"这十年技术飞速发展，从移动互联网、API和云原生技术到AI，都推动着空中云汇重新定义金融 业。"10月22日，创办十周年之际，Airwallex空中云汇首席营收官吴恺在"未来金融峰会"上回顾，十年 来空中云汇用API、算法与智能体重塑出海企业全球化进程。如今，世界亟需更聪明、更安全、更透明 的连接。 吴恺表示："出海企业开拓新市场，除支付接口外，还需获得当地监管对其数据合规能力的认可， 以及用户对其跨境服务安全的信任。空中云汇协助企业，让资金流、合规流和数据流的每一个环节都清 晰可见，成为'让连接继续发生'的系统级力量。" 抓住AI时代浪潮 在此次峰会中，经济学家薛兆丰肯定了AI对经济的驱动作用，呼吁企业拥抱技术变革。 "AI agent已经能够思考、行动、协作，它们在改变每一个工作流程、业务过程和决策方式。这不只 是一次技术的更新，而是一种全新的媒介，一种人类与机器互动的全新方式。" 空中云汇数据与人工智 能副总裁Timothy Wong在演讲中介绍。 基于内部实践积累，空中云汇宣布即将推出智能体金融（Agentic Finance）新业务，辅助人类实际 开展工作，具有智能化、主动化、基于场景自主化的特点 ...

Core Insights - The Federal Reserve has shifted its perspective on cryptocurrencies, now viewing them as a key component of the future payment system rather than a marginal threat [1] - The recent Fintech conference highlighted discussions on the integration of traditional finance with digital assets, stablecoin business models, AI applications in payments, and tokenization [1][3] - The concept of a "streamlined master account" was introduced, allowing non-bank payment companies to access Federal Reserve payment services, which could reduce costs and improve efficiency [1][7] Group 1: Federal Reserve's New Stance - The Federal Reserve no longer views the DeFi sector with skepticism, indicating a significant cultural shift towards embracing innovation in payments [1][7] - Christopher Waller emphasized the need for the Federal Reserve to actively participate in the ongoing payment revolution driven by technology [7][23] - The streamlined master account aims to provide basic payment services to qualified institutions without the need for a full master account, reflecting the evolving payment landscape [1][26] Group 2: Market Reactions and AI Integration - Following Waller's remarks, Bitcoin saw a 2% increase, indicating positive market sentiment towards potential regulatory easing in the U.S. digital finance sector [3] - Cathie Wood from ARK Invest predicted that AI-driven payment systems could lead to a new era of productivity, potentially increasing U.S. GDP growth to 7% over the next five years [3][8] - The integration of AI and blockchain is expected to unlock significant productivity gains, particularly in knowledge work [8] Group 3: Industry Collaboration and Infrastructure - Executives from major firms like Chainlink, Circle, and Google engaged in discussions with the Federal Reserve about interoperability, compliance, and risk management, highlighting the financial system's shift towards digitalization [5] - There is a consensus among participants that the proliferation of AI agents necessitates a new, native financial infrastructure, with stablecoins seen as a natural solution [5][8] - Coinbase's CFO noted that AI could significantly enhance operational efficiency, with AI-generated code expected to comprise half of their codebase by year-end [5] Group 4: Future Directions and Challenges - The conference underscored the importance of collaboration within the ecosystem, moving away from a competitive mindset to one focused on cooperation [8] - Waller's remarks indicated that the Federal Reserve is exploring new ideas to support innovations in payments, including the potential for tokenization and smart contracts [24][26] - The discussions highlighted the need for traditional financial institutions to adapt to the evolving landscape, particularly in integrating DeFi technologies and ensuring compliance with regulatory standards [44]