针对加密货币犯罪，韩国金融情报机构出台更多反洗钱限制措施

日本金融监管机构已开始闭门讨论修改加密货币法规，包括将其归类为证券的可能性。

披露：此处表达的观点和意见仅属于作者，不代表 crypto.news 编辑的观点和意见。 最近，Bybit 遭到黑客攻击，导致价值 15 亿美元的数字资产被盗，这给整个加密行业敲响了警钟。这次攻击利用了多重签名授权和 UI 欺骗策略中的漏洞，欺骗用户相信他们正在使用正确的地址进行交易，而实际上界面已被操纵。 你可能还喜欢：加密钱包安全性需要重新思考 | 观点 即使是经验丰富的加密专业人士，如果不进行严格审查，也会忽略此类差异。在快节奏的数字资产交易环境中，这些威胁很容易被忽视。那么，有什么直接的解决方案呢？安全不仅仅是一项功能，更是我们所做一切的基础。为了加强我们的防御，我们必须立即实施以下措施： 1. MPC middleware audit As soon as the Multi-Party Computation receives an on-chain transaction request, it must validate the transaction against the Dynamic Ledger (Exchange Database) to ensure balances match. This is an immediate, automated step that exchanges can introduce to improve their ability to accurately confirm the identity of individuals transacting.As well as ensuring that withdrawals receive the necessary reviews and auditing, integrating these initial steps that can pinpoint potential threats at an early stage is vital in mitigating the threat of high-value hacks. 2. Dynamic ledger verification 动态账本系统记录每笔交易的状态，并在执行后进行后台审计，以确保绝对准确。在批准任何 MPC 请求的提款之前，系统必须交叉检查账本以确认其合法性。这些系统会保留每笔交易的可靠记录，因此可以依靠它们为需要进一步调查的任何提款提供可靠的结果。 3. 审批后审计 每笔获批的交易都必须经过审核，以检测潜在的 UI 欺骗尝试。这增加了一层额外的安全性，可以防止平台成为复杂黑客攻击的受害者，就像我们在 Bybit 事件中看到的那样。然后应根据已批准交易的数量定期进行审计。实施这一流程可让交易所不断审查其现有系统，并检查是否已建立适当的措施来审查交易。 4. 门槛和循环审批 实施基于阈值的 MPC 审批系统可消除单点故障。如果交易所仅依赖一个系统来防止违规行为，那么它们将面临风险，而将这一责任分散到组织的不同分支机构的能力将大大提高未来的弹性。此外，财务团队的循环审批可以减少内部威胁并加强问责制。让多个利益相关者参与提供安全交易最终将减少错误（无论是意外还是故意的），并提高每个团队成员必须遵守的标准。 5. 自动交易审计 每项存款和取款请求在获得批准之前都应进行基于风险的评分，并对高价值交易进行人工验证，以确保正确的报告和问责。实时监控系统应分析存款和取款，并自动交叉检查异常峰值。如果需要，大额交易必须通过综合报告进行手动验证。每笔提款都应经过交易审计评分评估后才能处理。 6. Continuous cybersecurity training 定期对财务团队进行网络安全培训至关重要，因为安全性取决于执行人员。投入资源确保员工接受必要的培训，以尽可能高水平地履行职责，对于加密平台来说是一项值得的投资，并将在长期内增强安全性。交易所还应每月进行两到三次模拟安全演习，以评估响应效果。这让公司能够概述任何可以立即解决的流程或员工知识方面的潜在弱点，让团队拥有处理未来潜在网络威胁的实际经验。 7. 全面的保险保障 所有热钱包和冷钱包都必须投保，以增强操作安全性和降低风险。这可以保护交易所本身，并让投资者放心，他们的资产将获得额外的财务安全保障。Bybit 黑客攻击事件清楚地表明了不法分子在策划数字盗窃方面已经达到了多么高明的程度。因此，为交易所提供保险保障是正确的举措，因为它们面临的威胁在不断增加和演变。 优先考虑安全性 安全是共同的责任，而合作是让这个领域对每个人都更安全的关键。加强安全框架、投资尖端技术以及领先于潜在威胁应该是整个加密生态系统中组织的首要任务。 本通讯仅供参考和教育之用，不作为财务、投资、法律或税务建议。D24 Fintech Group 不保证信息的准确性或可靠性，包括第三方内容（如果有），也不对因使用而造成的任何损失或损害负责。加密货币交易涉及重大风险，包括因波动、网络安全威胁和监管变化而导致的投资全部损失。用户应在交易前进行研究、咨询专业人士并确保遵守当地法律。 阅读更多：我们的审计盲点：Web3 的未来取决于对安全性的重新思考 | 观点 奥萨马·巴里 奥萨马·巴里是 D24 Fintech Group 的首席技术官，他是一位富有远见的领导者，也是技术创新的推动力，因其对加密货币和区块链领域的变革性贡献而闻名。凭借十多年的经验，他已成为构建安全、可扩展和创新的区块链解决方案的领先专家。他的专业知识涵盖创建多个加密货币交易所、强大的支付网关和即插即用的区块链平台，使企业能够无缝导航和利用去中心化技术。在 D24 Fintech Group，Osama 的战略远见和技术敏锐性推动了产品创新和行业领导地位。

Disclosure: The views and opinions expressed here belong solely to the author and do not represent the views and opinions of crypto.news’ editorial. Chatbots blew our minds when they first emerged more than a year ago. Having a conversation with an AI as if it were a human in the next room, seeing it summarize complex ideas—it felt like the dawn of a new era. But since then, the state of development has become fragmented in interesting ways. You might also like:Crypto is the currency of artificial intelligence | Opinion Despite all the excitement and the billions poured into AI development, where are the truly transformative applications? Apple, Microsoft, and Meta have had over a year to integrate AI into their ecosystems, yet their biggest AI breakthroughs amount to incremental improvements to existing products. Microsoft put a chatbot in Word. Meta put one in Instagram. Apple’s flagship AI project? A delayed Siri upgrade that still hasn’t arrived. The momentum is instead with independent developers, who are racing ahead, building AI agents that can write and deploy entire software applications, autonomously manage investment portfolios, and generate real-time content in completely new formats. The most meaningful innovation isn’t happening inside Big Tech. It’s happening at the edges, among scrappy builders who see AI not as an added feature but as the foundation for something entirely new. Corporate resources are no substitute for innovation, and defending moats is a risky strategy in the middle of a technological shift. Today’s leading tech companies are falling behind, slowed by internal complexity as they cede ground to more agile, imaginative, and unencumbered challengers. Big Tech has everything it needs to win AI—and yet, it won’t Apple, Microsoft, and Meta have near-infinite resources, armies of engineers, and some of the biggest AI research budgets in the world. On paper, they should be dominating the AI revolution. Instead, their AI strategies look like patchwork fixes. Rather than building something fundamentally different, they’re trying to shoehorn a radically new technology into their existing product lines. Take Apple. The company that once revolutionized personal computing, mobile phones, and digital payments is now struggling to deliver a timely AI-powered upgrade to Siri. It has the data, the talent, and the resources, but it’s still failing to integrate AI into its ecosystem in a meaningful way.  Microsoft, Meta, X, and other tech heavyweights similarly have thrown their might and corporate resources at AI, but all have more or less come up with the same application: a chatbot. All of this is not to suggest these companies are being complacent or ignoring the more innovative uses of AI. Microsoft has deeply integrated AI into productivity software, Google is embedding AI into search, and Apple is rumored to be developing AI-powered device processing. But their approaches remain cautious, designed to add to what already exists rather than build something entirely new. They are fundamentally defensive moves, trying to preserve their existing empires instead of embracing the unknown. And they’re making a critical mistake. Incumbency can be as much a hindrance as an advantage  While known for their iconoclastic origins, the dot-com pioneers are all grown up now. Mark Zuckerberg is no longer the hoodie-wearing college dropout disrupting the internet with a scrappy startup. He’s a corporate tycoon running one of the world’s largest ad empires. The Facebook that once moved fast and broke things is now slow, cautious, and reactive—a company trying to squeeze AI into its existing business model rather than building something radically new.  And history is clear: being slow to adapt is how giants fall. Yahoo had every opportunity to dominate the internet, but it dismissed search as a secondary feature, failing to recognize its central role in the nascent online economy. Google took search seriously—and built an empire around it. Microsoft was the undisputed leader in software, but dismissed smartphones as a niche market. By the time it realized its mistake, Apple and Google had already divided up the mobile world, leaving the Windows Phone dead on arrival. IBM, once the gold standard in computing, underestimated the rise of cloud architecture. While Amazon quietly built AWS into the backbone of the internet, IBM remained focused on enterprise hardware and services—betting on the past while the future passed it by. Now, the tech founders we once idolized as rule-breakers and disruptors have become the establishment—and they’re making the same mistakes. AI isn’t just another feature to be bolted onto Word, Instagram, or Siri. It’s an entirely new paradigm—one that demands new business models, new interfaces, and new ways of thinking. True AI innovation is driven by the unconstrained Some of the most compelling and innovative AI applications aren’t emerging from expensive R&D Labs—they’re being built by small developer teams shipping products over a weekend. These developers aren’t adding AI to existing products; they’re building entirely new products with AI at their core. We’re seeing tools that can autonomously trade and manage crypto portfolios, generate interactive lessons on any subject in seconds, and spin up full-stack web apps from a single prompt. And increasingly, we’re seeing developers embrace AI’s unexpected strengths—improvisation, humor, and surprise. One standout example is AI Dungeon, a web-based game where AI narrates an unfolding story based on player prompts. It can generate characters, plot twists, and environments in real-time, adapting with every user interaction. It’s a case study in what dynamic, user-driven content might look like in an AI-first internet. Another is SceneCraft, a tool that lets tabletop game masters generate narratively consistent fantasy scenes from just a few lines of story setup. Used by players of games like Dungeons & Dragons, it stitches together visual art, character design, and lore—all in real time—to help players immerse themselves in custom-built worlds. It’s not an AI layer on top of an existing game engine or productivity suite—it’s a wholly new type of product, born from the creative possibilities of AI itself.  This kind of experimentation is reminiscent of the early App Store era, which in turn echoed the era of the early internet. In both cases, what started as a flood of oddball experiments, viral hits, and personal projects laid the foundation for entirely new platforms. What looked like play was, in hindsight, the beginning of a seismic shift. And that’s the point. The freedom to explore ideas that don’t have to scale, fit a roadmap, or serve an existing customer base is exactly what creates the space for these projects to break new ground. AI won’t be won by the companies stuck in the past Every technological shift brings a new class of winners. Earlier pivot points elevated companies like Google, Amazon, and Facebook, while others like Yahoo and IBM struggled to adapt to a rapidly evolving landscape. The smartphone revolution catapulted Apple and Android to dominance, while Microsoft, Nokia, and BlackBerry failed to adapt. AI will be no different. The companies that truly define this era won’t be the old guard—they’ll be the scrappy, relentless newcomers who build AI-native products that unapologetically break from the past.  Read more:AI is creating a new class of entrepreneurs, and you’re either in or out | Opinion Christel Buchanan Christel Buchananis the founder and CEO of ChatandBuild, an AI-powered platform that transforms ideas into fully functional apps in minutes.

披露：此处表达的观点和意见仅属于作者，并不代表 crypto.news 编辑部的观点和意见。 加密货币已经失去了叙事性，失去了耐心，也失去了意义。唯一的出路就是向前——打造人们真正使用且无需思考的产品。过去几个月，人工智能代理一直被宣传为未来，但大多数都只是些噱头：华而不实的包装，实际上什么都做不了。 您可能还喜欢：将开发人员置于 web3 的中心 | 观点 在宏观经济危机的背景下，以太坊（ETH）兑比特币（BTC）的价值跌至五年低点，比特币的交易价格如同高贝塔系数的科技股，没有人渴望出现新的去中心化交易所、桥接器或钱包扩展。问题不在于可发现性，而在于实用性。我们构建了一个为投机而非服务而优化的行业。这是一个金融游乐场，而非一个正常运转的经济体。大多数加密应用没有用户，因为它们无法解决任何实际问题。 波动性是关键。如果加密货币被大规模使用，实际需求将决定价格。但当宏观环境发生变化时，整个行业都会步调一致——因为实际使用量并不重要。这不是用户体验的问题，而是产品问题。 如果加密货币想要在这个阶段生存下来——更不用说在下一个周期中逃离回音室——我们需要停止为彼此构建抽象，并开始为真实的人构建真实的产品。 为什么这种情况不断发生 加密货币从未脱离其“开发者为开发者”的根基。成功取决于交付量，而非留存率。我们重视可组合性而非可用性。发行量而非每日活跃用户 (DAU)。总锁定价值 (TVL) 而非实用性。 正因如此，我们最终得到了一批在演示中看起来不错，但在实践中却一蹶不振的人工智能代理——它们是为了给人留下深刻印象，而不是为了持久耐用而构建的。构建者是为了其他构建者而构建。团队优化的目标是代币发行，而不是长期用户。大多数路线图都是由叙事时间驱动的，而不是客户反馈。结果呢？这些产品在加密货币推特上令人印象深刻，但在推特之外却无人问津。 用户体验本应是基础，却仍被视为肤浅的雕琢。我们谈论用户引导时，仿佛它是个营销问题，而非架构问题。我们想知道，为什么用户流失的速度比山寨币崩盘的速度还快。 并非所有人工智能代理都能解决问题 看看人工智能代理在加密领域的最新进展。我们假装自动化意味着智能。但用户需要的并非会说话的代理，而是会说话的代理。 他们需要能够有目的性地运作的代理：自主行动、链上交互、并积累价值，而不仅仅是信息。如果这将成为下一个周期的叙事——而且很有可能——我们需要提高标准。我们缺少的不是另一个聊天机器人，而是自主性、行动力和经济协同。 下一代代理必须是链上行为体——拥有记忆、激励和自主权的代理。不仅仅是精巧的人工智能界面，更是网络本身的参与者。 真实产品是什么样的 真正的产品能够解决真正的问题——清晰、快速、流畅。它不需要解释说明。它感觉像魔术，而不是用户界面谜题。在加密货币领域，当产品抽象出协议，当它为用户做一些事情，而无需他们思考网络、钱包或桥接器时，就会出现神奇的时刻。 想象一下，一个人工智能代理静静地监控你的钱包，当你的空投解锁时，它会立即认领并以最佳执行方式出售——无需提示，无需额外步骤。同时，它会监测 Gas 价格，并自动购买你忘记持有的稳定收益储备，无需你动手。当你需要桥接资金或执行交易时，它会本能地将你引导到最便宜、最快的可用网络，所有这些都不会询问你位于哪条链上，也不会强迫你批准十几个步骤。这种无缝自动化并非一项功能，而是真正产品的基础。 这些并非功能，而是成果，是真正落地的基础。 因此，这些正是加密货币领域需要深入研究并投入资源的应用。真正的消费级人工智能代理在这方面是一个突破。它们代表用户行事，进行认领、交易和协调。它们减少了接触面积。它们使基础设施变得隐形。它们不依赖投机炒作来获得价值；它们提供的是真正的服务。 这就是我们如何将加密货币从高级用户玉米迷宫中解放出来并融入日常生活的方法。 需要改变什么（以及为什么现在需要改变） 这不仅仅关乎优秀的设计，更关乎产品纪律。而且时机从未如此完美。我们不仅仅是身处熊市，更处于信任调整期。零售业已消失。ETF 的叙事已被市场消化。山寨币正在大幅缩水。美联储和财政政策正在驱动着所有新闻头条。 This is the best possible time to build—because no one’s watching. There’s no pressure to chase yield or force hype. There’s room to build quiet conviction around something real. So what should builders actually do? First, they need to design for behavior, not just composability. It’s not enough that components can plug into one another—what matters is whether people actually use them. Real product design starts with the user’s motivation and workflow, not with modularity. 其次，开发者应该使用自动化和代理来减少决策疲劳。大多数加密产品都会让用户眼花缭乱，选项太多。目标应该是减少选择，而不是增加更多选择。优秀的产品会在后台处理复杂性，让用户无需思考。 第三，现在应该优先考虑留存率而非流动性挖矿。如果你的产品仅仅因为附带代币激励而有效，那它就不是产品，而只是一种促销手段。专注于打造一款无需任何贿赂就能吸引用户回头的产品。 最后，可用性应该被视为基础设施，而非装饰。界面并非锦上添花，而是连接功能和体验的桥梁。如果它不直观，它就会崩溃。 面向消费者的 AI 代理并非噱头。它们是我们打造用户真正回头的最佳方案。这并不是因为他们相信你的代币，而是因为产品能为他们带来实际效果。 停止为无人建造 我们不需要更多标记化的接口。我们不需要更多解释比实际性能更好的演示。我们绝对不需要另一个伪装成产品的收益机制。 我们需要能够帮助人们完成任务的软件。他们需要的是真正有用的软件，而不是仅仅因为猜测。消费级人工智能代理是通往这一未来最清晰的道路。别再开发没人用的应用了。开始开发那些人们根本不用思考的应用吧。 阅读更多：重塑未来：打破人工智能垄断，从数据所有权开始 | 观点 Garrison Yang Garrison Yangis the co-founder of Mirai Labs, a web3 development studio building intuitive consumer applications that make crypto usable—and useful—for everyone. With over 15 years of experience across engineering, strategy, growth, and product, Garrison blends technical depth with a marketer’s eye for impact. A former professional gamer, he brings a competitive edge and a deep understanding of user behavior to everything he builds. At Mirai, he’s focused on turning blockchain into something people actually use—without even realizing it.

Solana 已跃升成为 DeFi TVL 排名第二的区块链（超过 Tron），其应用程序收入环比增长了 213%。 根据 Messari 的《2024 年第四季度 Solana 状况报告》，Solana 已攀升至 DeFi TVL 排名第二的区块链，环比增长 64%，达到 86 亿美元。此外，受 memecoin 和 AI 代币投机交易增多的推动，其应用收入环比增长 213%。 资料来源：Messari 撰写的 2024 年第四季度 Solana 状况报告 Solana 在 DeFi 排名中的快速上升得益于其去中心化交易所、借贷协议和质押平台上活动的激增。这一增长的最大贡献者之一是 Raydium，它在本季度结束时成为 Solana 上领先的 DeFi 协议，TVL 为 21 亿美元，环比增长 86%。去中心化永续合约交易所 Jupiter Perps 的 TVL 也环比增长了 130%，达到 17 亿美元。 随着在 DeFi 领域占据主导地位，Solana 的应用收入（链上 GDP）也环比增长了 213%，从第四季度的 2.68 亿美元增至 8.4 亿美元。在应用收入方面，领先的是 Pump.fun（2.35 亿美元，环比增长 242%）、Photon（1.4 亿美元，环比增长 278%）和 Raydium（7400 万美元，环比增长 268%）。memecoin 和 AI 相关代币的投机交易繁荣推动了大部分收入增长，而 dApp 则受益于交易费和交换量的增加。 Solana 的 DeFi 和收入扩张背后的关键驱动力是对 memecoins 和 AI 代币的猜测。2024 年美国大选之后，meme 交易的复苏导致大量资金流入在 Solana 上启动的项目。ai16z (AI16z) 和 fartcoin (FARTCOIN) 等代币获得了巨大的吸引力，导致基于 Solana 的 DEX 上的交易活动增加。 Raydium 以 56% 的份额主导了 Solana DEX 市场，每日交易量环比增长 242%（19 亿美元），在促进这些交易方面发挥了关键作用。同样，memecoin 启动平台 Pump.fun 的交易量环比增长 228%，成为 Solana 上第四大 DEX。 你可能还喜欢：Solana 旗下的 Pump.fun 因涉嫌侵犯知识产权而遭勒令停止运营