Web3 金融的終局形態：加密 NeoBank！

from Max的區塊鏈空間 Podcast · host Max - MaxCryptoSpace 🕵️

This is a free preview of a paid episode. To hear more, visit www.maxcrypto.space早安，各位天使投資人 👼Crypto NeoBank（加密新興銀行），是我在 2026 年最看好的關鍵發展方向之一。原因很簡單：在所有 Web3 應用裡，它最有機會把加密資產真正推進到「日常生活層級」— 讓一般用戶不用先變成 DeFi 專家，也能在日常支付與資產管理中，自然用上 DeFi 的槓桿與效率。我們過去聊過很多次：DeFi 解決的是資產效率、收益與鏈上組合性；但真正卡住大規模採用（Mass Adoption）的，一直都是「高使用門檻」—流程太複雜、體驗太碎片化、以及「用戶根本不知道怎麼開始」。NeoBank 在做的事情就是「把 DeFi 包裝成金融產品」，讓你像用銀行 App 一樣，把錢放進去、管理、消費，同時在後台跑收益與資產配置。EtherFi 是目前最接近我心中 NeoBank 定義的項目之一：自我託管的帳戶體驗、可用於真實世界的支付工具（卡片），再加上一套由淺到深的 DeFi 產品層級，讓用戶可以逐步把資產效率拉起來當支付、自託管、DeFi 這三件事被整合在同一個產品裡，加密就不再只是投資工具，而會開始長得像一個完整的金融體系。在今天這期 MaxAlpha 訪談，我邀請到 EtherFi 創辦人兼 CEO Mike Silagadze，一起深入拆解：為什麼 Crypto NeoBank，可能會成為推動以太坊下一輪成長的核心引擎。本期內容優先開放給付費會員觀看，稍後會上架 YouTube 並開放給全部會員延伸閱讀：* 我的 EtherFi 卡片推薦碼： https://www.ether.fi/refer/2e4cc55b* 中文 TG 討論社群： https://t.me/etherfi_cn✅ 想收到我的碎片化思考？加入公開 TG 頻道就不會錯過通知～✅ 想要開始投資／研究加密貨幣？我把我自己有在使用的交易所 / 冷熱錢包 / 鏈上數據面板都整理在這篇文章，歡迎取用✅ 除了 Substack，你還可以在這些地方找到我：YouTube｜Instagram｜X

Episode metadata supplied by the publisher feed · Published Jan 5, 2026

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