近日，汇付天下发布Web3.0数字钱包——汇付链宝，致力于搭建“人民币链上支付结算、去中心化交易、智能合约支付、轻技术接入”的链上支付服务体系，携手区块链技术服务商、元宇宙企业等数字商业体共创、共建、共享链上经济新生态。
In recent days, web 3.0 digital wallets have been sent out in the world — chain treasures — to build a payment service system on the chain “payment settlements on the renminbi chain, decentralised transactions, smart contract payments, light technology access”, to work with digital businesses such as block chain technical service providers, meta-cosmos enterprises and others to create, co-build and share the new economic ecology of the chain.
市场前景广阔 助力数字经济蓬勃发展
Market prospects conducive to a vibrant digital economy
近年来，国家高度重视数字经济发展，先后出台多个相关政策，鼓励和支持数字科技与产业的融合发展。政策的“暖风”加速了NFT、DAO、DID、智能合约等创新数字应用的落地，国内迎来新一轮数字经济“大爆炸”。
In recent years, the country has given high priority to digital economic development, and has introduced a number of policies to encourage and support the integration of digital technology and industry. The policy's “heating wind” has accelerated the deployment of innovative digital applications such as NFT, DAO, DID, and smart contracts, leading to a new round of digital economy “big bangs” in the country.
随着Web3.0网络下区块链、加密技术、隐私计算等新数字技术与数字商业的融合，链上钱包是打通各数字生态孤岛，实现国内数字资产安全、合规、稳定互通的关键。目前，国内市场链上支付服务尚不完备，影响数字类资产基于智能合约进行链上交易，交易信任问题难以解决。
With the integration of new digital technologies, such as block chains, encryption technologies, privacy computing, and digital commerce under Web3.0, chain wallets are key to connecting digital ecosystems to secure, compliant, and stable interconnectivity of domestic digital assets. At present, payment services in the domestic market chain are incomplete, affecting digital-type assets to be traded on the basis of smart contracts, and transaction trust issues are difficult to resolve.
作为首批获得支付全牌照的三方支付机构汇付天下，基于近17年支付技术沉淀与电子钱包定制经验，整合区块链、智能合约、隐私计算、大数据、云服务等数字技术，推出Web3.0数字钱包解决方案——汇付链宝。
As the first three-way payer to receive full licence plates, the transfer was made, based on almost 17 years of experience with payment techniques for sedimentation and electronic wallet customization, to integrate digital technologies such as block chains, smart contracts, privacy calculations, big data, cloud services, and to launch the Web3.0 digital wallet solution, the chain of payment.
据汇付天下相关负责人介绍，汇付链宝涵盖数字资产钱包、链上支付网关协议、合规风控平台3大核心模块。数字资产钱包可以实现人民币在多链生态中的支付结算；管理数字藏品、数字权益等数字资产的接收、发送、转发；以及单签托管、多签架构等模式的私钥管理。而链上支付网关协议能够高效串连起链上和链下服务，合规风控平台能对链上交易进行实时监控管理。
The transfer chain treasure covers three core modules of the digital asset wallet, the chain-to-chain payment gateway protocol, and the compliance wind-to-wind platform. The digital wallet allows payment settlements for the renminbi in multi-chain ecology; the management of the receipt, dispatch, and transmission of digital assets, such as digital collections, digital rights; and the management of private keys in the form of single-sign hosting, multiple-signing structures, etc. The chain-to-link gateway protocol allows efficient chain-to-chain and chain-to-chain service, and the compliance wind-to-chain platform allows real-time monitoring and management of transactions on the chain.
支付风控体系加持 构建链上交易“防火墙”
Payment Wind Control System Plus Firewall for transactions on the chain
一直以来，汇付天下在支付合规、风险防控、资金安全保障方面保持行业领先的能力。基于链上智能合约应用，汇付链宝进一步为链上交易提供了可信任的执行环境。同时，汇付链宝的底层遵循支付账户的全套合规与风控管理要求，对每个用户进行KYC身份验证，既能保护公众合理的交易隐私，也能防控和打击洗钱、恐怖融资、逃税等违法犯罪行为。此外，用户钱包支持的交易，其实际资金流均通过开立在ACS（中央银行会计核算数据集中系统）的支付机构备付金集中存管账户进行划拨，使得链上交易更加安全。
Remittance has long been an industry leader in payment compliance, risk prevention, and financial security. On the basis of chain-based smart contract applications, remittance chain treasures further provide a trusted enforcement environment for chain transactions. At the same time, the bottom of remittance chain treasures follows the full set of compliance and wind control requirements for payment accounts, allowing each user to be certified as a KYC that protects the public's legitimate privacy of transactions, as well as preventing and combating criminal offences such as money-laundering, terrorist financing, and tax evasion.
深度耦合多应用场景 加快链上交易场景落地
Deep Synchronize Multi-Application Scenes Speeding up the transactional scenes on the chain
汇付链宝适用于中心化应用（APP）和去中心化应用（DAPP），可为企业提供具备便捷性、操作性与安全性的接入模式，如：web3.js、智能合约调用、链上钱包APP/浏览器、OpenAPI对接等，帮助企业快速实现Web3数字经济布局。
Remittance chain treasures are applied to centralized applications (APPs) and decentralized applications (DAPPs) and provide businesses with easy, operational and safe access modes such as web3.js, smart contract calls, chain wallets APP/browser, OpenAPI docking, etc. to help them quickly achieve the Web3 digital economy.
此外，汇付链宝聚合了全国各联盟链，用户在钱包内可以进行多链智能切换。目前，汇付天下已与Onchain灵境链网等国内多家联盟链展开深度合作，为数十家联盟链生态商户提供链上支付结算服务。
In addition, remittance chain treasures bring together the country’s union chains, allowing users to switch multiple chains of intelligence in their wallets. At present, remittances are in deep cooperation with several national alliances, such as the Onchain spiritual chain network, providing chain payment services to dozens of union chain eco-businesses.
一贯坚持“创新驱动、科技引领”的汇付天下，率先在支付行业内开启数字化转型，率先完成云原生技术架构升级，率先推出支付PaaS平台“斗拱”，此番在Web3赛道再次拔得头筹，或将为整个产业生态繁荣注入数字化新动能。
Consistently insisting on the transfer of “innovation-driven, technology-led” remittances, spearheading the digital transformation in the payment industry, completing the upgrade of the cloud-based technological architecture, and spearheading the roll-out of the pay-for-PaaS platform “axis”, will again be raised on the Web3 track, or will inject new digital energy into the ecological prosperity of the entire industry.
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