499Block加油站第63期|Wirex-OK Jumpstat第四期项目大起底——你的第一张数字货币银行卡

2019年10月24日 02:19

摘 要

“Wirex是世界上第一家发行非接触式Wirex Visa卡的公司,用户可以在日常生活中即时转换和消费加密货币”

《加油站》63期访谈实录:

-Guest info-

Martin Lamming

CMO of Wirex  首席营销官—全球营销专家,从事市场营销超过19年。在发现战略机遇并将其转化为以收入为驱动的营销活动方面,马丁有着良好的行业成绩。他于2018年6月加入Wirex,负责在全球范围内拓展业务和品牌。他在伦敦、新加坡、日本和加拿大领导着一个由20多名专业营销人员组成的团队。马丁负责在全球建立营销团队,并为每个地区制定战略。他拥有扎实的金融服务初创企业背景,包括Smart Currency Exchange和领先的全球外汇经纪商FXTM。



孙祯妮:Welcome to 499 Block, here are 499 excellent ladies who work in Blockchain industry。我先给大家分享一下好看Wirex Visa 卡,实体卡真的超好看,薄荷绿带珠光。



Martin Lamming:Good morning everyone. Thank you for inviting me. 

Hi girls very kind words. Its nice to meet you all.


孙祯妮:第一次做主持人,我也有点紧张。我先来用中文介绍一下Wirex这个项目和Martin本人。然后会向Martin双语提问,Martin回答英文,我再给大家翻译成中文。

群里小姐姐们英语都很好,有什么翻译不当的,请指正呢!


那我就开始喽,先介绍一下Wirex:


Wirex是一家总部位于英国、拥有FCA电子支付牌照的全球领先的个人和企业数字货币解决方案提供商。Wirex的支付平台开创了加密货币与传统法定货币的兑换服务,支持多种货币账户、货币转账和兑换服务。Wirex在全球拥有近200万注册用户,分布在130个国家和地区。

Wirex平台目前支持9种加密货币(比特币、莱特币、XRP、以太币、Lumens、Waves、Wollo、DAI、NANO)和11个传统货币账户(包括英镑、欧元、美元、港币、澳元、加元、瑞士法郎、捷克克朗),并且正在酝酿增加一批新的加密货币和法定法币。

Wirex是世界上第一家发行非接触式Wirex Visa卡的公司,用户可以在日常生活中即时转换和消费加密货币。该平台为加密货币和法定货币交易所提供不受限制的场外交易。

WXT是Wirex平台基于Staller公链上发行的代币,广泛用于Wirex平台内外,代表一个Wirex平台内的网络手续费和奖励单位。WXT可以使我们不断增长的B2C和B2B用户社区受益。WXT的持有者可以节省网络费用,并获得独特的财务回报。


它的使用方法就像刚刚展示的。手机上装有Wirex的APP, 将数字货币存在Wirex APP中(你可以理解为是一个数字货币钱包),配合Wirex和VISA联合发行的借记卡,消费的时候将钱包中的数字货币在APP中在线转换成法币,比如美元,英镑,欧元,港币等等,就可以直接在可使用VISA通道清算的POS机上刷卡消费啦!

我们给群里大部分的小姐姐还准备了定制Wirex卡面的海报,稍后直播结束后会给大家展示。


一个OK交易所的小哥哥说,Martin的眼睛里享有一片海洋,他沉醉在Martin的眼睛里。

 

Martin Lamming:I like this group already.  I am sure, everyone seems nice

 

孙祯妮:No one don't love this group! Let's start our AMA 

第一个问题:为什么会进入区块链领域创业呢?

1, Why do you choose to enter the blockchain field entrepreneurship?

 

Martin Lamming:Technology is developing very quickly. It is no surprise that many entrepreneurs are entering the blockchain and fintech arena as the industry has huge potential, not just in relation to digital money and cryptocurrencies, but also in utilising blockchain technology, which has the potential to revoluntionise industries from retail, to property, to healthcare and so on.


We saw the potential in blockchain to revolutionise the financial services sector which is rapidly becoming out of touch with the needs of consumers and businesses. The payment and banking sector has not changed in decades, and technically, it is more efficient to send your money in an envelope by Fedex around the world than it is to make the payment with your bank. This is not satisfactory in 2019, which is why we were one of the first fintech company to integrate blockchain technology and cryptocurrencies with traditional banking infrastructure to bridge the gap between the two ecosystems for the benefit of the masses. 


The biggest challenge that needs to be overcome in this space, is security of funds and being able to navigate regulatory frameworks around the world. Wirex takes this very seriously, which is why we are one of only three crypto friendly companies in the world to be awarded an FCA e-money licence.


如今技术发展迅猛。许多企业家都进入了区块链和fintech等领域行业,因为他们看到了其巨大的潜力,不仅关系到数字货币和加密货币,而且他们也在应用区块链技术。而区块链对于它有潜力零售行业,房地产、医疗等有着革命般的潜力。


我们看到了区块链的潜力,它将彻底改变金融服务行业,该行业正迅速脱离消费者和企业的需求。支付和银行业几十年来都没有改变,从技术上讲,用联邦快递(Fedex)把钱装在信封里寄到世界各地,比用银行转账更有效率。都2019年了,这十分让人失望。(皇家小翻译备注:都9102年了,银行转账还这么慢)。这就是为什么我们是第一个将区块链技术和加密货币与传统银行基础设施结合起来的金融科技公司之一,以弥合这两个生态系统之间的鸿沟,造福大众。


在这个领域,需要克服的最大挑战是资金的安全性,以及能够符合全球监管。Wirex非常重视这一点,这也是为什么我们是世界上仅有的三家获得FCA电子货币许可证的加密货币公司之一。(皇家小翻译:另外两家是Coinbase, Circle,都是全球知名区块链企业)


孙祯妮:第二个问题:Wirex能够对人生的生活产生哪些便利呢?

2,What convenience can Wirex bring to life?

 

Martin Lamming:Part of Wirex's mission is to give people and businesses control over their money and allow them to utilise all forms of currency. Our solutions are a quicker, cheaper, more flexible and more scalable alternative to existing banking and payment infrastructure. We don't believe that payments should wait up to a week to reach their intended destination with high costs and poor exchange rates as often imposed by traditional banks. We believe that this should be instant, with minimal fees and no barriers to entry. This is why we do not restrict access to the best exchange rates and offer OTC and interbank rates to every Wirex customer, regardless of the amount. Money can be sent via cryptocurrency or stablecoins that minimise market volatility, or users can use traditional money and existing banking infrastructure. The choice is theirs.


The other major convenience is being able to offboard cryptocurrencies and use them in everyday life. The ability to convert crypto into fiat and withdraw, spend or transfer it, has traditionally been a long, expensive and restrictive process. Wirex solves this problem.


Wirex的其中一个使命是让人们和企业真正管控他们的资金,并允许他们使用所有形式的货币。我们的解决方案比现有的银行和支付基础设施更快、更便宜、更灵活、更可扩展。我们认为,传统银行通常会实施高成本、高汇率的付款方式,但我们不认为人们需要等待整整一周才收到汇款。我们认为,这应该是即时,费用最低,而且没有进入壁垒。这就是为什么我们不限制最佳汇率,并向每一位Wirex客户提供场外交易和银行间利率,并且不管这笔汇款的金额是多少。资金可以通过加密货币或稳定币进行转账,从而将市场波动降至最低,用户也可以使用传统货币和现有的银行基础设施。选择权在他们自己手中。


另一个主要的便利是能够在日常生活中使用加密货币。现在,将加密货币转换为发币,并提取、使用或转账是一个漫长、昂贵和受限制的过程。Wirex解决了这个问题。皇家小翻译备注:我觉得Wirex的核心愿景是让未来的支付快捷,低手续费,安全,让数字货币可以通行全世界。


孙祯妮:下一个是大家最关心问题:

第三个问题:中国用户目前可以申请使用Wirex吗?

3,Can Chinese users apply for Wirex now?

 

Martin Lamming:At the moment, a wide range of countries can benefit from various aspects of the Wirex platform. Due to local regulatory requirements, available features vary by territory. In the SE Asia region, our account services are available in Singapore, Hong Kong, Taiwan, South Korea, Thailand, Vietnam and Australia. We will be launching the multicurrency Wirex Visa card in a couple of months in a staggered roll out that initially concentrates on Hong Kong, Singapore, Taiwan, South Korea and Australia during the first phase. We are very excited about this as we will be able to offer these countries more products and services than anyone else in this region.


We will be looking to integrate other payment systems into Wirex in the near future.


目前,许多国家都可以Wirex平台的各个方面获益。由于当地法规的要求,可以获得的Wirex服务因地区而异。在东南亚地区,我们的账户服务遍及新加坡、香港、台湾、韩国、泰国、越南和澳大利亚。我们将在几个月内分阶段逐步推出推出多币种Wirex Visa卡,并且第一阶段主要集中向香港、新加坡、台湾、韩国和澳大利亚推广。我们对此感到非常兴奋,因为我们将能够向这些国家提供比本地服务商更多的产品和服务。


皇家小翻译备注:目前中国人暂时还不能直接申请,如果你有欧盟地区的住址或者居住证就可以申请哦。本皇家翻译有个朋友目前住在中国,但是他之前有英国的住址,就可以申请Wirex的VISA,可以在全球所有接收VISA卡的都可以使用.


在不久的将来,我们会把其他的支付系统集成到Wirex里面来.


孙祯妮:第四个问题:未来有计划上架更多数字货币和法币吗?

4,Are there plans to list more digital and fiat currencies in the future?

 

Martin Lamming:We are continually looking for ways to improve Wirex and its services for our customers. Part of this involves incorporating new and exciting tokens and currencies, as evidenced by our recent partnership with Stellar. We see the addition of new digital and traditional currencies as an integral part of the movement towards a wider token-based economy – hence the integration of novel cryptocurrencies like Nano and the DAI stablecoin.


The next major digital currency release will be the launch of 26 fiat-backed Wirex Stablecoins, built on the Stellar network. Stablecoins are seen by many as the future of digital currency, particularly for the purpose of swift, low-cost international remittance – releasing our own will revolutionise the way our customers move their money around. 


我们一直致力于寻找改进Wirex以及完善我们的客户服务,其中就包括纳入新的加密货币和法币,我们最近与Stellar合作所证明了这个行动哦。我们认为,新的数字货币和传统货币的加入,是通证经济发展的一个不可分割的环节——因此,像Nano和DAI 稳定币这样的新型加密货币也将被纳入Wirex的选择范围。


下一个将要发行的数字货币是建立在Stellar网络上,有26个法币在背后支持的Wirex稳定币。稳定币被视为数字货币的未来,尤其是对于快速、低成本的国际汇款而言——发行我们自己的稳定币将彻底改变我们的客户转移资金的方式。


皇家小翻译备注:目前已经有了9个数字货币都是比较主流的币种。后面将加入更多被广泛使用的数字货币

 

孙祯妮:第五个问题:很多用户将Wirex定义为法币交易所,并将WXT当做平台币,你们是如何看待呢?

5,Many users define Wirex as a fiat currency exchange and WXT as a platform token. What do you think?

 

Martin Lamming:We are one of the only platforms to give retail customers access to the OTC and interbank rates for crypto and fiat exchanges – something normally reserved for financial institutions and high-worth investors.

We were the first to offer a debit card that allows our customers to use their cryptocurrency like conventional fiat money, dragging digital currency from a speculative asset to a genuine method of payment.

We introduced the worlds first crypto-rewards programme in which Cryptoback pays out 0.5% in crypto on all in-store purchases made with the Wirex Visa card.


We are one of the few crypto-friendly platform to offer a realistic Business solution, opening a door for the thousands of crypto-friendly businesses that struggle to open conventional bank accounts.

The Wirex Token is more than just a token – it's a tool that allows all of our customers to improve their Wirex experience, whether that’s with discounted fees, super-charged rewards or exclusive merchant offers.


我们是唯一一个向散户客户提供场外交易和银行间利率(用于加密货币和法币交易)的平台,而这通常只为金融机构和高价值投资者提供。高净值的用户提供,我们是全世界第一家提供借记卡的公司,允许我们的客户像使用法币一样使用加密数字货币,将数字货币从一种投机性资产改变到一种真正的支付方式。

我们推出了世界上第一个加密货币奖励计划,在该计划中,Cryptoback对所有使用Wirex Visa卡的消费返现0.5%。


是为数不多提供现实商业解决方案的加密货币平台之一,为成千上万难以在银行开户的企业打开了一扇门。(皇家小翻译备注:还有2B业务)Wirex通证不仅仅是一个通证——它也是一个工具,让我们的客户提高他们使用Wirex的体验,无论是通过打折的费用、额外的奖励还是独家的商家优惠。

皇家小翻译备注:Wirex的WXT代币不止是一个平台币(我认为是比肩与Coinbase的,想想一下如果Coinbase法币平台币的价值,全世界炒币的可能会疯诶),除了平台币的价值,他还有更多的想象空间。

 

孙祯妮:这么好看的VISA卡和小姐姐们很配。



第六个问题:现在的支付体验是怎么样?支付会有延迟吗?如何保证用户资产的安全?

6,What is the payment experience like now? Will there be any delay in payment? How to secure user assets?

 

Martin Lamming:On the 1st of July, WXT will be instantly available for trading on OKEx. This subject OKEx's payment rules. Post 1EO the token will be available to buy through Wirex as well, with no lock-up period. Customer security is our greatest priority. As a result, we have implemented the highest-possible standard of security throughout he Wirex platform.


 Funds are held in multi-signature, cold-storage cryptocurrency accounts.  2-Factor Authentication (2FA) and sophisticated Device Authorisation ensures that only customers have access to their accounts.Wirex is PCI DSS Level 1-certified for the highest standard of payment security. This means that our security measures are regularly tested by external 3rd parties. We're the only European-headquartered crypto friendly company to hold a Financial Conduct Authority (FCA) e-money licence.