伊利诺伊州参议院通过打击加密犯罪的《数字资产和消费者保护法案》

Binance 推出了“投票退市”功能，允许经过验证的用户从其监控区域列表中退市代币。 从今天（2025 年 3 月 21 日）开始，币安推出了“投票下架”功能，这项举措将允许社区成员参与决定哪些代币应该从平台上移除 值得注意的是，币安用户将对币安监控区内的加密货币进行投票。此类别中的代币由于流动性差、不活跃或其他危险信号而面临退市风险。 截至撰写本文时，监测区共有 27 种加密货币。一些值得注意的项目包括市值为 6.36 亿美元的 JasmyCoin (JASMY)、市值为 5.02 亿美元的 Zcash (ZEC) 和市值为 3.99 亿美元的 FTX Token (FTT)。 币安监控区内的部分加密货币 | 来源：币安 投票资格要求用户拥有经过验证的币安账户，并在整个投票期间维持至少 0.01 BNB 的余额，投票期间将持续到 2025 年 3 月 27 日 23:59 UTC。 符合条件的用户最多可以对下架池中的五个项目进行投票，每个项目可投一票。投票必须在币安广场官方的官方帖子下提交才有效。 虽然此举旨在加强上市治理并赋予社区“更大的发言权”，但根据币安的公告，社区投票不会成为退市决定的唯一因素。 你可能还喜欢：美联储维持利率不变，比特币 ETF 流入量反弹 交易所仍将进行彻底的审查，考虑项目的活跃程度、交易量、团队承诺、监管合规性和其他相关标准等因素。 币安过去曾因不符合这些标准而下架过一些代币，甚至包括门罗币 (XMR)、Filecoin (FIL) 和互联网计算机 (ICP) 等一些知名代币。 在推出退市功能的同时，币安还宣布从其交易平台上移除五种加密货币。 这些代币包括Aergo（AERGO）、AirSwap（AST）、BurgerCities（BURGER）、COMBO（COMBO）、Linear Finance（LINA），将于2025年3月28日上午11:00（UTC+8）下线。 该消息发布后，上述山寨币均出现下跌，其中BURGER跌幅最大，两小时内暴跌48.1%，其他山寨币的跌幅在5%至35%之间。 这一发展发生在市场普遍低迷的背景下，比特币 (BTC)、以太坊 (ETH)、XRP (XRP)、Solana (SOL) 和 Cardano (ADA) 等主要加密资产的损失在 2% 至 4% 之间。截至发稿时，加密货币总市值已下跌 3.8% 至 2.85 万亿美元。 阅读更多：Canary Capital 申请成立 ETF，持有 PENGU 代币和 NFT

Disclosure: The views and opinions expressed here belong solely to the author and do not represent the views and opinions of crypto.news’ editorial. In just the past few months, several high-profile wallet exploits have shaken the crypto world, from sophisticated phishing campaigns to browser vulnerabilities that exposed users’ private keys. Crypto wallets are supposed to be the bedrock of democratized finance—tools that give users direct, sovereign control over their assets. Instead, they often feel like rickety scaffolding: unstable, unforgiving, and ready to collapse under the weight of a single mistake. You might also like:Web3 wallets: The digital payment solution for the next billion users | Opinion For all the innovation in web3, wallets remain one of its weakest links—and one of the biggest barriers to mainstream adoption. The core problem? An outdated reliance on seed phrases. This decades-old security model asks ordinary users to perform like cybersecurity experts, with no room for error. Forget your seed phrase, or store it insecurely, and your assets are gone forever. It’s a user experience nightmare masquerading as a security feature. This is not merely inconvenient—it’s actively deterring potential users. As an industry, we need to intervene. ETFs show users want crypto, but not wallets Take a look at the surge in crypto ETF inflows over the last year. Institutional and retail investors alike recognize crypto’s enormous potential and want exposure, yet overwhelmingly choose indirect investment vehicles like ETFs instead of direct asset ownership. Why is this happening when crypto offers so many compelling features, so many ways to increase your yield? It’s because the user experience is that bad. Crypto wallet interfaces are notoriously complex, security is overly burdensome, and recovery processes are unforgiving. Faced with the daunting task of navigating this hostile environment, mainstream users have understandably gravitated toward traditional financial structures, preferring familiarity and simplicity. This stark reality indicates that users are willing—even eager—to participate in the crypto ecosystem, but wallet usability and security barriers hold them back. Seed phrases: A dangerous UX failure At the heart of wallet design failures are seed phrases—12 to 24-word strings users must store securely, offline, without mistakes. Sounds simple. Except that thousands of hackers, some extremely sophisticated or even state-sponsored, actively target your device—your files, your browser cache, your clipboard data, anything they can access–trying to steal your seed phrase and drain your funds.  Expecting everyday individuals, who are neither cryptographers nor cybersecurity specialists, to execute this task flawlessly is unreasonable. Seed phrases offer no second chances—misplacing or losing them means losing everything, permanently. Imagine if traditional finance operated this way—if accidentally losing or exposing your debit card number meant instantly losing every dollar in your bank account. The financial system would descend into chaos. Traditional finance institutions have long recognized that security must be robust yet forgiving, accounting for human error. Crypto wallet design, however, continues to rely on an outdated security model built around unrealistic expectations of user diligence. This disconnect has resulted in countless stories of lost funds due to forgotten seed phrases, devices malfunctioning, and simple human errors. Poor UX is a systemic risk to web3 Poor wallet UX does not merely inconvenience individual users—it presents a systemic risk to the broader web3 ecosystem. News headlines frequently highlight lost assets, phishing scams, and compromised wallets—all directly attributable to confusing interfaces and poor security designs. These stories erode trust, perpetuating the narrative that crypto is inherently unsafe and inaccessible. This perception of crypto as overly complicated and hazardous is driving potential adopters away. New users evaluating whether to enter the crypto market often read horror stories, not success stories, prompting them to seek safer and simpler traditional investment vehicles. Until UX improves to accommodate everyday users, crypto will remain confined to tech-savvy enthusiasts who can navigate the pitfalls—the groundswell of adoption we keep waiting for will never come. Innovation exists—why aren’t wallet providers adopting it? Modern cryptographic technologies—such as threshold signatures, multi-party computation , and seedless recovery—provide secure, user-friendly alternatives to traditional seed phrase-based security. Threshold signatures distribute signing authority across multiple devices or entities, eliminating single points of failure. MPC enables secure cryptographic operations without revealing private keys. Seedless recovery methods allow users to safely restore wallet access without risking permanent loss. Despite the availability and proven effectiveness of these solutions, wallet providers have shown frustratingly little urgency in adopting them. Many wallets continue to rely heavily on outdated methods simply due to inertia or misplaced priorities. By stubbornly clinging to obsolete designs, wallet providers risk not just individual user assets but the credibility and growth potential of the entire web3 ecosystem. It’s time for wallets to grow up As web3 leaders, we should look at retail ETF adoption and be furious. Every last dollar should be on-chain, helping to back the growth of protocols, not lining the pockets of institutions. Crypto’s UX is so bad that users are willing to pay ETF management fees to avoid it. Web3’s broader adoption and ultimate success depend on wallets becoming user-centric, secure, and forgiving. Only then can crypto break free from its niche constraints and fulfill its promise of revolutionizing finance for the masses. Read more:Crypto wallet security needs a rethink | Opinion JP Thor JP Thoris the creator of Vultisig, a seedless, multi-chain crypto vault designed to eliminate single points of failure and bring secure, self-sovereign custody to both human users and AI agents.

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。 人工智能已从一个未来概念迅速发展成为现代生活不可或缺的一部分，预计到 2028 年其市场价值将达到 12,780 亿美元。然而，这种增长也带来了重大挑战，尤其是如何跨网络存储、管理和访问人工智能数据。分散式存储系统提供了一种有前途的解决方案，它提供了增强的可扩展性、效率和安全性，以支持人工智能不断增长的需求，但它们仍可能受到可扩展性、效率和安全性问题的阻碍。 你可能还喜欢：人工智能改写历史，区块链技术是一道防线 | 观点 人工智能影响力的激增也推动了数据和电力消耗的急剧增长，预计到 2030 年数据中心的能源使用量将增长 160%。分散式存储系统必须不断发展以满足这些不断增长的需求，确保人工智能的持续成功和可持续性。 当前分散存储面临的挑战 随着人工智能以每年 28% 的速度增长，它给分散存储网络带来了巨大压力。挑战不仅在于管理当前的数据需求，还在于预测未来的需求。人工智能应用需要大量实时数据访问，而现有系统通常难以有效扩展。 当前的去中心化系统在确保数据完整性方面也面临困难。人工智能要准确运行，必须依赖高质量、无偏见的数据。如果没有适当的验证机制，数据操纵或错误的风险就会成为一个严重的问题，可能会破坏人工智能模型的结果。 去中心化存储支持AI的关键要求 传统的中心化存储系统越来越不合适。它们容易受到审查、数据检索速度较慢，并且存在安全漏洞。相比之下，去中心化存储替代方案提供了更高的安全性和抗审查能力，但仍需要解决三个关键因素：可扩展性、速度和安全性。 可扩展性is essential for supporting AI’s rapid growth. Decentralized storage systems must be flexible enough to handle increasing amounts of data without slowing down or compromising performance. Solutions that prioritize automation and adaptive scaling can help meet the needs of growing AI workloads. 速度是另一个重要的考虑因素。机器学习和实时数据处理等人工智能应用需要超快速的数据访问。许多分散式系统并未针对这些高容量、低延迟要求进行优化。为了跟上人工智能的步伐，有必要提高存储检索时间和网络吞吐量。 安全是不可商榷的。由于人工智能依赖准确的数据，任何安全方面的妥协都可能导致错误或操纵的输出。分散存储必须确保数据完整性，利用加密、数据验证和区块链技术来确保防篡改存储。高级安全协议对于保护人工智能的底层数据集至关重要。 去中心化存储的未来之路 For decentralized storage to meet AI’s needs, it must provide data that is both verifiable and tamper-proof. Blockchain technology, for instance, can offer immutable records, ensuring that once data is stored, it cannot be altered without detection. This approach would improve the reliability of AI outputs by preventing data manipulation, which can have cascading consequences for AI applications. Further, decentralized storage solutions must prioritize interoperability—the ability to integrate with various AI platforms and technologies. AI systems depend on data from multiple sources, so storage systems must support seamless data exchange without creating barriers. This will enable AI to function at its full potential, drawing from diverse datasets without concerns over compatibility or access issues. Finally, as AI continues to evolve, decentralized storage will need to embrace edge computing capabilities. By distributing data storage closer to the source of AI applications, edge storage minimizes latency and reduces the pressure on centralized data centers. This approach ensures faster access to critical data and supports real-time decision-making, which is vital for AI in fields like autonomous vehicles and smart cities. Setting the stage for AI-ready decentralized storage AI requires trusted, real-time access to vast amounts of data. As decentralized storage systems evolve to meet these needs, they must not only focus on secure, immutable data storage but also enable efficient data retrieval and smooth integration across a variety of platforms. 在这个瞬息万变的环境中，去中心化存储的作用将变得比以往任何时候都更加重要。通过与人工智能一起发展，这些系统可以成为创新的支柱，确保人工智能以最高水平的可靠性、速度和安全性运行。有了合适的基础设施，去中心化存储不仅可以支持人工智能，还可以充分发挥其潜力，使各行各业能够在人工智能驱动的世界中创新和繁荣。 阅读更多：Web2 辜负了地球——Web3 必须修复它 | 观点 瑞安·利维 瑞安·利维is a seasoned executive with nearly 20 years of startup experience across web2, web3, blockchain, and data. A master at “connecting the dots,” Ryan leads business development, partnerships, and go-to-market strategies, building ecosystems across DeFi, Blockchain Networks, Data, RWAs, DePIN, Gaming, and more. Currently Head of BD and partnerships at Moonbeam and DataHaven, Ryan previously held leadership roles as VP of Business Development at SKALE Labs (SKALE Network), Head of Protocols and partnerships at Chainstack, and Head of Partnerships at Kadena. Born and raised in South Africa, Ryan lived in Australia for many years before settling in California. He greets each dawn with an espresso and a workout, which sets a tone of clarity and energy for the rest of his day. His guiding mantra, “Never Give Up,” drives his relentless pursuit of success in both his personal and professional life.

美国著名银行律师兰迪·盖恩 (Randy Guynn) 呼吁稳定币受到银行层面的监管。 盖恩在美国众议院金融服务委员会发表讲话时表示，稳定币应该提供与保险银行存款和中央银行货币相同程度的安全。 Guynn 强调，任何稳定币监管都应要求发行人维持与银行相当的流动性储备和资本缓冲。 Guynn 认为：“如果支付稳定币发行人拥有适当校准的流动资产储备、资本缓冲，并且没有大量其他负债，那么支付稳定币应该与有保险的银行存款和中央银行货币一样安全。” Davis Polk & Wardwell LLP 金融机构集团主席 Guynn 表示，稳定币本质上是数字私人货币，应受到相应的监管。他引用了历史相似之处，指出私人货币创新长期以来一直在金融体系中发挥作用。 然而，他警告称，如果没有强有力的监管，稳定币可能会带来与过去银行业危机类似的金融稳定风险。 你可能还喜欢：俄罗斯首屈一指的加密货币盛会 2025 加密货币峰会将在一周后开幕 盖恩写道：“在人类历史的大部分时间里，人们可以自由地创新私人货币，而不受政府干预，包括不需要获得政府许可。” 此次听证会正值《稳定币监管法案》讨论之际，该法案旨在为发行者制定明确的规则。Guynn 曾参与 Meta 的 Diem 稳定币项目的设计，他认为，适当监管的稳定币可以提高支付效率，同时降低风险。 他的证词加剧了关于稳定币是否应该作为银行、货币市场基金或全新的金融类别进行监管的更广泛争论。 你可能还喜欢：明成集团购买 333 比特币作为短期投资

Crypto market maker DWF Labs is partnering with Mask Network in a $5 million token deal to push decentralized social media into the mainstream. Cryptocurrency market maker and investor DWF Labs has invested $5 million in Mask Network, a decentralized social platform bridging web2 and web3, as part of its push to support user-owned internet technologies. In a Wednesday blog announcement, DWF Labs’ managing partner Andrei Grachev explained that the decision to back Mask Network comes as the project “has consistently demonstrated both vision and execution in this space.” Following the announcement, the price of MASK (MASK) rose 14% to $1.21, according to data from crypto.news price tracking page. Founded in 2018 by Suji Yan, Mask Network allows users to access web3 features like encrypted messaging, non-fungible tokens, and decentralized finance directly through existing social platforms. Before DWF Labs, the project also secured funding from investors like Animoca Brands, Digital Currency Group, and Longling Capital. You might also like:Decentralized social network Mask Network restructures MaskDAO ecosystem DWF Labs called the deal a “strategic investment,” with Yan adding that the firm is bringing “more than just capital to the table” as it brings “global connectivity, ecosystem depth, and a long-term mindset.” In late February, Yan revealed that his public wallet was hacked, resulting in the theft of over $4 million in crypto. The attack, which lasted approximately 11 minutes, occurred just hours after his 29th birthday celebration. Yan suspects either a private key leak or an offline attack during the gathering, where his phone was briefly unattended. Read more:DWF Labs enters US market with New York office and $25m WLFI investment