你應該聽過智慧合約，但智慧帳戶這項創新卻較不為加密用戶所熟悉。不過，智慧帳戶的確已經成為具有革命性意義的解決方案，帶來驚人的應用潛力。
它正顛覆我們與數位資產及去中心化應用互動的方式。但什麼是智慧帳戶？你又如何善用它呢？
什麼是智慧帳戶？
先從基本開始。智慧帳戶（又稱智慧合約錢包）是一種基於區塊鏈的帳戶，能在特定條件達成時自動執行預先設定的行動。是不是讓你想到智慧合約？沒錯！但本質上又有所不同。
傳統加密錢包基本上只是私鑰的儲存庫，但智慧帳戶則具有可程式化的特性。你可以把它想成一個與智慧合約綁定的錢包—這就是最簡單的描述。
智慧帳戶可在特定情況下持有、傳送、接收數位資產，也能和去中心化應用（dApp）及其他智慧合約進行互動。
為什麼需要智慧帳戶？它又有什麼實際意義？讓我們繼續看下去。
1. 強化安全機制
與傳統加密錢包相比，智慧帳戶在安全性上有顯著提升。怎麼說？
它內建了許多高階安全機制。
先從多重簽章功能說起，這允許用戶設定多個交易審核人，為帳戶帶來額外防護，防止未經授權的存取。
另一個顯著的安全提升是執行時間鎖。用戶能設定交易從啟動到執行之間有延遲時間。
在這段期間，若發現異常，可隨時取消交易。這對於大額轉帳或錢包可能遭到入侵時特別實用。
智慧帳戶還支援更進階的存取權限控管。
例如，對不同類型的交易可設定不同授權層級。小額轉帳只需單一簽章，大額則需多重審核。
另一重要安全機制是花費上限設定。用戶可自訂每日、每週、每月的交易上限。如此即便攻擊者取得帳戶，也能大幅減少損失。有些智慧帳戶甚至支援創建各自有規則的「金庫」，進一步降低風險。
最後，智慧帳戶通常內建資金恢復機制。如果用戶遺失帳戶存取權，能發起包含可信聯絡人、等待期等條件的恢復流程，大幅降低因私鑰遺失而造成永久失資金的風險。
2. 免手續費（Gasless）交易
鏈上手續費一直是熱門公鏈的問題之一。
這時，智慧帳戶展現其優勢。
智慧帳戶的一大優點，就是可支援免手續費交易。在傳統區塊鏈上，用戶必須用原生代幣（如 ETH ）支付交易手續費。這對新手或小額用戶是門檻。
智慧帳戶可代用戶支付手續費，甚至直接用轉帳的代幣繳納，這是透過「元交易」實現的。
運作方式為：當用戶啟動交易時，會對交易資訊簽名並傳送給中繼服務，由對方幫忙付手續費並提交上鏈。就是這麼簡單。
不僅如此。
「帳戶抽象」（EIP-4337）將此功能再升級，允許創建「Bundler」將多筆交易批次打包，大幅減少總體手續費，提升區塊鏈互動效率，推動大眾採用區塊鏈。
有些智慧帳戶甚至能實現「贊助交易」，由 dApp 開發者或第三方支付指定操作的手續費，有助於用戶入門及提升參與度。
不過須注意的是，這些交易對用戶雖然看起來「免手續費」，但手續費實際上還是由錢包商、dApp 或透過其他方式（如交易費、代幣兌換）吸收。
3. 可程式化交易邏輯
智慧帳戶的真正威力在於它的可程式性。
用戶可設計複雜的交易邏輯，遠超過單純的轉帳。這大幅拓展自動化金融及互動 DeFi 的可能。
常見應用之一是定期付款。用戶可設計智慧帳戶定時將特定代幣自動轉給指定地址。這可用於訂閱服務、定期儲蓄，甚至 DAO 的自動發薪。這種自動化也能幫你節省人力成本，減少複雜財務管理需求。
智慧帳戶也能根據預先設定條件自動執行交易。
對於加密交易者這是殺手級應用。例如設定自動在價格達標時兌換代幣，無需時時盯盤即可實現複雜的交易策略。
更強大的功能，是能在一筆交易中串接多個 DeFi 協議，開創微型革命。
例如，可先從某個協議借款，再用借來的資金到另一協議提供流動性，最後質押 LP 代幣——全在一筆原子交易中完成。這種組合性讓複雜 DeFi 策略得以自動化，人工難以達成。
智慧帳戶也能實現更高階金融工具。例如可自動與選擇權、期貨等去中心化協議互動，自動對沖部位，或定期購買特定代幣以實現定期定額（DCA）策略。
其可程式性還可用於客製化治理流程。像是多簽錢包的複雜投票，讓 DAO 等去中心化實體能實現精細決策。
4. 與 DeFi 協議深度整合
智慧帳戶設計上可無縫對接龐大的去中心化金融（DeFi）生態，讓用戶能直接從錢包操作各類金融服務，無須來回切換平台或管理多個帳戶。
這對新手而言是利多，對多平台交易員而言更是極大便利。
一大優勢是能直接串接借貸協議。用戶可作為抵押資產、借款、領利息等，只需簡單操作即可連接如 Aave、Compound 與 MakerDAO 等熱門協議。
去中心化交易所（DEX）也是 DeFi 生態重要一環，智慧帳戶同樣能無縫串接。
用戶可在錢包內直接做代幣兌換、提供交易對流動性、管理 AMM（如Uniswap、SushiSwap）中的部位。簡化流程讓用戶能更有效率把握市場機會。
資產挖礦與流動性挖礦策略也可透過智慧帳戶自動執行。用戶可自動質押代幣、申領獎勵、跨多協議再投資，有效提升收益效率。
當然，智慧帳戶同時能結合更複雜的 DeFi 工具，像是選擇權、期貨、合成資產等。你可以直接操作 Synthetix、Opyn、dYdX 等平台，滿足資深玩家的進階需求。
另一重點是能整合跨鏈橋與 Layer 2 擴容方案。智慧帳戶能無縫轉移資產至不同區塊鏈或 Layer 2，提升跨鏈互通性與可擴展性。
5. 社交恢復與帳戶抽象
智慧帳戶另一個絕佳特色，你肯定會喜歡。
先想想自己是否畏懼過遺失助記詞後無法找回帳戶？
所以這裡要談談社交恢復功能。這項創新徹底解決了加密領域一直以來的大問題——只要私鑰遺失就等於永久失去資金的風險。透過社交恢復，用戶能預先指定一組可信聯絡人或裝置來協助找回存取權。
社交恢復通常會設計定時鎖機制。如果用戶失去帳戶存取權，可發起恢復程序。 The designated guardians then have a set period to approve or reject the request. This provides a balance between security and recoverability.
指定監護人將有一段設定的時間來批准或拒絕請求。這樣可以在安全性與資產可恢復性之間達到平衡。
Some versions of smart accounts allow for more complex recovery schemes. For example, a user might set up a system where any 3 out of 5 designated guardians can approve a recovery request. This adds an extra layer of security against potential collusion.
某些版本的智能帳戶允許更為複雜的恢復機制。例如，使用者可以設定只要有五位監護人中的任意三位同意，即可批准恢復申請。這樣可以額外增添一層針對潛在串通的安全保護。
But if you want even more secure solutions, there is something you will definitely like.
但如果你想要更安全的解決方案，接下來有你一定會喜歡的東西。
Account Abstraction (AA) takes the concept of security even further. It's a proposed upgrade to Ethereum (EIP-4337) that would allow for more flexible account types. With AA, the distinction between externally owned accounts (EOAs) and contract accounts blurs, enabling a wide range of new possibilities.
帳戶抽象（AA）將安全性的概念提升到更高層次。這是一項針對以太坊（EIP-4337）的提案升級，使帳戶類型更加彈性。透過 AA，外部擁有帳戶（EOA）和合約帳戶之間的界線變得模糊，開啟了各種全新可能性。
One key feature of AA is the ability to change the account's authentication mechanism. Users could switch from a standard private key to more advanced methods like multi-factor authentication, biometrics, or even quantum-resistant cryptography.
AA 的一項重要特點，就是能改變帳戶的驗證機制。使用者可以從傳統私鑰切換到更進階的方式，例如多重驗證、生物辨識，甚至是抗量子的密碼學技術。
AA also allows for more sophisticated fee payment mechanisms. Accounts could be set up to pay transaction fees in tokens other than the network's native currency, or even have fees sponsored by third parties. This could significantly lower the barrier to entry for new users.
AA 也支援更進階的手續費支付機制。帳戶可以設定使用非原生幣的代幣來支付手續費，甚至讓第三方代為支付。這能大幅降低新手用戶的門檻。
Another important aspect of AA is improved interoperability. Smart accounts could be designed to work across multiple blockchain networks, potentially simplifying cross-chain interactions and asset management.
AA 的另一大重點是增強的互操作性。智能帳戶可設計為支援多條區塊鏈網路，使跨鏈操作及資產管理變得更簡單。
6. Batch Transactions and Atomic Operations
6. 批次交易與原子操作
Smart accounts excel at handling complex, multi-step transactions that would be cumbersome or impossible with traditional wallets. This capability is particularly useful in the world of DeFi, where users often need to interact with multiple protocols in a single operation.
智能帳戶非常擅長處理傳統錢包難以或無法應付的多步驟複雜交易。這對於 DeFi 世界尤其實用，因用戶常常在單次操作中需與多種協議互動。
Batch transactions allow users to bundle multiple operations into a single transaction.
批次交易讓使用者可以將多個操作打包成一筆交易。
This not only saves on gas fees but also ensures that all operations are executed atomically. What it means is that either all operations succeed, or all fail. This atomicity is crucial for maintaining consistency in complex financial operations.
這不僅能節省手續費，同時能確保所有操作具有原子性——要嘛全部成功，要嘛全數失敗。在複雜的金融操作中，這樣的原子性非常關鍵，能維持系統一致性。
Why you might need it?
你為什麼可能會需要這功能？
For example, you might want to withdraw funds from a lending protocol, swap them for another token on a DEX, and then deposit the result into a yield farming contract. With a traditional wallet, you would have to carry three separate transactions, each incurring its own gas fee and requiring user confirmation. A smart account can execute all these steps in one atomic transaction.
舉例來說，你可能想從一個借貸協議提領資金，再到去中心化交易所（DEX）交換成另一種代幣，最後存入到收益農場合約。傳統錢包必須進行三次分別的交易，每次都要支付手續費並手動確認。而智能帳戶則能一次完成所有步驟，而且確保操作原子執行。
This batching capability is particularly powerful when combined with flash loans.
當批次交易與閃電貸款結合時，威力尤為強大。
Flash loans allow users to borrow large amounts of cryptocurrency without collateral, as long as the loan is repaid within the same transaction block. Smart accounts can leverage flash loans to execute complex arbitrage or liquidation strategies that would be impossible for individual users to perform manually.
閃電貸款讓用戶在無需抵押的情況下借用大量加密貨幣，只要在同一個區塊內完成還款即可。智能帳戶可以利用閃電貸執行複雜的套利或清算策略，這是個人用戶手動操作所無法達成的。
Another use case for atomic operations is in decentralized governance. A user could cast votes on multiple proposals across different DAOs in a single transaction, ensuring their voting power is consistently applied across all relevant decisions. A digital democracy of its kind, if you will.
原子操作的另一個應用場景是去中心化治理。用戶能在一次交易中對多個 DAO 的提案投票，確保其投票權能同步應用於所有相關決策。這也可說是一種數位民主。
Batch transactions also open up possibilities for more efficient token management. Users could rebalance their portfolio, claim rewards from multiple protocols, and reinvest them all in one go. This level of automation can significantly reduce the time and cognitive load required to manage a diverse crypto portfolio. A dream for an advanced crypto trader.
批次交易也讓代幣管理變得更有效率。用戶可以在同一次操作中重新平衡投資組合、領取多個協議的獎勵，並進行再投資。這樣的自動化大幅節省了管理多元加密資產投資組合的時間與心力，可說是進階交易者夢寐以求。
7. Advanced Authentication Methods
7. 進階身份驗證方式
Now back to security again.
現在，讓我們回到安全性的話題。
Smart accounts are pushing the boundaries of blockchain authentication. The idea is to move beyond the traditional private key model - which is, let's be sincere, clumsy and not welcoming to novice users - to offer more secure and user-friendly options.
智能帳戶正在突破區塊鏈驗證的界線。目標是拋開傳統的私鑰模式——說實話，這種方式既麻煩又不友善於新手——以提供更安全且更友好的驗證選項。
One of the most promising developments is the implementation of multi-factor authentication (MFA) for blockchain transactions.
其中一項最值得期待的進展，就是將多重驗證（MFA）應用於區塊鏈交易。
This could involve combining something the user knows (like a password), something they have (like a hardware device), and something they are (biometric data).
這可能結合用戶所知道的（如密碼）、擁有的（如硬體裝置）、以及自身特徵（如生物辨識）的多重因素。
For example, a smart account might require both a private key signature and a fingerprint scan to authorize high-value transactions.
例如，智能帳戶可能會要求私鑰簽名和指紋掃描雙重驗證，高價值交易時才可授權執行。
Hardware Security Modules (HSMs) are another advanced authentication method being integrated with smart accounts. These dedicated crypto processors securely manage digital keys for strong authentication. They provide a higher level of security than software-based key storage, as the private keys never leave the secure hardware environment.
硬體安全模組（HSM）也是正導入智能帳戶的先進認證方式。這種專用加密處理器可安全管理數位金鑰，進行強化認證。與軟體金鑰儲存相比，HSM 提供更高層級的安全性，因為私鑰永遠不會離開這個安全硬體環境。
Some smart account implementations are exploring the use of zero-knowledge proofs for authentication.
部分智能帳戶開始探索運用零知識證明作為身份驗證工具。
This cryptographic method allows a user to prove they have the right to access an account without revealing any specific information about their credentials. This could potentially enhance privacy and security in blockchain transactions.
這種加密方式能讓用戶證明他們有權操作帳戶，卻無需洩露具體憑證資訊。這對區塊鏈交易的隱私與安全大有提升空間。
Time-based one-time passwords (TOTP), similar to those used in Google Authenticator, are also being implemented in some smart account systems. This adds an extra layer of security by requiring a time-sensitive code in addition to other authentication factors.
部分智能帳戶系統也導入了類似 Google Authenticator 的基於時間的一次性密碼（TOTP）。用戶除了其他驗證因素外，還須輸入隨時間產生的密碼，進一步增強安全性。
Social logins are being explored as a more user-friendly authentication method. This would allow users to log in to their smart account using credentials from established platforms like Google or Facebook. While this may sacrifice some degree of decentralization, it could significantly lower the barrier to entry for new users. Once you become a more advanced user you can ditch those methods in favor of the more sophisticated ones.
也有專案嘗試以社群帳號登入作為更親民的驗證方式。這讓用戶可以用 Google、Facebook 等現有平台的憑證登入智能帳戶。雖然這部分犧牲了去中心化，但能大幅降低新手進入的門檻。待你成為進階使用者後，就可以改用更高級的驗證手段。
8. Customizable Access Control and Permissions
8. 可自訂的存取控制與權限設定
Smart accounts offer a level of granularity in access control that far surpasses traditional cryptocurrency wallets. This feature allows users to set up sophisticated permission structures, enhancing both security and functionality.
智能帳戶在存取控制的細緻程度上遠超傳統加密錢包。這項功能可讓用戶自訂複雜的權限結構，強化安全性與實用性。
One of the key aspects of this customizable access control is the ability to set different permission levels for different actions.
自訂存取控制的一大特點，是能針對不同行為設定不同權限級別。
While that might sound a bit too geeky, please have a good look at this function.
雖然這聽起來很極客，但請細細體會這個功能。
For instance, a user might set up their account so that small transactions require only a single signature, while larger transfers need multi-sig approval. This tiered approach allows for a balance between convenience for everyday use and enhanced security for high-value transactions.
例如，使用者可以設定小額交易僅需單一簽名，高額轉帳則需多重簽名認可。這種分級設計在日常操作便利性與高額資產安全之間取得平衡。
But there is more to it.
但這還不止如此。
Smart accounts can also implement role-based access control (RBAC). This is particularly useful for corporate or institutional users.
智能帳戶還能實現基於角色的存取控制（RBAC），這對公司或機構用戶尤為有用。
Different members of an organization can be assigned different roles, each with its own set of permissions. For example, a CFO might have full access to all financial operations, while a junior accountant might only be able to view balances and initiate small transfers.
同一組織的成員可分配不同角色，每個角色擁有獨立權限。例如，財務長能操作所有財務事務，而年資較淺的會計可能只被賦予查詢餘額和發起小額轉帳的權限。
And your freedom in managing access right is literally unlimited.
你在控管權限上享有幾乎無限的自由。
Take time-based permissions - another powerful feature. Users can set up temporary access for specific addresses or for certain actions. This could be useful for delegating control during vacations, or for setting up time-limited access for contractors or service providers.
像是基於時間的權限設定，就是另一項強大功能。使用者可為特定地址或操作設置臨時存取權限。例如，出國度假時可暫時授權他人管理，或者對合作廠商、服務提供者設定時效性的權限。
Some smart account implementations allow for the creation of sub-accounts or vaults within the main account. Each of these can have its own set of rules and permissions. This feature is particularly useful for separating funds for different purposes or implementing more complex financial strategies.
部分智能帳戶實作允許在主帳戶下新增子帳戶或資金金庫，各自有獨立的規定及權限。這對於分隔不同資金用途或設定更複雜財務策略特別有幫助。
Another interesting application of customizable permissions is in implementing spending limits. Users can set daily, weekly, or monthly transaction caps for different types of operations or for specific addresses. This can serve as an additional safeguard against theft or unauthorized use.
可自訂權限的另一有趣應用是設定花費上限。用戶可以對不同操作或特定地址設定每日、每週或每月的交易上限，作為防止盜竊或未經授權使用的額外保障。
And back to traders. They can make use of more complex conditional permissions. For example, a smart account could be set up to allow certain actions only if the price of a specific token is within a certain range, or only during specific times of day.
說到進階交易者，他們可以運用更複雜的條件式權限。例如，僅當特定代幣價格在某區間、或僅於特定時段才允許某些行為。
9. Interoperability and Cross-Chain Functionality
9. 互操作性與跨鏈功能
As the blockchain ecosystem continues to expand, with multiple chains and layer 2 solutions gaining prominence, interoperability has become a crucial feature for smart accounts.
隨著區塊鏈生態系日益壯大，多條主鏈和 Layer 2 解決方案逐漸崛起，互操作性成為智能帳戶的關鍵能力。
The ability to seamlessly interact with different blockchain networks and protocols significantly enhances the utility and flexibility of these accounts.
能夠無縫地和不同區塊鏈網路及協議互動，大大提升了這類帳戶的實用性與彈性。
Especially if you are able to do these operations using the single interface.
尤其當你能用同一介面完成所有操作時，便利性更是顯著提升。
Smart accounts can integrate with various blockchain bridges, allowing users to transfer assets between different networks without needing to use separate wallets or exchanges.
智能帳戶可整合多種區塊鏈橋樑，讓用戶跨鏈轉移資產，無需切換錢包或交易所。
For example, a user might hold Ethereum-based tokens, Binance Smart Chain tokens, and assets on Polygon, all managed through the same smart account interface. This not only simplifies asset management but also opens up opportunities for cross-chain arbitrage and yield farming strategies.
例如，用戶可同時持有以太坊、幣安智能鏈和 Polygon 上的資產，並透過同一個智能帳戶介面管理。這不僅簡化了資產管理，也讓跨鏈套利和收益農場有更多機會。
Some smart account versions are exploring the use of interoperable standards like the Inter-Blockchain Communication (IBC) protocol. This allows for more seamless communication between different blockchain networks, enabling complex cross-chain operations to be executed atomically.
部分智能帳戶版本正嘗試導入如跨鏈通訊協議（IBC）等通用標準。這能讓不同區塊鏈網絡間更順利溝通，並使複雜的跨鏈操作也能原子性執行。
Another important aspect of interoperability is the ability to interact with different layer 2 scaling solutions.
互操作性的另一重點，是能和各種 Layer 2 擴展技術互動。
As networks like Ethereum face scaling challenges, many users and applications are moving to layer 2 networks for faster and cheaper transactions.
隨著以太坊等網路面臨擴展性挑戰，許多用戶和應用開始轉向 Layer 2 網路，以獲得更快更經濟的交易體驗。
Smart accounts are there to help. They can facilitate easy movement between the main chain and various layer 2 solutions, helping users to optimize for speed, cost, or security as needed.
智能帳戶正能派上用場。它們協助用戶輕鬆在主鏈與各層 Layer 2 解決方案間切換，讓用戶能彈性最佳化速度、成本和安全。
Cross-chain decentralized exchanges (DEXs) are also being integrated into smart account functionalities. You can swap tokensacross different blockchain networks directly from their smart account interface, without needing to use centralized exchanges as intermediaries.
在不同的區塊鏈網路之間，使用者可以直接從他們的智慧帳戶介面進行操作，無需依賴中心化交易所作為中介。
And there is another concept, worth mentioning.
還有另一個值得一提的概念。
Some advanced smart account implementations are exploring the idea of "chain-agnostic" accounts. This is a truly revolutionary idea of having one consistent address across multiple blockchain networks, simplifying the user experience and enhancing interoperability. It's too early to talk about this concept going live, but this could be a real game-changer.
有些進階的智慧帳戶實作正在探索「鏈無關」帳戶的構想。這是一個非常革命性的想法：在多條區塊鏈網路上擁有同一個一致的地址，大幅簡化用戶體驗並提升互通性。雖然這個概念還未真正實現，但如果能夠落地，將會是產業的重大突破。
10. Regulatory Compliance and Privacy Features
10. 法規遵循與隱私功能
Majority of users are concerned with privacy, but that doesn't imply they are willing to use illegal services.
大多數用戶都很重視隱私，但這並不代表他們願意使用非法服務。
For many DeFi services and platforms regulatory compliance is a bit of a hurdle.
對於許多去中心化金融（DeFi）服務和平台來說，法規遵循是一大挑戰。
And again. Enter smart accounts. They are at the forefront of implementing features that can help users navigate the complex landscape of financial regulations while still maintaining the benefits of decentralized finance.
這時候，智慧帳戶又扮演了關鍵角色。它們領先實作出幫助用戶在複雜的金融監管環境中順利操作，同時保有去中心化金融好處的功能。
One key aspect of regulatory compliance is Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures. Some smart account implementations allow for the integration of on-chain identity verification. Users can attach verified credentials to their account, which can then be used to access services that require KYC without repeatedly going through the verification process.
法規遵循的一個關鍵面向就是「認識你的客戶」（KYC）和「防制洗錢」（AML）程序。有些智慧帳戶實作支援鏈上身份驗證整合。使用者可以將已驗證的認證連結到他們的帳戶，之後在需要 KYC 的服務時就不用重複驗證。
Travel rule compliance is another area where smart accounts can provide solutions. The Financial Action Task Force (FATF) requires that virtual asset service providers (VASPs) exchange certain information about the sender and recipient for transactions over a certain threshold. Smart accounts can be programmed to automatically include this required information in qualifying transactions, ensuring compliance without compromising user privacy for smaller transfers.
旅規（Travel Rule）遵循也是智慧帳戶能解決的另一個領域。金融行動工作組織（FATF）要求虛擬資產服務提供者（VASPs）在超過一定金額的交易時，交換發送者和接收者的特定訊息。智慧帳戶可以被設計為在符合條件的交易中自動加入這些必要的資訊，確保合規的同時，對於小額轉帳則不損害用戶隱私。
Tax reporting is a significant challenge for many cryptocurrency users.
稅務申報對許多加密貨幣用戶來說是一大難題。
Smart accounts can integrate with tax calculation services to automatically track transactions, calculate gains and losses, and even generate tax reports. This can significantly simplify the process of staying compliant with tax regulations across different jurisdictions. Nobody likes calculating their taxes, no doubt. What if you could delegate that to your smart account?
智慧帳戶可以整合報稅服務，自動追蹤交易、計算盈虧，甚至產生稅務報告。這能大幅簡化在不同司法管轄區守法申報的流程。相信沒有人喜歡計算稅金吧？如果這項惱人工作能交給你的智慧帳戶處理，會不會讓你輕鬆許多？
Some smart account implementations are exploring the use of stealth addresses. These are one-time addresses generated for each transaction, making it much more difficult to track a user's transaction history. This enhances privacy while still allowing for the possibility of regulatory compliance when necessary.
有些智慧帳戶實作正探索使用隱身地址。這種地址每次交易都會生成一次性的新地址，使追蹤用戶交易歷史變得更加困難。這種方式提升了隱私性，同時在必要時仍保留合規的可能性。
Another privacy feature being implemented in some smart accounts is the ability to integrate with privacy-focused cryptocurrencies or protocols. For example, a smart account might allow users to easily swap tokens for privacy coins like Monero or Zcash, or to use privacy-enhancing protocols like Tornado Cash, all while maintaining the ability to demonstrate regulatory compliance when required.
另外，一些智慧帳戶還支援與主打隱私的加密貨幣或協定整合。例如，智慧帳戶可能讓用戶輕鬆將代幣兌換成門羅幣（Monero）或 Zcash 等隱私幣，或是使用如 Tornado Cash 這類的隱私增強協定，同時在需要時仍能展示法規遵循的能力。
Selective disclosure is another powerful feature being explored. This allows users to reveal only the minimum necessary information for each interaction. For instance, when making a purchase, a user might only need to prove they're over 18, rather than revealing their exact age or other personal details.
選擇性揭露也是目前正在探索的強大功能。用戶可以只揭露每次互動所需的最基本資訊。例如，在購買時，用戶只需證明自己已滿 18 歲，而不必透露實際年齡或其他個人細節。