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你知道当你翻衣柜找衣服的时候，总有一些衣服是你一直拿起来穿，反复穿的那种。
You know when you look in your closet for clothes, we always have those pieces that you keep grabbing for and wearing on repeat.
那件百搭的毛衣，那条完美的裤子，或者那件你总是第一个拿起来的T恤。
The sweater that goes with everything, the perfect pair of pants, or that tee you somehow always reach for first.
这些就是让你穿衣变得轻松的单品，而这正是Quince最擅长的。
Those are the pieces that make getting dressed easy and that's what Quince does best.
Quince专注于高品质的衣橱必备单品，采用优质材料，比如100%蒙古羊绒、有机棉和美利奴羊毛。
Quince focuses on high quality wardrobe staples made with premium materials like 100% Mongolian cashmere, organic cotton, and merino wool.
这些款式经典、百搭，设计成你每天都会依赖的可靠单品。
The styles are timeless, versatile, and designed to become dependable pieces you reach for every day.
各位，夏天结束了，秋天马上就到了，而且秋天是我最喜欢的穿衣季节，因为九月初天气还暖和的时候，你还能穿那些轻薄、透气、合身的T恤和轻便的裤子，但天气开始转凉，你需要毛衣，需要提升你的穿搭，重新整理你的衣柜，迎接深秋和初冬。
Guys, summer is over and fall is right around the corner, and it's my favorite time of year for clothes in the fall because you still get some of that light, breathable, fitted tees and light pants that you want to wear when it's early September and still warm, but it starts to transition into that colder weather where you're going need some sweaters, you're going need to up your game and reorganize your closet as we transition into the late fall early winter.
Quince是你买衣服的首选之地。
Quince is your place to go for all things clothes.
我喜欢他们的亚麻制品。
I love their linens.
我们整个夏天都在聊这个。
We talked about it all summer.
整个夏天在希腊都是TiVo的亚麻布，但现在进入秋天了，我们可能要找一些T恤和裤子，然后等天气一转冷，我北上过圣诞假期的时候，肯定会买他们家的100%蒙古羊绒毛衣，我特别喜欢。
It was TiVo linens out in Greece all summer long, but now as we head into the fall, we're looking for maybe some more T shirts, some pants, and then again, once the weather turns and I go up north for the Christmas holiday season, I'll definitely be doing their 100% Mongolian cashmere sweaters that I love so very much.
朋友们，Quince真的很棒。
Guys, Quince is amazing.
他们的网站也特别好用。
The website is awesome.
我之前也提过。
I've talked about it before.
他们不只是卖衣服。
It's not just clothing.
Quince把同样的理念用在他们做的所有东西上，从酒店品质的床品和卫浴用品，到厨房必需品，再到设计贴心的家具。
Quince brings the same approach to everything they make, From hotel quality bedding and bath to kitchen essentials and thoughtfully designed furniture.
他们为日常生活打造设计精良的产品。
They make well designed pieces for everyday living.
我经常提到它。
I talk about all the time.
他们做每件事都很到位。
They do everything the right way.
在Quince找到你秋季的新宠吧。
Find your next fall favorites at Quince.
下载Quince应用获取专属优惠，或者访问quince.com/crypto10one。
Download the Quince app for app exclusive offers or go to quince.com/crypto10one.
享受免费配送和365天退货服务，现在加拿大和英国也可以享受了。
Get free shipping on your order and three hundred and sixty five day returns now available in Canada and The UK too.
网址是quince.com/crypto10one。
That's quince.com/crypto10one.
好了，各位。
Alright, everybody.
我们现在在Out East峰会的现场。
We are here at the Out East Summit.
我有一位非常棒的嘉宾，我非常荣幸能邀请到他，斯科特·谢伊，Next的联合创始人，那是一家非常出色的加密货币银行。
I've got an incredible guest who I'm very honored and privileged to have join me, Scott Shay, the cofounder of Next, which is an incredible crypto bank.
斯科特，很高兴见到你。
Scott Nice to meet you.
感谢你今天来参加我们的节目。
Thank you for joining us today.
你觉得这次峰会到目前为止怎么样？
And how are you enjoying the summit so far?
简单说两句。
Real quick.
非常棒。
So great.
是的。
Yeah.
你是，你是……
You're a you're
一只鸟。
a bird.
我很喜欢，你知道的，你知道的，因为那些东西马上就要涌出来了。
I love, you know, you know, cause that are just about to pour out.
对。
Yeah.
希望它们能成为生育的象征。
Hopefully, they'll fertility symbol.
对。
Yeah.
是的。
It is.
感觉就像，你知道的，为下一轮牛市准备的肥沃土壤。
It feels like, you know, fertile soil for the next bull market.
对。
Yeah.
对吧？
Right?
没错。
Exactly.
我们快到十月了。
We're getting to October.
你知道吗？
You know?
我们需要土壤准备好。
We need the soil to be ready.
我知道。
I know.
我在聊周期。
I was talk cycle.
我之前跟别人聊过四年减半周期的事。
I was talking to somebody else about the the four year halving cycle.
对。
Yeah.
我觉得我们可以从那里开始。
I guess we could start there.
这个还会继续成立吗？
Is that gonna remain true?
你觉得比特币还会保持那种四年减半周期吗？就是那种，你知道的，过去三次看起来都差不多是整整一年的熊市，然后接下来又有两三年好行情。
Do you think Bitcoin is going to have that sort of four year halving cycle where it, you know, has this big long, pretty much symmetrically year long bear market seems like for the last three, and then has another couple of good years after.
你觉得那是不是一种自我实现的预言，可能会一直持续下去，还是说
You think that is a self fulfilling prophecy that might keep happening, or
那是短暂的爆发吗？
is that spurts?
对。
Yeah.
不。
No.
我跟你说，你看啊。
I I I look.
这个我没法解释。
I can't explain it.
但你想啊，比特币、以太坊，或者任何其他币，它们都是基于算法的。
But when you think about Bitcoin or Ethereum or you think about any, you know, potential coin, I mean, that's based upon an algorithm.
基本上，它们天生就是为周期而设计的。
It's essentially already, you know, tailor made for a cycle.
对。
Yeah.
而且你内置了减半机制。
And you built in halving.
你把一大堆周期性因素都编进了数学里。
You built in a whole bunch of cyclical, it issue it to the mathematics.
对。
Yeah.
所以不像股票有现金流支撑，这里你真的是造了一个工具，对。
So unlike a stock that has underlying cash flows, here, you really built a instrument that yeah.
它没有特别的原因应该发生，但另一方面，也没有理由不应该发生。
There's there's no particular reason it should be happen, but on the other hand, there's no reason it shouldn't.
对。
Right.
这很有意思。
It's very interesting.
有没有人相信，如果足够多的人相信某件事，你怎么
Does anybody believe if enough people believe in something, how are you
说服他们那不是真的？
gonna convince them it's not true?
对。
Yeah.
就像两百日均线一样。
It's like the two hundred day moving average.
为什么是两百天移动平均线？
Why the two hundred day moving?
为什么大家这么在意它？
Why do people care about it so much?
它只是一个过滤器。
It's a filter.
从某种意义上说，它是自我实现的。
It's self fulfilling in a sense.
但是，你看，你是银行业专家。
But, look, you're the banking expert.
你创办过银行。
You've started banks.
四家。
Four.
是的。
Yeah.
四家银行。
Four banks.
所以，你看，我们想好好聊聊银行业。
So, look, we wanna talk all about banking.
我们把这个叫做“加密入门”。
We want this we call it Crypto one zero one.
那是我们的播客。
That's our podcast.
我们可能会把这一期叫做“银行业入门”。
We might have this episode called banking one zero one.
对。
Right.
所以，我觉得最引人注目的是，你是在整个“签名银行风波”期间进入我的视野的，但这事不应该叫“签名银行风波”。
And so I think most notably, you came on to my radar during the whole signature fiasco, but it shouldn't be called the signature fiasco.
这其实是“扼喉行动2.0”，基本上就是政府非法排斥和歧视任何真正交易加密货币的公司，还关闭他们的银行账户，而你恰好就身处这一切的中心。
It's really Operation Choke Point two point o when, basically, the the government ostracized and discriminated illegally against any firm that was really trading crypto and shutting bank accounts down, and you just happen to be, you know, in the middle of all this.
我想了解一下，从你的角度来看，那整件事到底是怎么回事。
And I wanna understand a little bit about what that whole thing was from from your viewpoint.
而且我记得，如果我没记错的话，你在国会作过证。
And I believe, if I'm not mistaken, you testified in front of congress.
是的，我作过证。
I did.
我是说，你知道，我觉得我这辈子都不会……
I mean, which is, you know, I don't think I'll ever houses.
我觉得我从来没遇到过在参议院或国会作过证的人。
I don't think I've ever met anybody who's testified in the senate congress.
所以能见到你，真是非常荣幸。
So it's very, very nice to meet you and be graced here.
跟我们讲讲那段经历吧，然后你是怎么从那段经历中决定先回到银行业，再回到加密货币领域的？
But tell us about that experience, and then how did out of that experience you decided to go at first back into banking, back into crypto?
那我先稍微退一步说吧。
So I'm gonna take a half a step back.
那就开始吧。
Let's do it.
这很重要。
It's important.
这算是加密货币入门课。
It's this is a crypto one zero one.
我们需要背景信息。
We need context.
对。
Yeah.
所以，我想你得叫我银行迷，因为我是德克萨斯联合银行的创始人，那是一家地区性银行，看起来就像你能想象到的任何一家普通银行。
So I am I suppose you would have to call me, like, a banking nerd in that I was a founder of Bank United of Texas, which was a regional bank, looked like every other bank you would imagine.
我们把它从115亿美元的银行发展到了200亿美元。哇。
We grew it from a $11,500,000,000 bank to a $20,000,000,000 Wow.
在我们卖掉之前。
Before we sold.
然后按照现代银行业的常见套路，它就被卖了又卖，现在成了摩根大通的一部分，就像美国一半的银行一样。
And then in typical modern banking context, it was sort sold and sold, and now it's part of JP Morgan Chase, like half the banks in The United States.
后来我又创办了一家叫Merrick Bank的银行。
And then I was a founder of a bank called Merrick Bank.
其实是联合创始人。
Was the cofounder.
我不是创始人。
I wasn't the founder.
我是联合创始人，那是一家信用卡银行。
I was cofounder, and that was a credit card bank.
所以我对银行系统的内部运作了解了很多。
So I got to learn a lot about the guts heman system.
好吧。
For okay.
我怀疑钱是怎么流动的，你知道吗，当你刷卡的时候实际发生了什么。
I doubt how money pulls, you know, what actually happens when you put your card.
你知道，那时候，你真的是要刷卡的。
You know, in those days, you would actually Swipe it.
刷卡，但你知道，会发生什么，那些钱是怎么被扣的，那些桥接是怎么回事，以及背后的深层管道是怎么运作的。
Swipe But, you know, what it would happen and how those money pulls, what all those bridges are about, and how the deep plumbing takes place.
当然。
Sure.
我创办Signature Bank的时候，想法是我们可以打造一种超高服务水平的银行模式。
I started Signature Bank with the idea that we could create a super high service model of banking.
我们在2001年5月1日开业，那是一家传统银行，基本上是一家很棒的社区银行，一直在增长，一直盈利。
We opened it 05/01/2001, and it was a traditional bank, a great community bank, essentially that was just growing, always profitable.
然后，重点来了。
And then here's the thing.
2013年，我开始对加密货币和比特币感兴趣。
In 2013, I started to get interested in crypto and Bitcoin.
那你算是早的了？
So you were early?
我算是早的。
I was early.
然后我开始读密码学方面的书，了解密码学和区块链的结合如何催生了加密货币的可能性。
And, I started reading cryptography, you know, books on cryptography, and understanding how the confluence of cryptography and blockchain created the possibility for crypto.
我是说，你
I mean, you
就像去中心化的银行。
Like a decentralized bank.
就是说，你不需要任何中介或信托机构。
Like, you didn't need any intermediaries or trusts.
对。
Right.
你只需要拥有这个资产。
You just had this asset.
所以，大概2013年，我算是公开了，然后我上了CNBC，就像收盘邮件之类的。
So, like, 2013, I sort of went public, and then I went on CNBC, like, closing mail or something.
对。
Yeah.
就是那种节目之一。
One of those shows.
我当时说，我是在转述大意。
And I said I'm paraphrasing.
我不太记得他具体说了什么，但他说的是，我不确定比特币会不会彻底改变世界。
I don't know exactly what I remember exactly what he said, but he said, I'm not sure about whether Bitcoin will revolutionize me.
但区块链会。
This was blockchain will.
哇。
Wow.
是的。
Yeah.
嘿。
Hey.
嘿。
Hey.
区块链，麦克斯。
Blockchain, Max.
对。
Yeah.
那时候人们都在问，区块链是什么？
People are like, what's a blockchain back then?
对。
Yeah.
我们就是在节目上这么说的。
We're making literally on the show.
不知道。
Don't know.
在拿你开玩笑呢，兄弟。
Making fun of you, bro.
真的是在取笑。
Literally making fun.
我相信。
I believe it.
而且我确实做到了。
And I did it.
我在福克斯商业频道上说了些话，我以为那个人，然后另一个人，我以为那个人要扔东西过来。
I said something on Fox Business, and I thought the guy then somebody else I thought the guy was gonna throw something.
因为当时我是一个传统的银行家，而我在说我们所有的旧系统基本上都应该被淘汰。
Because here I I was a I was a traditional banker, and and I was saying all of our legacy systems are basically should be discarded.
对。
Yeah.
它们太旧了。
They're old.
它们太旧了。
They're old.
它们又旧又过时了。
They're they're old and molded.
对。
Yeah.
而且确实，你知道，它们是用C++建的，还有一些是用很老很老的系统建的，真的应该好好处理一下。对。
And it really is you know, you had to being built on c plus plus, and you had them built on, like, really old old sister stat just should be given a proper Yeah.
带着尊重。
With respect.
带着尊重，但也要妥善处理。
With respect, but a proper barrier.
所以我慢慢开始涉足，并且越来越倾向于支持加密货币和区块链。
And so I sorta got into it and got signature into trying to be crypto and blockchain friendly.
是的。
Yep.
一开始，那真的是蛮荒西部，我们一直到2017、2018年才开始真正做加密货币公司。
In the beginning, it really was the Wild West, and it took us until, like, 2070, 2018 to start really making crypto companies.
但后来我们做到了，我们成了第一家拥有24小时全天候区块链转账系统的银行。
But then we did, and we became the first bank to have a 20 core by seventies, a blockchain enabled, running transfers system.
那就是Signet。
That was Signet.
对吧？
Right?
就是Signet。
I was Signet.
所以，如果要说我那时候的成名之作，希望接下来能有个更大的，老天保佑，大成就。
So if I my my claim to fame to that date, hope next will be my, please god, big claim
成名之作。
to fame.
没错。
There you go.
但基本上，你知道，我就是第一个24小时全天候区块链银行系统的创造者。
But was you know, essentially, I was the creator of the first 24 by seven blockchain banking system.
银行系统，那是个巨大的
Banking system, which was an enormous
大家都在用。
Everybody used it.
所有人。
Everybody.
每个对冲基金，每个支付处理商，那都是事实上的支付结算方式。
Every hedge fund, every, you know, payment processor, that was the de facto payment settlement.
它依赖纽约。
It was dependent on New York.
我以为它大到不能倒，
I thought it was too big to fail, to
说实话。
be honest.
嗯，它你
Well, it you
你知道，但政府的三……我们待会儿再说这个。
know, but the government's three We'll get to that.
稍后再说，但我们都这么说。
A little bit later, but I both say this.
有趣的是，我特意安排在2019年1月1日凌晨12点01分推出，那时银行都关门了，而且当时正处于……哦，我明白了。
The funny thing was I made a point of having it introduced 12:01AM on 01/01/2019 when the banks were closed and was in the middle of the not Oh, I see.
我们当时就开通了，做了第一笔交易，罗比说……
We opened it then and did the first transactions, which Robbie said
算是，你知道，对Sits开发终结的一种致敬。
As a, you know, homage to the death of the Sits development.
是的。
Yes.
这真的是，你知道，我真心觉得这有点像是诗意的正义。
This was the you know, I really I really thought this was sort of the poetic Poetic justice.
对。
Yeah.
你知道吗？
You know?
是的。
Yeah.
以弗所。
Ephesus.
那你知道好笑的是什么吗？
So and do you know what the funny thing was?
哦，头六个月，大家其实都不太清楚自己在做什么。
Oh, the first six months, people really didn't know what they knew with their yeah.
所以一直到六月，我其实在董事会那里有不少信誉，所以就忍了。
So until June, I really you know, I thought I I had a lot of straight credit with the board, so, yeah, lived with it.
但他们都在挠头。
But, I mean, they were scratching their heads.
就像，我们到底花了什么钱？
Like, what did we just spend?
你知道吗？
You know?
好几千万，你知道吗？
Tens of you know?
我们把这些钱都花在哪儿了？
What do we spend all this money on?
好几千万美元。
Tens of millions of dollars.
然后，你知道，我们把它卖了，卖了，跟人解释了一番。
And, you know, we sold it, sold it, explained it to people.
长话短说，到七月底，它就被撤下来了。
And to make a long story short, by the end of by July, it was taken off.
对。
Yeah.
到2022年底，2022年底，我们有一万亿美元的资产，没有重复计算。
By the end by the end of twenty twenty two, the end of twenty twenty two, we had a he had a trillion dollars bus over with no double counting.
对。
Yeah.
哇。
Wow.
记住，我们当时不是跟摩根大通和那些大银行系统打交道，所以这些都是其他机构。
Remember, we weren't we weren't dealing with JPMorgan and the big bank system, so this was everybody else.
是的。
Yes.
他们不想用那些系统。
Didn't wanna be on those systems.
对。
Yeah.
当时真的运转得非常好。
It was really humming.
利润非常可观。
It was hugely profitable.
你回头看看董事会。
You look back at the board.
你会说，看到了吧？
You're like, see?
看到我们花那么多钱都花在哪儿了吧？
See what we spent all that money on?
是的。
Yes.
没错。
Exactly.
而且他们，我，就在里面。
And they they I it's in there.
他们明白了。
They got it.
他们明白了。
They got it.
所以我们当时就靠着Signature Made，税前差不多快到20亿美元了。
And so we were just toodling Signature Made, like, close to 2,000,000,000 pretax.
哇。
Wow.
真的。
Too.
全靠Signet的势头。
On the strength of Signet.
Signet。
Signet.
而那些，那些，那些雨
And those those Those rain
云层散开了。
clouds open up.
那是丰收的预兆。
It fertility.
你马上就要讲到故事里最精彩的部分了。
You're about to get to the fertile part of the story.
咱们走吧。
Let's go.
我希望这天气对你来说没问题，是的。
I I hope this weather's okay for you, and we yeah.
我知道我们的音频会很好，因为我们有专业的音频师在混音。
I know our audio is gonna be just fine, so we got audio pros mixing it.
好。
Good.
我们会继续往前推进。
We're gonna keep charging through.
好。
Good.
好。
Good.
好。
Good.
好。
Good.
所以，为了回答你的问题，正是在那里我看到了巨大的潜力，这就是我直接回答你的问题的内容。
So to make so to to answer your question, that's where I saw this just enormous potential I showed in direct answer to your question.
对。
Yep.
因为我觉得我们需要重塑银行的底层系统。
Because I thought We need to reinvent the banking rails.
是的。
Yeah.
而且我实际上一直在试图说服行业里的其他人也这么做。
And I gave I actually was trying to convince the rest of the industry to do this.
我当时是“美国中型银行联盟”的副主席。
I was vice chairman of this thing called the Midsize Bank Coalition of America.
好的。
Okay.
你知道什么最拖慢团队进度吗？
You know what slows teams down more than anything?
不一定是人员预算，甚至也不一定是工具本身。
It's not always the headcount budget or even the tools themselves.
而是当工作方式只存在于某个人脑子里，从来没有被真正记录下来的时候。
It's when the way work gets done lives in someone's head and never actually gets documented.
然后有新同事加入，新平台上线，或者有同事离职，突然每个人做同一个流程的方式都不一样了。
Then someone new joins, a new platform gets rolled out, or a teammate leaves, and suddenly everybody's doing the same process in a different way.
这正是今天的赞助商Scribe要解决的问题。
That's exactly the problem today's sponsor, Scribe, was built to solve.
Scribe是一个工作流AI平台，94%的财富500强公司都在用它。
Scribe is a workflow AI platform trusted by 94% of the Fortune 500.
它能在工作流发生的时候自动捕捉，然后生成一步步的文档，方便你的团队查看和分享。
It captures workflows as they happen and turns them into step by step documentation your team can review and share.
你就像平常一样操作，Scribe 会边做边生成指南，自动捕捉每一步点击、操作和截图。
You just do the process like you normally would, and Scribe builds the guide as you go, capturing every click, step, and screenshot automatically.
因为我们的团队是远程的，我确实遇到过好几次需要向同事重复解释同样的设置或流程的情况，每次都觉得这些应该在第一次就记录下来。
With our team being remote, I have definitely had moments where I've had to explain the same setup or process more than once to a colleague, and it always feels like something that should have been documented the first time.
有了 Scribe，原本可能需要花几个小时编写和整理的内容，不到一分钟就能准备好分享。
With Scribe, what could take hours of writing and cleanup can be ready to share in under a minute.
Scribe 还会自动从截图中隐藏敏感信息，比如姓名、邮箱和账号。
Scribe also automatically redacts sensitive information like names, emails, and account numbers from screenshots.
管理员可以在整个团队中强制执行这一设置，确保没有任何遗漏。
Admins can enforce that across the team so nothing slips through the cracks.
另外，任何按照流程操作的人都能获得实时的屏幕指导，准确显示在工具中应该点击哪里。
Plus, anyone following the process can get real time on screen guidance showing exactly where to click inside the actual tool.
Scribe 不只是记录工作流程，它还会用 AI 提出改进建议，帮你发现冗余步骤，并找到简化或自动化的机会。
Scribe doesn't just document workflows, it uses AI to suggest ways to improve them, helping you spot redundant steps and opportunities to simplify or automate.
想看看 Scribe 能为你的团队带来什么，可以访问 scribe.how/crypto101，并提及 crypto101，即可在特定套餐上免费使用第一个月的 Scribe Capture。
To see what Scribe could look like for your org, head to scribe.how/crypto101 and mention crypto101 for your first month of scribe capture free on select plans.
网址是 scribe.how/crypto101。
That's scribescribe.how/crypto10one.
现在大家都在谈论AI，但真正重要的AI是那种能帮你节省时间、帮你做出更明智决策、减轻你工作负担的AI。
Everybody is talking about AI right now, but the AI that actually matters is the kind that saves you time, helps you make smarter decisions, and takes work off your plate.
如果你在经营电商业务，物流配送就是那种要么让你顺利推进，要么让你完全停滞的事情。
And if you're running an e commerce business, shipping is one of those things that can either keep you moving or completely slow you down.
这就是我喜欢ShipStation的原因。
That's why I like ShipStation.
它是一个为电商企业打造的端到端订单履行平台，它的AI基于全球数十亿次发货的几十年真实物流数据训练而成。
It's an end to end order fulfillment platform built for ecommerce businesses, and its AI is trained on decades of real shipping data from billions of shipments across the world.
所以，不用再手忙脚乱地切换各种工具，ShipStation能帮你掌控全局。
So instead of juggling a bunch of different tools, ShipStation helps you stay in control.
它能在库存不足时提醒你，推荐最佳承运商和费率，自动化任务，并帮助你在成长过程中节省时间。
It can alert you when your stock is low, recommend the best carrier selections and rates, automate tasks, and help you save time as you grow.
你还能获得跨销售渠道的库存同步、自动比价、品牌化退货门户，以及与会计和CRM软件的集成，所有这些都在一个地方搞定。
You also get inventory syncing across sales channels, automatic rate shopping, a branded returns portal, and integrations with accounting and CRM software all in one place.
如果我是开网店的，我肯定会想要这种工具，因为一旦订单开始进来，你肯定不希望物流成为拖后腿的事情。
If I were running an ecommerce store, this is exactly the kind of tool I'd want because once the orders start coming in, you don't want shipping to be the thing that's holding you back.
超过一百万家企业已经信任ShipStation来优化和扩展他们的物流。
Over 1,000,000 businesses have trusted ShipStation to optimize and scale their shipping.
你越早切换，就能越早开始节省时间和金钱。
The sooner you switch, the sooner you start saving time and money.
今天就注册ShipStation，在shipstation.com使用代码crypto，即可享受六十天免费。
Get started with ShipStation today and get sixty days free at shipstation.com with code crypto.
网址是shipstation.com，代码是crypto。
That's shipstation.com, code crypto.
Shipstation.com，代码crypto。
Shipstation.com, code crypto.
税费和费用另计。
Taxes and fees apply.
我不知道你怎么样，但我经常是突然发现该吃晚饭了。
I don't know about you, but dinner sneaks up on me all the time.
我打开冰箱，发现没有现成的蛋白质，那时候我可不想跑去商店，临时采购，还得赌店里还剩什么肉或者汉堡。
I'll open the fridge and realize I have no protein ready, and at that point, I'm not trying to go to the store, make a last minute grocery run, and gamble on whatever meats or burgers are left at the store.
所以Omaha Steaks是个很好的冷冻储备选择。
That's why Omaha Steaks is a great freezer move.
就像家里有个信得过的肉铺，在你最需要的时候提供优质蛋白质。
It's like having a trusted butcher at home and quality protein when you need it the most.
Omaha Steaks用一百多年的时间赢得了口碑。
Omaha Steaks has earned its reputation with over a hundred years.
全国厨房里信赖的牛肉，直接送到你家门口。
It's the same beef trusted in kitchens across the country, shipped straight to your door.
牛排馆的品质，却没有牛排馆的价格。
Steakhouse quality without the steakhouse prices.
你家人会以为晚餐花了好几个小时，其实没有。
Your family will think dinner took hours, but it didn't.
只要几分钟。
Just minutes.
如果你还没试过，那个“完美汉堡精选”套餐是最合适的起点。
And if you never tried them, the burger perfection flight is the perfect place to start.
你会得到20个优质牛排汉堡，用的是五种不同的牛排部位。
You get 20 premium steak burgers made from five different cuts of steak.
四个菲力牛排汉堡、四个纽约客牛排汉堡、四个肋眼牛排汉堡、四个牛胸肉汉堡，还有四个西冷牛排汉堡。
Four filet mignon burgers, four New York strip burgers, four rib eye burgers, four brisket burgers, and four sirloin burgers.
各位，这简直就是汉堡界的山寨币组合。
Guys, this is the altcoin basket of burgers right here.
如果我和布莱恩在节目里，我们肯定会把这些对半分，因为你知道我们夏天多喜欢烧烤。
If me and Brian were on the rundown, we would be divvying these up fifty fifty because you know how we like to grill in the summer.
你得到的不仅仅是一盒汉堡，而是不同的风味、不同的口感，还有真正的牛排馆级别的多样性，你可以放在烤架上烤，或者工作日快速烹饪。
You're So not just getting a box of burgers, you're getting different flavor profiles, different textures, and real steakhouse style variety you can throw on the grill or cook up fast during the week.
今天就到omahasteaks.com试试“完美汉堡精选”吧。
Try the burger perfection flight at omahasteaks.com today.
20个优质牛排汉堡只要79.99美元，使用促销码beef还能再减35美元。
That's 20 premium steak burgers for just $79.99, plus get $35 off with the promo code beef.
网址是omahasteaks.com。
That's omahasteaks.com.
结账时输入优惠码beef，立减35美元。
Promo code beef for $35 off at checkout.
适用条款。
Terms apply.
详情请见网站。
See site for details.
好了，各位。
Alright, everybody.
我知道刚才有点突然中断，因为雨下得比我们预想的要大得多。
So I know that was a little bit of a hard stop when we the the rain started coming down way harder than we anticipated.
我们收到了龙卷风警报的通知。
We've got joint notifications of a tornado warning.
所以整个峰会都转移到室内了。
So the whole summit moved inside.
我们不再在室外东区了。
We are no longer out east.
我们现在在室内东区。
We are inside East.
但我们会接着刚才的话题继续聊。
But we're gonna pick right back up where the conversation left off.
感谢大家的耐心等待。
Thank you for bearing with us.
斯科特·谢伊。
Scott Shay.
好的。
Okay.
刚才我们被打断的时候，是的。
So when we were interrupted Yes.
我当时说，我参与了一些行业协会，特别是其中一个，美国中型银行联盟。
We I was saying I was I was involved in some of the trade associations, one in particular, the Mid sized Bank Coalition of America.
我之前还提到过，而且我们在镜头外也聊了一点，我真的是一个极力推动中型银行进入区块链领域的布道者。
And I was talking about the the fact that and a little bit more off when we were off camera that we had I was a real evangelist for getting mid sized banks into the blockchain arena.
是的。
Yes.
有一次我给联盟里大概240位CEO和CFO做演讲，我真的很想说服他们，对吧。
And I gave one time a talk to I wanna say they're, like, 240 CEOs, CFOs, banks in the in the coalition and trying to really evangelize, if you will Yeah.
区块链能做什么，因为当时大家都在用FIS、Fiserv、Jack Henry这些大牌。
What the blockchain could do because everybody was on at the time FIS, Fiserv, Jack Henry, who are all good names.
但如果你去看底层代码，你会发现现在很多写代码的人，那时候还没出生呢。
But if you go back into the code, you know, a lot of people who are coding that today weren't even born when
对。
it Yeah.
都是COBOL、C++这些老古董，那你主要的卖点是什么？
Goes COBOL, c plus plus, old what was your main selling point?
是不是就像，嘿。
Was it just like, hey.
这是我们升级银行系统的机会，还是说重点真的在于最终结算、即时清算，以及它的全球覆盖范围？
This is our chance to upgrade the banking system, or was it really on, like, the the finality, the instant settlement, the global span of it all?
你当时在推广的时候，如果回忆一下，主要的卖点是什么？
What what was when you were evangelizing, if you could recall back, what was the main selling point?
以上所有。
All of the above.
对。
Yeah.
而且，基本上，反对的声音就是：我们一直这么做。
And, and, basically, the pushback was we've been doing it this way.
所以那时候，我就已经在想，而且这和接下来的话题有关，那时候我就觉得，必须得建一个核心操作系统是区块链的银行。
And so already then, and this ties into next, already then in my head, was thinking, have to build a bank that has a core operating system that is a blockchain.
当然。
Sure.
因为即使是Signature银行，而且现在几乎所有传统金融和加密货币的合作都是这样，基本上就是把纸贴在纸板箱上。
Because even Signature even Signature, and it's true now of virtually every TradFi crypto partnership, is essentially like stapling paper to a cardboard, container.
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你知道，这就像衬衫上贴标签一样。
You know, it's like the what you get with shirts or something.
对。
Yeah.
你知道，你可以把纸钉在纸板上，但效果不太好。
You know, you can staple paper to cardboard, but it doesn't work so well.
它真的很脆弱。
It's really fragile.
所以那时候我就在想，而且，再说一次，这是NeXT的一个巨大前兆，尽管我当时并没有想到，就是让我去构建一个以区块链为核心操作系统的银行。
So already then, I'm thinking, and, again, a a huge precursor to NeXT, even though I didn't have it in mind at the time, was me to build a core operating system that is a blockchain.
它会灵活得多。
It will be so much more flexible.
它会适应性强得多。是的。
It'll be so much more adaptable Yep.
对客户来说，你知道，不是那种需要你做不自然操作才能用的API，而是那种可编程的API，对，就是这样。
To clients, you know, not APIs where you have to, you know, do unnatural acts to make them work, but APIs that Are programmatic and that that yeah.
就像手和手套一样贴合，而不是像硬要把手塞进方形的洞里那样别扭。
That just you know, it's it's like a hand in a glove as opposed to, again, trying to get your hand in a, you know, in a square peg.
对。
Yeah.
所以，是的，我绝对是个早期……
And so, yeah, that's I was I was definitely an early
我很好奇，在那个时候，你知道加密货币圈里人人都懂的部分准备金制度吗？
And and and I'm curious if if at this point, did you know, everybody who's in crypto kinda knows the concept of fractional reserve banking.
对吧？
Right?
大家一开始接触比特币，都是因为觉得它是一种不靠部分准备金支撑的资产，也不是那种债务体系——比如我存100美元到银行，银行就拿去贷出90或99美元，只留1美元在库里。
Everybody kinda gets in first through Bitcoin because they're like, oh, it's, you know, it's an asset that's not backed by, you know, fractional reserves, and it's not a debt based system whereby if I put a $100 in the bank, they're gonna go lend out $90 or $99 and keep one of my dollars in there.
据我对Next银行的了解，你们不做部分准备金。
And as far as I understand about Next, your bank, you don't do fractional reserves.
你们做全额准备金。
You do full reserves.
那这个说法，第一，准确吗？第二，它是不是区块链天然就支持的？
And is that something that a, is an accurate statement and b, is inherently enabled by blockchain?
是的。
Yes.
对，两个都是。
And yes and yes.
好。
Okay.
首先，加密货币入门，银行业入门，每个上过第一堂经济学课的人都会学到货币创造。借短贷长。
So first of all, crypto one zero one, banking one zero one, everybody who took first economics class learns about money creation Borrow shortens is long.
还不止这些。
Not even that.
我在银行存了10美元。
I put in $10 in the bank.
你也在银行存了10美元。
You put in $10 in the bank.
你的制片人也往银行存了10美元。
Your producer puts $10 in bank.
那两个人，在酒吧的那两个，也各存了10美元。
Those two people put in $10 in the bank who are at the bar.
他们自己都不知道，但我们都以为自己的10美元还在银行里。
They don't even know it, but we all think that our $10 is in the bank.
实际上，40美元已经被贷出去了。
In reality, 40 has been lent out.
对。
Right.
其实比这更糟，不只是期限错配的问题。你知道，如果所有人都打电话说要取钱，那钱根本不够。
It's not even it's worse than lend long and and and, you know, for a deposit is that if everybody calls up and says they want their money, well, it's not all their money.
这些钱被贷出去了，贷给了酒庄，就是Out East那边的酒庄，或者贷给了这栋楼，或者贷给了证券，反正钱不在那儿。
It's being lent to it's being lent against the wine the wine library here at the Out East, or it's being lent against this building, or it's being lent against securities, or it's being it's not there.
这些钱被贷出去买了房子，那种30年期的按揭贷款。
It's being lent to get a a house that's got a thirty year mortgage.
所以本质上这笔钱是不存在的，这意味着每个实行部分准备金制度的银行都需要一个最后贷款人。
So it's essentially not there, which means every fractional bank needs a lender of last resort.
对。
Right.
但问题是，人们不明白这一点。
And here's the thing that people don't get.
当你需要最后贷款人和保险机构时，你实际上是在赋予、是在授权，甚至几乎是在乞求“扼喉行动”1.0、2.0和3.0的出现，因为你基本上把整个银行体系交到了监管者手中。
When you need a lender of last resort and you need an insurer, you enable, you empower, You actually almost beg for Choke Point, one point o's, two point o's, and three point o's because you give the you put essentially the entire banking system into the hands of those who regulate.
是的。
Yep.
如果你是监管者，你不喜欢银行给那边那个人或那个行业放贷，你只需要说，你知道，你有一家很好的银行，但你借钱给了那边的乔或简。
If you're a regulator and you don't like the fact that, that the bank made a loan to that person over there, that industry over there, all you have to do is say, you know, you have a really nice bank, and, you know, you're lending money to, you know, Joe or Jane over there.
我们认为他们存在声誉问题。
We think they have reputational issues.
你可能不觉得他们有什么声誉问题。
You may not think they have reputational issues.
我们认为他们存在声誉问题。
We think they have reputational issues.
现在，我们正在审查你的贷款组合，还有其他很多事情。
Now, the way, we're working on we're looking at your loan portfolio, looking at a lot of other stuff.
我们有没有提到乔和简存在声誉问题？
Did we mention by the fact that Joe and Jane have reputational issues?
这样一来，银行每天能否开门营业，实际上完全取决于监管机构，因为没有存款保险，没有最后贷款人，美国任何一家银行都无法生存。
And, you essentially are in the state where you the decision of whether the bank opens every day is in the hands of the regulator because without deposit insurance, without a lender of last year, no bank in The United States can exist.
对。
Right.
你有FDIC提供保险。
You've got the f d FDIC for the insurance.
你有美联储作为最后贷款人。
You've got the Federal Reserve as the lender of last resort.
你有OCC作为货币监理署。
You've got the OCC as the controller of the currency.
所以现在唯一的例外就是如果你有全额准备金。
So now the exception to that is if you have full reserve.
因为如果你是一家全额准备金的银行，你就不需要存款保险。
Because if you're a full reserve bank You don't need insurance with the money.
保险，因为我们做了两件事。
Insurance because what we've done so two things.
哇。
Wow.
我们做的是，那五个人把钱存到我们这里。
What we've done is those five you deposit the money with us.
另外四个人也把钱存到我们这里。
The other four people deposit the money with us.
我们把所有的钱都收起来。
We take all that money.
我们把这些钱投到美国短期国债上，不是回购协议。
We put it in US short US Treasuries, not repo.
我们比货币市场基金要保守得多。
We're we're much more conservative than a money market fund.
好。
K.
不做回购。
No repo.
除了政府短期直接债务，其他什么都不碰，你知道，就是那种一个月左右的政府债务，或者更短。
No nothing other short direct obligations of the government, you know, sort of one month ish obligations to the government or less.
那这些的收益率呢？
And those yield?
不是很高，
Not a
因为这是最安全的，当然。
lot because it's the safest Sure.
你知道，风险最低。
You know, least risk
但是，它是不是就像美联储的EFFR，联邦基金利率那样？
But is it, like, where the fed the EFFR, the federal funds rate?
可能会更低。
Could be less
可能会比那个还低，因为那些工具本身也有一点风险。对。
Could be less than that because there's a little bit of risk in in those instruments too Yeah.
因为它们要经过一层中介。
Because they're passing through a layer.
这些只是我们保管的美国政府的直接工具，我们有保管收据。
These are just direct instruments of the US government that we keep in custody, that we have a safekeeping receipt.
所以即使那些全球系统重要性银行倒闭了，我们仍然有那个QSIP的收据，可以直接交给政府换取美元。
So even if the GSIBs go under, we still have a receipt on that QSIP and can give it directly to the government and get dollars.
哇。
Wow.
那么，是什么让一个银行成为完全储备银行，又是什么让我们和世界上其他银行不同呢？这里有一个非常关键的点，也是为什么我从读到中本聪的第一篇论文那一刻起，就觉得我们必须用美元来做这件事，我们差不多做到了，现在我们已经做到了。
So what makes a full reserve bank and what makes us different than every other bank in the world and here's just, like, such a critical point and why I I really was, from the moment I read Satoshi's first paper, I thought we gotta do this with the dollar, and we sort of and now we have.
对。
Yeah.
中本聪说过他不喜欢银行体系。
Is it Satoshi said he didn't like the banking system.
这源于2007、2008年的危机，因为大家都在传递付款承诺。
It came out of two thousand seven, two thousand eight crisis because you were passing along promises to pay.
没错。
Right.
承诺中的承诺中的承诺。
Promises of a promise of a promise.
就像一条链条。
It was a daisy chain.
全都交织在一起，全都相互关联。
All intertwined, all interconnected.
他想做的是说，看，这个东西。
What he wanted to do is say, here's this thing.
它可能存在于网络空间，但它是一种商品。
It may be a it may be a a a thing that exists on cyberspace, but it is a commodity.
它是一个实实在在的东西。
It is a thing.
我正在使用它。
I'm using it.
我们把它定义得尽可能宽泛一些。
We were a thing just to make it, you know, as broad as possible.
然后你把它转移给我。
And you transfer it to me.
一旦你转移给我，它就不可更改了。
Once you transfer it to me, it is immutable.
对。
Yep.
可以证明你拥有它。
Provably, you own it.
我不拥有它。
I don't own it.
你不再拥有它了。
You don't own it anymore.
没有承诺要付款。
There's no promise to pay.
我们做到了。
We did it.
完成了。
It's done.
没有人能拿走它。
Nobody can take it.
没有副本。
There's no copies.
对。
Right.
没有副本。
There's no copies.
所以我们跟美元彻底脱钩了，意思是我们把所有东西都撤出来了。
So we've done with the dollar is essentially we've said, we're taking everything out.
所以这些桥接和互操作性什么的，你就把它想成是复杂度。
So all these bridges and whenever you're interoperability, just think complexity.
我们把复杂度给消除了。
We've eliminated the complexity.
这里是那笔美元，就是美
Here's the dollars, the U.
元。
S.
一边是财政部直接承担的债务
Treasury's direct obligations on one side.
另一边就是对应这笔债务的数字化凭证
Here's the digital representation of that on the other side.
当然。
Sure.
然后我们说，好的。
And we're saying, okay.
现在你把一美元转给了我。
Now you moved a dollar to me.
布莱斯把一美元转给了TiVo，或者布莱斯把一美元转给了我。
Bryce moved a dollar to TiVo, or Bryce moved a dollar to me.
就这样。
That's it.
完事了。
You're done.
这是不可更改的。
It's immutable.
你之前拥有它。
You used to own it.
恭喜。
Congratulations.
现在归我了。
I own it.
恭喜。
Congratulations.
这就像交易，你知道，传递乔治·华盛顿的头像，如果你愿意的话。
It's like trading, you know, passing George Washington's, if you will
对。
Yeah.
继续。
Along.
你的银行在这笔交易中赚钱吗？
Does does your bank make money on that transaction?
因为如果不是靠净利息收入，你用客户存款放贷，你怎么维持运营呢？
Because how do you keep the lights on if it wasn't for that net interest income where you're doing all the lending with customer deposits?
这个问题问得非常好，因为我们本质上就是一家低利润的企业。
So that's an excellent question because we are definitionally a low margin business.
低利润企业。
Low margin business.
我们是低利润企业，所以我们需要量。
We're a low margin business that we need volume.
量。
Volume.
这就是为什么我们从B2B开始，因为我们需要更大的交易。
And that's why we started with b two b because we need bigger transactions.
如果我们那样做，我们会在电费上亏钱，你知道，到处，每个地方都是。
You cannot make we would lose money on the electricity if we did that, you know, for a you know, everywhere, every place.
对。
Yep.
所以我们需要，你知道，规模可观的交易，但如果你转账500万美元，你没有FDIC保险。
So we need, you know, serious sized transactions, but we are made if you're in transferring $5,000,000, you don't have FDIC insurance.
当然。
Sure.
跟我们合作，你实际上拥有比FDIC保险更优越的东西，因为这里没有政治风险。
With us, you have actually something that's superior to FDIC insurance because there's no political asset.
真货，正品？
The real deal, the real McCoy?
它们就是纯粹的国债。
They're just pure treasuries.
所以这对我们来说至关重要。
So that's critical to us.
另外，如果这能行得通，资本市场上那些高收益的部分，人们在那里放贷，你根本不知道你存钱的时候，钱已经借给了这里的葡萄酒图书馆。是的。
Plus, if this works, the high yielding part of the capital markets where people are making loans that you have no idea you've lent to the wine library here, when you made your deposit Yeah.
那些人应该获得更高的收益。
Those people should earn higher yields.
我们想把他们放到我们的平台上，虽然我们还没做到，但我们已经跟一个愿意从我们平台放贷的人谈过了。
And we wanna put them on our platform, and we've already we haven't done it yet, but we already even talked to one who would make loans from our platform.
可以是五分钟、五小时、五天、五年，但你在平台上操作，转移的是不可篡改的美元。
They could be for five minutes, five hours, five days, five years, but you do it on the plat you do it on the platform transferring immutable dollars.
对。
Mhmm.
那些出钱的人，他们应该获得更高的利差。
The bod the people who put the money up, they deserve the higher spread.
他们不是，我们不是承担那个风险的人。
They're not they we're not taking that risk.
是的。
Yeah.
但银行业的问题在于你把很多东西混为一谈，这是我作为银行业书呆子学到的。
But the problem with banking is you conflate, and this is what I learned, you know, being a banking nerd.
你把太多东西混进你的基础里。
You conflate so many things into bully your base.
你把支付混在一起，当人们说活期存款或支付时，实际上就是贷款的免费融资。
You conflate payments, which essentially when people say demand deposits or payments, think free financing for loans.
然后你还有那些，你知道，你整个资本结构的其余部分都是借款人。
Then you you have people who are you know, you have a whole rest of your capital structure with borrowers.
我们不借钱。
We borrow no money.
哇。
Wow.
我们也不放贷。
We lend no money.
记住，我们完全不想碰那些。
Remember, we want nothing To do with that.
把美元从美元的流动中剥离出来。
Disintermediate the dollar from the movement to the dollar.
对。
Right.
所有那些东西都能做到这一点。
All those things do that.
所以银行业在资产负债表的另一边，持有的是安全资产，比如国债。
So the banking industry has, on the other side of the balance sheet, safe assets, treasuries.
它持有长期资产，也就是长期国债。
It has long assets, long term treasuries.
它也有风险资产。
It has risky assets.
这是短期的，你根本不知道。
It's a short term you don't know.
你真的完全不知道。
You just literally don't know.
你只能信任第三方说没问题，而正因为如此，如果那个第三方因为任何原因不喜欢，你知道，他们做的那些事，或者你知道，他们不喜欢你的穿着品味。
You're trusting a third party to say that's okay, and which is why if that third party says just because for any reason they don't like the, you know, the the the the, you know, whatever they're doing or what you know, they don't like their fashion choices.
对。
Yeah.
他们完全有权说，哦，你知道，你不安全也不稳健，因为我们不喜欢你戴黄色领带。
They have complete power to say, oh, you know, you're unsafe and unsound because we don't like the fact that you wear yellow ties.
我脑子里突然冒出一个想法，你做的事情显然是革命性的。
It it seems to me that the thought that just came to my head is that what you're doing is is obviously revolutionary.
是的。
Yes.
但这几乎就像马丁·路德的革命性地位，他进来搞了整场新教改革，他说，你看，一个群体是这样做的。
But it's almost like Martin Luther's status of revolutionary where he came in and did the whole protestant reformation where he said, this is how, you know, one group does it.
我们要借鉴那个，但把它颠倒过来，做点别的。
We're gonna take that but kinda flip it on its head and do something else.
而你呢，就像你说的，你以前是个银行迷。
Whereas you like you said, you were a banking nerd.
你过去创办过部分准备金银行。
You started fractional reserve banks in the past.
对。
Yep.
而你如今，就像你说的，变成了一个传道者。
And you you've kind of become now an event you said evangelist.
这让我想到了区块链。
That's what kinda made me think of it for blockchain.
如果让你总结一下，你以前对银行的一个看法，通过你的经历和你现在做的事情，你不再相信的是什么？
And what is it like one thing if you had to boil it down, something that you used to believe about banking that through your experiences and what you're building now, you no longer believe?
一开始，我没觉得银行本质上是政治工具。
So in the beginning, I didn't think banks were essentially political mechanisms.
你以前不觉得它们是……我确实没觉得。
You did not think they were I did not think.
在你看来，它们是政治工具。
And they are political in your view, they're political mechanisms.
我们有证据。
We had the proof text.
对。
Yeah.
我是说，我们有过“扼喉行动1.0”。
I mean, we had Choke Point one point o.
我们经历了“扼杀点2.0”、“扼杀点3.0”，当然还有对签名银行的接管，那完全是错误的。是的。
We had Choke Point two point o, three point o, and, of course, the seizure of Signature, which was wrong Yeah.
那是不公正的，根本不应该发生。
Unjust and never should have happened.
对。
Yeah.
现在回头看，因为那是上一届政府做的事。
And now looking back, because that was the prior administration.
对。
Yeah.
现任政府有没有对其中任何错误行为发表评论，承认那是错误的，并向你们提供任何补偿？
Has the current administration commented on any of those wrongdoings and said that was wrong and and offered you any amends?
或者说，你知道，我非常相信要向前看。
Or So, you know, I'm a big believer in you go forward.
就得继续前进。
Just gotta keep moving.
你得继续往前走。
You gotta keep moving forward.
我是说，我觉得从这些经历中学到了很多，我相信我确实学到了很多。
I mean, what I think you learn from everything, I believe I've learned a lot.
对。
Yeah.
我知道我学到了很多。
I know I've learned a lot.
有些经历，如果我脱掉衬衫，你能看到伤疤。
Some of it, if I took off my shirt, you could see the scars.
所以我会说，这届政府并没有把这件事当作优先事项。
So I would say that hasn't been this administration's priority.
我觉得人们低估的是，而且这跟你的问题相关，就是2029年1月20日总有一天会到来。
I think what people under index is and and this is relevant to your question, is 01/20/2029 will come one day?
是的。
Yeah.
我有了新总统。
I got a new president.
一切从头开始。
Start all over.
你的生活在政治方面可能会改变，所以我坚信银行实际上应该有一个革命性的想法，银行不应该政治化。
You Life can change in terms of the political side, So I'm a believer that banks should actually revolutionary thought, banks should not be banks should not be political.
它们只需要确保你的钱能安全地转到对方手里，你不用担心。
They should just make sure that your money gets to the other person's money, and you don't have to worry about it.
我认为不应该有任何政治介入。
And I don't think there should be any politics involved.
过去确实有很深的政治介入，是的。
The fact that they were deep politics involved in the past Yeah.
不幸的是，从2012年左右开始，甚至可能更早一点，我认为这对金融体系来说是一个重大悲剧。
In in you know, unfortunately, starting in, like, 2012, maybe even a little before, I think was a major I think it was a tragedy for the financial system.
是的。
Yeah.
我现在要做的就是，听我说。
And what I'm here to do now look.
我本来可以去做别的事情。
I could be doing something else.
我其实可以就待在那儿品品酒，但我真的，真的——虽然这个词用得太多了——但我就是觉得，从个人角度来说，如果我和我的联合创始人，我得特别感谢我的合伙人杰弗里·华莱士、凯尔·奥唐纳、阿雷尔·邦内尔，还有我们超棒的团队。
I could actually be just hanging out and and tasting those wines, but I'm really, really I mean, using this overused passion, but I just think that if on a personal level, if my cofounders and I and I I just have to give them a shout out to Jeffrey Wallace, my partner, Kyle O'Donnell, my partner, Arel Bonnell, my partner, and a fantastic team.
我们都全心全意地致力于把这场革命带给全世界。
We are so totally dedicated to bringing this revolution to the world.
如果我们做到了，金融世界会变得更好。
And if we do, it's gonna be a better financial world.
是的。
Yeah.
我的意思是，更安全、更稳健。
I mean More safe, more sound.
更安全、更稳健，而且不会再有人在不该拿的地方拿巨额利润。
More safe, more sound, and there won't be people taking huge margins where they shouldn't be.
对。
Yeah.
就是那种
Where there's just
除了贪婪，真的没有别的理由。
There's just no good reason to other than greed.
完全没有道理。
No justification for it.
所以人们看标普500，会发现金融板块的占比在增长。
So people look at the S and P 500 and see that the, percentage of the financial sector has grown.
其实我觉得，如果我们成功了，金融板块的市值反而会缩小，因为资金应该流向更有社会价值的领域，而不是让一群人待在房间里，你知道，剪剪票、点点鼠标。
Actually, I think if we're successful, the financial sector market cap would shrink because it should go to more valuable social goods than people in rooms, you know, collecting clipping clipping Clicking coupons.
因为那些钱本来就不是他们的。
Because money is passing by that's not theirs.
对。
Yeah.
这个观点真独特，因为我本来想问的一个问题，你刚好回答了，就是关于成功的关键指标。但你这个答案很棒，就是说金融服务行业的市值占比应该下降，而不是上升。
What what a unique standpoint that because one of the questions I was gonna ask, but you just answered is, like, you know, some of the key metrics of success, but that's a great one is, like, the financial services industry should be losing market cap dominance as opposed to growing.
斯科特，今天聊得真棒。
Look, Scott, this has been awesome.
大家怎么才能了解更多关于你的信息呢？
Where where can people find out more about you?
但更重要的是，你接下来的计划是什么？
But more importantly, what's next for next?
太好了。
Great.
搞定。
Badaboom.
搞定。
Badaboom.
所以有几件事要说。
So couple of things.
首先，让我说说下一步的计划。
First, let me start what's next for next.
是的。
Yes.
这个我真的很兴奋。
And this I'm really excited about.
我们之前没提到这个。
We didn't touch upon it.
所以，我们创立银行的时候，所有银行内的交易都是即时完成的。
But so right so we started the bank when we launched all transactions within the bank.
好的。
Okay.
你知道，你刚转了钱。
So, you know, you just transferred money.
它以电子的速度完成，而且你可以免费进行出色的支付。
It did you do the at the speed of at the speed of of electrons, and you could do fantastic payments Free.
比Signet好十倍，更快、更稳定、更漂亮。
10 x better than, and faster, more robust, and prettier than Signet ever was.
但现在我们做的是，把转账功能搬到了公共以太坊区块链上。
But what we've done now is we've moved the ability to transfer money onto the public Ethereum blockchain.
啊。
Ah.
所以这意味着，如果……那太酷了。
So that means that if That's cool.
非常非常酷，因为如果你想给TIMO转账，并且想让别人知道，那就能被看到。
Very, very cool because if you wanna transfer money to TIMO and you want other people to know that, then it can be seen.
所以当我们谈论彻底改变金融体系时，这很有价值。
So this would be valuable when I'm talking when we're talking about revolutionizing the financial system.
这意味着，如果你是首批品牌，有人借给你钱，我之前提到过借贷，那么贷方实际上可以看到你已经还了款。
This means that if you're first brands and someone's lent you money, I was talking about lending, you can actually see the lenders can see that you paid your counterparty.
是的。
Yeah.
而现在，他们只是相信你的话，或者接受伪造的陈述。
Whereas right now, they're just taking your word for it or accepting falsified statements.
对。
Right.
所以这带来了全新的透明度。
So this be brings a whole new level of transparency.
所以我们把NDD，也就是下一代数字美元，放到了以太坊区块链上。
So we put NDD, next digital dollar, out on the Ethereum blockchain.
我们计划用它做更多的事情。
We're planning to do more with it.
我对此非常兴奋，因为最终，我们的愿景是尽可能广泛地推广它。
I'm really excited about it because, ultimately ultimately, our vision is to get this as far out as we can.
是的。
Yeah.
这就是我们正在做的一些事情。
And that's what's, you know, that's that's, some of the things we're working on.
关于找到我们、加入我们，我们真的尽量让它变得简单，不过我们仍然是一家受监管的银行，所以，你知道，我们必须对账户持有人进行KYC和KYCB，但你只需要去我们的网站n3xt.io，嗯。
In terms of finding us, joining us, we've really tried to make it as easy as we're still a regulated bank, so, you know, we have to do KYC, KYCB for, account holders, but you just can go on our site, n3xt.io Mhmm.
然后你可以点击。
And you can click.
你可以了解我们。
You can read about us.
我们有大量的信息，但你可以把你的钱放在最安全的地方。
We have a whole, you know, information, but you can put your money in the safest place possible.
真的，我相信这比GSIP更安全。
Really, I believe it's safer than a G Sip.
是的。
Yep.
你只需点击开户。
You just click to open your account.
现在，再说一遍，是B2B，所以你需要有TIN，而不是社会安全号码。
Any right now, again, b two b, so you've gotta have a TIN, not an e not a Social Security number.
好的。
Okay.
然后你可以在X上关注我们，账号是N3XT Inc。
And then you can follow us on N3XT Inc on x.
太好了。
Love it.
你也可以在领英上关注我们。
You can follow us on LinkedIn.
你可以在领英上关注我。
You can follow me on LinkedIn.
我偶尔会写点东西。
I, you know, write a little bit occasionally.
刚写了一篇关于Swift的文章。
Just wrote something about Swift.
很好。
Great.
那下次C-SPAN国会听证会上见。
So Catch you on the next C SPAN congressional hearing.
其实我最近上过C-SPAN，不过不是为了那个，我是给巴尼·弗兰克致悼词，哦，其实我早就知道这事了。
Well, I was on C SPAN, but just recently, but not for a I was gave a eulogy for Barney Frank, oh, who, actually, I was I was already aware this with.
对。
Yeah.
所以C-SPAN刚发布了，哇。
So I just literally, Stand C Stand posted Wow.
发布了。
Posted.
那是个完整的活动，当然我不是唯一的演讲者，但我确实上了C-SPAN。
It was a whole, and I wasn't the only speaker, obviously, but I was just on C Stand.
太棒了。
Awesome.
是的。
Yeah.
所以，总之，别把话题留在那个悼词上。
So, anyway, not to leave it on a notable eulogy.
我想留在一个我们真的会蓬勃发展的点上，我真的很兴奋能把这件事带到世界上来。
I wanna leave it on a note that we're really gonna, you know, flourish, and I'm really, really excited to bring this into the world.
我，我，我，还有团队，几乎都为接下来的团队兴奋得不行。
I I I and the team is almost bubbling over all of the next team.
我真希望我能传达那种感觉，就是每个人都像咬着刀一样，充满斗志。
I wish I could convey that, that they just everybody has, you know, sort of the knife in the teeth.
太棒了。
Love it.
太棒了。
Love it.
斯科特，非常感谢你加入我们。
Scott, thank you so much for joining us here.
谢谢你配合场地安排。
Thanks for being flexible with the venue.
这是我的荣幸。
It was a pleasure.
我们玩得很开心。
We had a lot of fun.
大家敬请期待。
Everybody stay tuned.
我们马上还会有更多精彩的嘉宾到来。
We're gonna have some more great guests coming up just shortly.
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