406\u95ee\u9898\uff0c\u5c06\u7a33\u5b9a\u5e01\u9690\u85cf\u5728\u5e55\u540e\u3002<\/p>\n<h3><strong>B. \u6d41\u52a8\u6027\uff1a\u63a7\u5236\u6e20\u9053\u7684\u4e24\u7aef<\/strong><\/h3>\n<p>\u672c\u5730\u5916\u6c47\u6d41\u52a8\u6027\u4e0d\u5747\u8861\u4e14\u96be\u4ee5\u590d\u5236\u3002\u80fd\u591f\u7ba1\u7406\u8d77\u70b9\u548c\u7ec8\u70b9\u6d41\u52a8\u7684\u56e2\u961f\u53ef\u4ee5\u63d0\u4f9b\u66f4\u597d\u7684\u5b9a\u4ef7\uff0c\u5185\u90e8\u51c0\u989d\u4ea4\u6613\uff0c\u5e76\u964d\u4f4e\u8d39\u7528\u3002\u6d41\u52a8\u6027\u4f1a\u7d2f\u79ef\uff0c\u5f62\u6210\u4e00\u79cd\u9632\u5fa1\u6027\u62a4\u57ce\u6cb3\u3002<\/p>\n<h3><strong>C. \u76d1\u7ba1\uff1a\u5728\u89c4\u5219\u5c1a\u672a\u5f62\u6210\u65f6\u5851\u9020\u89c4\u5219<\/strong><\/h3>\n<p>\u5728\u5c3c\u65e5\u5229\u4e9a\u548c\u80af\u5c3c\u4e9a\u7b49\u7ade\u4e89\u6fc0\u70c8\u7684\u5e02\u573a\u4e2d\uff0c\u5b8c\u7f8e\u6267\u884c\u81f3\u5173\u91cd\u8981\u3002\u4f46\u5728\u9a6c\u62c9\u7ef4\u6216\u4f5b\u5f97\u89d2\u7b49\u5c1a\u672a\u5145\u5206\u5f00\u53d1\u7684\u5e02\u573a\u4e2d\uff0c\u5148\u884c\u8005\u9762\u4e34\u7684\u7ade\u4e89\u8f83\u5c11\uff0c\u53ef\u4ee5\u4e0e\u76d1\u7ba1\u673a\u6784\u5408\u4f5c\u5b9a\u4e49\u6e38\u620f\u89c4\u5219\u3002\u65e9\u671f\u6295\u8d44\u4fe1\u4efb\u7684\u5efa\u8bbe\u8005\u53ef\u80fd\u4f1a\u8d62\u5f97\u957f\u671f\u7684\u653f\u7b56\u4e00\u81f4\u6027\u3002<\/p>\n<p>\u201c\u7f8e\u5143\u6d41\u52a8\u6027\u5728\u975e\u6d32\u5927\u90e8\u5206\u5730\u533a\u5df2\u7ecf\u901a\u8fc7\u7a33\u5b9a\u5e01\u5b9e\u73b0\u94fe\u4e0a\u5316\u3002\u653f\u7b56\u5236\u5b9a\u8005\u5e94\u8be5\u4f18\u5148\u5c06\u672c\u5730\u8d27\u5e01\u5927\u89c4\u6a21\u94fe\u4e0a\u5316\uff0c\u4ee5\u52a0\u901f\u7ecf\u6d4e\u4e3b\u6743\u548c\u8d38\u6613\u3002\u201d\u2014\u2014Wale Ayeni, Managing Partner of Helios Digital Ventures<\/p>\n<h3><strong>D. \u5782\u76f4\u9886\u57df\uff1a\u4e3a\u7279\u5b9a\u5de5\u4f5c\u6d41\u7a0b\u5b9a\u5236<\/strong><\/h3>\n<p>\u65e0\u8bba\u662f\u519c\u4e1a\uff08\u4f8b\u5982 Agridex\uff09\u3001\u7269\u6d41\u3001\u6559\u80b2\u8fd8\u662f\u5168\u7403\u63f4\u52a9\uff0c\u6bcf\u4e2a\u884c\u4e1a\u90fd\u6709\u5176\u81ea\u8eab\u7684\u5de5\u4f5c\u6d41\u7a0b\u3001\u7528\u6237\u671f\u671b\u3001\u5408\u89c4\u8981\u6c42\u548c\u652f\u4ed8\u8282\u594f\u3002\u4e13\u4e1a\u5efa\u8bbe\u8005\u80fd\u591f\u4f7f\u7528\u884c\u8bdd\uff0c\u63a5\u5165\u73b0\u6709\u5de5\u5177\uff0c\u5e76\u89e3\u51b3\u901a\u624d\u65e0\u6cd5\u89e3\u51b3\u7684\u95ee\u9898\u3002\u4e00\u65e6\u83b7\u5f97\u4fe1\u4efb\uff0c\u4ed6\u4eec\u53ef\u4ee5\u589e\u52a0\u989d\u5916\u7684\u91d1\u878d\u670d\u52a1\uff0c\u5982\u4fe1\u8d37\u3001\u8d44\u91d1\u7ba1\u7406\u6216\u4fdd\u9669\u3002\u4e13\u6ce8\u5e26\u6765\u7528\u6237\u7c98\u6027\u548c\u5229\u6da6\u3002<\/p>\n<h2><strong>4.2 \u975e\u6d32\u4e3b\u8981\u7684\u52a0\u5bc6\u7ecf\u6d4e\u4f53<\/strong><\/h2>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/s2.flink2.com\/news\/other\/20250521\/5fb26cdeac9a3be401ef766437918784.jpg\" \/><\/p>\n<p><span>(State of Crypto Report 2024: New data on swing states, stablecoins, AI, builder energy, and more)<\/span><\/p>\n<h3>A. <strong>\u5c3c\u65e5\u5229\u4e9a\u2014\u2014\u975e\u6d32\u52a0\u5bc6\u6d3b\u52a8\u7684\u4e2d\u5fc3<\/strong><\/h3>\n<p>\u53d7\u84ec\u52c3\u53d1\u5c55\u7684\u91d1\u878d\u79d1\u6280\u884c\u4e1a\u548c\u4e25\u5cfb\u7684\u7ecf\u6d4e\u6311\u6218\u7684\u63a8\u52a8\uff0c\u975e\u6d32\u4eba\u53e3\u6700\u591a\u7684\u56fd\u5bb6\u5c3c\u65e5\u5229\u4e9a\u5728\u7a33\u5b9a\u5e01\u7684\u91c7\u7528\u65b9\u9762\u5904\u4e8e\u9886\u5148\u5730\u4f4d\u3002\u8fd1\u5e74\u6765\uff0c\u5c3c\u65e5\u5229\u4e9a\u7ecf\u6d4e\u9762\u4e34\u4e00\u7cfb\u5217\u51b2\u51fb\u3002\u6cb9\u4ef7\u4f4e\u8ff7\uff08\u5176\u51fa\u53e3\u7ecf\u6d4e\u7684\u5173\u952e\u9a71\u52a8\u529b\uff09\uff0c\u52a0\u4e0a\u65b0\u51a0\u75ab\u60c5\u548c\u4f9b\u5e94\u94fe\u4e2d\u65ad\u7684\u5f71\u54cd\uff0c\u5bfc\u81f4\u4e86\u957f\u671f\u7684\u91d1\u878d\u4e0d\u786e\u5b9a\u6027\u3002\u5c3c\u65e5\u5229\u4e9a\u7684\u901a\u8d27\u81a8\u80c0\u7387\u4f4d\u5c45\u975e\u6d32\u6700\u9ad8\u4e4b\u5217\uff0c\u751a\u81f3\u9ad8\u4e8e\u6574\u4e2a\u6cd5\u8bed\u533a\u3002\u968f\u7740\u5948\u62c9\u6301\u7eed\u8d2c\u503c\uff0c\u7a33\u5b9a\u5e01\u5df2\u6210\u4e3a\u5c3c\u65e5\u5229\u4e9a\u4eba\u5bfb\u6c42\u8d22\u5bcc\u4fdd\u503c\u548c\u5168\u7403\u4ea4\u6613\u7684\u91cd\u8981\u5de5\u5177\u3002<\/p>\n<p>\u5728 Chainalysis \u56e2\u961f\u7684\u52a0\u5bc6\u5168\u7403\u91c7\u7528\u6307\u6570\u4e2d\uff0c\u8be5\u56fd\u603b\u4f53\u6392\u540d\u7b2c\u4e8c\u3002\u5728 2023 \u5e74 7 \u6708\u81f3 2024 \u5e74 6 \u6708\u671f\u95f4\uff0c\u8be5\u56fd\u63a5\u6536\u4e86\u4ef7\u503c\u7ea6 590 \u4ebf\u7f8e\u5143\u7684\u52a0\u5bc6\u8d27\u5e01\u3002\u5c3c\u65e5\u5229\u4e9a\u4e5f\u662f\u79fb\u52a8\u52a0\u5bc6\u94b1\u5305\u91c7\u7528\u7684\u4e3b\u8981\u5e02\u573a\u4e4b\u4e00\uff0c\u4ec5\u6b21\u4e8e\u7f8e\u56fd\u3002\u8be5\u56fd\u79ef\u6781\u81f4\u529b\u4e8e\u76d1\u7ba1\u660e\u786e\u6027\uff0c\u5305\u62ec\u901a\u8fc7\u5b75\u5316\u8ba1\u5212\uff0c\u5e76\u4e14\u7a33\u5b9a\u5e01\u5728\u65e5\u5e38\u4ea4\u6613\uff08\u5982\u8d26\u5355\u652f\u4ed8\u548c\u96f6\u552e\u8d2d\u4e70\uff09\u4e2d\u7684\u4f7f\u7528\u663e\u8457\u589e\u957f\u3002<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/s2.flink2.com\/news\/other\/20250521\/d84f026ad3dce836aaaf7ded0b8d7283.jpg\" \/><\/p>\n<p><span>(Sub-Saharan Africa: Nigeria Takes #2 Spot in Global Adoption, South Africa Grows Crypto-TradFi Nexus, Chainalysis)<\/span><\/p>\n<p>\u4e0e\u57c3\u585e\u4fc4\u6bd4\u4e9a\u3001\u52a0\u7eb3\u548c\u5357\u975e\u4e00\u6837\uff0c\u7a33\u5b9a\u5e01\u4e5f\u662f\u5c3c\u65e5\u5229\u4e9a\u52a0\u5bc6\u7ecf\u6d4e\u7684\u91cd\u8981\u7ec4\u6210\u90e8\u5206\uff0c\u5360\u8be5\u5730\u533a\u6240\u6709\u7a33\u5b9a\u5e01\u6d41\u5165\u91cf\u7684\u7ea6 40%\u2014\u2014\u662f\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u5730\u533a\u6700\u9ad8\u7684\u3002<strong>\u5c3c\u65e5\u5229\u4e9a\u7528\u6237\u62a5\u544a\u79f0\uff0c\u4ed6\u4eec\u7684\u4ea4\u6613\u9891\u7387\u8f83\u9ad8\uff0c\u5e76\u4e14\u6700\u6df1\u523b\u5730\u7406\u89e3\u7a33\u5b9a\u5e01\u662f\u4e00\u79cd\u91d1\u878d\u5de5\u5177\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662f\u4e00\u79cd\u8d44\u4ea7\u7c7b\u522b\u3002<\/strong><\/p>\n<p>\u5c3c\u65e5\u5229\u4e9a\u7684\u52a0\u5bc6\u6d3b\u52a8\u4e3b\u8981\u7531\u5c0f\u989d\u96f6\u552e\u548c\u4e13\u4e1a\u89c4\u6a21\u7684\u4ea4\u6613\u63a8\u52a8\uff0c\u5176\u4e2d\u7ea6 85% \u7684\u8f6c\u8d26\u4ef7\u503c\u4f4e\u4e8e 100 \u4e07\u7f8e\u5143\u3002\u7531\u4e8e\u4f20\u7edf\u6c47\u6b3e\u6e20\u9053\u6548\u7387\u4f4e\u4e0b\u4e14\u6210\u672c\u9ad8\u6602\uff0c\u8bb8\u591a\u5c3c\u65e5\u5229\u4e9a\u4eba\u4f9d\u8d56\u7a33\u5b9a\u5e01\u8fdb\u884c\u8de8\u5883\u6c47\u6b3e\u3002Sodipo \u6307\u51fa\uff1a\u201c<strong>\u8de8\u5883\u6c47\u6b3e\u662f\u5c3c\u65e5\u5229\u4e9a\u7a33\u5b9a\u5e01\u7684\u4e3b\u8981\u7528\u9014\u3002\u5b83\u66f4\u5feb\u3001\u66f4\u5b9e\u60e0\u3002<\/strong>\u201d<\/p>\n<p>\u201c\u8d26\u5355\u652f\u4ed8\u3001\u624b\u673a\u5145\u503c\u548c\u96f6\u552e\u8d2d\u7269\u7b49\u65e5\u5e38\u6d3b\u52a8\u8d8a\u6765\u8d8a\u591a\u5730\u7531\u52a0\u5bc6\u8d27\u5e01\u9a71\u52a8\u3002\u4eba\u4eec\u5f00\u59cb\u770b\u5230\u52a0\u5bc6\u8d27\u5e01\u5728\u73b0\u5b9e\u4e16\u754c\u4e2d\u7684\u5b9e\u7528\u6027\uff0c\u7279\u522b\u662f\u5728\u65e5\u5e38\u4ea4\u6613\u4e2d\uff0c\u8fd9\u4e0e\u4e4b\u524d\u5c06\u52a0\u5bc6\u8d27\u5e01\u89c6\u4e3a\u5feb\u901f\u81f4\u5bcc\u624b\u6bb5\u7684\u89c2\u70b9\u4e0d\u540c\u3002\u201d\u2014\u2014Moyo Sodipo\uff0c CEO &amp; Co-founder of Busha\uff0c \u5c3c\u65e5\u5229\u4e9a\u52a0\u5bc6\u8d27\u5e01\u4ea4\u6613\u6240<\/p>\n<p>\u9664\u4e86\u4f20\u7edf\u7684\u91d1\u878d\u7cfb\u7edf\u5916\uff0c<strong>DeFi \u5e73\u53f0\u8fd8\u4e3a\u5c3c\u65e5\u5229\u4e9a\u4eba\u63d0\u4f9b\u4e86\u8d5a\u53d6\u5229\u606f\u3001\u8d37\u6b3e\u548c\u53c2\u4e0e\u53bb\u4e2d\u5fc3\u5316\u4ea4\u6613\u7684\u65b0\u673a\u4f1a\u3002<\/strong>Sodipo \u8868\u793a\uff1a\u201cDeFi \u662f\u4e00\u4e2a\u5173\u952e\u7684\u589e\u957f\u9886\u57df\uff0c\u56e0\u4e3a\u7528\u6237\u6b63\u5728\u63a2\u7d22\u6700\u5927\u5316\u56de\u62a5\u548c\u83b7\u5f97\u4ed6\u4eec\u53ef\u80fd\u65e0\u6cd5\u83b7\u5f97\u7684\u91d1\u878d\u670d\u52a1\u7684\u65b9\u6cd5\u3002\u201d<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/s2.flink2.com\/news\/other\/20250521\/629903664782c6a823124de423641562.jpg\" \/><\/p>\n<p><span>(GPR 2025: the past, present and future of payments, WorldPay)<\/span><\/p>\n<p>\u6211\u4eec\u80fd\u591f\u5728\u4e0a\u56fe\u770b\u5230\u52a0\u5bc6\u8d27\u5e01\u4f5c\u4e3a\u652f\u4ed8\u624b\u6bb5\uff0c\u5728\u5c3c\u65e5\u5229\u4e9a\u7684\u7ebf\u4e0a E-com \u4ee5\u53ca\u7ebf\u4e0b\u9500\u552e\u70b9 POS \u5df2\u7ecf\u5360\u5230 1% \u7684\u4efd\u989d\uff0c\u5e76\u88ab\u5f52\u7c7b\u5230 Digital Payments\u3002\u5728 WorldPay \u7684\u62a5\u544a\u4e2d\uff0c\u7c7b\u4f3c\u7684\u56fd\u5bb6\u5305\u62ec\uff1aArgentina, Brazil, India, Nigeria, Philippines, Singapore, Turkey\u3002<\/p>\n<p>\u5728\u901a\u8d27\u81a8\u80c0\u3001\u6c47\u6b3e\u548c\u91d1\u878d\u6e20\u9053\u63a8\u52a8\u7a33\u5b9a\u5e01\u5e94\u7528\u7684\u80cc\u666f\u4e0b\uff0c\u76f8\u4fe1\u7a33\u5b9a\u5e01\u7684\u91c7\u7528\u5c06\u5728\u5404\u4e2a\u573a\u666f\u4e2d\u5f97\u5230\u4f53\u73b0\u3002\u5c3c\u65e5\u5229\u4e9a\u5df2\u6210\u4e3a\u975e\u6d32\u7a33\u5b9a\u5e01\u7684\u7406\u60f3\u8bd5\u9a8c\u573a\u3002\u8be5\u56fd\u5728\u7a33\u5b9a\u5e01\u57fa\u7840\u8bbe\u65bd\u5efa\u8bbe\u4e2d\u626e\u6f14\u7684\u89d2\u8272\u5c06\u51b3\u5b9a\u8be5\u6280\u672f\u5728\u975e\u6d32\u5927\u9646\u7684\u53d1\u5c55\u65b9\u5411\u3002<\/p>\n<p>2023 \u5e74 12 \u6708\uff0c\u5c3c\u65e5\u5229\u4e9a\u592e\u884c\u89e3\u9664\u4e86\u5bf9\u4e3a\u52a0\u5bc6\u8d27\u5e01\u516c\u53f8\u63d0\u4f9b\u670d\u52a1\u7684\u94f6\u884c\u7684\u7981\u4ee4\uff0c\u8fd9\u4e5f\u5bf9\u52a0\u5bc6\u8d27\u5e01\u7684\u666e\u53ca\u8d77\u5230\u4e86\u5173\u952e\u4f5c\u7528\u3002\u201c\u81ea\u4ece\u94f6\u884c\u7981\u4ee4\u89e3\u9664\u4ee5\u6765\uff0c\u5b83\u4e3a\u5408\u4f5c\u548c\u66f4\u987a\u7545\u7684\u4ea4\u6613\u5f00\u8f9f\u4e86\u5f88\u591a\u53ef\u80fd\u6027\uff0c\u201dSodipo \u89e3\u91ca\u9053\u3002\u5728\u6b64\u57fa\u7840\u4e0a\uff0c 2024 \u5e74 6 \u6708\uff0c\u5c3c\u65e5\u5229\u4e9a\u8bc1\u5238\u4ea4\u6613\u59d4\u5458\u4f1a\uff08SEC\uff09\u63a8\u51fa\u4e86\u52a0\u901f\u76d1\u7ba1\u5b75\u5316\u8ba1\u5212\uff08ARIP\uff09\uff0c\u8981\u6c42\u6240\u6709\u865a\u62df\u8d44\u4ea7\u670d\u52a1\u63d0\u4f9b\u5546\uff08VASP\uff09\u5728\u83b7\u5f97\u5168\u9762\u6279\u51c6\u4e4b\u524d\u5fc5\u987b\u6ce8\u518c\u5e76\u63a5\u53d7\u8bc4\u4f30\u3002\u201c\u4e1a\u754c\u5bf9 ARIP \u6301\u4e50\u89c2\u6001\u5ea6\uff1b\u8fd9\u662f\u6446\u8131\u4e0d\u786e\u5b9a\u6027\u7684\u8f6c\u53d8\uff0c\u4e5f\u662f\u671d\u7740\u76d1\u7ba1\u660e\u786e\u6027\u8fc8\u51fa\u7684\u79ef\u6781\u4e00\u6b65\uff0c\u201dSodipo \u8bf4\u3002<\/p>\n<p>\u8fd9\u4e9b\u653f\u7b56\u4e3e\u63aa\u5c06\u4f7f\u5404\u884c\u5404\u4e1a\u7684\u516c\u53f8\u80fd\u591f\u8003\u8651\u4ece\u4f20\u7edf\u7684\u652f\u4ed8\u6e20\u9053\u8f6c\u5411\u7a33\u5b9a\u5e01\u57fa\u7840\u8bbe\u65bd\u3002\u867d\u7136\u5408\u89c4\u7684\u89e3\u51b3\u65b9\u6848\u5e76\u975e\u5b8c\u7f8e\u65e0\u7f3a\uff0c\u4f46\u6bcf\u4e00\u4f4d\u91c7\u7528\u7a33\u5b9a\u5e01\u7684\u4f01\u4e1a\u90fd\u80fd\u5411\u73b0\u6709\u4f01\u4e1a\u8bc1\u660e\uff0c\u7a33\u5b9a\u5e01\u662f\u89e3\u51b3\u4f20\u7edf\u652f\u4ed8\u95ee\u9898\u7684\u53ef\u9760\u3001\u5b89\u5168\u3001\u5408\u89c4\u4e14\u66f4\u5b8c\u5584\u7684\u89e3\u51b3\u65b9\u6848\u3002<\/p>\n<h3><strong>B. \u5357\u975e\u2014\u2014TradFi \u673a\u6784\u91c7\u7528\u63a8\u52a8\u5e02\u573a\u53d1\u5c55<\/strong><\/h3>\n<p>\u4f5c\u4e3a\u975e\u6d32\u6700\u5927\u7684\u7ecf\u6d4e\u4f53\uff0c\u5357\u975e\u5df2\u5c06\u81ea\u5df1\u5b9a\u4f4d\u4e3a\u975e\u6d32\u6700\u5148\u8fdb\u7684 Web3 \u5e02\u573a\u4e4b\u4e00\uff0c\u5e76\u62e5\u6709\u5148\u8fdb\u7684\u76d1\u7ba1\u6846\u67b6\u548c\u5f3a\u5927\u7684\u673a\u6784\u6295\u8d44\u8005\u5174\u8da3\u3002\u8be5\u56fd\u5df2\u6210\u4e3a\u975e\u6d32\u5927\u9646\u6700\u5927\u7684\u52a0\u5bc6\u8d27\u5e01\u5e02\u573a\u4e4b\u4e00\uff0c\u8fc7\u53bb\u4e00\u5e74\u7684\u4ea4\u6613\u989d\u8fbe 260 \u4ebf\u7f8e\u5143\u3002\u4e0e\u8bb8\u591a\u4e3b\u8981\u7531\u6563\u6237\u63a8\u52a8\u52a0\u5bc6\u8d27\u5e01\u91c7\u7528\u7684\u975e\u6d32\u56fd\u5bb6\u4e0d\u540c\uff0c\u5357\u975e\u7684\u673a\u6784\u6295\u8d44\u8005\u53c2\u4e0e\u5ea6\u6b63\u5728\u4e0d\u65ad\u63d0\u9ad8\uff0c\u6301\u724c\u516c\u53f8\u548c\u4f20\u7edf\u91d1\u878d\u673a\u6784\u7eb7\u7eb7\u8fdb\u5165\u8be5\u9886\u57df\u3002<\/p>\n<p>\u4ece 2023 \u5e74\u5e95\u5f00\u59cb\uff0c\u7a33\u5b9a\u5e01\u5728\u5357\u975e\u5f53\u5730\u4ea4\u6613\u6240\u6301\u7eed\u589e\u957f\u2014\u20142023 \u5e74 10 \u6708\u73af\u6bd4\u589e\u957f\u8d85\u8fc7 50%\u3002\u7a33\u5b9a\u5e01\u5df2\u53d6\u4ee3\u6bd4\u7279\u5e01\u6210\u4e3a\u8fd1\u51e0\u4e2a\u6708\u6765\u6700\u53d7\u6b22\u8fce\u7684\u52a0\u5bc6\u8d27\u5e01\u3002<\/p>\n<p><img decoding=\"async\" alt=\"\" src=\"https:\/\/s2.flink2.com\/news\/other\/20250521\/23df769fc2a31f70094d2be8b5eae55c.jpg\" \/><\/p>\n<p><span>(Sub-Saharan Africa: Nigeria Takes #2 Spot in Global Adoption, South Africa Grows Crypto-TradFi Nexus, 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decoding=\"async\" alt=\"\" src=\"https:\/\/s2.flink2.com\/news\/other\/20250521\/054bcf4cb0abc0c4ac86c2ce1f27ea90.jpg\" \/><\/p>\n<p><span>\uff08Nika\uff0c \u62cd\u6444\u4e8e\u80af\u5c3c\u4e9a\u5e02\u4e2d\u5fc3\uff0c 2025 \u5e74 5 \u6708\uff09<\/span><\/p>\n<h2><strong>\u4e94\u3001\u9700\u8981\u514b\u670d\u7684\u91c7\u7528\u969c\u788d<\/strong><\/h2>\n<p>\u5c3d\u7ba1\u6211\u4eec\u80fd\u591f\u770b\u5230\u4f17\u591a\u5efa\u8bbe\u8005\u5728\u975e\u6d32\u7684\u7406\u60f3\u5b9e\u9a8c\u7530\u4e2d\u53d6\u5f97\u4e86\u5f3a\u52b2\u7684\u8fdb\u5c55\uff0c\u4f46\u662f\u7a33\u5b9a\u5e01\u57fa\u7840\u8bbe\u65bd\u4ecd\u7136\u9762\u4e34\u7ed3\u6784\u6027\u6311\u6218\u3002\u8981\u8fdb\u4e00\u6b65\u6269\u5c55\uff0c\u5efa\u8bbe\u8005\u5fc5\u987b\u5e94\u5bf9\u8270\u96be\u7684\u969c\u788d\uff0c\u5176\u4e2d\u4e00\u4e9b\u662f\u6280\u672f\u6027\u7684\uff0c\u53e6\u4e00\u4e9b\u662f\u653f\u6cbb\u6027\u7684\u3002<\/p>\n<h3><strong>5.1 \u653f\u7b56\u98ce\u9669\u548c\u76d1\u7ba1\u6a21\u7cca<\/strong><\/h3>\n<p>\u5c3d\u7ba1\u6700\u5927\u7684\u56fd\u5bb6\u5728\u76d1\u7ba1\u65b9\u9762\u53d6\u5f97\u4e86\u8fdb\u5c55\uff0c\u4f46\u5927\u591a\u6570\u5176\u4ed6\u56fd\u5bb6\u4ecd\u7136\u5904\u4e8e\u76d1\u7ba1\u7070\u8272\u5730\u5e26\u3002\u7a33\u5b9a\u5e01\u65e2\u672a\u88ab\u7981\u6b62\uff0c\u4e5f\u672a\u88ab\u5b8c\u5168\u5408\u6cd5\u5316\uff0c\u8fd9\u51cf\u7f13\u4e86\u4f01\u4e1a\u91c7\u7528\u7684\u901f\u5ea6\uff0c\u5e76\u963b\u788d\u4e86\u673a\u6784\u8d44\u672c\u7684\u8fdb\u5165\u3002<\/p>\n<p>\u968f\u7740\u4ea4\u6613\u91cf\u7684\u589e\u957f\uff0c\u6267\u6cd5\u529b\u5ea6\u53ef\u80fd\u4f1a\u5728\u8d44\u672c\u7ba1\u5236\u3001\u7a0e\u6536\u3001\u53cd\u6d17\u94b1\u548c\u62a5\u544a\u65b9\u9762\u589e\u52a0\u3002\u8fd9\u4e00\u9886\u57df\u7684\u8fdb\u5c55\u5c06\u6765\u81ea\u4e0e\u76d1\u7ba1\u673a\u6784\u7684\u79ef\u6781\u4e92\u52a8\u3002\u521b\u59cb\u4eba\u3001\u884c\u4e1a\u534f\u4f1a\u548c\u533a\u57df\u6c99\u76d2\u53ef\u4ee5\u5e2e\u52a9\u5851\u9020\u89c4\u5219\u3002<\/p>\n<p>\u201cBusha \u5f88\u81ea\u8c6a\u6210\u4e3a\u8fd9\u4e2a\u5e02\u573a\u4e0a\u7684\u7b2c\u4e00\u5bb6\u83b7\u5f97\u8bb8\u53ef\u7684\u4ea4\u6613\u6240\uff0c\u6211\u4eec\u6b63\u5728\u5f15\u9886\u8fd9\u573a\u53d8\u9769\uff0c\u63d0\u4f9b\u6240\u9700\u7684\u6d41\u52a8\u6027\u3001\u4fe1\u4efb\u548c\u57fa\u7840\u8bbe\u65bd\uff0c\u4ee5\u63a8\u52a8\u7a33\u5b9a\u5e01\u9a71\u52a8\u7684\u7ecf\u6d4e\u3002\u8fd9\u4e0d\u662f\u672a\u6765\uff0c\u5b83\u5df2\u7ecf\u5230\u6765\u3002\u201d\u2014\u2014Michael Adeyeri, Co-Founder &amp; CEO of Busha<\/p>\n<h3><strong>5.2 \u8d27\u5e01\u4e3b\u6743<\/strong><\/h3>\n<p>\u5404\u56fd\u653f\u5e9c\u8d8a\u6765\u8d8a\u62c5\u5fc3\u7a33\u5b9a\u5e01\u94b1\u5305\u6b63\u5728\u521b\u9020\u4e00\u4e2a\u201c\u5f71\u5b50\u7f8e\u5143\u7ecf\u6d4e\u201d\u3002\u4e00\u4e9b\u56fd\u5bb6\u6b63\u5728\u63a2\u7d22\u672c\u5730\u66ff\u4ee3\u65b9\u6848\uff0c\u4f8b\u5982 ZARP\uff08\u6d25\u5df4\u5e03\u97e6\u6570\u5b57\u8d44\u4ea7\u50a8\u5907\u5e73\u53f0\uff09\u548c cNGN\uff08\u5948\u62c9\u652f\u6301\u7684\u7a33\u5b9a\u5e01\uff09\uff0c\u6216\u8005\u8bd5\u70b9\u592e\u884c\u6570\u5b57\u8d27\u5e01\uff08CBDC\uff09\uff0c\u4ee5\u7ef4\u6301\u8d27\u5e01\u63a7\u5236\u6743\u3002<\/p>\n<p>\u201c\u7f8e\u5143\u7a33\u5b9a\u5e01\u7684\u4e3b\u5bfc\u5730\u4f4d\u53cd\u6620\u51fa\u4e00\u79cd\u4fe1\u4efb\u5371\u673a\u2026\u2026\u5982\u679c\u6ca1\u6709\u679c\u65ad\u7684\u653f\u7b56\u521b\u65b0\u548c\u5bf9\u50cf cNGN \u8fd9\u6837\u7684\u53d7\u76d1\u7ba1\u7684\u3001\u6709\u7ade\u4e89\u529b\u7684\u5948\u62c9\u652f\u6301\u7a33\u5b9a\u5e01\u7684\u9f13\u52b1\uff0c\u975e\u6d32\u56fd\u5bb6\u53ef\u80fd\u4f1a\u5c06\u5176\u91d1\u878d\u63a7\u5236\u6743\u62f1\u624b\u8ba9\u7ed9\u79bb\u5cb8\u7a33\u5b9a\u5e01\u53d1\u884c\u65b9\u3002\u201d\u2014\u2014Adedeji Owonibi, Founder &amp; COO of Convexity (cNGN Issuer)<\/p>\n<h3><strong>5.3 \u6d41\u52a8\u6027\u7f3a\u53e3<\/strong><\/h3>\n<p>\u5feb\u901f\u8de8\u5883\u652f\u4ed8\u9700\u8981\u8d44\u672c\u5728\u6b63\u786e\u7684\u65f6\u95f4\u3001\u5730\u70b9\u548c\u8d27\u5e01\u4e2d\u53ef\u7528\u3002\u50cf Wise \u548c Thunes \u8fd9\u6837\u7684\u63d0\u4f9b\u5546\u901a\u8fc7\u9884\u5b58\u8d44\u91d1\u8d26\u6237\u6765\u89e3\u51b3\u8fd9\u4e00\u95ee\u9898\uff0c\u4f46\u968f\u7740\u7a33\u5b9a\u5e01\u7684\u6d41\u52a8\uff0c\u8fd9\u4e00\u8d23\u4efb\u8f6c\u79fb\u5230\u4e86\u505a\u5e02\u5546\u3001\u573a\u5916\u4ea4\u6613\u67dc\u53f0\u548c\u5176\u4ed6\u6d41\u52a8\u6027\u63d0\u4f9b\u8005\u8eab\u4e0a\u3002\u968f\u7740\u4ea4\u6613\u91cf\u7684\u589e\u957f\uff0c\u8d44\u672c\u5728\u6bcf\u4e2a\u901a\u9053\u4e2d\u4ecd\u7136\u662f\u4e00\u4e2a\u9650\u5236\u56e0\u7d20\u3002<\/p>\n<p>\u50cf MANSA \u548c Arf \u8fd9\u6837\u7684\u652f\u4ed8\u91d1\u878d\uff08PayFi\uff09\u516c\u53f8\u6b63\u5728\u586b\u8865\u8fd9\u4e00\u7a7a\u767d\u3002\u901a\u8fc7\u5c06\u7a33\u5b9a\u5e01\u4f5c\u4e3a\u4f20\u8f93\u5c42\uff0c\u5b83\u4eec\u4e3a\u91d1\u878d\u79d1\u6280\u516c\u53f8\u3001\u534f\u8c03\u8005\u548c\u4e2d\u5c0f\u4f01\u4e1a\u63d0\u4f9b\u4e86\u5b9e\u65f6\u6d41\u52a8\u6027\u3002<\/p>\n<p>\u201c\u5b9e\u65f6\u3001\u4f4e\u6210\u672c\u7684\u6d41\u52a8\u6027\u4e0d\u4ec5\u8ba9\u652f\u4ed8\u66f4\u5feb\uff0c\u8fd8\u89e3\u9501\u4e86\u5168\u65b0\u7684\u6a21\u5f0f\uff0c\u6bd4\u5982\u53ca\u65f6\u4f9b\u5e94\u5546\u878d\u8d44\u3002\u5bf9\u4e8e\u90a3\u4e9b\u4e00\u76f4\u56f4\u7ed5\u7ed3\u7b97\u98ce\u9669\u6784\u5efa\u4e1a\u52a1\u7684\u521b\u59cb\u4eba\u6765\u8bf4\uff0c\u8fd9\u662f\u4e00\u4e2a\u6e38\u620f\u89c4\u5219\u7684\u6539\u53d8\u8005\u3002<\/p>\n<p>\u4e0b\u4e00\u6b65\u662f\u5c06\u8fd9\u79cd\u7f8e\u5143\u6d41\u52a8\u6027\u76f4\u63a5\u5d4c\u5165\u65b0\u5174\u5e02\u573a\u4f01\u4e1a\u5df2\u7ecf\u4f7f\u7528\u7684\u5e94\u7528\u7a0b\u5e8f\u548c\u5de5\u5177\u4e2d\uff0c\u4ee5\u4fbf\u4ef7\u503c\u80fd\u591f\u50cf WhatsApp \u6d88\u606f\u4e00\u6837\u8f7b\u677e\u5730\u6d41\u52a8\u3002\u201d\u2014\u2014Mouloukou Sanoh, CEO &amp; Co-Founder, MANSA<\/p>\n<h3><strong>5.4 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&amp; Co-Founder at Archer<\/p>\n<h3><strong>5.5 \u610f\u8bc6\u548c\u6559\u80b2<\/strong><\/h3>\n<p>\u5728\u52a0\u5bc6\u8d27\u5e01\u539f\u751f\u5708\u5b50\u4e4b\u5916\uff0c\u8bb8\u591a\u5546\u5bb6\u548c\u4ee3\u7406\u4ecd\u7136\u89c9\u5f97\u7a33\u5b9a\u5e01\u96be\u4ee5\u7406\u89e3\u3002\u6301\u7eed\u7684\u201c\u6700\u540e\u4e00\u516c\u91cc\u201d\u91c7\u7528\u53d6\u51b3\u4e8e\u6613\u7528\u6027\u3001\u57f9\u8bad\u548c\u5c55\u793a\u5b9e\u9645\u4ef7\u503c\u3002<\/p>\n<p>\u201c\u5728\u8bb8\u591a\u519c\u6751\u5730\u533a\u751a\u81f3\u57ce\u5e02\u793e\u533a\uff0c\u5bf9\u52a0\u5bc6\u8d27\u5e01\u7684\u8ba4\u77e5\u5ea6\u4ecd\u7136\u5f88\u4f4e\uff0c\u56e0\u4e3a\u52a0\u5bc6\u8d27\u5e01\u770b\u8d77\u6765\u592a\u6280\u672f\u5316\u4e86\u3002\u201d\u2014\u2014Xino Zee, Lead at Send Africa<\/p>\n<p>\u8fd9\u4e9b\u969c\u788d\u662f\u771f\u5b9e\u5b58\u5728\u7684\uff0c\u4f46\u6bcf\u5929\u90fd\u5728\u9010\u6e10\u88ab\u514b\u670d\u3002\u6210\u529f\u7684\u56e2\u961f\u4e0d\u4f1a\u7b49\u5f85\u6761\u4ef6\u5b8c\u7f8e\uff0c\u800c\u662f\u4f1a\u589e\u5f3a\u97e7\u6027\u3001\u8d62\u5f97\u4fe1\u4efb\uff0c\u5e76\u968f\u7740\u76d1\u7ba1\u7684\u5b8c\u5584\u800c\u9002\u5e94\u5404\u4e2a\u901a\u9053\u548c\u793e\u533a\u3002<\/p>\n<h2><strong>\u516d\u3001\u7a33\u5b9a\u5e01\u6b63\u5728\u91cd\u65b0\u5b9a\u4e49\u975e\u6d32\u91d1\u878d<\/strong><\/h2>\n<p>\u7a33\u5b9a\u5e01\u901a\u8fc7\u63d0\u4f9b\u4fbf\u6377\u3001\u9ad8\u6548\u3001\u53ef\u9760\u7684\u4f20\u7edf\u94f6\u884c\u7cfb\u7edf\u66ff\u4ee3\u65b9\u6848\uff0c\u6b63\u5728\u4ece\u6839\u672c\u4e0a\u6539\u53d8\u65b0\u5174\u5e02\u573a\u7684\u91d1\u878d\u683c\u5c40\u3002\u4e0e\u897f\u65b9\u7ecf\u6d4e\u4f53\u53d7\u673a\u6784\u9a71\u52a8\u7684\u91c7\u7528\u4e0d\u540c\uff0c\u975e\u6d32\u5e76\u6ca1\u6709\u7b49\u5f85\u5bf9\u4e8e\u7a33\u5b9a\u5e01\u7684\u5168\u7403\u5171\u8bc6\uff0c\u800c\u662f\u5df2\u7ecf\u7740\u624b\u5efa\u8bbe\u3002\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u7b49\u65b0\u5174\u5e02\u573a\u6b63\u5728\u7ecf\u5386\u7531\u6563\u6237\u7528\u6237\u53c2\u4e0e\u7684\u5c0f\u989d\u8f6c\u8d26\u3001\u6c47\u6b3e\u3001\u70b9\u5bf9\u70b9\u652f\u4ed8\u548c\u4ef7\u503c\u5b58\u50a8\u7684\u8349\u6839\u5f0f\u589e\u957f\u3002\u540c\u65f6\uff0c\u4e5f\u5728\u91d1\u878d\u79d1\u6280\u516c\u53f8\u7684\u63a8\u52a8\u4e0b\uff0c\u5728\u6c47\u6b3e\u3001\u8d38\u6613\u3001\u4fe1\u8d37\u548c\u50a8\u84c4\u7b49\u9886\u57df\uff0c\u5b9e\u9645\u5f00\u5c55\u5e94\u7528\u3002<\/p>\n<p>\u8fc7\u53bb\u51e0\u5e74\u7684\u7ecf\u9a8c\u8bc1\u660e\uff0c\u7a33\u5b9a\u5e01\u4e0d\u4ec5\u4ec5\u662f\u4e00\u79cd\u66ff\u4ee3\u65b9\u6848\uff0c\u66f4\u662f\u975e\u6d32\u8d27\u5e01\u672a\u6765\u7684\u5fc5\u7136\u8d8b\u52bf\u3002\u5b83\u4eec\u80fd\u591f\u7ed5\u8fc7\u65ad\u88c2\u7684\u91d1\u878d\u8f68\u9053\uff0c\u63d0\u4f9b\u7a33\u5b9a\u7684\u4ef7\u503c\uff0c\u5e76\u5b9e\u73b0\u5373\u65f6\u3001\u4f4e\u6210\u672c\u7684\u4ea4\u6613\uff0c\u4f7f\u5176\u6210\u4e3a\u4e2a\u4eba\u3001\u4f01\u4e1a\u4e43\u81f3\u673a\u6784\u7684\u91cd\u8981\u5de5\u5177\u3002\u968f\u7740\u66f4\u591a\u57fa\u7840\u8bbe\u65bd\u7684\u5efa\u8bbe\u548c\u76d1\u7ba1\u900f\u660e\u5ea6\u7684\u63d0\u9ad8\uff0c\u7a33\u5b9a\u5e01\u5fc5\u5c06\u66f4\u52a0\u6df1\u5165\u5730\u878d\u5165\u975e\u6d32\u7684\u91d1\u878d\u4f53\u7cfb\u3002<\/p>\n<p>\u8fd9\u91cc\u5c31\u662f\u53ef\u7f16\u7a0b\u8d27\u5e01\u7684\u672a\u6765\u539f\u578b\u3002\u8fd9\u662f\u4e00\u4e2a\u503c\u5f97\u5b66\u4e60\u3001\u5efa\u8bbe\u5e76\u6295\u8d44\u7684\u5730\u533a\u3002<\/p>\n<p>\u6211\u4eec\u6b63\u5728\u5236\u4f5c\u4e00\u7cfb\u5217\u7eaa\u5f55\u7247\u6765\u8bb2\u8ff0\u8fd9\u4e9b\u6545\u4e8b\u2014\u2014\u4eba\u7c7b\u5728\u6700\u540e\u4e00\u82f1\u91cc\u4f7f\u7528\u7a33\u5b9a\u5e01\u7684\u6545\u4e8b\u2014\u2014\u56e0\u4e3a\u4e3a\u4e86\u5145\u5206\u5b9e\u73b0\u7a33\u5b9a\u5e01\u7684\u673a\u4f1a\uff0c\u6211\u4eec\u9700\u8981\u66f4\u597d\u5730\u4e86\u89e3\u63a8\u52a8\u7a33\u5b9a\u5e01\u53d1\u5c55\u7684\u6761\u4ef6\uff0c\u5e76\u5c06\u7ee7\u7eed\u63a8\u52a8\u7a33\u5b9a\u5e01\u5728\u8be5\u6280\u672f\u5df2\u627e\u5230\u4ea7\u54c1\u5e02\u573a\u5951\u5408\u70b9\u7684\u5e02\u573a\u4e2d\u7684\u91c7\u7528\u3002\u2014\u2014Justin 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Twitter\u5b98\u65b9\u8d26\u53f7\uff1ahttps:\/\/x.com\/TechFlowPost<br \/>                        Twitter\u82f1\u6587\u8d26\u53f7\uff1ahttps:\/\/x.com\/BlockFlow_News                    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Web3 \u652f\u4ed8\u4e07\u5b57\u7814\u62a5\uff1a2025 \u5e74\uff0c\u7a33\u5b9a\u5e01\u5728\u975e\u6d32 \u6bcf\u4e2a\u4eba\u770b\u5230\u7684\u5207\u9762\u4e0d\u540c\uff0c\u4f46\u90fd\u6307\u5411\u540c\u4e00\u4e2a\u672a\u6765\u3002 \u4f5c\u8005\uff1aWill 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