梦见电子羊的仿生人.ton

Today marks both a culmination of our hard work and a bold new beginning. We are thrilled to officially launch the ROZO Ambassador Program, inviting you to help us redefine the global commerce payments on chain. It's time to Exit the Old Economy. 👇

there’s a common view that card networks (visa, ma, etc) should get disrupted by new rails such as as stablecoins because they charge merchants an absurd 3% fee. the reality is card networks keep a v small portion of this fee. assume a typical $3 fee on a $100 purchase, about - $1.8 goes to the consumer (as card rewards) - $0.45 goes to the issuing bank (the consumer’s bank) - $0.6 goes to the acquiring bank (bank of the merchant) - $0.15 goes to visa/ma this is one of the most remarkable examples of incentive alignment: - consumers keep a lion share of it as incentives to continue to use the card - issuing bank is incentivized to acquire customers for the network - acquirer is incentivized to acquire merchants for the network - visa/ma keep a tiny portion but they get to scale the network at virtually 0 marginal cost - merchants pay for all of this as they have the least bargaining power easily one of the strongest instances of network effect we’ve seen in the history of businesses

JUST IN: Kalshi co-founder Luana Lopes Lara becomes the youngest self-made female billionaire in history, surpassing Taylor Swift and Lucy Guo.

ZEC总市值$9B，总供应量为1600万枚ZEC，在过去的24小时内交易量达到18亿美元，但目前被屏蔽池（shielded pool）中仅有180万ZEC，占总量的11%，仅为比特币单位时间生成区块的1%。好明显，这一轮关于隐私的叙事，更多是受到整个加密市场情绪以及头部KOL、V神等人的背书带动，而真实的使用量级虽然提升了十倍，但整体占比仍然偏低。 隐私币的诞生是因为存在对完全隐私和安全的交易有需求。比特币是公开透明的账本，通过链上地址可以追踪到交易所的地址，甚至可以关联到完成KYC的实名地址。近几年发生的btc抢劫案就是歹徒 线下胁迫取款，如加拿大案中，绑架与水刑以逼迫用户提供钱包访问权。隐私币的另一关键用途是避免金融审查和政治监管，让金融工具具备抗审查能力，摆脱“政府手铐”。 但是目前这个量级的使用占比说明这项功能的使用并不那么满意，实际使用过程中存在不少痛点。首先是使用体验不佳，隐私交易操作繁琐、处理速度慢，整体用户体验不理想。当前Zcash的隐私池中仅有180万ZEC，约每100笔交易中只有不到10笔是屏蔽交易。这种较低的隐私使用率，让像Chainalysis这样的区块链分析公司能较轻松地通过启发式算法判断用户何时进入或离开隐私池，从而削弱Zcash的隐私功能。 同时，几乎没有交易平台允许用户在不进行KYC身份验证的情况下兑换Zcash，尤其是在使用屏蔽交易的情境中，换句话说，免KYC的流动性极其有限。 此外，许多用户也出于对合规风险的担忧，特别是害怕触发反洗钱（AML）规则而选择kyc。 11月24日OKX上线ZEC，很大可能是因为当前bearish市场背景下隐私赛道可能还是最热门的题材之一，意图通过此举激发散户交易兴趣，吸引并留住用户。在尚未对金融监管或政府构成明显威胁的前提下，ZEC等隐私币仍有一定的生存空间。至于未来如何发展，投机性因素背后还是需要真实需求来支撑。