15 多年前，中本聰通過密碼學(xué)發(fā)明了世界上第一個(gè)獨(dú)立管理、自運(yùn)營的金融系統(tǒng)。

他渴望推動(dòng)我們所有人進(jìn)入一場金融復(fù)興，我們老化的金融體系將被一個(gè)不利于任何實(shí)體或存在的體系所取代。

每周 7 天、每天 24 小時(shí)開放且完全透明的金融系統(tǒng)，因此任何人都可以跟蹤區(qū)塊鏈上的資金流向。

雖然這個(gè)價(jià)值主張本身就足以從我們的傳統(tǒng)金融系統(tǒng)中遷移出來，但中本聰發(fā)明區(qū)塊鏈和加密貨幣的最大突破是用戶訪問該網(wǎng)絡(luò)的方式：

只需移動(dòng)設(shè)備和互聯(lián)網(wǎng)連接，任何人都可以安全地查看、發(fā)送和接收價(jià)值，這是我們距離金融包容性世界最近的一次。

話雖這么說，區(qū)塊鏈行業(yè)（可以更形象地稱為 web3）已經(jīng)達(dá)到了一個(gè)拐點(diǎn)，下一波采用可能會(huì)通過與過去幾代人完全不同的渠道。

換句話說，考慮到下一代用戶基本上不具備該技術(shù)的相對回報(bào)或?qū)嵱眯?，只有這么多新進(jìn)入者有慣性來處理使用 web3 技術(shù)的運(yùn)營難題。

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坦率地說，如果我們希望在發(fā)現(xiàn)受眾中得到更多采用，那么可接受的 web3 用戶旅程的市場標(biāo)準(zhǔn)就需要提高。

如果我們希望這些人使用它們，那么與這些用戶旅程相關(guān)的錢包需要做的不僅僅是保存互聯(lián)網(wǎng)貨幣。

為什么它很重要

“web3”一詞指的是互聯(lián)網(wǎng)的第三次迭代，它建立在數(shù)字化、可驗(yàn)證的所有權(quán)概念之上。

與 web2 范式相反，web3 用戶維護(hù)并擁有他們的所有信息、金融資產(chǎn)、數(shù)字收藏品等，而“大科技”則保留著 web2 宇宙中的這些珍貴信息。

這種所有權(quán)是通過非托管錢包實(shí)現(xiàn)的，其中這些信息只能由該錢包的所有者訪問。

錢包所有者可以授予對任何可能想要訪問錢包內(nèi)容的互聯(lián)網(wǎng)協(xié)議的“只讀”訪問權(quán)限，但這完全取決于所有者的判斷。

用戈登·蓋柯 (Gordon Gekko) 的話來說，“

Sure they’re able to view and access the bank account balance shown on their account but they technically ‘own’ something that’s continuously being lent out in exchange for crumbs. What’s more, users are completely reliant on the good faith of a bank to perform any action they wish to perform. This model is deeply flawed and hardly works here but as you venture into the lesser-developed parts of the world, the overwhelming distrust of traditional banking systems has left much of the population unbanked.

It All Starts With the Wallet

We’ve made significant strides over the last decade and a half when it comes to the development, usage, and adoption of decentralized technologies. Additionally, regulatory clarity and legal recognition from governing bodies worldwide have accelerated as of late with Shanghai, most recently, recognizing Bitcoin as a digital currency. That said, it’s still painfully difficult to access and move value that’s on-chain given the interfaces that connect us to the technology are shockingly underdeveloped in comparison to the sheer size of the industry.

At this present moment, crypto wallets don’t allow you to do anything that you couldn’t otherwise do with traditional banking products. Because transmitting value within this framework is arduous, Bitcoin’s battle to establish itself as a reasonable means of payment has been thwarted. Instead, crypto wallets are more or less an easy way to secure your (way more volatile) funds individually.

Furthermore, it’s never been more difficult to garner the attention of the general consumer. Popular media, short-form content, and, honestly a little bit of ADD have made it excruciatingly difficult for companies to reach target consumers. Because of this, the most successful technologies provide utility that introduces extreme convenience or consolidation in one’s life. Take TikTok for instance — beyond being a means of creative expression, it also serves as a social network and, increasingly, a search engine.

By serving multiple purposes, the value proposition for installing and spending any time on the platform is strengthened by the fact that users enjoy the luxury of not having to jump from platform to platform. In 2023, the average person has about 80 applications installed on their phone, nearly 2x more than a decade prior.

Because of this, we’re now entering a new era in tech in that new products and applications will need not only to solve a problem but also introduce convenience — a wallet is no different than that. This isn’t all that dissimilar from when Apple put a phone into the iPod all those years ago.

The Future

為了釋放加密貨幣的所有潛力，我們必須從頭開始創(chuàng)新，并確保不必要的過時(shí)用戶體驗(yàn)不會(huì)妨礙其價(jià)值主張。

我們需要推動(dòng)范式并挑戰(zhàn)既定慣例，以確保我們在未來 15 年的大部分時(shí)間里建設(shè)一個(gè)新的、自由的世界，而不是苦苦教導(dǎo)我們的朋友和親人了解公鑰和私鑰。

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