银行,传统金融,金融体系,奇点将至：当加密技术重写数字银行的底层逻辑 金色财经,谁将成为下一个加密超级应用？

At a fireside chat during Consensus Hong Kong on Feb. 12, Ella Zhang, head of YZi Labs, outlined her core investment philosophy, stressing that long-term value creation in crypto and technology depends on first-principles thinking, founder resilience, and empathy-driven support.Investing from first principles, not trendsZhang said YZi Labs prioritizes fundamentals over market narratives, focusing on whether a product solves real user pain points and can develop into a sustainable business.“We only invest when we find a real problem, the right founders, and the right product,” she said, adding that YZi Labs often backs teams at an early stage and continues supporting them as they scale, not just with capital but with strategic guidance and resources.Founder resilience and empathy as differentiatorsZhang highlighted resilience and curiosity as defining traits of successful entrepreneurs, arguing that sustained curiosity helps founders identify structural gaps and long-term opportunities.She emphasized empathy as central to YZi Labs’ approach. “Only when you truly put yourself in the entrepreneur’s shoes can you understand how hard it is to stay focused while managing countless challenges,” she said. The firm aims to support founders through mentorship and community-building, particularly during periods of stress or failure.Ecosystem leverage through BNB ChainZhang pointed to BNB Chain as a key distribution layer for new projects, citing its scalability, low costs, and large user base. She said these attributes make it a natural launchpad for protocols seeking rapid adoption.YZi Labs, she added, remains open to backing repeat founders, including those whose previous ventures failed, as long as they maintain a long-term mindset rather than pursuing short-term gains.AI agents and stablecoins as next growth wavesLooking ahead, Zhang said AI agents represent a major growth area, but their value ultimately depends on serving real human needs. Products that deliver public benefit and achieve scale can generate commercial value regardless of whether end users are humans or autonomous agents.She also described stablecoins as one of crypto’s most successful real-world applications, enabled by improving regulatory clarity. With more countries exploring fiat-pegged stablecoins, Zhang expects another wave of adoption, while noting unresolved challenges around custody, on-chain FX, and trading infrastructure.CZ’s mentor role at YZi LabsZhang also addressed the role of Changpeng Zhao, describing him as a mentor within YZi Labs rather than an operator. Zhao, often referred to internally as the firm’s “most famous intern,” shares lessons from his entrepreneurial journey with founders, reinforcing a culture of learning and long-term thinking.Overall, Zhang framed the next phase of crypto innovation as one driven less by speculation and more by disciplined investing, resilient founders, and ecosystems designed for real-world adoption.

据 Lookonchain 监测，某新创建钱包于 2 小时前从币安交易所提取了 160 万枚 ASTER 代币，价值约 112 万美元。

A massive $172 million XRP shuffle hit the radar. While the wallets looked "unknown," on-chain data traces these millions directly to Coinbase, Ripple and Bitstamp. Here's what this liquidity move means for the market. source: https://u.today/coinbase-ripple-and-bitstamp-linked-to-172513649-xrp-transfer-via-on-chain-data

null source: https://x.com/BSCNews/status/2021896920835170486

The US economic uncertainty index is at an all-time high, setting a question for the direction of crypto and traditional assets. source: https://www.cryptopolitan.com/global-uncertainty-index-peaks-in-all-assets/

Crypto Jargon posted on X. India's Consumer Price Index (CPI) for January rose by 2.75% year-on-year, slightly below the anticipated 2.77%. This indicates a continued moderation in inflation at the margin.

Crypto Jargon posted on X. India's Consumer Price Index (CPI) for January rose by 2. 75% year-on-year, slightly below the anticipated 2. 77%. This indicates a continued moderation in inflation at the margin. source: https://www.binance.com/en/square/post/290821252962002?utm_source=BinanceNewsRSS

null source: https://x.com/BSCNews/status/2021895673184981372

Digital Currency Group’s founder believes capital rotation from Bitcoin into privacy coins could unlock significant upside potential in the sector. <p>The post Up to 10% of Bitcoin’s Market Cap Could Flow Into Privacy Coins, Says DCG Founder first appeared on Crypto News And Market Updates | BTCUSA. </p> source: https://btcusa.com/up-to-10-of-bitcoins-market-cap-could-flow-into-privacy-coins-says-dcg-founder/

null source: https://x.com/wublockchain/status/2021894826439192827

英国财政部已选定汇丰银行的Orion平台试点代币化政府债券，使英国成为首个测试区块链技术应用于主权债务的七国集团成员国。这项名为DIGIT的试点计划将探索更快捷的链上结算方案，旨在提升英国金融市场的数字基础设施建设水平。

前两天关于加密货币的两份文件出来之后，整个朋友圈算是被刷屏了。我看到大量同行朋友在做文章解读，也看到短视频上，大家讨论RWA的机构或团队也火热起来了。

区块链情报公司Arkham数据显示，币安目前托管着由特朗普家族支持的世界自由金融公司（WLF）发行的旗舰稳定币USD1总供应量的惊人87%。

阿联酋中央银行已批准迪拉姆支持的稳定币DDSC，该币种现已在ADI链上线，供机构及政府使用。它将用于支付、结算、贸易及可编程金融服务，并通过经批准的平台向FAB客户提供。

泰国已批准将数字资产（包括比特币（BTC））作为衍生品和资本市场的基础资产，标志着该国加密货币监管方式的重大转变。

此举将可促使具备稳健信贷状况及抵押品的保证金客户更积极参与虚拟资产交易，继而在风险可控的框架下提高香港市场的流动性。

《通知》把RWA代币化定义为一种新型证券活动，跨境RWA代币化即跨境证券活动，这意味着在中国内地和香港都持牌的证券中介机构有望受益

加密市场,行情,监管,中国的「加密寒冬」愈发寒冷 金色财经,「资本管制与稳定币自由化从根本上就是互斥的。」

T-Mobile即将推出一项实时电话翻译测试服务，该服务通过直接嵌入移动网络的人工智能技术，无需额外应用或设备即可实时翻译50多种语言。这项免费测试将于2026年1月12日启动，部分用户今春即可体验，并计划于今年晚些时候全面推广。