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2024 年了，我们在法币和加密货币之间转换时，尤其是在大额资金方面，仍然面临着相当大的摩擦点。似乎每个支付服务提供商都有自己的繁琐流程，如果你不使用那些老牌中心化交易所，KYC/KYB 仍然需要几天时间才能完成，而且 ACH/电汇的费用结构确实会侵蚀利润，尤其是在你频繁地进行再平衡或获利了结时。$ETH 或 $BTC 的流动性很好，但对于更新、更专业的 DeFi 代币，找到一个可靠的出金渠道，同时避免巨大的滑点或过高的点差，仍然是一个挑战。大家有没有找到真正顺畅、低成本的解决方案，能够快速可靠地将大量资金进出 DeFi 生态系统，特别是对于超出典型散户用户金额的资金？还是说，这仍然是一个充满妥协的拼凑过程，需要在一个又一个提供商之间跳来跳去？
The KYC/AML burden isn't going away, and frankly, it shouldn't. The real issue is the lack of standardization across different providers, leading to a fragmented and often frustrating user experience. If we could streamline that, it would be a huge step forward.
While the friction is real, I wonder if some of it is a feature, not a bug. Higher barriers to entry for larger sums might help deter some of the more speculative or illicit flows, which could ultimately benefit the long-term stability and legitimacy of DeFi.
Totally agree. While we've seen some improvements, it still feels like a major hurdle. I've been exploring some of the newer institutional platforms, but even they have their own set of compliance headaches that slow things down.
I think it's a bit of an overstatement. For retail users, services like PayPal and various debit card options have made on-ramping fairly seamless for smaller amounts. Large sums are always going to have more scrutiny, that's just a reality of financial regulation.
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