{"id":2512,"date":"2026-06-23T10:46:32","date_gmt":"2026-06-23T02:46:32","guid":{"rendered":"https:\/\/www.benpay.com\/blog\/?p=2512"},"modified":"2026-06-23T10:46:34","modified_gmt":"2026-06-23T02:46:34","slug":"crypto-cards-vs-traditional-debit-cards-in-2026","status":"publish","type":"post","link":"https:\/\/www.benpay.com\/blog\/index.php\/zh\/crypto-cards-vs-traditional-debit-cards-in-2026\/","title":{"rendered":"\u52a0\u5bc6\u652f\u4ed8\u5361 vs \u4f20\u7edf\u501f\u8bb0\u5361\uff1a2026 \u5e74\u4e3a\u4ec0\u4e48\u5927\u5bb6\u90fd\u5728\u7528 U \u5361"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u968f\u7740\u52a0\u5bc6\u5361\uff08\u4fd7\u79f0 U \u5361\uff09\u9010\u6e10\u51fa\u73b0\u5728\u66f4\u591a\u65e5\u5e38\u6d88\u8d39\u573a\u666f\u4e2d\uff0c\u4ece\u7ebf\u4e0a\u8ba2\u9605\u3001\u8de8\u5883\u8d2d\u7269\uff0c\u5230\u65c5\u884c\u652f\u51fa\u548c\u8fdc\u7a0b\u529e\u516c\u4ed8\u6b3e\uff0c\u5b83\u6b63\u5728\u4ece\u5c0f\u4f17 Web3 \u5de5\u5177\uff0c\u8d70\u5411<strong>\u66f4\u4e3b\u6d41\u7684\u65e5\u5e38\u652f\u4ed8\u9009\u62e9<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e5f\u81ea\u7136\u5f15\u51fa\u4e86\u4e00\u4e2a\u95ee\u9898\uff1a<strong>\u65e2\u7136\u4f20\u7edf\u501f\u8bb0\u5361\u5df2\u7ecf\u8db3\u591f\u666e\u53ca\uff0c\u4e3a\u4ec0\u4e48\u8fd8\u6709\u8d8a\u6765\u8d8a\u591a\u7528\u6237\u5f00\u59cb\u9009\u62e9\u52a0\u5bc6\u5361\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b54\u6848\u5e76\u4e0d\u53ea\u662f\u56e0\u4e3a\u201c\u52a0\u5bc6\u201d\u8fd9\u4e2a\u6982\u5ff5\u65b0\u9c9c\uff0c\u800c\u662f\u56e0\u4e3a<strong>\u7528\u6237\u7684\u8d44\u4ea7\u5f62\u6001\u548c\u652f\u4ed8\u573a\u666f\u53d1\u751f\u4e86\u6839\u672c\u6027\u53d8\u5316<\/strong>\u3002\u6839\u636e <a href=\"https:\/\/research.artemis.ai\/p\/stablecoin-payments-at-scale-how\" target=\"_blank\" rel=\"noopener\">Artemis \u884c\u4e1a\u62a5\u544a<\/a>\uff0c\u622a\u81f3 2025 \u5e74\u5e95\uff0c<strong>\u52a0\u5bc6\u5361\u6708\u5ea6\u6d88\u8d39\u5df2\u8d85\u8fc7 15 \u4ebf\u7f8e\u5143<\/strong>\uff0c\u5e74\u5316\u89c4\u6a21\u63a5\u8fd1 <strong>180 \u4ebf<\/strong>\u7f8e\u5143\uff0c\u4ece 2023 \u5e74\u521d\u7684\u7ea6 <strong>1 \u4ebf\u7f8e\u5143\/\u6708<\/strong>\u589e\u957f\u800c\u6765\uff0c\u5b83\u7684 CAGR\uff08\u590d\u5408\u5e74\u589e\u957f\u7387\uff0c\u7528\u6765\u8861\u91cf\u4e00\u7b14\u8d44\u4ea7\u6216\u4e00\u4e2a\u884c\u4e1a\u5728\u51e0\u5e74\u5185\u7684\u5e73\u5747\u5e74\u5ea6\u589e\u957f\u901f\u5ea6\uff09\u9ad8\u8fbe <strong>106%<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f53 USDT\u3001USDC \u7b49\u7a33\u5b9a\u5e01\u6210\u4e3a\u8d8a\u6765\u8d8a\u591a\u7528\u6237\u6301\u6709\u548c\u7ba1\u7406\u8d44\u4ea7\u7684\u65b9\u5f0f\u65f6\uff0c\u52a0\u5bc6\u5361\u8ba9\u8fd9\u4e9b\u94fe\u4e0a\u8d44\u4ea7\u53ef\u4ee5\u66f4\u76f4\u63a5\u5730\u7528\u4e8e\u73b0\u5b9e\u6d88\u8d39\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7528\u6237\u4e0d\u5fc5\u518d\u50cf\u4ee5\u524d\u90a3\u6837\u9891\u7e41\u5728\u94b1\u5305\u3001\u4ea4\u6613\u6240\u548c\u94f6\u884c\u8d26\u6237\u4e4b\u95f4\u8f6c\u79fb\u8d44\u91d1\uff0c\u800c\u662f\u53ef\u4ee5\u5728\u652f\u6301\u7684\u573a\u666f\u4e2d\u76f4\u63a5\u4f7f\u7528\u7a33\u5b9a\u5e01\u5b8c\u6210\u7ebf\u4e0a\u8ba2\u9605\u3001\u8de8\u5883\u8d2d\u7269\u3001\u65c5\u884c\u6d88\u8d39\u548c\u6570\u5b57\u670d\u52a1\u652f\u4ed8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u5f88\u591a Web3 \u7528\u6237\u3001\u8fdc\u7a0b\u5de5\u4f5c\u8005\u548c\u8de8\u5883\u6d88\u8d39\u8005\u6765\u8bf4\uff0c<strong><a href=\"https:\/\/www.benpay.com\/card\/home\">\u52a0\u5bc6\u5361<\/a><\/strong><strong>\u7f29\u77ed\u4e86\u8d44\u4ea7\u5230\u6d88\u8d39\u4e4b\u95f4\u7684\u8def\u5f84\uff0c\u4e5f\u8ba9\u652f\u4ed8\u4f53\u9a8c\u66f4\u8d34\u8fd1\u4ed6\u4eec\u539f\u672c\u7684\u8d44\u91d1\u7ba1\u7406\u65b9\u5f0f<\/strong>\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u52a0\u5bc6\u5361 vs \u4f20\u7edf\u501f\u8bb0\u5361\uff1a\u57fa\u672c\u5b9a\u4e49<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u6bd4\u8f83\u4e24\u8005\u4e4b\u524d\uff0c\u5148\u660e\u786e\u4e24\u4e2a\u57fa\u7840\u6982\u5ff5\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4ec0\u4e48\u662f\u4f20\u7edf\u501f\u8bb0\u5361\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f20\u7edf\u501f\u8bb0\u5361\u662f\u5927\u591a\u6570\u4eba\u65e5\u5e38\u4f7f\u7528\u7684\u94f6\u884c\u5361\u3002\u5b83\u76f4\u63a5\u8fde\u63a5\u94f6\u884c\u8d26\u6237\uff0c\u91cc\u9762\u5b58\u653e\u7684\u662f\u6cd5\u5e01\uff08\u56fd\u5bb6\u53d1\u884c\u7684\u6cd5\u5b9a\u8d27\u5e01\uff0c\u5982\u4eba\u6c11\u5e01\u3001\u7f8e\u5143\u3001\u6b27\u5143\uff09\u3002\u6d88\u8d39\u65f6\uff0c\u94f6\u884c\u7cfb\u7edf\u4f1a\u76f4\u63a5\u6263\u9664\u8d26\u6237\u4f59\u989d\uff0c\u5e7f\u6cdb\u7528\u4e8e\u65e5\u5e38\u6d88\u8d39\u3001\u5de5\u8d44\u6536\u6b3e\u3001\u8f6c\u8d26\u548c\u8d26\u6237\u7ba1\u7406\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4ec0\u4e48\u662f\u52a0\u5bc6\u5361\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u5bc6\u5361\u662f\u4e00\u79cd\u5141\u8bb8\u7528\u6237\u7528\u6570\u5b57\u8d44\u4ea7\uff08\u5982\u7a33\u5b9a\u5e01\uff09\u8fdb\u884c\u65e5\u5e38\u6d88\u8d39\u7684\u7279\u6b8a\u94f6\u884c\u5361\u3002\u5b83\u901a\u5e38\u7531\u5408\u89c4\u6e05\u7b97\u5e73\u53f0\u4e0e Visa\u3001Mastercard \u7b49\u56fd\u9645\u5361\u7ec4\u7ec7\u5408\u4f5c\u53d1\u884c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f88\u591a\u7528\u6237\u4ee5\u4e3a\u52a0\u5bc6\u5361\u652f\u4ed8\u65f6\uff0c\u5546\u6237\u4f1a\u76f4\u63a5\u6536\u5230 USDT\/USDC\u3002\u5b9e\u9645\u4e0a\uff0c\u5927\u591a\u6570\u5546\u6237\u4ecd\u7136\u53ea\u63a5\u53d7\u7f8e\u5143\u3001\u6b27\u5143\u7b49\u6cd5\u5e01\u7ed3\u7b97\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f53\u7528\u6237\u5237\u5361\u65f6\uff0c\u7cfb\u7edf\u4f1a\u81ea\u52a8\u5c06\u7a33\u5b9a\u5e01\u5151\u6362\u4e3a\u5bf9\u5e94\u6cd5\u5e01\uff0c\u518d\u901a\u8fc7 Visa \u6216 Mastercard \u7f51\u7edc\u5b8c\u6210\u652f\u4ed8\u3002\u56e0\u6b64\uff0c\u52a0\u5bc6\u5361\u672c\u8d28\u4e0a\u662f\u8fde\u63a5\u94fe\u4e0a\u8d44\u4ea7\u4e0e\u73b0\u5b9e\u652f\u4ed8\u7f51\u7edc\u7684\u6865\u6881\uff0c\u800c\u4e0d\u662f\u8ba9\u5546\u6237\u76f4\u63a5\u63a5\u6536\u52a0\u5bc6\u8d27\u5e01\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u652f\u4ed8\u6d41\u7a0b-1024x682.png\" alt=\"\u52a0\u5bc6\u5361\u652f\u4ed8\u6d41\u7a0b\" class=\"wp-image-2515\" style=\"width:601px;height:auto\" srcset=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u652f\u4ed8\u6d41\u7a0b-1024x682.png 1024w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u652f\u4ed8\u6d41\u7a0b-300x200.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u652f\u4ed8\u6d41\u7a0b-768x512.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u652f\u4ed8\u6d41\u7a0b.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u52a0\u5bc6\u5361\u548c\u4f20\u7edf\u501f\u8bb0\u5361\u6709\u4ec0\u4e48\u533a\u522b\uff1f5 \u4e2a\u6838\u5fc3\u7ef4\u5ea6<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ece\u8868\u9762\u770b\uff0c\u52a0\u5bc6\u5361\u548c\u4f20\u7edf\u501f\u8bb0\u5361\u975e\u5e38\u76f8\u4f3c\uff1b\u4f46\u53ea\u8981\u62c6\u89e3\u5b83\u4eec\u7684\u5e95\u5c42\u903b\u8f91\uff0c\u5c31\u4f1a\u53d1\u73b0\u5de8\u5927\u7684\u4e0d\u540c\u3002<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u8d44\u4ea7\u6765\u6e90\u4e0d\u540c\uff1a\u6cd5\u5e01\u4f59\u989d vs \u7a33\u5b9a\u5e01 \/ \u94fe\u4e0a\u8d44\u4ea7<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f20\u7edf\u501f\u8bb0\u5361\u7684\u8d44\u91d1\u6765\u6e90\u901a\u5e38\u662f\u94f6\u884c\u8d26\u6237\u4e2d\u7684\u6cd5\u5e01\u4f59\u989d\u3002\u7528\u6237\u6d88\u8d39\u65f6\uff0c\u4ea4\u6613\u4e5f\u5728\u4f20\u7edf\u91d1\u878d\u4f53\u7cfb\u4e2d\u5b8c\u6210\u8ba1\u4ef7\u548c\u6e05\u7b97\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u5bc6\u5361\u7684\u8d44\u91d1\u6765\u6e90\u5219\u901a\u5e38\u662f USDT\u3001USDC \u7b49\u7a33\u5b9a\u5e01\uff0c\u6216\u5176\u4ed6\u652f\u6301\u7684\u94fe\u4e0a\u8d44\u4ea7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e5f\u662f\u52a0\u5bc6\u5361\u548c\u4f20\u7edf\u501f\u8bb0\u5361\u6700\u57fa\u7840\u7684\u533a\u522b\uff1a<strong>\u524d\u8005\u9762\u5411\u94fe\u4e0a\u8d44\u4ea7\u7528\u6237\uff0c\u540e\u8005\u9762\u5411\u94f6\u884c\u8d26\u6237\u548c\u6cd5\u5e01\u4f59\u989d\u7528\u6237\u3002<\/strong><\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>\u8d26\u6237\u4f53\u7cfb\u4e0d\u540c\uff1a\u94f6\u884c\u8d26\u6237 vs \u94b1\u5305 \/ \u5361\u8d26\u6237 \/ \u5e73\u53f0\u8d26\u6237<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f20\u7edf\u501f\u8bb0\u5361\u901a\u5e38\u7ed1\u5b9a\u94f6\u884c\u8d26\u6237\u3002\u7528\u6237\u7684\u8d44\u91d1\u5b58\u653e\u5728\u94f6\u884c\u8d26\u6237\u4e2d\uff0c\u6d88\u8d39\u65f6\u7531\u94f6\u884c\u7cfb\u7edf\u5b8c\u6210\u8d26\u6237\u4f59\u989d\u6263\u51cf\u3001\u652f\u4ed8\u6388\u6743\u548c\u4ea4\u6613\u8bb0\u5f55\u7ba1\u7406\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u5bc6\u5361\u7684\u8d26\u6237\u4f53\u7cfb\u66f4\u590d\u6742\u3002\u7528\u6237\u7684\u8d44\u4ea7\u53ef\u80fd\u5b58\u5728\u4e8e\u81ea\u6258\u7ba1\u94b1\u5305\u4e2d\uff0c\u4e5f\u53ef\u80fd\u5b58\u653e\u5728\u5e73\u53f0\u8d26\u6237\u3001\u4ea4\u6613\u6240\u8d26\u6237\u6216\u5361\u8d26\u6237\u4e2d\u3002\u4e0d\u540c\u4ea7\u54c1\u5728\u201c\u7528\u6237\u8d44\u4ea7\u5728\u54ea\u91cc\u201d\u201c\u8c01\u63a7\u5236\u8d44\u4ea7\u201d\u201c\u6d88\u8d39\u65f6\u4ece\u54ea\u91cc\u6263\u6b3e\u201d\u8fd9\u4e9b\u95ee\u9898\u4e0a\uff0c\u5dee\u5f02\u5f88\u5927\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff0c\u6709\u4e9b\u52a0\u5bc6\u5361\u4ee5\u5e73\u53f0\u8d26\u6237\u4f59\u989d\u4f5c\u4e3a\u6d88\u8d39\u8d44\u91d1\u6765\u6e90\uff1b\u4e5f\u6709\u4e00\u4e9b\u81ea\u6258\u7ba1\u52a0\u5bc6\u5361\uff0c\u5c1d\u8bd5\u8ba9\u7528\u6237\u5728\u4fdd\u7559\u94b1\u5305\u8d44\u4ea7\u63a7\u5236\u6743\u7684\u540c\u65f6\u63a5\u5165\u73b0\u5b9e\u652f\u4ed8\u7f51\u7edc\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\uff0c\u9009\u62e9\u52a0\u5bc6\u5361\u65f6\uff0c\u7528\u6237\u4e0d\u80fd\u53ea\u770b\u5b83\u662f\u5426\u652f\u6301 USDT \u6216 USDC\uff0c\u8fd8\u9700\u8981\u770b\u5b83\u80cc\u540e\u7684\u8d26\u6237\u4f53\u7cfb\uff1a\u8d44\u4ea7\u662f\u5728\u94b1\u5305\u91cc\u3001\u5e73\u53f0\u8d26\u6237\u91cc\uff0c\u8fd8\u662f\u5361\u8d26\u6237\u91cc\u3002<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>\u6e05\u7b97\u8def\u5f84\u4e0d\u540c\uff1a\u4f20\u7edf\u91d1\u878d\u6e05\u7b97 vs \u94fe\u4e0a\u8d44\u4ea7\u5230\u73b0\u5b9e\u652f\u4ed8\u7f51\u7edc\u7684\u8f6c\u6362<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f20\u7edf\u501f\u8bb0\u5361\u7684\u652f\u4ed8\u8def\u5f84\u76f8\u5bf9\u6e05\u6670\u3002\u7528\u6237\u5237\u5361\u540e\uff0c\u4ea4\u6613\u901a\u5e38\u901a\u8fc7\u53d1\u5361\u884c\u3001\u5361\u7ec4\u7ec7\u3001\u6536\u5355\u673a\u6784\u548c\u5546\u6237\u7cfb\u7edf\u5b8c\u6210\u6388\u6743\u3001\u6e05\u7b97\u548c\u7ed3\u7b97\u3002\u867d\u7136\u540e\u53f0\u6d41\u7a0b\u590d\u6742\uff0c\u4f46\u6574\u4f53\u8fd0\u884c\u5728\u540c\u4e00\u5957\u6cd5\u5e01\u91d1\u878d\u4f53\u7cfb\u4e2d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u5bc6\u5361\u5219\u9700\u8981\u591a\u5904\u7406\u4e00\u5c42\u8f6c\u6362\u3002\u5b83\u9700\u8981\u540c\u65f6\u5904\u7406\u94fe\u4e0a\u8d44\u4ea7\u4e0e\u5361\u7ec4\u7ec7\u652f\u4ed8\u7f51\u7edc\u4e4b\u95f4\u7684\u8854\u63a5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6362\u53e5\u8bdd\u8bf4\uff0c\u4f20\u7edf\u501f\u8bb0\u5361\u5904\u7406\u7684\u662f\u201c\u94f6\u884c\u8d26\u6237\u4f59\u989d\u5982\u4f55\u652f\u4ed8\u7ed9\u5546\u6237\u201d\uff1b\u52a0\u5bc6\u5361\u5904\u7406\u7684\u662f\u201c\u94fe\u4e0a\u8d44\u4ea7\u5982\u4f55\u8fdb\u5165\u5546\u6237\u5df2\u7ecf\u63a5\u53d7\u7684\u73b0\u5b9e\u652f\u4ed8\u7f51\u7edc\u201d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e5f\u662f\u4e3a\u4ec0\u4e48\u4e0d\u540c\u52a0\u5bc6\u5361\u7684\u4f7f\u7528\u4f53\u9a8c\u5dee\u5f02\u4f1a\u5f88\u5927\u3002\u4ea7\u54c1\u662f\u5426\u9700\u8981\u7528\u6237\u624b\u52a8\u6362\u5e01\u3001\u662f\u5426\u652f\u6301\u591a\u94fe\u8d44\u4ea7\u3001\u662f\u5426\u80fd\u51cf\u5c11\u8de8\u5e94\u7528\u64cd\u4f5c\uff0c\u90fd\u4f1a\u5f71\u54cd\u6700\u7ec8\u7684\u652f\u4ed8\u4f53\u9a8c\u3002<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li>\u63a7\u5236\u6743\u4e0d\u540c\uff1a\u94f6\u884c\u8d26\u6237\u7ba1\u7406 vs \u6258\u7ba1 \/ \u81ea\u6258\u7ba1\u6a21\u5f0f<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f20\u7edf\u501f\u8bb0\u5361\u7684\u8d44\u91d1\u901a\u5e38\u7531\u94f6\u884c\u8d26\u6237\u627f\u8f7d\uff0c\u8d26\u6237\u7ba1\u7406\u3001\u4ea4\u6613\u9650\u5236\u3001\u98ce\u63a7\u89c4\u5219\u548c\u8d44\u91d1\u5b89\u5168\u673a\u5236\u7531\u94f6\u884c\u53ca\u76f8\u5173\u91d1\u878d\u673a\u6784\u6267\u884c\u3002\u7528\u6237\u62e5\u6709\u8d26\u6237\u4f7f\u7528\u6743\uff0c\u4f46\u8d26\u6237\u4f53\u7cfb\u672c\u8eab\u7531\u94f6\u884c\u7ba1\u7406\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u5bc6\u5361\u7684\u8d44\u4ea7\u63a7\u5236\u65b9\u5f0f\u5219\u53d6\u51b3\u4e8e\u4ea7\u54c1\u8bbe\u8ba1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u90e8\u5206\u52a0\u5bc6\u5361\u91c7\u7528\u6258\u7ba1\u6a21\u5f0f\uff0c\u7528\u6237\u9700\u8981\u628a\u8d44\u4ea7\u5145\u503c\u5230\u5e73\u53f0\u8d26\u6237\u6216\u4ea4\u6613\u6240\u8d26\u6237\u4e2d\uff0c\u518d\u901a\u8fc7\u5361\u7247\u5b8c\u6210\u6d88\u8d39\u3002\u8fd9\u79cd\u6a21\u5f0f\u4f7f\u7528\u95e8\u69db\u8f83\u4f4e\uff0c\u4f46\u7528\u6237\u5e76\u4e0d\u76f4\u63a5\u638c\u63e1\u79c1\u94a5\u548c\u8d44\u4ea7\u63a7\u5236\u6743\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e6\u4e00\u4e9b\u52a0\u5bc6\u5361\u5f00\u59cb\u5f3a\u8c03\u81ea\u6258\u7ba1\u94b1\u5305\u6a21\u5f0f\uff0c\u81ea\u6258\u7ba1\u5219\u662f\u7528\u6237\u81ea\u5df1\u638c\u63e1\u94b1\u5305\u79c1\u94a5\u6216\u8d44\u4ea7\u63a7\u5236\u6743\uff0c\u5e73\u53f0\u4e0d\u957f\u671f\u6258\u7ba1\u7528\u6237\u5168\u90e8\u8d44\u4ea7\u3002\u5b83\u4eec\u8bd5\u56fe\u5728\u8fde\u63a5\u73b0\u5b9e\u652f\u4ed8\u7f51\u7edc\u7684\u540c\u65f6\uff0c\u51cf\u5c11\u7528\u6237\u5bf9\u4e2d\u5fc3\u5316\u5e73\u53f0\u8d26\u6237\u7684\u957f\u671f\u4f9d\u8d56\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\uff0c\u52a0\u5bc6\u5361\u548c\u4f20\u7edf\u501f\u8bb0\u5361\u7684\u533a\u522b\uff0c\u4e0d\u53ea\u662f\u652f\u4ed8\u8d44\u4ea7\u4e0d\u540c\uff0c\u4e5f\u5305\u62ec\u201c\u7528\u6237\u5bf9\u8d44\u91d1\u7684\u63a7\u5236\u65b9\u5f0f\u4e0d\u540c\u201d\u3002<\/p>\n\n\n\n<ol start=\"5\" class=\"wp-block-list\">\n<li>\u5408\u89c4\u8981\u6c42\u4e0d\u540c\uff1a\u94f6\u884c\u89c4\u5219 vs KYC\u3001AML\u3001\u5730\u533a\u548c\u5546\u6237\u89c4\u5219\u53e0\u52a0<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f20\u7edf\u501f\u8bb0\u5361\u53d7\u5230\u94f6\u884c\u3001\u53d1\u5361\u673a\u6784\u3001\u5361\u7ec4\u7ec7\u3001\u53cd\u6d17\u94b1\u89c4\u5219\u548c\u5f53\u5730\u91d1\u878d\u76d1\u7ba1\u8981\u6c42\u5f71\u54cd\u3002\u7528\u6237\u5728\u5f00\u6237\u3001\u4ea4\u6613\u3001\u8de8\u5883\u6d88\u8d39\u548c\u5927\u989d\u652f\u4ed8\u65f6\uff0c\u90fd\u53ef\u80fd\u53d7\u5230\u94f6\u884c\u98ce\u63a7\u548c\u5730\u533a\u89c4\u5219\u9650\u5236\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u5bc6\u5361\u540c\u6837\u9700\u8981\u5408\u89c4\uff0c\u800c\u4e14\u5408\u89c4\u8981\u6c42\u901a\u5e38\u66f4\u52a0\u591a\u5c42\u3002\u5b83\u53ef\u80fd\u540c\u65f6\u6d89\u53ca KYC \/ AML\uff08\u8eab\u4efd\u9a8c\u8bc1\u4e0e\u53cd\u6d17\u94b1\u5ba1\u67e5\uff0c\u662f\u52a0\u5bc6\u5361\u548c\u4f20\u7edf\u91d1\u878d\u670d\u52a1\u90fd\u9700\u8981\u9075\u5b88\u7684\u5408\u89c4\u8981\u6c42\uff09\u3001\u94fe\u4e0a\u8d44\u4ea7\u6765\u6e90\u68c0\u67e5\u3001\u53d1\u5361\u673a\u6784\u89c4\u5219\u3001\u5361 BIN\uff08\u94f6\u884c\u5361\u53f7\u524d\u51e0\u4f4d\uff0c\u7528\u4e8e\u8bc6\u522b\u53d1\u5361\u673a\u6784\u3001\u5361\u7c7b\u578b\u3001\u53d1\u5361\u5730\u533a\u7b49\u4fe1\u606f\uff0c\u90e8\u5206\u5546\u6237\u6216\u5e73\u53f0\u4f1a\u6839\u636e BIN \u5224\u65ad\u662f\u5426\u63a5\u53d7\u4ed8\u6b3e\uff09\u3001\u5546\u6237\u7c7b\u522b\u3001\u5730\u533a\u653f\u7b56\u548c\u5361\u7ec4\u7ec7\u7f51\u7edc\u89c4\u5219\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u610f\u5473\u7740\uff0c\u52a0\u5bc6\u5361\u4e0d\u662f\u201c\u7ed5\u8fc7\u4f20\u7edf\u652f\u4ed8\u89c4\u5219\u201d\u7684\u5de5\u5177\u3002\u5b83\u4ecd\u7136\u9700\u8981\u9075\u5b88\u73b0\u5b9e\u652f\u4ed8\u7f51\u7edc\u548c\u5f53\u5730\u76d1\u7ba1\u8981\u6c42\uff0c\u53ea\u662f\u8d44\u91d1\u6765\u6e90\u4ece\u94f6\u884c\u6cd5\u5e01\u4f59\u989d\u53d8\u6210\u4e86\u7a33\u5b9a\u5e01\u6216\u94fe\u4e0a\u8d44\u4ea7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\uff0c\u7528\u6237\u5728\u4f7f\u7528\u52a0\u5bc6\u5361\u65f6\uff0c\u4e0d\u4ec5\u8981\u5173\u6ce8\u652f\u6301\u54ea\u4e9b\u5e01\u79cd\uff0c\u4e5f\u8981\u5173\u6ce8 KYC \u8981\u6c42\u3001\u53ef\u7528\u5730\u533a\u3001\u5546\u6237\u63a5\u53d7\u5ea6\u3001\u8d39\u7528\u89c4\u5219\u548c\u7981\u6b62\u7528\u9014\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u4f20\u7edf\u501f\u8bb0\u5361\u548c\u52a0\u5bc6\u5361\u533a\u522b-1024x682.png\" alt=\"\u4f20\u7edf\u501f\u8bb0\u5361\u548c\u52a0\u5bc6\u5361\u533a\u522b\" class=\"wp-image-2514\" style=\"width:600px\" srcset=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u4f20\u7edf\u501f\u8bb0\u5361\u548c\u52a0\u5bc6\u5361\u533a\u522b-1024x682.png 1024w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u4f20\u7edf\u501f\u8bb0\u5361\u548c\u52a0\u5bc6\u5361\u533a\u522b-300x200.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u4f20\u7edf\u501f\u8bb0\u5361\u548c\u52a0\u5bc6\u5361\u533a\u522b-768x512.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u4f20\u7edf\u501f\u8bb0\u5361\u548c\u52a0\u5bc6\u5361\u533a\u522b.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\">\u52a0\u5bc6\u5361 vs \u4f20\u7edf\u94f6\u884c\u501f\u8bb0\u5361\u5bf9\u6bd4\u8868<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">\u5bf9\u6bd4\u7ef4\u5ea6<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u4f20\u7edf\u501f\u8bb0\u5361<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u52a0\u5bc6\u5361<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u8d44\u4ea7\u5f62\u6001<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u94f6\u884c\u8d26\u6237\u4e2d\u7684\u6cd5\u5e01\u4f59\u989d<\/td><td class=\"has-text-align-left\" data-align=\"left\">USDT\u3001USDC \u7b49\u7a33\u5b9a\u5e01\u6216\u5176\u4ed6\u94fe\u4e0a\u8d44\u4ea7<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u8d26\u6237\u4f53\u7cfb<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u94f6\u884c\u8d26\u6237\u7ba1\u7406<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u94b1\u5305\u3001\u5e73\u53f0\u8d26\u6237\u3001\u4ea4\u6613\u6240\u8d26\u6237\u6216\u5361\u8d26\u6237<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u6e05\u7b97\u8def\u5f84<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u94f6\u884c\u8d26\u6237 \u2192 \u5361\u7ec4\u7ec7 \u2192 \u5546\u6237<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u94fe\u4e0a\u8d44\u4ea7 \/ \u7a33\u5b9a\u5e01 \u2192 \u52a0\u5bc6\u5361 \u2192 \u5361\u7ec4\u7ec7 \u2192 \u5546\u6237<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u63a7\u5236\u6743<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u8d26\u6237\u7531\u94f6\u884c\u6216\u91d1\u878d\u673a\u6784\u7ba1\u7406<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u53d6\u51b3\u4e8e\u4ea7\u54c1\u6a21\u5f0f\uff0c\u53ef\u80fd\u662f\u6258\u7ba1\u6216\u81ea\u6258\u7ba1<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u5408\u89c4\u8981\u6c42<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u94f6\u884c\u89c4\u5219\u3001\u53d1\u5361\u673a\u6784\u89c4\u5219\u3001\u5f53\u5730\u91d1\u878d\u76d1\u7ba1<\/td><td class=\"has-text-align-left\" data-align=\"left\">KYC\u3001AML\u3001\u94fe\u4e0a\u8d44\u4ea7\u6765\u6e90\u3001\u5730\u533a\u653f\u7b56\u3001\u5361 BIN\u3001\u5546\u6237\u89c4\u5219\u7b49\u53e0\u52a0<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u98ce\u9669\u4e0e\u9650\u5236<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u4e3b\u8981\u4e3a\u94f6\u884c\u98ce\u63a7\u3001\u8d26\u6237\u51bb\u7ed3\u98ce\u9669<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u53ef\u80fd\u6d89\u53ca\u5730\u533a\u9650\u5236\u3001\u5361 BIN \u9650\u5236\u3001\u5145\u503c\/\u5408\u89c4\u9650\u5236<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">\u9002\u5408\u4eba\u7fa4<\/td><td class=\"has-text-align-left\" data-align=\"left\">\u672c\u5730\u94f6\u884c\u7528\u6237\u3001\u5de5\u8d44\u8d26\u6237\u7528\u6237\u3001\u65e5\u5e38\u6cd5\u5e01\u6d88\u8d39\u8005<\/td><td class=\"has-text-align-left\" data-align=\"left\">Web3 \u7528\u6237\u3001\u7a33\u5b9a\u5e01\u6301\u6709\u8005\u3001\u8fdc\u7a0b\u5de5\u4f5c\u8005\u3001\u8de8\u5883\u6d88\u8d39\u8005<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u6b64\uff0c\u52a0\u5bc6\u5361\u4e0d\u662f\u7b80\u5355\u5730\u201c\u66ff\u4ee3\u94f6\u884c\u5361\u201d\uff0c\u800c\u662f\u4e3a\u53e6\u4e00\u7c7b\u8d44\u4ea7\u548c\u53e6\u4e00\u7c7b\u652f\u4ed8\u9700\u6c42\u63d0\u4f9b\u4e86\u65b0\u7684\u8fde\u63a5\u65b9\u5f0f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4f20\u7edf\u501f\u8bb0\u5361\u9002\u5408\u4ec0\u4e48\u4eba\uff1f\u4e3a\u4ec0\u4e48\u5b83\u4ecd\u7136\u662f\u4e3b\u6d41\u652f\u4ed8\u5de5\u5177<\/h2>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u6b64\u5916\uff0c\u4f20\u7edf\u501f\u8bb0\u5361\u7684\u8d44\u91d1\u6d41\u52a8\u4f9d\u8d56\u94f6\u884c\u57fa\u7840\u8bbe\u65bd\u3002\u8de8\u5883\u8f6c\u8d26\u3001\u5f02\u5730\u6d88\u8d39\u3001\u56fd\u9645\u8ba2\u9605\u548c\u591a\u5e01\u79cd\u652f\u4ed8\uff0c\u5f80\u5f80\u9700\u8981\u9075\u5b88\u94f6\u884c\u7cfb\u7edf\u7684\u8425\u4e1a\u65f6\u95f4\u3001\u5916\u6c47\u653f\u7b56\u548c\u8d26\u6237\u9650\u5236\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e9b\u5e76\u4e0d\u662f\u4f20\u7edf\u501f\u8bb0\u5361\u7684\u201c\u7f3a\u9677\u201d\uff0c\u800c\u662f\u4f20\u7edf\u91d1\u878d\u4f53\u7cfb\u672c\u8eab\u7684\u8bbe\u8ba1\u7ed3\u679c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f20\u7edf\u501f\u8bb0\u5361\u5929\u7136\u9002\u5408\u672c\u5730\u6cd5\u5e01\u8d26\u6237\u548c\u7a33\u5b9a\u94f6\u884c\u670d\u52a1\uff0c\u4f46\u5f53\u7528\u6237\u7684\u8d44\u4ea7\u5df2\u7ecf\u4e0d\u53ea\u5b58\u5728\u4e8e\u94f6\u884c\u8d26\u6237\u4e2d\u65f6\uff0c\u5b83\u5c31\u4e0d\u4e00\u5b9a\u662f\u6700\u77ed\u7684\u652f\u4ed8\u8def\u5f84\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u52a0\u5bc6\u5361\u7684\u4f18\u52bf\u662f\u4ec0\u4e48\uff1f\u4e3a\u4ec0\u4e48\u8d8a\u6765\u8d8a\u591a\u4eba\u5f00\u59cb\u4f7f\u7528 U \u5361<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u5bc6\u5361\u7ecf\u5e38\u88ab\u7b80\u5355\u7406\u89e3\u4e3a\u201c\u7528\u52a0\u5bc6\u8d27\u5e01\u4ed8\u6b3e\u201d\u3002\u4f46\u4ece\u7528\u6237\u4f53\u9a8c\u6765\u770b\uff0c\u5b83\u771f\u6b63\u6539\u53d8\u7684\u5e76\u4e0d\u53ea\u662f\u652f\u4ed8\u8d44\u4ea7\uff0c\u800c\u662f\u8d44\u91d1\u4ece\u8d44\u4ea7\u7aef\u5230\u6d88\u8d39\u7aef\u7684\u8def\u5f84\u3002<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u652f\u4ed8\u8def\u5f84\u66f4\u77ed<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u5df2\u7ecf\u6301\u6709\u7a33\u5b9a\u5e01\u6216\u94fe\u4e0a\u8d44\u4ea7\u7684\u7528\u6237\u6765\u8bf4\uff0c\u4f20\u7edf\u6d88\u8d39\u5f80\u5f80\u9700\u8981\u7ecf\u8fc7\u591a\u4e2a\u6b65\u9aa4\uff0c\u4f8b\u5982\u5356\u51fa\u8d44\u4ea7\u3001\u63d0\u73b0\u5230\u94f6\u884c\u8d26\u6237\uff0c\u518d\u901a\u8fc7\u94f6\u884c\u5361\u5b8c\u6210\u652f\u4ed8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u5bc6\u5361\u5219\u63d0\u4f9b\u4e86\u53e6\u4e00\u79cd\u8def\u5f84\uff1a\u7528\u6237\u53ef\u4ee5\u76f4\u63a5\u5c06\u7b26\u5408\u6761\u4ef6\u7684\u8d44\u4ea7\u63a5\u5165\u652f\u4ed8\u573a\u666f\uff0c\u5728\u652f\u6301\u7684\u5546\u6237\u548c\u5e73\u53f0\u5b8c\u6210\u6d88\u8d39\uff0c\u51cf\u5c11\u4e0d\u540c\u8d26\u6237\u548c\u5e73\u53f0\u4e4b\u95f4\u53cd\u590d\u8f6c\u79fb\u8d44\u91d1\u7684\u64cd\u4f5c\u3002<\/p>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u5bf9\u4e8e\u7a33\u5b9a\u5e01\u7528\u6237\u6765\u8bf4\uff0c\u8d44\u91d1\u901a\u5e38\u4ee5\u7f8e\u5143\u8ba1\u4ef7\u8d44\u4ea7\u8fdb\u884c\u7ba1\u7406\uff0c\u56e0\u6b64\u5728\u8fdb\u884c\u6d77\u5916\u8ba2\u9605\u3001\u56fd\u9645\u8d2d\u7269\u6216\u8de8\u5883\u6d88\u8d39\u65f6\uff0c\u66f4\u5bb9\u6613\u7406\u89e3\u5b9e\u9645\u652f\u51fa\u91d1\u989d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u5bc6\u5361\u5e76\u4e0d\u610f\u5473\u7740\u5b8c\u5168\u6ca1\u6709\u8d39\u7528\uff0c\u4e5f\u4e0d\u4e00\u5b9a\u5728\u6240\u6709\u573a\u666f\u4e0b\u90fd\u6bd4\u4f20\u7edf\u94f6\u884c\u5361\u66f4\u4fbf\u5b9c\u3002\u4f46\u5b83\u80fd\u591f\u51cf\u5c11\u90e8\u5206\u56e0\u591a\u6b21\u6362\u6c47\u548c\u8d44\u91d1\u8f6c\u79fb\u5e26\u6765\u7684\u4e0d\u786e\u5b9a\u6027\uff0c\u8ba9\u652f\u4ed8\u8def\u5f84\u66f4\u52a0\u6e05\u6670\u3002<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>\u8d44\u4ea7\u7ba1\u7406\u4e0e\u652f\u4ed8\u4f53\u9a8c\u66f4\u52a0\u7edf\u4e00<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f20\u7edf\u94f6\u884c\u5361\u4e3b\u8981\u56f4\u7ed5\u94f6\u884c\u8d26\u6237\u6784\u5efa\uff0c\u800c\u8d8a\u6765\u8d8a\u591a Web3 \u7528\u6237\u7684\u8d44\u4ea7\u7ba1\u7406\u5df2\u7ecf\u53d1\u751f\u5728\u94b1\u5305\u548c\u94fe\u4e0a\u751f\u6001\u4e2d\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u90e8\u5206\u52a0\u5bc6\u5361\u5f00\u59cb\u5c1d\u8bd5\u5c06\u8d44\u4ea7\u7ba1\u7406\u3001\u6536\u76ca\u7ba1\u7406\u4e0e\u73b0\u5b9e\u652f\u4ed8\u573a\u666f\u7ed3\u5408\u8d77\u6765\uff0c\u8ba9\u7528\u6237\u65e0\u9700\u9891\u7e41\u5207\u6362\u94b1\u5305\u3001\u4ea4\u6613\u6240\u3001\u94f6\u884c\u8d26\u6237\u548c\u652f\u4ed8\u5de5\u5177\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u957f\u671f\u6301\u6709\u94fe\u4e0a\u8d44\u4ea7\u7684\u7528\u6237\u6765\u8bf4\uff0c\u8fd9\u79cd\u4e00\u4f53\u5316\u4f53\u9a8c\u80fd\u591f\u51cf\u5c11\u64cd\u4f5c\u6210\u672c\uff0c\u4e5f\u8ba9\u8d44\u4ea7\u4f7f\u7528\u65b9\u5f0f\u66f4\u52a0\u8fde\u8d2f\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u4f18\u52bf-1024x682.png\" alt=\"\u52a0\u5bc6\u5361\u4f18\u52bf\" class=\"wp-image-2516\" style=\"width:600px\" srcset=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u4f18\u52bf-1024x682.png 1024w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u4f18\u52bf-300x200.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u4f18\u52bf-768x512.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u4f18\u52bf.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u4e48\u4eba\u66f4\u9002\u5408\u4f7f\u7528\u52a0\u5bc6\u5361\uff08U \u5361\uff09\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8ba8\u8bba\u52a0\u5bc6\u5361\u548c\u4f20\u7edf\u501f\u8bb0\u5361\u65f6\uff0c\u4e00\u4e2a\u5e38\u89c1\u8bef\u533a\u662f\u628a\u5b83\u4eec\u653e\u5728\u7edd\u5bf9\u5bf9\u7acb\u7684\u4f4d\u7f6e\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f20\u7edf\u5361\u662f\u4e0d\u662f\u8fc7\u65f6\u4e86\uff1f<\/li>\n\n\n\n<li>\u52a0\u5bc6\u5361\u662f\u4e0d\u662f\u4e00\u5b9a\u66f4\u597d\uff1f<\/li>\n\n\n\n<li>\u672a\u6765\u662f\u4e0d\u662f\u6240\u6709\u4eba\u90fd\u4f1a\u7528\u52a0\u5bc6\u5361\uff1f<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b9e\u9645\u4e0a\uff0c\u5b83\u4eec\u670d\u52a1\u7684\u662f\u4e0d\u540c\u7684\u8d44\u4ea7\u7ed3\u6784\u548c\u6d88\u8d39\u4e60\u60ef\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u7684\u6536\u5165\u4e3b\u8981\u8fdb\u5165\u94f6\u884c\u8d26\u6237\uff0c\u6d88\u8d39\u4e5f\u4e3b\u8981\u53d1\u751f\u5728\u672c\u5730\u6cd5\u5e01\u73af\u5883\u4e2d\uff0c\u90a3\u4e48\u4f20\u7edf\u501f\u8bb0\u5361\u4f9d\u7136\u662f\u6700\u81ea\u7136\u3001\u6700\u7a33\u5b9a\u7684\u9009\u62e9\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u5982\u679c\u7b26\u5408\u4ee5\u4e0b\u60c5\u51b5\uff0c\u52a0\u5bc6\u5361\u901a\u5e38\u4f1a\u66f4\u7b26\u5408\u4f60\u7684\u8d44\u91d1\u4f7f\u7528\u4e60\u60ef\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u6536\u5165\u4e3b\u8981\u6765\u81ea USDT\u3001USDC \u7b49\u7a33\u5b9a\u5e01\uff1b<\/li>\n\n\n\n<li>\u7ecf\u5e38\u53c2\u4e0e Web3 \u9879\u76ee\u6216\u63a5\u53d7\u6d77\u5916\u5ba2\u6237\u4ed8\u6b3e\uff1b<\/li>\n\n\n\n<li>\u957f\u671f\u6301\u6709\u94fe\u4e0a\u8d44\u4ea7\uff0c\u5e0c\u671b\u51cf\u5c11\u5356\u5e01\u3001\u63d0\u73b0\u548c\u6362\u6c47\u6b65\u9aa4\uff1b<\/li>\n\n\n\n<li>\u7ecf\u5e38\u8fdb\u884c\u8de8\u5883\u6d88\u8d39\u3001\u6d77\u5916\u8ba2\u9605\u6216\u56fd\u9645\u65c5\u884c\uff1b<\/li>\n\n\n\n<li>\u5e0c\u671b\u5728\u8d44\u4ea7\u7ba1\u7406\u548c\u652f\u4ed8\u4e4b\u95f4\u4fdd\u6301\u66f4\u9ad8\u7075\u6d3b\u6027\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u8fd9\u7c7b\u7528\u6237\u6765\u8bf4\uff0c\u52a0\u5bc6\u5361\u5e76\u4e0d\u662f\u4e3a\u4e86\u66ff\u4ee3\u4f20\u7edf\u94f6\u884c\u5361\uff0c\u800c\u662f\u4e3a\u4e86\u8ba9\u5df2\u7ecf\u5b58\u5728\u4e8e\u94fe\u4e0a\u7684\u8d44\u4ea7\u66f4\u987a\u7545\u5730\u8fdb\u5165\u73b0\u5b9e\u6d88\u8d39\u573a\u666f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\u52a0\u5bc6\u5361\u66f4\u9002\u5408\u8de8\u5883\u652f\u4ed8\u3001\u6d77\u5916\u8ba2\u9605\u548c\u5168\u7403\u6d88\u8d39\u573a\u666f\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u968f\u7740\u8d8a\u6765\u8d8a\u591a\u4eba\u901a\u8fc7 Web3 \u9879\u76ee\u3001\u8fdc\u7a0b\u5de5\u4f5c\u6216\u6570\u5b57\u8d44\u4ea7\u83b7\u5f97\u6536\u5165\uff0c\u52a0\u5bc6\u5361\u7684\u4ef7\u503c\u5f00\u59cb\u5728\u5177\u4f53\u6d88\u8d39\u573a\u666f\u4e2d\u4f53\u73b0\u51fa\u6765\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6848\u4f8b\u4e00\uff1a\u8fdc\u7a0b\u5f00\u53d1\u8005\u5982\u4f55\u76f4\u63a5\u6d88\u8d39 USDT \u6536\u5165<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c0f\u5f20\u957f\u671f\u4e3a\u6d77\u5916\u9879\u76ee\u63d0\u4f9b\u5f00\u53d1\u670d\u52a1\uff0c\u6536\u5165\u4e3b\u8981\u4ee5 USDT \u7ed3\u7b97\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fc7\u53bb\uff0c\u4ed6\u9700\u8981\u5148\u5c06 USDT \u8f6c\u5165\u4ea4\u6613\u6240\uff0c\u518d\u5151\u6362\u6210\u6cd5\u5e01\u5e76\u63d0\u73b0\u5230\u94f6\u884c\u5361\uff0c\u4e4b\u540e\u624d\u80fd\u7528\u4e8e\u65e5\u5e38\u6d88\u8d39\u3002\u6574\u4e2a\u8fc7\u7a0b\u6d89\u53ca\u94b1\u5305\u3001\u4ea4\u6613\u6240\u548c\u94f6\u884c\u8d26\u6237\u7b49\u591a\u4e2a\u73af\u8282\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f7f\u7528\u52a0\u5bc6\u5361\u540e\uff0c\u4ed6\u53ef\u4ee5\u76f4\u63a5\u5c06\u7a33\u5b9a\u5e01\u63a5\u5165\u652f\u4ed8\u573a\u666f\uff0c\u7528\u4e8e\u8d85\u5e02\u8d2d\u7269\u3001\u9910\u996e\u6d88\u8d39\u3001\u7ebf\u4e0a\u652f\u4ed8\u7b49\u65e5\u5e38\u5f00\u652f\u3002\u5bf9\u4e8e\u672c\u8eab\u5df2\u7ecf\u6301\u6709\u7a33\u5b9a\u5e01\u7684\u7528\u6237\u6765\u8bf4\uff0c\u8d44\u91d1\u4ece\u6536\u5165\u5230\u8d26\u5230\u5b9e\u9645\u6d88\u8d39\u4e4b\u95f4\u7684\u8def\u5f84\u53d8\u5f97\u66f4\u52a0\u76f4\u63a5\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6848\u4f8b\u4e8c\uff1aAI \u5de5\u5177\u91cd\u5ea6\u7528\u6237\u5982\u4f55\u652f\u4ed8\u6d77\u5916 SaaS<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8001\u674e\u662f\u4e00\u540d AI \u5de5\u5177\u91cd\u5ea6\u7528\u6237\uff0c\u6bcf\u4e2a\u6708\u90fd\u4f1a\u8ba2\u9605 ChatGPT Plus\u3001Midjourney \u4ee5\u53ca\u6d77\u5916\u4e91\u670d\u52a1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7531\u4e8e\u90e8\u5206\u6d77\u5916\u5e73\u53f0\u5bf9\u53d1\u5361\u5730\u533a\u3001\u94f6\u884c\u5361\u7c7b\u578b\u6216\u652f\u4ed8\u7f51\u7edc\u5b58\u5728\u9650\u5236\uff0c\u4f20\u7edf\u94f6\u884c\u5361\u6709\u65f6\u4f1a\u51fa\u73b0\u652f\u4ed8\u5931\u8d25\u7684\u60c5\u51b5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u652f\u6301\u7a33\u5b9a\u5e01\u7684\u52a0\u5bc6\u5361\uff0c\u8001\u674e\u53ef\u4ee5\u76f4\u63a5\u4f7f\u7528\u8d26\u6237\u4e2d\u7684 USDT \u6216 USDC \u5b8c\u6210\u8ba2\u9605\u652f\u4ed8\uff0c\u65e0\u9700\u9891\u7e41\u6362\u6c47\u6216\u5728\u591a\u4e2a\u652f\u4ed8\u6e20\u9053\u4e4b\u95f4\u5207\u6362\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4ece\u94fe\u4e0a\u8d44\u4ea7\u5230\u73b0\u5b9e\u6d88\u8d39\uff0c\u8def\u5f84\u6b63\u5728\u7f29\u77ed<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0a\u8ff0\u4e24\u4e2a\u6848\u4f8b\u80cc\u540e\u53cd\u6620\u7684\u662f\u540c\u4e00\u4e2a\u8d8b\u52bf\uff1a\u8d8a\u6765\u8d8a\u591a\u7528\u6237\u7684\u6536\u5165\u3001\u8d44\u4ea7\u548c\u6d88\u8d39\u884c\u4e3a\u6b63\u5728\u5168\u7403\u5316\uff0c\u4f46\u4f20\u7edf\u652f\u4ed8\u4f53\u7cfb\u4ecd\u7136\u4e3b\u8981\u56f4\u7ed5\u672c\u5730\u94f6\u884c\u8d26\u6237\u6784\u5efa\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u5df2\u7ecf\u6301\u6709\u7a33\u5b9a\u5e01\u7684\u7528\u6237\u6765\u8bf4\uff0c\u4f20\u7edf\u6d88\u8d39\u8def\u5f84\u901a\u5e38\u662f\uff1a<strong>\u7a33\u5b9a\u5e01 \u2192 \u4ea4\u6613\u6240 \u2192 \u94f6\u884c\u8d26\u6237 \u2192 \u94f6\u884c\u5361 \u2192 \u5546\u6237\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u52a0\u5bc6\u5361\u5219\u80fd\u591f\u7f29\u77ed\u4e3a\uff1a<strong>\u7a33\u5b9a\u5e01 \u2192 \u52a0\u5bc6\u5361 \u2192 \u5546\u6237\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u5bc6\u5361\u5e76\u4e0d\u4e00\u5b9a\u9002\u5408\u6240\u6709\u4eba\uff0c\u4f46\u5bf9\u4e8e\u4ee5\u4e0b\u7528\u6237\u7fa4\u4f53\uff0c\u5b83\u5f80\u5f80\u80fd\u591f\u63d0\u4f9b\u66f4\u52a0\u987a\u7545\u7684\u652f\u4ed8\u4f53\u9a8c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u7a33\u5b9a\u5e01\u6301\u6709\u8005<\/strong>\uff1a\u5e0c\u671b\u76f4\u63a5\u4f7f\u7528 USDT\u3001USDC \u8fdb\u884c\u8ba2\u9605\u3001\u8d2d\u7269\u6216\u65c5\u884c\u6d88\u8d39\uff0c\u800c\u4e0d\u662f\u9891\u7e41\u8f6c\u6362\u8d44\u91d1\u8def\u5f84\u3002<\/li>\n\n\n\n<li><strong>Web3 \u4ece\u4e1a\u8005\u548c\u8fdc\u7a0b\u5de5\u4f5c\u8005<\/strong>\uff1a\u6536\u5165\u6765\u81ea\u94fe\u4e0a\u9879\u76ee\u3001DAO\uff08\u53bb\u4e2d\u5fc3\u5316\u7ec4\u7ec7\uff09\u6216\u6d77\u5916\u5ba2\u6237\uff0c\u9700\u8981\u8fde\u63a5\u73b0\u5b9e\u6d88\u8d39\u573a\u666f\u3002<\/li>\n\n\n\n<li><strong>\u8de8\u5883\u6d88\u8d39\u8005\u548c\u6570\u5b57\u6e38\u6c11<\/strong>\uff1a\u7ecf\u5e38\u652f\u4ed8\u6d77\u5916 SaaS\u3001AI \u5de5\u5177\u3001\u4e91\u670d\u52a1\u3001\u9152\u5e97\u548c\u673a\u7968\u7b49\u8d39\u7528\u3002<\/li>\n\n\n\n<li><strong>\u91cd\u89c6\u8d44\u4ea7\u63a7\u5236\u6743\u7684\u7528\u6237<\/strong>\uff1a\u5e0c\u671b\u51cf\u5c11\u957f\u671f\u4f9d\u8d56\u4ea4\u6613\u6240\u6216\u5e73\u53f0\u8d26\u6237\uff0c\u5728\u8d44\u4ea7\u7ba1\u7406\u4e0e\u652f\u4ed8\u4e4b\u95f4\u4fdd\u6301\u66f4\u6e05\u6670\u7684\u63a7\u5236\u6743\u3002<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u9488\u5bf9\u65e5\u5e38\u751f\u6d3b\u4e2d\u9ad8\u9891\u9047\u5230\u7684\u6d77\u5916\u8ba2\u9605\/\u65e5\u5e38\u6d88\u8d39\/\u8de8\u5883\u652f\u4ed8\u7b49\u5177\u4f53\u573a\u666f\uff0c\u53ef\u4ee5\u53c2\u8003\u8fd9\u7bc7\u843d\u5730\u89e3\u51b3\u65b9\u6848\uff1a<a href=\"https:\/\/tk3en79uf0.sg.larksuite.com\/wiki\/GIs7wVGPmiCM4BkVu5mlC7YIgge\" target=\"_blank\" rel=\"noopener\">\u300aUSDT \u65e5\u5e38\u6d88\u8d39\u4e3a\u4ec0\u4e48\u8fd9\u4e48\u96be\uff1f\u4e00\u6587\u770b\u61c2\u652f\u4ed8\u96be\u70b9\u4e0e U \u5361\u89e3\u51b3\u65b9\u6848\u300b<\/a>\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u66f4\u9002\u5408\u8de8\u5883\u652f\u4ed8\u3001\u6d77\u5916\u8ba2\u9605\u548c\u5168\u7403\u6d88\u8d39\u573a\u666f-1024x682.png\" alt=\"\u52a0\u5bc6\u5361\u66f4\u9002\u5408\u8de8\u5883\u652f\u4ed8\u3001\u6d77\u5916\u8ba2\u9605\u548c\u5168\u7403\u6d88\u8d39\u573a\u666f\" class=\"wp-image-2517\" style=\"width:600px;height:auto\" srcset=\"https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u66f4\u9002\u5408\u8de8\u5883\u652f\u4ed8\u3001\u6d77\u5916\u8ba2\u9605\u548c\u5168\u7403\u6d88\u8d39\u573a\u666f-1024x682.png 1024w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u66f4\u9002\u5408\u8de8\u5883\u652f\u4ed8\u3001\u6d77\u5916\u8ba2\u9605\u548c\u5168\u7403\u6d88\u8d39\u573a\u666f-300x200.png 300w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u66f4\u9002\u5408\u8de8\u5883\u652f\u4ed8\u3001\u6d77\u5916\u8ba2\u9605\u548c\u5168\u7403\u6d88\u8d39\u573a\u666f-768x512.png 768w, https:\/\/www.benpay.com\/blog\/wp-content\/uploads\/2026\/06\/\u52a0\u5bc6\u5361\u66f4\u9002\u5408\u8de8\u5883\u652f\u4ed8\u3001\u6d77\u5916\u8ba2\u9605\u548c\u5168\u7403\u6d88\u8d39\u573a\u666f.png 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">Web3 \u94b1\u5305 + U \u5361 + DeFi Earn\uff1a\u52a0\u5bc6\u652f\u4ed8\u4ea7\u54c1\u6b63\u5728\u5982\u4f55\u6f14\u8fdb\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e9\u671f\u7684\u52a0\u5bc6\u5361\u901a\u5e38\u66f4\u50cf\u4e00\u4e2a\u5b64\u7acb\u4ea7\u54c1\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7528\u6237\u9700\u8981\u5148\u4ece\u94b1\u5305\u8f6c\u8d26\u5230\u5e73\u53f0\u8d26\u6237\uff0c\u518d\u5145\u503c\u5230\u5361\u8d26\u6237\uff0c\u7136\u540e\u624d\u80fd\u4f7f\u7528\u5361\u7247\u652f\u4ed8\u3002\u8d44\u4ea7\u7ba1\u7406\u3001\u6536\u76ca\u7ba1\u7406\u548c\u6d88\u8d39\u652f\u4ed8\u4e4b\u95f4\u5f80\u5f80\u662f\u5206\u79bb\u7684\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u79cd\u6a21\u5f0f\u867d\u7136\u89e3\u51b3\u4e86\u201c\u80fd\u4e0d\u80fd\u5237\u5361\u201d\u7684\u95ee\u9898\uff0c\u4f46\u4e0d\u4e00\u5b9a\u771f\u6b63\u51cf\u5c11\u590d\u6742\u6027\u3002\u7528\u6237\u4ecd\u7136\u9700\u8981\u5728\u591a\u4e2a\u5e94\u7528\u3001\u94b1\u5305\u3001\u8d26\u6237\u548c\u652f\u4ed8\u8def\u5f84\u4e4b\u95f4\u5207\u6362\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u968f\u7740\u52a0\u5bc6\u652f\u4ed8\u4ea7\u54c1\u53d1\u5c55\uff0c\u8d8a\u6765\u8d8a\u591a\u4ea7\u54c1\u5f00\u59cb\u4ece\u201c\u5355\u4e00\u5361\u7247\u5de5\u5177\u201d\u8f6c\u5411\u201c\u7efc\u5408 Web3 \u91d1\u878d\u5165\u53e3\u201d\u3002<\/p>\n\n\n\n<p 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href=\"https:\/\/www.benpay.com\/defi-earn\/\">BenPay DeFi Earn<\/a>\uff0c\u7528\u6237\u6682\u65f6\u672a\u6d88\u8d39\u7684\u5361\u8d26\u6237\u4f59\u989d\u53ef\u4ee5\u53c2\u4e0e\u7ecf\u8fc7\u7b5b\u9009\u7684\u4e3b\u6d41 DeFi \u534f\u8bae\u6536\u76ca\u7b56\u7565\uff0c\u5728\u6ee1\u8db3\u4ea7\u54c1\u89c4\u5219\u548c\u98ce\u9669\u63d0\u793a\u7684\u524d\u63d0\u4e0b\uff0c\u63d0\u9ad8\u8d44\u91d1\u4f7f\u7528\u6548\u7387\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u8ba9 BenPay Card \u4e0d\u53ea\u662f\u4e00\u4e2a\u652f\u4ed8\u5165\u53e3\uff0c\u4e5f\u6210\u4e3a\u8fde\u63a5\u7a33\u5b9a\u5e01\u8d44\u4ea7\u3001\u94fe\u4e0a\u6536\u76ca\u548c\u73b0\u5b9e\u6d88\u8d39\u7684\u7efc\u5408\u5de5\u5177\u3002<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"614\" 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