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圣克斯Lucky1688
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On 9/29, we continued to focus on the following core innovation and transformation directions in underlying technical architecture, compliance tooling, and asset operation models:
1. Deep integration of Zero-Knowledge Identity (ZK Identity) with on-chain compliance
Innovation highlights: To address the conflict between decentralization and regulatory compliance, the industry in late September intensively discussed and advanced the practical deployment of ZK KYC (zero-knowledge proof identity verification) technologies.
Technical value: Exchanges, stablecoin issuers, and licensed DeFi (Permissioned DeFi) began using ZK proofs to verify eligibility for on-chain compliance without disclosing users’ sensitive privacy data (such as real names, nationality, and other original document details). This enables users to generate a credential once and reuse it across multiple Web3 services, significantly reducing the risk of privacy data leakage.
2. Scaling experiments for tokenized interbank deposits (Tokenized Deposits)
Innovation highlights: In the convergence of traditional finance and Web3, leading banks in multiple countries (e.g., UK-based Barclays, NatWest, HSBC, and Canadian banking institutions) collectively announced or tested cross-bank tokenized deposit networks in late September.
Technical value: By leveraging blockchain technology to tokenize traditional fiat currency deposits, interbank settlement is shifting from conventional T+1 or lengthy wire transfers toward “instant settlement,” representing a substantive step of traditional finance toward on-chain financial infrastructure.
3. Exchange asset account architecture reform: physical isolation of crypto and tokenized stocks (bStocks)
Innovation highlights: Represented by Binance, a leading exchange, which in late September (starting from 9/29) promoted the split of the Funding Account and the Spot Account, as well as the introduction of a separate “Stocks Account.” Platform-level account architecture is evolving.
Technical value: With the explosive growth of RWA businesses such as tokenized stocks (bStocks), compliant on-chain assets and non-standard/traditional brokerage activities (e.g., T+1 stock settlement via Alpaca) require stricter isolation and independent clearing systems. This account restructuring marks the next stage of super apps moving from “pure crypto trading” to “multi-asset integrated finance (Crypto + Tokenized Equities).”
Follow me—reply with Answer 1 to take away the $SOL 红包!
On 9/29, we continued to focus on the following core innovation and transformation directions in underlying technical architecture, compliance tooling, and asset operation models:
1. Deep integration of Zero-Knowledge Identity (ZK Identity) with on-chain compliance
Innovation highlights: To address the conflict between decentralization and regulatory compliance, the industry in late September intensively discussed and advanced the practical deployment of ZK KYC (zero-knowledge proof identity verification) technologies.
Technical value: Exchanges, stablecoin issuers, and licensed DeFi (Permissioned DeFi) began using ZK proofs to verify eligibility for on-chain compliance without disclosing users’ sensitive privacy data (such as real names, nationality, and other original document details). This enables users to generate a credential once and reuse it across multiple Web3 services, significantly reducing the risk of privacy data leakage.
2. Scaling experiments for tokenized interbank deposits (Tokenized Deposits)
Innovation highlights: In the convergence of traditional finance and Web3, leading banks in multiple countries (e.g., UK-based Barclays, NatWest, HSBC, and Canadian banking institutions) collectively announced or tested cross-bank tokenized deposit networks in late September.
Technical value: By leveraging blockchain technology to tokenize traditional fiat currency deposits, interbank settlement is shifting from conventional T+1 or lengthy wire transfers toward “instant settlement,” representing a substantive step of traditional finance toward on-chain financial infrastructure.
3. Exchange asset account architecture reform: physical isolation of crypto and tokenized stocks (bStocks)
Innovation highlights: Represented by Binance, a leading exchange, which in late September (starting from 9/29) promoted the split of the Funding Account and the Spot Account, as well as the introduction of a separate “Stocks Account.” Platform-level account architecture is evolving.
Technical value: With the explosive growth of RWA businesses such as tokenized stocks (bStocks), compliant on-chain assets and non-standard/traditional brokerage activities (e.g., T+1 stock settlement via Alpaca) require stricter isolation and independent clearing systems. This account restructuring marks the next stage of super apps moving from “pure crypto trading” to “multi-asset integrated finance (Crypto + Tokenized Equities).”
Follow me—reply with Answer 1 to take away the $SOL 红包!
Disclaimer: Includes third-party opinions. No advice. Binance AI may be used without guarantee. See T&Cs.