Solana x Samsung Wallet：錢流動的新時代

0:00錢的流動新時代開場

0:00我是 Jacquelyn Melinek，Stratamedia 的創辦人兼執行長。接下來 20 分鐘，我們要討論一個影響在場每個人、甚至全球數十億人的主題：錢如何流動。請歡迎 Samsung Wallet 北美事業負責人 Wonseok Baek，以及 Solana Foundation 產品長 Vibhu Norby 上台。在我們開始對談前，Samsung 和 Solana 準備了一支短片，來說明這對人們的意義，一起來看看。I am Jacquelyn Melinek. I'm the founder and CEO of Stratamedia, and for the next 20 minutes, we're going to be talking about something that touches every single person in this room and billions outside of it. It's how money moves. Please join me in welcoming Wonseok Baek, the head of group at North America Samsung Wallet, as well as Vibhu Norby, the chief product officer at Solana Foundation. And before we get into this conversation, Samsung and Solana have made a short film about what this means for people, so let's take a look.

0:41感謝您的來電。您的入帳轉帳正在處理中，預計三到五個工作天內到帳。下午四點後的轉帳會在下一個工作天處理。請繼續等待。生活不會等你。寄一點錢回家，或在新地方展開新生活。重要的是錢能到誰手上。早起、晚歸，你的生活不受銀行營業時間限制。在你信任的 Galaxy 手機上，隨時掌控。你的生活、你的錢、你的時間。Thank you for calling. Your incoming transfer is pending. Estimated arrival, three to five business days. Transfers after 4 p.m. are processed the next business day. Please continue to hold. Life doesn't wait. Send a little home. Start something somewhere new. What matters is who it reaches. An early start, a late finish. Your day doesn't run on banking hours. On the Galaxy you trust, with you always in control. Your life, your money, on your time.

1:19手機錢包顛覆金流

1:19Vibhu，一開始想請教，Samsung 花了數十年把新科技帶進大家口袋，為什麼「錢」會是手機下一個必須顛覆的領域？Vibhu, to start off, Samsung has spent decades putting new technology in people's pockets. Why is money the next thing that the phone has to reinvent?

1:32Samsung 作為全球頂尖智慧型手機製造商，追求的生活型態之一，就是讓大家不再需要實體錢包。也就是說，我們希望用裝置取代實體錢包。為此，我們已經把卡片、身分證，甚至車鑰匙都帶進手機。但錢包體驗中有個最根本的部分，錢本身，還沒完成數位轉型。One of the lifestyle Samsung is pursuing with the Samsung Wallet as the global top smartphone manufacturer is the life without the physical wallet. So, namely, replace our physical wallet with our devices. So for that purpose, we already brought card's ID and even car keys into our devices. But one fundamental part of wallet experience. Citi has not made that kind of a transition. It is the money, money itself.

2:13回顧錢包的根本角色，就是把錢放進去、帶著走、需要時拿出來給別人。這樣的體驗在數位錢包裡，從技術或體驗層面來看，還是很破碎。特別是跨境匯款，還是得面對各種技術、手續費和處理時間的障礙。So looking back, what is the fundamental role of the wallet? Then we can imagine that we keep the money inside the wallet, and then carry that wallet, and then take out of money. From the wallet, and then eventually give it to someone for certain purpose. So that being said, such an experience in digital wallet is still all fragmented from technological point of view or experience point of view. So moving money, particularly across the border, can still mean you need to navigate through all different technology and fees and then processing times.

3:09所以對 Samsung 來說，設計一個簡單的服務流程，並讓它自然地融入 Samsung Wallet，就是我們的機會。So opportunity for Samsung, I think that designing such a simple process service experience. And then make it available in Samsung Wallet, and also make it work naturally in Samsung Wallet.

3:25穩定幣進入日常支付

3:25我知道今年七月的 Unpacked 發表會上，Samsung 宣布 Wallet 將支援包括穩定幣在內的新型數位價值。那對一般 Samsung Wallet 使用者來說，這體驗應該是什麼樣子？I know at Unpacked in July, Samsung said its wallet will supply new forms of digital value, including stablecoins. So what should that experience look like for an everyday Samsung Wallet user?

3:39有幾個重點。第一，使用者會像認識 Visa、Mastercard、Amex 這些卡片網路一樣，認識穩定幣區塊鏈。當我們用卡片時，只知道有 Visa、Mastercard，並不在意背後怎麼運作。對穩定幣和區塊鏈來說也是一樣，使用者只要知道它在那裡、能用就好。Yeah, so there is a couple of things. So... Firstly, they will recognize stablecoin blockchain in the same way they recognize card networks like Visa, Mastercard, Amex when they use their cards. So think about that. When we use the cards, we just know that there's the Visa Mastercard, but we don't care about how they work, what they are doing, such things. So it's very same to the stablecoin and then blockchain things. They will just know that the stablecoin blockchain will be there, and it just works.

4:25第二，使用者不需要額外安裝 App、不用再開新帳號，甚至不用管理私鑰。第三，這應該跟 Samsung Wallet 其他功能一樣直覺簡單。只要拿出手機、滑一下螢幕，Samsung Wallet 就會跳出來，然後你就能用穩定幣。這代表你可以隨時隨地匯款，不受傳統銀行營業時間限制。收款人遍及 60 多國，甚至能收到當地貨幣。我們從跨境匯款開始，但穩定幣未來也能支援更多支付場景，創造更多實用案例。And then secondly. They can start without installing additional app or creating another account, or even managing private keys. Thirdly, it should feel like any other features in Samsung Wallet. So that means that it's the same simple experience to everyone. So you just take out your phone and then swipe up the screen, and then it will bring up the Samsung Wallet, and then you use the stablecoin. So that means that you can send money across the world without being limited by some traditional banking hours, something like that. So with the recipients over the 60 countries, even they can receive the money in their local currencies. So we are starting with the cross-border transfer, but stablecoin can also support the payment. So it will creating additional practical use cases over time, I think.

5:37打造熟悉且值得信賴的數位錢包

5:37那麼，要讓這個體驗讓人感到熟悉，最重要的是什麼？So, what would you say matters most then in making that experience feel familiar?

5:45重點是從使用者已經熟悉的經驗和行為出發。Samsung Wallet 已經是大家放卡片、身分證、車鑰匙的地方，把錢也帶進同一個環境，就是打造一個和日常生活其他服務一樣的體驗。It's about starting from the experience and the behavior they are already familiar with. So Samsung already is where already users put their card ID and then car keys, so. Bringing money in the same environment means that we actually build another service experience, the same as the other services they are already used in their everyday lives.

6:17大家已經信任 Samsung 來存放照片、健康資料和卡片，那要讓他們也信任 Samsung 存放數位美元，還需要什麼條件？When people already trust Samsung with their photos, their health data, and their cards. So what has to be true for these people to trust it with their digital dollars as well?

6:34我認為有三個重點。第一是保護機制，每個服務層級都要有明確的保護措施。穩定幣實際上是由我們的合規託管夥伴保管，交易只能透過已註冊的 Samsung 裝置發起，最後還要使用者指紋或生物辨識授權。Samsung 裝置和生物辨識都由硬體級安全方案 Knox 保護。第二是簡單，使用者不用裝新 App、不用開新帳號、不用管私鑰。第三是責任，我們對監管、夥伴和使用者都有責任，信任必須持續爭取，隨著錢包在使用者生活中扮演越來越重要的角色。So I think there's three things. So one is the protections. So at every level of the services, we need a clear protection. So stablecoin is actually held by the Our regulated custodian partner. And then transaction only initiated through the devices, Samsung devices already registered, and then finally it is authorized by the users, their fingerprint and biometric authentication. So our Samsung device. And then also biometric authentication is protected by hardware-based security solution by the Samsung. It's called Knox. So the protection is the first thing. And then second thing I think that is the simplicity. So as I already said, they don't need to install additional app, creating another account. No management of the private key, those things, that's critical. The last one is the responsibility, I think. So it comes with our obligation to regulators and partners and our users as well. So I think that trust is something we have to keep earning. From our users, as our wallet getting bigger in their role in our users' everyday life use cases.

8:08Solana 與全球支付基礎建設

8:08Vibhu，也想請你分享。現在 Visa 已經在 Solana 上為美國銀行結算 USDC，但當使用者不只是加密原生族群，而是所有人時，基礎建設需要做到什麼？Maybe I want to bring you into the conversation as well. Obviously, Visa already settles USDC on Solana for U.S. banks, but what does the infrastructure have to do when the users are not just crypto natives, but everyone?

8:24我認為基礎建設必須在背後無縫運作，日常使用時要兌現幾個承諾：第一，要非常快，付款只需幾秒而不是幾天。第二，成本要低，無論是買咖啡還是匯薪水回家，手續費都只要幾分之一美分。第三，永不打烊，沒有週末、沒有銀行假日、沒有截止時間。無論你是週日凌晨三點還是週二中午匯款，都要一樣順暢。這正是 Solana 為 Samsung 打造並交付的，也是 Visa 等網路選擇在上面結算的原因。Solana 提供數位貨幣基礎建設，Samsung 則負責使用者端體驗，這就是未來的樣子。I think it has to work seamlessly in the background, and for everyday use, it has to deliver on a couple of promises. One, it has to be really fast, payments that take seconds and not days. It has to be low cost, so you can pay for things with a fraction of a penny, whether it's, you know, coffee or sending a salary back home. And it has to never close. So no weekends, no bank holidays, no cutoff times. If you're sending money at 3 a.m. on a Sunday or at noon on a Tuesday, it has to work the same way. And I think that's really what Solana has built and delivered for Samsung, and it's why networks like Visa already settle on it. Solana provides the infrastructure for digital money. And Samsung provides the customer-facing experience, and to me, that's just the way it has to be.

9:15那這樣的規模，Solana 承受得住嗎？Solana 之所以是領先的網路，就是因為它能處理遠超其他網路的規模。我們每年已經處理數兆美元的穩定幣轉帳。So can the network handle this kind of scale? Solana is the leading network for a reason. It handles vastly more scale than any other network today. We already handle trillions of dollars of stablecoin transfers each year.

9:30那為什麼選擇 Solana？我們設計這個服務和體驗時，發現我們需要的是能夠快速結算、低手續費、能應付越來越多應用場景的基礎建設。Solana 完全符合這些需求，沒有疑問。So why build with Solana? When we first design this service and experience, and we look at what capability we need and what our users need, and then we realize that we need the infrastructure that has the fast settlement and then low cost for the transactions. And then also capacity to dealing with growing use cases. So there's no question that Solana is a strong fit for that purpose.

10:03穩定幣的未來應用場景

10:03跨境轉帳只是起點，那你認為穩定幣還能在哪些金流場景發揮作用？Cross-border transfers are also the starting point, right? But where else would you say stablecoins could be useful in the way that people move and use money?

10:17我認為支付和其他實用場景，特別是機器對機器、代理對代理的交易，會越來越重要。這類交易頻率高、金額小，非常適合用穩定幣來處理。另外一個重點是所謂的「統一現代金融服務」。其實比起「移動資金」，更重要的是「不用移動資金」。想像你有活存、儲蓄、投資帳戶，管理這些帳戶常常要轉帳，很麻煩。但有了區塊鏈和穩定幣技術，我們可以提供統一的體驗，讓你不用真的移動錢，也能管理和使用這些服務。這是我們正在探索的未來重點。So. I think the payment or another practical use cases was especially for the machine-to-machine or agent-to-agent transactions. So those transactions will be a little bit different from our ordinary transactions. So very frequent and then very small amount. So we think that the kind of the transactions can we deal with the stablecoin most reliably and well. And then the other part is, we call it the unified modern financial services. So what is more important than moving money is, ironically, not moving money. So think about that. You have the checking account and then have the saving account and then investment account. So managing all those services accounts means that sometimes you need to move money around them, but it is a real hassle. But I think that with the blockchain and the stablecoin technology. So we can actually provide some unified experience. That means that without moving the money, you can actually manage and use those services, yeah, in that way. So that is still one of the areas we are looking at, and we think that that will be the big... Deeperance in the future, I think.

11:53Vibhu，你怎麼看？跨境轉帳是起點，但你認為穩定幣還能在哪些金流場景發揮作用？Vibhu, same question to you. Cross-border transfers are the starting point, but where else could you see stablecoins be useful in ways that people move and use money?

12:04我們都知道穩定幣在支付、轉帳等場景很有用，但它們也能讓大家參與前沿應用，比如交易、DeFi 等。最重要的是，穩定幣無論你身在世界哪裡，體驗都一樣，這讓我們非常興奮。Yeah, so we know stablecoins are really useful for payments and transfers and things like that, but they're also useful for participating in frontier use cases. Think about trading, think about DeFi, things like that, and— I think the most important thing about stablecoins is that they work the same way no matter where you are in the world, and that's something we're really excited about.

12:28結語：錢流動的未來

12:28太棒了，謝謝兩位。讓錢像生活中其他事物一樣自由流動，正是我們需要的未來，而這就是它的樣貌。Wonseok，非常感謝你今天的分享。Amazing. Well, thank you both. I think money that moves like everything else in your life is very much needed, and this is what it looks like. So, Wonseok, thank you so much for taking the time.