{"id":3408,"date":"2026-09-23T01:35:48","date_gmt":"2026-09-22T17:35:48","guid":{"rendered":"https:\/\/www.yqcsfz.com\/?p=3408"},"modified":"2026-09-23T01:35:48","modified_gmt":"2026-09-22T17:35:48","slug":"%e5%8d%8e%e5%b0%94%e8%a1%97%e5%a5%b3%e7%8b%82%e4%ba%ba%e3%80%81%e4%b8%87%e6%96%af%e7%9a%84%e5%b9%95%e5%83%9a%e5%92%8c%e4%b8%80%e5%ae%b6%e7%99%be%e5%b9%b4%e9%93%b6%e8%a1%8clead-bank","status":"publish","type":"post","link":"https:\/\/www.zaixinjiang.com\/?p=3408","title":{"rendered":"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/static.aicoin.com\/attachment\/article\/20260114\/176836552496483.jpg\"  data-href=\"\" title=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe\" alt=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe\" \/><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/static.aicoin.com\/attachment\/article\/20260114\/176836552577686.jpg\"  data-href=\"\" title=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe1\" alt=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe1\" \/><\/p>\n<blockquote><p>\u6587 | Kaori<\/p><\/blockquote>\n<blockquote><p>\u7f16\u8f91 | Sleep.txt<\/p><\/blockquote>\n<p>\u53bb\u5e74\u5e95\uff0c\u6469\u6839\u5927\u901a\u51bb\u7ed3\u4e86\u4e24\u5bb6 YC \u8d44\u52a9\u7684\u7a33\u5b9a\u5e01\u652f\u4ed8\u521d\u521b\u516c\u53f8 BlindPay \u4e0e Kontigo \u7684\u76f8\u5173\u8d26\u6237\uff0c\u5b83\u4eec\u4e3b\u653b\u62c9\u4e01\u7f8e\u6d32\u5e02\u573a\uff0c\u5374\u56e0\u4e3a\u4e1a\u52a1\u89e6\u53ca\u59d4\u5185\u745e\u62c9\u7b49\u9ad8\u98ce\u9669\u53f8\u6cd5\u8f96\u533a\u800c\u89e6\u53d1\u94f6\u884c\u7684\u5236\u88c1\u4e0e\u5408\u89c4\u7ea2\u7ebf\u3002<\/p>\n<p>\u65e0\u72ec\u6709\u5076\uff0c\u53e6\u4e00\u5bb6\u4e00\u76f4\u88ab\u89c6\u4e3a\u52a0\u5bc6\u53cb\u597d\u7684\u94f6\u884c Lead Bank \u4e5f\u5728\u8fd1\u671f\u6536\u7d27\u4e86\u4e0e\u90e8\u5206\u7a33\u5b9a\u5e01\u652f\u4ed8\u516c\u53f8\u7684\u5408\u4f5c\u670d\u52a1\uff0c\u5e76\u65b0\u589e\u5ba2\u6237\u8eab\u4efd\u5ba1\u6838\uff0c\u4ea4\u6613\u7ed3\u7b97\u65f6\u95f4\u548c\u5f00\u6237\u8017\u65f6\u90fd\u6709\u6240\u5ef6\u957f\u3002<\/p>\n<p>\u5408\u89c4\u6210\u4e3a\u5fc5\u9009\u9879\u540e\uff0c\u8ba9\u8bb8\u591a\u652f\u4ed8\u884c\u4e1a\u3001\u7a33\u5b9a\u5e01\u8d5b\u9053\u7684\u521b\u4e1a\u8005\u610f\u8bc6\u5230\u5f88\u591a\u65f6\u5019\u81ea\u5df1\u5e76\u4e0d\u662f\u5728\u548c\u94f6\u884c\u4f53\u7cfb\u6253\u4ea4\u9053\uff0c\u800c\u53ea\u662f\u548c\u6781\u5c11\u6570\u613f\u610f\u5f00\u95e8\u3001\u4e14\u6709\u80fd\u529b\u6301\u7eed\u5f00\u95e8\u7684\u94f6\u884c\u6253\u4ea4\u9053\u3002<\/p>\n<p>\u4f46 Lead Bank \u548c\u6469\u6839\u5927\u901a\u5e95\u8272\u5e76\u4e0d\u4e00\u6837\uff0c\u4f5c\u4e3a\u9996\u6279\u53c2\u4e0e Visa \u5728 Solana \u94fe\u4e0a\u8fdb\u884c USDC \u7ed3\u7b97\u7684\u4e24\u5bb6\u94f6\u884c\u4e4b\u4e00\uff0cLead Bank \u5e76\u6ca1\u6709\u4e00\u5200\u5207\u9009\u62e9\u4e2d\u65ad\u521d\u521b\u4f01\u4e1a\u7684\u94f6\u884c\u670d\u52a1\u3002\u76f8\u53cd\uff0c\u8fd9\u5bb6\u94f6\u884c\u6b63\u6253\u7b97\u901a\u8fc7\u63d0\u4f9b\u5bf9\u52a0\u5bc6\u4f01\u4e1a\u7684\u539f\u751f\u652f\u6301\u6765\u5b9e\u73b0\u5f2f\u9053\u8d85\u8f66\u3002<\/p>\n<h1>\u82b1\u56ed\u57ce\u94f6\u884c\u7684\u4e16\u7eaa\u6c89\u6d6e<\/h1>\n<p>\u8981\u7406\u89e3 Lead Bank \u7684\u73b0\u5728\uff0c\u5fc5\u987b\u5148\u56de\u5230\u5b83\u7684\u8fc7\u53bb\u3002<\/p>\n<p>1928 \u5e74\uff0c\u5728\u5927\u8427\u6761\u7684\u9634\u4e91\u7b3c\u7f69\u7f8e\u56fd\u4e4b\u524d\uff0c\u4e00\u5bb6\u540d\u4e3a Garden City Bank\uff08\u82b1\u56ed\u57ce\u94f6\u884c\uff09\u7684\u5c0f\u673a\u6784\u5728\u5bc6\u82cf\u91cc\u5dde\u5361\u65af\u53bf\u6210\u7acb\u4e86\u3002<\/p>\n<p>\u90a3\u662f\u4e00\u4e2a\u4f9d\u9760\u63e1\u624b\u6210\u4ea4\u3001\u4ee5\u4fe1\u8a89\u4e3a\u62b5\u62bc\u7684\u65f6\u4ee3\uff0c\u4f5c\u4e3a\u4e00\u5bb6\u5178\u578b\u7684\u793e\u533a\u94f6\u884c\uff0c\u5b83\u7684\u547d\u8fd0\u4e0e\u5468\u56f4\u7684\u519c\u7530\u3001\u7272\u755c\u548c\u5bb6\u65cf\u5c0f\u751f\u610f\u7d27\u5bc6\u76f8\u8fde\u3002\u5728\u968f\u540e\u7684\u51e0\u5341\u5e74\u91cc\uff0c\u5b83\u89c1\u8bc1\u4e86\u7f8e\u56fd\u519c\u4e1a\u7ecf\u6d4e\u7684\u7e41\u8363\u4e0e\u8870\u9000\uff0c\u5e76\u5728 1930 \u5e74\u4ee3\u7684\u5927\u8427\u6761\u4e2d\u5e78\u5b58\u4e0b\u6765\u3002\u8fd9\u662f\u4e00\u4e2a\u5de8\u5927\u7684\u6210\u5c31\uff0c\u56e0\u4e3a\u5f53\u65f6\u5168\u7f8e\u6709\u6570\u5343\u5bb6\u540c\u7c7b\u673a\u6784\u5012\u95ed\u3002<\/p>\n<p>\u6b64\u540e\u7684 77 \u5e74\u91cc\uff0c\u8fd9\u5bb6\u94f6\u884c\u5c31\u50cf\u5b83\u6240\u5728\u7684\u90a3\u4e2a\u540d\u4e3a\u82b1\u56ed\u57ce\u7684\u5c0f\u9547\u4e00\u6837\uff0c\u5b89\u5b89\u9759\u9759\u5730\u4ee5\u6b64\u4e3a\u751f\u3002<\/p>\n<p>2005 \u5e74\uff0c\u82b1\u56ed\u57ce\u94f6\u884c\u8fce\u6765\u4e86\u7b2c\u4e00\u6b21\u547d\u8fd0\u8f6c\u6298\u3002<\/p>\n<p>80 \u516c\u91cc\u5916\u582a\u8428\u65af\u57ce\u7684\u5546\u4e1a\u4f20\u5947 Landon H. Rowland \u548c\u4ed6\u7684\u59bb\u5b50 Sarah \u9000\u4f11\u540e\u51b3\u5b9a\u4e70\u4e0b\u82b1\u56ed\u57ce\u94f6\u884c\u3002Landon Rowland \u5e76\u975e\u666e\u901a\u7684\u94f6\u884c\u5bb6\uff0c\u4ed6\u662f\u582a\u8428\u65af\u57ce\u5357\u65b9\u5de5\u4e1a\u516c\u53f8\u7684\u524d\u8463\u4e8b\u957f\u517c CEO\u3002\u5728\u638c\u8235\u671f\u95f4\uff0c\u4ed6\u5c06\u8fd9\u5bb6\u94c1\u8def\u516c\u53f8\u6269\u5f20\u5230\u4e86\u58a8\u897f\u54e5\uff0c\u5e76\u4e00\u624b\u5206\u62c6\u4e86 Janus Capital \u548c DST Systems \u4e24\u5bb6\u91d1\u878d\u5de8\u5934\u3002<\/p>\n<p>Landon \u51fa\u4e8e\u4e00\u79cd\u8001\u6d3e\u7684\u5546\u4e1a\u7406\u60f3\u4e3b\u4e49\u4e70\u4e0b\u8fd9\u5bb6\u6c89\u7761\u7684\u4e61\u6751\u94f6\u884c\uff0c\u4ed6\u6df1\u77e5\u57fa\u7840\u8bbe\u65bd\u7684\u529b\u91cf\uff0c\u65e0\u8bba\u662f\u94c1\u8def\u8f68\u9053\u8fd8\u662f\u8d44\u91d1\u8f68\u9053\uff0c\u672c\u8d28\u4e0a\u90fd\u662f\u4e3a\u4e86\u8fde\u63a5\u548c\u6d41\u901a\u3002<\/p>\n<p>2010 \u5e74\uff0cRowland \u5bb6\u65cf\u5c06\u94f6\u884c\u66f4\u540d\u4e3a Lead Bank\u3002\u8fd9\u4e2a\u540d\u5b57\u672c\u8eab\u5c31\u6697\u793a\u4e86\u67d0\u79cd\u91ce\u5fc3\uff0c\u4e0d\u518d\u5c40\u9650\u4e8e\u5730\u7406\u4e0a\u7684\u82b1\u56ed\u57ce\uff0c\u800c\u662f\u8981\u6210\u4e3a\u884c\u4e1a\u7684\u9886\u5bfc\u8005\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/static.aicoin.com\/attachment\/article\/20260114\/176836552652325.jpg\"  data-href=\"\" title=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe2\" alt=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe2\" \/><\/p>\n<p>\u968f\u540e\uff0cLandon \u7684\u513f\u5b50 Josh Rowland \u63a5\u8fc7\u4e86 CEO \u7684\u804c\u4f4d\u3002Josh \u662f\u4e00\u4f4d\u62e5\u6709\u6cd5\u5f8b\u80cc\u666f\u3001\u6df1\u53d7\u4eba\u6587\u4e3b\u4e49\u5f71\u54cd\u7684\u94f6\u884c\u5bb6\uff0c\u4ed6\u538c\u5026\u4f20\u7edf\u94f6\u884c\u90a3\u79cd\u50cf\u8859\u95e8\u4e00\u6837\u51b7\u51b0\u51b0\u7684\u67dc\u53f0\u8bbe\u8ba1\uff0c\u89c9\u5f97\u4e3a\u4ec0\u4e48\u94f6\u884c\u4e0d\u80fd\u50cf\u661f\u5df4\u514b\u6216\u8005\u516c\u5171\u56fe\u4e66\u9986\u4e00\u6837\uff0c\u6210\u4e3a\u793e\u533a\u7684\u7b2c\u4e09\u7a7a\u95f4\u3002<\/p>\n<p>\u4e3a\u4e86\u5b9e\u73b0\u8fd9\u4e00\u613f\u666f\uff0cJosh \u610f\u8bc6\u5230\u94f6\u884c\u5fc5\u987b\u79bb\u5f00\u8212\u9002\u7684\u4e61\u6751\uff0c\u8fdb\u5165\u7ecf\u6d4e\u6d3b\u52a8\u7684\u6838\u5fc3\u5730\u5e26\u30022015 \u5e74\uff0cLead Bank \u505a\u51fa\u4e86\u4e00\u4e2a\u5927\u80c6\u51b3\u5b9a\uff0c\u5c06\u603b\u90e8\u8fc1\u81f3\u582a\u8428\u65af\u57ce\u5e02\u4e2d\u5fc3\u7684\u5341\u5b57\u8def\u53e3\u827a\u672f\u533a\u3002<\/p>\n<p>\u5341\u5b57\u8def\u53e3\u827a\u672f\u533a\u66fe\u662f\u7834\u8d25\u7684\u5de5\u4e1a\u4ed3\u5e93\u533a\uff0c\u4f46\u5728 2000 \u5e74\u4ee3\u521d\u671f\u88ab\u827a\u672f\u5bb6\u3001\u753b\u5eca\u548c\u79d1\u6280\u521d\u521b\u516c\u53f8\u590d\u5174\uff0c\u6210\u4e3a\u582a\u8428\u65af\u57ce\u521b\u65b0\u7684\u5fc3\u810f\u3002Lead Bank \u5728\u8fd9\u4e2a\u524d\u536b\u7684\u8857\u533a\u6253\u9020\u4e86\u4e00\u4e2a\u53cd\u4f20\u7edf\u7684\u7a7a\u95f4\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/static.aicoin.com\/attachment\/article\/20260114\/176836552741866.jpg\"  data-href=\"\" title=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe3\" alt=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe3\" \/><\/p>\n<p>\u4e0d\u8981\u9632\u5f39\u73bb\u7483\uff0c\u6ca1\u6709\u6392\u961f\u7ef3\uff0cJosh \u8fd8\u59d4\u6258\u582a\u8428\u65af\u57ce\u827a\u672f\u5b66\u9662\u7684\u5b66\u751f\u5728\u94f6\u884c\u5927\u5802\u4e3e\u529e\u753b\u5c55\uff0c\u751a\u81f3\u5728\u5c4b\u9876\u8bbe\u8ba1\u4e86\u4e00\u4e2a\u53ef\u4ee5\u4e3e\u529e\u745c\u4f3d\u8bfe\u548c\u9e21\u5c3e\u9152\u4f1a\u7684\u9732\u53f0\u3002<\/p>\n<p>\u8fd9\u4e00\u65f6\u671f\u7684 Lead Bank\uff0c\u867d\u7136\u5916\u8868\u65f6\u9ae6\uff0c\u5185\u6838\u5374\u4f9d\u7136\u662f\u4e00\u5bb6\u4f20\u7edf\u7684\u793e\u533a\u94f6\u884c\u3002\u5b83\u670d\u52a1\u4e8e\u5f53\u5730\u7684\u5c0f\u4f01\u4e1a\u4e3b\uff0c\u4f9d\u9760\u7740\u4e00\u5f20\u5f20\u5145\u6ee1\u6e29\u60c5\u7684\u672c\u5730\u5173\u7cfb\u7f51\u751f\u5b58\u3002<\/p>\n<h1>\u90a3\u4e2a\u6765\u81ea\u7845\u8c37\u7684\u5973\u4eba<\/h1>\n<p>\u5728 Rowland \u5bb6\u65cf\u91cd\u5851 Lead Bank \u7269\u7406\u5f62\u6001\u7684\u540c\u65f6\uff0c\u4e00\u4f4d\u540d\u4e3a Jackie Reses \u7684\u91d1\u878d\u754c\u5973\u5f3a\u4eba\u6b63\u9677\u5165\u6df1\u6df1\u7684\u632b\u8d25\u611f\u4e2d\u3002<\/p>\n<p>Jackie Reses \u7684\u804c\u4e1a\u751f\u6daf\u662f\u4e00\u90e8\u5173\u4e8e\u8d44\u672c\u6548\u7387\u7684\u6559\u79d1\u4e66\uff0c\u5979\u5728\u9ad8\u76db\u5ea6\u8fc7\u4e86\u4e03\u5e74\uff0c\u6df1\u8015\u5e76\u8d2d\u548c\u79c1\u52df\u6295\u8d44\u9886\u57df\uff0c\u7ec3\u5c31\u4e86\u9876\u7ea7\u7684\u4ea4\u6613\u55c5\u89c9\u3002<\/p>\n<p>\u968f\u540e Reses \u52a0\u5165\u96c5\u864e\uff0c\u4e3b\u5bfc\u4e86\u5176\u5386\u53f2\u4e0a\u6700\u91cd\u8981\u3001\u4e5f\u662f\u6700\u590d\u6742\u7684\u4e00\u7b14\u8d44\u4ea7\u7ba1\u7406\u2014\u2014\u96c5\u864e\u6301\u6709\u7684\u963f\u91cc\u5df4\u5df4\u80a1\u4efd\u3002\u901a\u8fc7\u6781\u5176\u590d\u6742\u7684\u8c08\u5224\u548c\u7ed3\u6784\u8bbe\u8ba1\uff0cReses \u6700\u7ec8\u4e3a\u96c5\u864e\u91ca\u653e\u4e86\u8d85\u8fc7 500 \u4ebf\u7f8e\u5143\u7684\u4ef7\u503c\uff0c\u8fd9\u4e00\u6218\u5f79\u786e\u7acb\u4e86\u5979\u4f5c\u4e3a\u9876\u7ea7\u4ea4\u6613\u64ae\u5408\u8005\u7684\u5730\u4f4d\u3002<\/p>\n<p>2015 \u5e74\uff0c\u63a8\u7279\u521b\u59cb\u4eba Jack Dorsey \u628a\u5979\u62db\u5230\u65d7\u4e0b\u652f\u4ed8\u5904\u7406\u516c\u53f8 Square\uff0c\u8d1f\u8d23\u5f53\u65f6\u6210\u7acb\u4ec5 18 \u4e2a\u6708\u7684\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u90e8\u95e8 Square Capital\uff0c\u8fd9\u4e2a\u90e8\u95e8\u8bd5\u56fe\u5229\u7528\u5546\u6237\u7684\u4ea4\u6613\u6570\u636e\u4e3a\u6570\u767e\u4e07\u5c0f\u5fae\u4f01\u4e1a\u63d0\u4f9b\u8d37\u6b3e\u3002\u8fd9\u672c\u8be5\u662f\u4e00\u4e2a\u5b8c\u7f8e\u7684\u5546\u4e1a\u95ed\u73af\uff0c\u4f46\u7f8e\u56fd\u7684\u76d1\u7ba1\u4f53\u7cfb\u5c06\u79d1\u6280\u516c\u53f8\u6b7b\u6b7b\u6321\u5728\u94f6\u884c\u4e1a\u95e8\u5916\u3002<\/p>\n<p>\u4e8e\u662f\uff0c\u4e3a\u4e86\u5408\u89c4\u653e\u8d37\uff0cSquare \u4e0d\u5f97\u4e0d\u91c7\u7528\u79df\u7528\u724c\u7167\u7684\u6a21\u5f0f\uff0c\u901a\u8fc7\u4e0e Celtic Bank \u7b49\u72b9\u4ed6\u5dde\u5de5\u4e1a\u94f6\u884c\u5408\u4f5c\uff0c\u7531\u94f6\u884c\u540d\u4e49\u53d1\u653e\u8d37\u6b3e\uff0c\u518d\u7531 Square \u8d2d\u4e70\u56de\u6765\u3002<\/p>\n<p>\u5728\u4e00\u6b21\u91c7\u8bbf\u4e2d\uff0cReses \u8bf4\u4e0e\u4f20\u7edf\u94f6\u884c\u5408\u4f5c\u975e\u5e38\u56f0\u96be\u3002\u4f8b\u5982\u4f20\u7edf\u7684\u94f6\u884c\u901a\u5e38\u51e0\u4e4e\u6ca1\u6709\u8f6f\u4ef6\u5de5\u7a0b\u5e08\uff0c\u53ea\u6709\u4e00\u5957\u50f5\u786c\u3001\u4e1c\u62fc\u897f\u8865\u7684\u9057\u7559\u7cfb\u7edf\uff0c\u4f7f\u4ee5\u7528\u6237\u4f53\u9a8c\u89c1\u957f\u7684 Fintech \u5f88\u96be\u6309\u9700\u5b9a\u5236\u4e0e\u5ba2\u6237\u4ea4\u6613\u7684\u65b9\u5f0f\u3002\u6bcf\u4e00\u4e2a\u65b0\u4ea7\u54c1\u7684\u4e0a\u7ebf\uff0c\u90fd\u8981\u5728\u94f6\u884c\u7684\u5408\u89c4\u90e8\u95e8\u548c\u6280\u672f\u90e8\u95e8\u4e4b\u95f4\u8fdb\u884c\u6f2b\u957f\u7684\u62c9\u952f\u6218\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/static.aicoin.com\/attachment\/article\/20260114\/176836552827705.jpg\"  data-href=\"\" title=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe4\" alt=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe4\" \/><\/p>\n<p>\u8fd9\u79cd\u5bc4\u4eba\u7bf1\u4e0b\u7684\u65e5\u5b50\u6781\u5176\u75db\u82e6\uff0c2020 \u5e74\u79bb\u5f00 Square \u540e\uff0cJackie Reses \u51b3\u5fc3\u62e5\u6709\u4e00\u5bb6\u5c5e\u4e8e\u81ea\u5df1\u7684\u94f6\u884c\u3002\u5728\u9009\u62e9\u6536\u8d2d\u6807\u7684\u65f6\uff0c\u5979\u7684\u76ee\u5149\u907f\u5f00\u4e86\u62e5\u6324\u7684\u52a0\u5dde\u548c\u7ebd\u7ea6\uff0c\u843d\u5728\u4e86\u582a\u8428\u65af\u57ce\u7684 Lead Bank \u8eab\u4e0a\u3002<\/p>\n<p>\u5f97\u76ca\u4e8e Rowland \u5bb6\u65cf\u7684\u7a33\u5065\u7ecf\u8425\uff0cLead Bank \u62e5\u6709\u5e72\u51c0\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\uff0c\u4ee5\u53ca\u4e00\u4e2a\u613f\u610f\u521b\u65b0\u7684\u7ba1\u7406\u5c42\u3002\u66f4\u91cd\u8981\u7684\u662f\uff0c\u5979\u4e0d\u60f3\u6574\u5929\u548c CEO \u4eec\u6df7\u5728\u4e00\u8d77\uff0c\u5979\u60f3\u63a5\u8fd1\u771f\u6b63\u7684\u4e2d\u5c0f\u4f01\u4e1a\u4e3b\uff0c\u8fd9\u6b63\u662f Lead Bank \u7684\u6838\u5fc3\u5ba2\u7fa4\u3002<\/p>\n<p>2022 \u5e74 8 \u6708 1 \u65e5\uff0c\u6536\u8d2d\u6b63\u5f0f\u5b8c\u6210\u3002\u8fd9\u662f\u4e00\u6b21\u7f55\u89c1\u7684\u3001\u83b7\u5f97\u5305\u62ec\u7f8e\u8054\u50a8\u548c\u5bc6\u82cf\u91cc\u5dde\u76d1\u7ba1\u5c40\u7b49\u76d1\u7ba1\u673a\u6784\u5feb\u901f\u6279\u51c6\u7684\u4ea4\u6613\uff0c\u8fd9\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u5f52\u529f\u4e8e Reses \u826f\u597d\u7684\u76d1\u7ba1\u5173\u7cfb\u3002<\/p>\n<p>\u4e0d\u53ef\u5ffd\u89c6\u7684\u4e00\u70b9\u662f\uff0cReses \u7684\u5f1f\u5f1f Jacob Reses\uff0c\u8fd9\u4f4d\u5e74\u8f7b\u7684\u653f\u6cbb\u65b0\u661f\uff0c\u66fe\u62c5\u4efb JD Vance \u5728\u53c2\u8bae\u9662\u7684\u5e55\u50da\u957f\u3002\u968f\u7740 JD Vance \u5728 2025 \u5e74\u521d\u5c31\u4efb\u7f8e\u56fd\u526f\u603b\u7edf\uff0cJacob Reses \u7ee7\u7eed\u62c5\u4efb\u5176\u6838\u5fc3\u5e55\u50da\uff0c\u6210\u4e3a\u4e86\u767d\u5bab\u653f\u7b56\u5236\u5b9a\u7684\u5173\u952e\u4eba\u7269\u4e4b\u4e00\u3002<\/p>\n<p>\u8fd9\u6761\u901a\u5f80\u534e\u76db\u987f\u6743\u529b\u4e2d\u5fc3\u7684\u9690\u79d8\u7ba1\u9053\uff0c\u867d\u7136\u4e0d\u662f\u514d\u6b7b\u91d1\u724c\uff0c\u4f46\u5728 Chokepoint 2.0 \u7684\u76d1\u7ba1\u9ad8\u538b\u4e0b\uff0c\u5374\u4e3a Lead Bank \u63d0\u4f9b\u4e86\u6781\u4f4e\u7684\u8bef\u89e3\u6210\u672c\u548c\u987a\u7545\u7684\u6c9f\u901a\u673a\u5236\uff0c\u4f7f\u5176\u6562\u4e8e\u89e6\u78b0\u5176\u4ed6\u94f6\u884c\u907f\u4e4b\u4e0d\u53ca\u7684\u521b\u65b0\u9886\u57df\u3002<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/static.aicoin.com\/attachment\/article\/20260114\/176836552912816.jpg\"  data-href=\"\" title=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe5\" alt=\"\u534e\u5c14\u8857\u5973\u72c2\u4eba\u3001\u4e07\u65af\u7684\u5e55\u50da\u548c\u4e00\u5bb6\u767e\u5e74\u94f6\u884cLead Bank &#8211;\u63d2\u56fe5\" \/><\/p>\n<p>Reses \u5bf9 Lead Bank \u7684\u8bbe\u60f3\u662f\uff0c\u5728\u582a\u8428\u65af\u57ce\u4e00\u5bb6\u539f\u672c\u5c31\u5b58\u5728\u7684\u793e\u533a\u94f6\u884c\u57fa\u7840\u4e0a\uff0c\u518d\u53e0\u52a0\u4e00\u5c42\u91d1\u878d\u79d1\u6280\u5c42\uff0c\u4e00\u5957\u53ef\u4ee5\u5356\u7ed9\u5176\u4ed6\u91d1\u878d\u79d1\u6280\u516c\u53f8\u7684\u94f6\u884c\u57fa\u7840\u8bbe\u65bd\u3002<\/p>\n<p>\u5f7c\u65f6 Lead Bank \u5438\u5f15\u4e86 Affirm \u7b49\u77e5\u540d Fintech \u5ba2\u6237\uff0c\u4e5f\u5f00\u59cb\u63a5\u89e6\u52a0\u5bc6\u884c\u4e1a\u5ba2\u6237\u3002\u5c3d\u7ba1\u91d1\u878d\u79d1\u6280\u884c\u4e1a\u4ecd\u5904\u5bd2\u51ac\uff0cLead Bank \u7684\u589e\u957f\u5374\u5df2\u5f00\u59cb\u63d0\u901f\u30022023 \u5e74\u7b2c\u4e09\u5b63\u5ea6\uff0c\u8425\u6536\u8f83\u7b2c\u4e8c\u5b63\u5ea6\u589e\u957f 9%\uff0c\u8fbe\u5230 3700 \u4e07\u7f8e\u5143\uff1b\u51c0\u5229\u6da6\u8dc3\u5347 50%\uff0c\u8fbe\u5230 500 \u4e07\u7f8e\u5143\uff0c\u603b\u8d44\u4ea7\u8fbe\u5230 9.51 \u4ebf\u7f8e\u5143\uff0c\u6bd4\u4e00\u5e74\u524d\u589e\u52a0\u903e 1 \u4ebf\u7f8e\u5143\u3002<\/p>\n<h1>BaaS \u884c\u4e1a\u5730\u9707\u4e4b\u540e<\/h1>\n<p>Jackie Reses \u7ed9 Lead Bank \u5e26\u6765\u7684\u4e0d\u53ea\u662f\u534e\u5c14\u8857\u8d44\u672c\u548c\u534e\u76db\u987f\u7684\u6ce8\u610f\u529b\uff0c\u5979\u51e0\u4e4e\u4ece Square \u76f4\u63a5\u642c\u6765\u4e86\u4e00\u4e2a\u6838\u5fc3\u73ed\u5e95\u3002<\/p>\n<p>\u8fd9\u5176\u4e2d\u5305\u62ec CTO Ronak Vyas\u3001\u9996\u5e2d\u6cd5\u52a1\u5b98 Erica Khalili \u4ee5\u53ca\u9996\u5e2d\u4ea7\u54c1\u5b98 Homam Maalouf\uff0c\u518d\u52a0\u4e0a\u524d Meta \u8bbe\u8ba1\u603b\u76d1 Albert Song\u3002\u8fd9\u652f\u961f\u4f0d\u8986\u76d6\u4e86\u4ece\u5e95\u5c42\u4ee3\u7801\u5f00\u53d1\u3001\u5408\u89c4\u98ce\u63a7\u7ba1\u7406\uff0c\u5230\u524d\u7aef\u7528\u6237\u4f53\u9a8c\u8bbe\u8ba1\u7684\u5b8c\u6574\u95ed\u73af\uff0c\u8ba9 Lead Bank \u62e5\u6709\u4e86\u4e0d\u4f9d\u8d56\u5916\u90e8\u4f9b\u5e94\u5546\u3001\u72ec\u7acb\u6784\u5efa\u91d1\u878d\u4ea7\u54c1\u7684\u6838\u5fc3\u80fd\u529b\u3002<\/p>\n<p>\u5f53 Vyas \u7b2c\u4e00\u6b21\u5ba1\u89c6\u4f20\u7edf\u94f6\u884c\u7684\u6838\u5fc3\u7cfb\u7edf\u65f6\uff0c\u4ed6\u611f\u5230\u4e86\u67d0\u79cd\u6765\u81ea\u4e0a\u4e2a\u4e16\u7eaa\u7684\u9707\u64bc\u3002\u5927\u591a\u6570\u7f8e\u56fd\u94f6\u884c\u4ecd\u8fd0\u884c\u5728 1970 \u5e74\u4ee3\u57fa\u4e8e COBOL \u8bed\u8a00\u7684\u5927\u578b\u673a\u4e0a\u3002\u8fd9\u4e9b\u7cfb\u7edf\u91c7\u7528\u6279\u5904\u7406\u6a21\u5f0f\uff0c\u4f60\u4eca\u5929\u5237\u7684\u5361\uff0c\u94f6\u884c\u8981\u7b49\u5230\u665a\u4e0a\u5173\u95e8\u540e\u7edf\u4e00\u8dd1\u4e00\u904d\u7a0b\u5e8f\uff0c\u660e\u5929\u624d\u77e5\u9053\u4f59\u989d\u53d8\u52a8\u3002\u8fd9\u5bf9\u4e8e\u8ffd\u6c42\u6beb\u79d2\u7ea7\u54cd\u5e94\u7684 Fintech \u516c\u53f8\u6765\u8bf4\uff0c\u7b80\u76f4\u662f\u53f2\u524d\u6587\u660e\u3002<\/p>\n<p>\u4e0a\u4efb\u540e\uff0cVyas \u505a\u51fa\u4e86\u4e00\u4e2a\u6781\u5176\u786c\u6838\u7684\u51b3\u5b9a\uff0c\u4e0d\u4e70\u73b0\u6210\u7684\uff0c\u5168\u90e8\u81ea\u7814\u3002\u8fd9\u5957\u81ea\u7814\u7cfb\u7edf\u76f4\u63a5\u5efa\u7acb\u5728 AWS \u4e91\u670d\u52a1\u548c Snowflake \u6570\u636e\u5e93\u4e4b\u4e0a\uff0c\u4f5c\u4e3a\u5e76\u884c\u8d26\u672c\u4e0e\u98ce\u63a7\u7f16\u6392\u5c42\uff0c\u51cf\u5c11\u5bf9\u4f20\u7edf\u4e2d\u95f4\u5c42\u9ed1\u7bb1\u7684\u4f9d\u8d56\uff0c\u5b9e\u73b0\u771f\u6b63\u7684\u5b9e\u65f6\u8bb0\u8d26\u3002<\/p>\n<p>\u5f53\u5176\u4ed6\u94f6\u884c\u8fd8\u5728\u8d2d\u4e70\u4e2d\u95f4\u4ef6\u8f6f\u4ef6\u6765\u4fee\u8865\u8001\u7cfb\u7edf\u65f6\uff0cLead Bank \u5df2\u7ecf\u628a\u81ea\u5df1\u53d8\u6210\u4e86\u4e00\u5bb6\u62ab\u7740\u94f6\u884c\u5916\u8863\u7684\u79d1\u6280\u516c\u53f8\u3002\u867d\u7136\u8fd9\u79cd\u91cd\u6a21\u5f0f\u4e00\u5ea6\u88ab\u5632\u7b11\u4e3a\u6548\u7387\u4f4e\u4e0b\uff0c\u4f46\u65f6\u95f4\u5f88\u5feb\u8bc1\u660e\u4e86 Reses \u548c Vyas \u7684\u8fdc\u89c1\u3002<\/p>\n<p>2024 \u5e74\uff0c\u8457\u540d\u7684\u4e2d\u95f4\u4ef6\u670d\u52a1\u5546 Synapse \u5ba3\u544a\u7834\u4ea7\uff0c\u5f15\u53d1\u4e86 BaaS \u884c\u4e1a\u7684\u8fde\u9501\u5d29\u584c\u3002<\/p>\n<p>\u524d\u6587\u66fe\u63d0\u5230\u5f88\u591a Fintech \u516c\u53f8\u65e2\u6ca1\u6709\u94f6\u884c\u724c\u7167\uff0c\u4e5f\u6ca1\u6709\u80fd\u529b\u5bf9\u63a5\u94f6\u884c\u90a3\u5957\u8001\u65e7\u7684\u5927\u578b\u673a\u7cfb\u7edf\uff0cSynapse \u4fbf\u4f5c\u4e3a\u4e2d\u4ecb\uff0c\u4e00\u8fb9\u7ed9 Fintech \u63d0\u4f9b\u7b80\u5355\u597d\u7528\u7684\u63a5\u53e3\uff0c\u4e00\u8fb9\u5e2e\u94f6\u884c\u6253\u7406\u590d\u6742\u7684\u5e95\u5c42\u8d26\u52a1\u3002\u66b4\u96f7\u4e4b\u524d\uff0cSynapse \u80cc\u540e\u652f\u6491\u7740 100 \u591a\u5bb6 Fintech \u516c\u53f8\uff0c\u95f4\u63a5\u7ba1\u7406\u7740 1800 \u4e07\u7ec8\u7aef\u7528\u6237\u7684\u8d26\u6237\uff0c\u5e74\u5316\u4ea4\u6613\u91cf\u9ad8\u8fbe 760 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\u7684\u6000\u62b1\u3002<\/p>\n<p>\u66f4\u91cd\u8981\u7684\u662f\uff0c\u8fd9\u79cd\u786c\u6838\u6280\u672f\u52a0\u5b8c\u6574\u724c\u7167\u7684\u6a21\u5f0f\u83b7\u5f97\u4e86\u8d44\u672c\u5e02\u573a\u7684\u72c2\u70ed\u8ffd\u6367\u30022025 \u5e74 9 \u6708\uff0cLead Bank \u5b8c\u6210\u4e86 7000 \u4e07\u7f8e\u5143\u7684 B \u8f6e\u878d\u8d44\uff0c\u7531 ICONIQ \u548c Greycroft \u9886\u6295\uff0ca16z\u3001Ribbit Capital \u7b49\u9876\u7ea7\u98ce\u6295\u8ddf\u6295\u3002\u6b64\u65f6\uff0cLead Bank \u7684\u4f30\u503c\u5df2\u98d9\u5347\u81f3 14.7 \u4ebf\u7f8e\u5143\uff0c\u6210\u4e3a\u5c11\u6709\u7684\u94f6\u884c\u7c7b\u72ec\u89d2\u517d\u3002<\/p>\n<h1>\u65b0\u5468\u671f\u7684\u52a0\u5bc6\u53cb\u597d\u94f6\u884c<\/h1>\n<p>\u5982\u679c\u53ea\u628a Lead Bank \u770b\u4f5c Fintech \u7684\u4f19\u4f34\uff0c\u90a3\u5c31\u4f4e\u4f30\u4e86 Jackie Reses \u7684\u91ce\u5fc3\uff0c\u8fd9\u5bb6\u94f6\u884c\u6b63\u5728\u6084\u7136\u6210\u4e3a\u52a0\u5bc6\u7ecf\u6d4e\u4e0e\u6cd5\u5e01\u4e16\u754c\u4e4b\u95f4\u7684\u5173\u952e\u9600\u95e8\u3002<\/p>\n<p>\u5728 Silvergate \u548c Signature Bank \u5012\u95ed\u540e\uff0c\u52a0\u5bc6\u884c\u4e1a\u5931\u53bb\u4e86\u4e24\u5927\u7f8e\u5143\u7ed3\u7b97\u652f\u67f1\u3002Lead Bank \u654f\u9510\u5730\u586b\u8865\u4e86\u8fd9\u4e2a\u771f\u7a7a\uff0c\u4f46\u5b83\u7684\u6253\u6cd5\u6bd4\u524d\u8f88\u4eec\u66f4\u806a\u660e\u3001\u66f4\u9690\u853d\u3002<\/p>\n<p>2025 \u5e74\u5e95\uff0cVisa \u5ba3\u5e03\u5728 Solana \u94fe\u4e0a\u63a8\u51fa USDC \u7a33\u5b9a\u5e01\u7ed3\u7b97\u529f\u80fd\uff0c\u800c\u5728\u5e55\u540e\u652f\u6491\u8fd9\u4e00\u529f\u80fd\u7684\u4e24\u5bb6\u9996\u53d1\u94f6\u884c\u4e4b\u4e00\u5c31\u662f Lead Bank\u3002\u8fd9\u610f\u5473\u7740\u5f53\u4f60\u5728\u4e16\u754c\u7684\u67d0\u4e2a\u89d2\u843d\u5237 Visa 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\u4ebf\u7f8e\u5143\uff0c\u662f\u6536\u8d2d\u524d\u7684\u4e24\u500d\u591a\uff0c\u8fd9\u5176\u4e2d\u7684\u5173\u952e\u5728\u4e8e\u5b58\u6b3e\u7ed3\u6784\u7684\u91cd\u5851\u3002\u4f20\u7edf\u94f6\u884c\u6c42\u7740\u8001\u767e\u59d3\u5b58\u5b9a\u671f\uff0c\u8fd8\u8981\u652f\u4ed8 4%-5% \u7684\u5229\u606f\u3002<\/p>\n<p>\u800c Lead Bank \u901a\u8fc7\u670d\u52a1 Fintech \u548c\u52a0\u5bc6\u5ba2\u6237\uff0c\u83b7\u5f97\u4e86\u5927\u91cf\u7684\u5546\u4e1a\u6d3b\u671f\u5b58\u6b3e\u3002\u8fd9\u4e9b\u94b1\u901a\u5e38\u662f\u4e3a\u4e86\u652f\u4ed8\u7ed3\u7b97\u800c\u505c\u7559\u5728\u8d26\u6237\u4e0a\u7684\uff0c\u5bf9\u5229\u7387\u4e0d\u654f\u611f\uff0c\u8fd9\u610f\u5473\u7740 Lead Bank \u5728\u8d1f\u503a\u7aef\u62e5\u6709\u6781\u4f4e\u7684\u8d44\u91d1\u6210\u672c\u3002<\/p>\n<p>\u8d44\u4ea7\u7aef\u8fd9\u91cc\u5219\u662f Lead Bank \u6700\u514b\u5236\u7684\u5730\u65b9\uff0c\u5b83\u6ca1\u6709\u50cf\u7845\u8c37\u94f6\u884c\u90a3\u6837\u62ff\u7740\u5ba2\u6237\u7684\u77ed\u671f\u5b58\u6b3e\u53bb\u4e70\u957f\u671f\u7684\u56fd\u503a\uff0c\u4e5f\u6ca1\u6709\u5927\u8086\u53d1\u653e\u9ad8\u98ce\u9669\u7684\u5546\u4e1a\u8d37\u6b3e\u3002\u800c\u662f\u5c06\u5927\u91cf\u8d44\u91d1\u914d\u7f6e\u5728\u9ad8\u6d41\u52a8\u6027\u7684\u77ed\u671f\u8d44\u4ea7\u4e0a\uff0c\u6216\u8005\u901a\u8fc7\u5176 Fintech \u5408\u4f5c\u4f19\u4f34\u8fdb\u884c\u6d41\u8f6c\u6781\u5feb\u7684\u77ed\u671f\u4fe1\u8d37\u6295\u653e\u3002<\/p>\n<p>2024 \u5e74\u6570\u636e\u663e\u793a\uff0c\u5176\u4e3b\u8981\u6765\u81ea\u652f\u4ed8\u624b\u7eed\u8d39\u3001API \u8c03\u7528\u8d39\u3001\u53d1\u5361\u4f63\u91d1\u7b49\u975e\u5229\u606f\u6536\u5165\u589e\u957f\u4e86 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