Web3(和稳定币)正在推动金融和电商走向真正的互联网化和数字化。
airwallex的jack zhang可能没意识到这一点,他是在现有的市场模式下,用原来的规则对比airwallex和稳定币支付。可能就像当年用报业规则来对比某传统媒体的优化版和互联网媒体。
而当金融和电商真正合二为一了,哪里还有原有的电子系统和银行结算体系呢?当然这还需要较长时间,也会看到两种模式的融合,甚至很多子领域可能是旧有体系主动往前迈会更有优势;但未来应该不是airwallex的模式占主导。
各地牌照加各地的资金池只是优化了原有体系或刻意绕开了swift,其实很重,属于上一代产品的升级版吧。很有价值,也解决现实问题,但对下一代模式持短视的眼光,并不是好的做法。
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