اسکالوپ در موج جدید استارت‌آپ‌هایی که خدمات بانکی را ارائه می‌کنند، جایگاه قطبی پیدا می‌کند.

The cryptocurrency world is becoming more accessible with the increase in the number of DeFi platforms offering traditional financial services.

چنگال is one of the leaders in bringing this revolutionary change and is the world’s first DeFi powered Banking-as-a-Service platform.

Scallop offers a wide range of products and services that mimics traditional finance but with the touch of cryptocurrencies. The platform is taking crypto promotion to the next scale by allowing the users to use crypto assets for day-to-day transactions and completely eliminating the need for converting crypto to fiat before use.

However, one of the fascinating things about Scallop is its Banking-as-a-Service feature that allows users to store their fiat and crypto assets alike at a single place securely. 

بانکداری به عنوان یک سرویس

Banking-as-a-Service is a relatively old concept in traditional finance but quite new for the crypto world. Neobanks such as Scallop can implement various banking technology solutions (Scallop Chain) using application programming interfaces (APIs). 

A BaaS model allows the banking facility to interact with its global community and offer a much more scalable architecture. Some of the benefits of BaaS are, 

• BaaS is designed for fintech and banks to quickly choose and implement various APIs and customize them according to the requirements.

• BaaS allows the platform to connect to various APIs and give users third-party access to enhance the services. This allows the users control over their financial data and allows the platform to experiment in new areas of revenue.

• Digital banking is a product of BaaS as it allows the platform to provide financial services for a digital platform. Scallop is a great example of this benefit as it has integrated decentralized and centralized financial services.

• BaaS allows for a customized ecosystem and chooses the services the platform wants to offer. These services can be modified to fit the platform and community needs to give the community the best user experience.

• BaaS also acts as a security mechanism as it generally requires two-factor authentication. 

زنجیره گوش ماهی

Scallop offers a variety of products that mimics traditional financial services but serves cryptocurrencies and fiat currencies. There is a total of ten products generally referred to as Scallop ‘X’ and includes Scallop Earn, Scallop NFTs, Scallop Banking Accounts, Scallop Cards, Scallop Pay, Scallop Multi-Currency Wallets, Scallop Money Transfer, Scallop Exchange, Scallop Cold Wallet, and Scallop Chain.

Scallop Chain is an excellent example of Banking-as-a-Service as it integrates with Scallop’s internal APIs to create a substrate based blockchain that powers Scallop’s suite of cross-chain financial products. 

Scallop uses Scallop Chain to connect centralized financial institutions with cross-blockchain applications. The institutional partners will work directly with Scallop and create a multitude of solutions, including custody services, interest-bearing saving accounts, debit cards and fiat on-ramp to crypto. 

Banking-as-a-Service has been explored endlessly in the centralized financial solution. However, decentralized platforms are starting to adopt this service seeing its potential and importance. Scallop remains at the forefront of this adoption which, when paired with a suite of products, offer unparalleled services to the crypto community.

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Source: https://coinidol.com/scallop-wave-startups/