Cardano 為業界最受矚目平台之一，與 Ethereum 及 Solana 並駕齊驅，但發展路線大相徑庭。
金融與科技正以前所未有的速度融合。十年前區塊鏈尚是一個只與加密貨幣掛鉤的小眾概念，如今已成為金融科技創新的尖端。
銀行、初創企業甚至各國政府都積極應用分散式帳本，簡化支付、記錄等眾多流程。到2025年，全球以區塊鏈為基礎的金融科技投資屢創新高，再次印證該技術將成為全球經濟重要基礎的早前預測。
Cardano於2017年以嚴謹學術、同行評審方式推出，著重形式化驗證及可持續發展，並非市場上部分對手「快速行動」的作風。雖然因此平台成熟較慢——智能合約到2021年底才正式上線——但成功建立起可靠、低費用的聲譽。更重要的是，Cardano自始即關注新興市場及社會效益。Input Output Global（IOG）作為計劃推手，自項目初期已在如非洲地區，積極探索區塊鏈促進金融包容及數碼身份的可能。這個常被稱作「RealFi（真實金融）」的願景，目的是將區塊鏈方案帶給日常大眾，而非僅限加密貨幣交易者。
來到本世代中段，Cardano穩紮穩打的策略開始開花結果。2025年，Cardano從曾被認為的「未來願景」轉化為實際落地，於金融、供應鏈及公共服務等領域陸續誕生真實應用。雖不若部分加密項目吸睛，但這些計劃凸顯了Cardano於主流金融科技角色日益提升。從學生的電子身份認證到新型中小企融資，Cardano區塊鏈正驅動具體實用的應用。以下會詳述2025年Cardano已落地或試點的五個重要應用場景。
普惠金融：非洲市場的小額信貸及房屋融資
2025年Cardano最明顯的實際影響之一，正於非洲金融科技界展現。區塊鏈正在解決當地長期以來信貸及房屋融資不足的問題。在很多非洲國家，大部分人口收入來源於非正式經濟，往往以現金交易且無正式記錄，幾乎難以獲得銀行貸款或按揭。
以肯尼亞為例，這個擁有5,100萬人口的國家，正式發放的按揭僅約27,000宗——只佔家庭總數約0.05%，英國則有逾1,100萬宗按揭。
問題在於，缺乏收入記錄或信貸紀錄的家庭，絕大多數根本「無法按傳統銀行標準取得按揭」 參考資料 。這導致每年數十億美元的房屋融資缺口。針對這一難題，聚焦Cardano的創業者及當地機構改用區塊鏈作為創新途徑——以去中心化帳本及數碼身份建立新型貸款模型，取代傳統紙本信貸分數。
其中，來自莫三比克的Empowa便是先驅案例。Empowa這家金融科技初創運用Cardano，為低收入家庭提供可負擔房屋租購（rent-to-own）小額信貸合約，每一筆付款與業權皆在鏈上不可篡改地記錄，長遠塑造透明的信貸評級紀錄。這種模式成果顯著。Empowa的區塊鏈系統（Empowa Pay）目前為8個非洲國家、18家地產發展商採用，在Cardano上管理著價值850萬美元的住房項目。
靠這套系統，過往被銀行拒之門外的「無法開戶」家庭亦可開始購買環保實惠住房，並以新型方式取得融資。至2024年底，莫三比克新業主已經償還了超過兩成房屋款項，需求及還款表現強勁。
值得一提的是，獲益者中有約一半為女性，體現方案的社會包容性。
金融界同樣重視這類創新。Empowa與非洲最大證券交易所之一的內羅畢證交所（NSE）開展突破性的公私合營合作，探索區塊鏈代幣化房屋融資。NSE正評估通過區塊鏈發行與房屋項目掛鈎的資本工具，專攻肯尼亞每年25億美元的可負擔房屋資金缺口，重點支持非正規經濟領域。構思是透過發行鏈上代幣吸納各類投資者資金，由智能合約負責資金流、持份權和 投資者回報 的追蹤。
教育身份：衣索比亞以區塊鏈發行學生數字身份證
若說哪個項目最早讓Cardano聲名大噪，必數衣索比亞發起的全國教育紀錄區塊鏈改革。這項全球首創計劃，由衣索比亞教育部與Cardano團隊合作，向數百萬學生與教師發行數字身份，把教育數據錨定於Cardano區塊鏈上。
這計劃於2021年公布，為全球規模最大的區塊鏈應用之一，目標是為3,500間學校、500萬學生及75萬名教師提供安全不可篡改的學術紀錄，教師亦可用於 評核與追蹤學生表現。
透過建立終生防偽、不可更改的成績單與身份證，衣索比亞希望優化大學錄取、就業配對及教育部門的總體問責制度。領袖們更認為這是重大躍進——直接由易遺失、易偽造的紙本系統「跳級」到數碼帳本，一躍越過中間技術層。
來到2025年，衣索比亞的區塊鏈身份網絡雖進展比預期慢，但已逐步實現。這套名為Atala PRISM的身份系統，受制於提格雷地區內戰等因素，導致政府資源分散及實施延遲。
原訂於2021年底完成全國500萬學生覆蓋之目標，受到動盪與技術整合阻力而推後。
Cardano創辦人Charles Hoskinson曾坦言有延遲，但確認到2023年學生身份證系統 已投入運作並正持續擴展。
到2023年底，預料可涵蓋100萬名學生，隨著局勢穩定範圍將進一步擴展。
每位學生都會獲發一個專屬區塊鏈身份（通過手機App存取），連結其學業成績、考勤表及其餘成就——全由Cardano帳本記錄。由於數據不可竄改、可驗證，學生更易辦理升學或求職，即使搬遷到海外或調校他區，也可即時獲認證。
防篡改的紀錄防止學歷造假，有效保障學生學業成果，即使更換學校亦不會「消失」。
學生可憑Atala PRISM App自行授權第三方（如大學招生處）查看個人學歷，主動掌控資料分享，而毋須再倚賴學校發紙本證書。
衣索比亞採用的Cardano智能身份，不單止於成績單，更建立起推展全國數碼身份與公共服務的基礎設施。該系統具開放標準，日後可延伸到醫療紀錄、專業認證，甚至電子投票。Hoskinson表示，現有協議雖「以學生證管理為主」，但日後可以「升級」擴展至全面國民身份系統。
公共服務上鏈：阿根廷社會福利試點
區塊鏈打入政府服務領域並不限於非洲。在拉丁美洲，阿根廷成為以Cardano區塊鏈推動公共部門創新的試驗場，聚焦於社會保障及福利計劃。
阿根廷長期深受官僚低效及信任危機困擾。至2024年，在通脹及財政壓力下，政府開始探索以區塊鏈提升社會福利透明度及精準度。
Cardano基金會把握機會，嘗試用區塊鏈技術確保社會資源直接準確發放予正確對象，減少損耗及舞弊。
2024年底，Cardano企業部門與阿根廷... Ministry of Labor and Social Security, as well as the country’s National Technological University. The partnership’s scope is ambitious. It includes authenticating social security benefits, tracking student attendance, digitizing labor union records, and even establishing a blockchain innovation hub in one of Argentina’s provinces.
阿根廷勞工及社會保障部同埋國家科技大學都有份參與呢個合作。今次合作範圍好大，包括驗證社會保障福利、追蹤學生出席情況、電子化工會紀錄，甚至喺阿根廷其中一個省成立區塊鏈創新中心。
At its core, the project uses Cardano’s blockchain to create tamper-proof digital identifiers for citizens interacting with these public programs.
項目核心係用Cardano區塊鏈去為參加公共項目嘅市民創建防篡改嘅電子身份認證。
One immediate application is in disability welfare: by putting the certification of disability status on a secure ledger, the system can guarantee that only legitimately registered individuals receive disability social security benefits, reducing potential abuse.
其中一個即時應用場景就係殘疾福利：將殘疾資格證明記錄落安全賬本，保證只有正式登記嘅人士能夠領取殘疾社會保障金，減少濫用情況。
For education, the partnership is implementing digital IDs for students to record attendance and performance, much like in Ethiopia but with a twist – the goal here is to help development agencies and government funders ensure resources.
教育方面，合作會推行學生電子身份證，用嚟記錄學生出席同學習表現，做法同埃塞俄比亞相似，不過重點係幫發展機構同政府資助方確保資源用得其所。
Essentially, if a rural school in Argentina reports improved attendance via the blockchain system, a development bank can trust that data and perhaps reward the school with additional funding or support.
換句話講，如果阿根廷一間鄉村學校透過區塊鏈系統反映出席率提升，發展銀行就可以信得過啲數據，有機會提供額外撥款或支援獎勵。
Another novel aspect is using Cardano for labor union record-keeping. Argentina has a strong union culture, and maintaining accurate membership and election records is critical. By authenticating union registrations and votes on-chain, the system aims to uphold fairness in labor organizations, shielding them from tampering or political interference.
另一個創新用法係用Cardano管理工會紀錄。阿根廷工會文化盛行，會員同選舉記錄精確好重要。將工會註冊同投票過程放上區塊鏈，旨在保障工會運作公平，避免受干預或偽造。
For Cardano, the Argentine foray is a chance to prove its worth in a complex, real-world environment. Early signs are promising. Frederik Gregaard, CEO of the Cardano Foundation, remarked that “working alongside Argentina’s Ministry of Labor [and others]… sets a powerful precedent for institutional adoption of blockchain” and “can inspire similar initiatives across Latin America”.
對Cardano嚟講，進軍阿根廷係喺複雜現實環境下證明自己價值嘅黃金機會。初步效果都幾正面。Cardano基金會CEO Frederik Gregaard表示：「同阿根廷勞工部等單位合作，為區塊鏈落地機構應用立下強力先例，可以啟發整個拉丁美洲類似計劃。」
Indeed, if Argentina’s experiments show measurable improvements – say, faster processing of benefit claims, or higher school attendance due to better tracking – it could encourage neighbors in the region to follow suit.
如果阿根廷嘅實驗證明有效，例如福利申請處理加快、透過追蹤令學生出席率提升，咁其他地區國家都有機會跟風。
The project is still in pilot phases in 2025, but its significance is hard to overstate: a G20 economy is using a public, decentralized blockchain to enhance core social services. This marks a departure from the private, permissioned ledgers governments have typically favored. Argentina is effectively validating that a public chain like Cardano can meet governmental demands for security and data integrity, without compromising citizen ownership of data.
呢個項目到2025年仲係試行階段，但意義重大：G20經濟體已經開始用公有、去中心化區塊鏈強化基礎社會服務。呢一點打破咗政府以往鍾意私人、授權賬本的做法。阿根廷等於實證咗公有鏈如Cardano都可以符合政府對安全同數據完整性要求，同時又保障市民數據擁有權。
Supply Chain Transparency: From Vineyards to Global Trade
供應鏈透明度──由葡萄園到全球貿易
In the private sector, one of Cardano’s standout use cases of 2025 lies in supply chain and product authenticity.
喺私營市場，Cardano 2025年其中一個最突出嘅應用就係供應鏈同產品真偽認證。
Counterfeit goods and opaque supply chains have long plagued industries from wine to luxury fashion, costing companies and consumers billions. Blockchain’s ability to serve as an immutable ledger of a product’s journey is a natural antidote, and Cardano has joined the ranks of platforms implementing these solutions at scale. The journey began with a bottle of wine – quite literally. Back in 2021, Cardano’s very first supply chain pilot went live in the country of Georgia with a family-owned winery called Baia’s Wine. In partnership with authentication specialist Scantrust, the Cardano blockchain was used to store secure metadata for each bottle of wine, linked via tamper-proof QR codes on the bottle labels.
假貨同黑箱供應鏈一直困擾葡萄酒到奢侈品等行業，令企業同消費者損失以十億計。區塊鏈能夠作為不可更改賬本，清楚記錄產品流向，成為天然解藥。Cardano都參與咗大規模推動呢種解決方案。呢個旅程真係由一瓶葡萄酒開始──2021年，Cardano第一個供應鏈試點喺格魯吉亞一家名叫Baia’s Wine嘅家族酒莊展開，聯同產品驗證專家Scantrust合作，將每瓶酒的安全元數據上鏈，同時利用防篡改QR碼標籤連結。
When a customer scans the QR code, they access a detailed record of that wine’s provenance – from the vineyard harvest, to fermentation dates, to distribution – all anchored to Cardano’s ledger. This allows buyers to instantly verify if the bottle is genuine and learn its “grape to glass” history. The pilot proved successful: within a year of implementation, Baia’s Wine reported increased sales and new export markets opened in Asia, Europe, and the Americas, attributing it to enhanced consumer trust enabled by the transparency of blockchain.
顧客掃QR碼，就可以查到葡萄酒來源資料——由葡萄園收成、發酵日期到出貨流程，全都上咗Cardano賬本。有咗呢個記錄，買家即時驗證真偽，仲可以了解「一粒葡萄到一杯酒」嘅全過程。實踐驗證咗試點成效：Baia’s Wine落實一年內，銷售上升，開拓咗亞洲、歐洲、美洲新市場，全靠靠區塊鏈帶來透明嘅消費者信心。
Building on that success, the use of Cardano for supply chain has expanded. Georgia’s National Wine Agency, the government body overseeing the wine industry, chose Cardano to power a nationwide wine traceability system.
憑住呢個成功，Cardano供應鏈用途再進一步擴展。格魯吉亞國家葡萄酒機構（負責全國酒產業監管）選咗Cardano打造全國性葡萄酒溯源系統。
This program goes beyond one winery – it aims to certify the origin and quality of all Georgian wines for export. By issuing a digital certificate of authenticity (compliant with international wine standards) on Cardano for each batch, Georgia is combating a surge of counterfeit “Georgian” wines that never saw a Caucasus grape. The immutable record on blockchain means that importers or regulators abroad can verify a wine’s origin in seconds, strengthening the brand of Georgia’s 8,000-year winemaking heritage. The challenge of counterfeit wine (and other foods) is not trivial – globally, fake products cost the economy an estimated 3% of trade (over $2.8 trillion) by 2022.
呢個項目唔只限於一間酒莊，而係所有格魯吉亞出口葡萄酒都會有原產地及品質認證。每批酒都喺Cardano上發出電子真品證書（符合國際酒類標準），協助格魯吉亞打擊大量冒牌「格魯吉亞」酒——其實根本冇見過高加索葡萄。由於區塊鏈記錄不能更改，海外買家同監管機構幾秒內就能查到酒嘅真身，大大鞏固格魯吉亞八千年酒業品牌。假酒（同其他假食品）嘅問題唔細——全球假貨2022年已估計佔貿易3%，即超過2.8萬億美元。
For Georgian vintners and many other artisanal producers, Cardano offers a way to protect their reputations in foreign markets without expensive new infrastructure – a smartphone and a QR code suffice to interface with the blockchain.
對格魯吉亞釀酒師同其他手作生產商而言，Cardano提供咗一種保護海外聲譽的簡便低成本方法——只需智能手機配QR碼就可接入區塊鏈。
The impact of these transparency solutions is twofold. First, they empower consumers with trustworthy information. In an age of conscious consumerism, many buyers are willing to pay a premium for verified authentic and ethically sourced goods.
透明化方案有兩大好處。第一，賦予消費者可靠資訊；而喺消費意識強嘅年代，唔少買家願意多付一點錢，去選擇經過驗證、本身來源合乎道德標準嘅產品。
Studies have found over 90% of consumers are more loyal to brands with supply chain transparency, and a significant portion would pay more for such products. Cardano-based tracking gives brands a tool to meet that demand credibly.
有研究話，超過九成消費者會對供應鏈透明嘅品牌更加忠誠，而唔少人願意多付添價。採用Cardano供應鏈追蹤，可以幫品牌真真正正滿足呢種新消費需求。
Telecom and Identity: A New Era for Customer Loyalty
電訊業與身份認證：顧客忠誠度新時代
Even the telecommunications industry – not typically the quickest to adopt new tech – has found a compelling use for Cardano’s blockchain in 2025. The catalyst was an eye-catching partnership announced at the Cardano Summit a few years ago: IOG (Cardano’s developer) joined forces with Dish Network, a Fortune 250 U.S. telecom and media company, to explore blockchain-based services for Dish’s tens of millions of customers.
連一向唔係最先進緊貼新科技嘅電信業，到2025年都搵到運用Cardano區塊鏈的理由。成因係數年前Cardano峰會上公布咗一個矚目合作：IOG（即Cardano開發者）聯同美國財富250大電訊及媒體公司Dish Network，研究為Dish數以千萬計用戶提供區塊鏈服務。
That collaboration has since materialized into a working system that combines decentralized identity (DID) and loyalty rewards on Cardano for Dish’s subsidiary Boost Mobile.
而呢個合作已經變成實際系統──融合Cardano去中心化身份認證（DID）及忠誠度獎勵，率先應用喺Dish旗下Boost Mobile。
Dish owns Boost Mobile, which serves around 9 million wireless customers in the U.S., and those users are at the heart of this blockchain rollout.
Dish係Boost Mobile控股公司，Boost Mobile全美大約有九百萬流動網絡用戶，正正係今次區塊鏈推行對象。
The project, internally dubbed “Project CRONUS” at Dish, essentially brings Cardano onto Dish’s backend to enhance how customer data and rewards are managed.
Dish內部叫呢個計劃做「Project CRONUS」，其實就係用Cardano強化Dish後台管理客戶資料同獎賞方式。
Every Boost Mobile customer is being assigned a decentralized identifier (powered by Cardano’s Atala PRISM technology), allowing them to securely control their own subscriber profile.
每個Boost Mobile客戶都配備一個去中心化身份標識（由Cardano Atala PRISM技術驅動），咁樣就可以安全咁自行掌控自己嘅用戶資料。
For an industry often criticized over data monetization and privacy, it’s a significant philosophical shift.
對長期被批評炒作客戶數據、私隱成疑嘅電信業嚟講，今次轉變堪稱理念革新。
“Decentralized Identity will form the core of this partnership,” Dish’s head of innovation said at the launch, emphasizing that users will be able to “own and secure their own identity without the risk of it being sold”.
Dish創新部門主管開幕時指：「去中心化身份將成為今次合作核心」，重申用戶可以「擁有同保障自己身份，毋須擔心被賣走。」
On the loyalty front, Cardano is being used to mint tokenized loyalty coins (dubbed “Boostcoins”) for the Boost Mobile rewards program.
至於獎賞方面，Cardano會用嚟發行代幣化的忠誠度積分（叫做「Boostcoin」）進入Boost Mobile回饋計劃。
Each time a customer earns loyalty points – whether through paying their bill on time or using certain services – the system mints an equivalent token on the Cardano blockchain. Customers can hold these tokens in a digital wallet and eventually redeem them for service credits, discounts, or even trade them.
每當顧客如期付款或用指定服務賺到積分，系統都會喺Cardano區塊鏈發行對應積分代幣。顧客可以喺電子錢包儲存，之後攞嚟兌換服務、折扣，甚至互相買賣。
Conclusion: Cardano’s Role in an Evolving Blockchain Landscape
總結：Cardano在區塊鏈新格局中的角色
In 2025, Cardano finds itself at an inflection point – no longer just a theoretical platform of the future, but a growing network of practical solutions deployed around the world.
2025年的Cardano，已經來到轉捩點──唔再只係講概念，而係真真正正落地，成為全球多個實用方案的支持網絡。
The five use cases explored here underscore a common theme: Cardano’s technology is being harnessed to address real, often hard, problems that existing systems haven’t solved.
上面介紹過的五大應用，都圍繞一個共通主旨：Cardano技術正被用來解決現有系統未成功處理的真實、甚至相當棘手問題。
From enabling micro-loans in Mozambique to securing student records in Addis Ababa and authenticating wine in Tbilisi, these initiatives span continents and sectors. They also reflect Cardano’s unique strategic focus: many of its headline projects are in emerging economies or in partnership with public institutions. This is a divergence from other leading blockchains, which gained fame largely through DeFi trading, high-frequency markets, or digital collectibles. Cardano’s brand of blockchain adoption is quieter but arguably deeper – embedding into government registries, community lending, and enterprise supply chains that everyday people rely on.
由莫桑比克微型貸款、阿迪斯阿貝巴學生紀錄到第比利斯（Tbilisi）真品酒標，Cardano項目跨越多個洲、行業，更展現其獨特定位：好多重點計劃都專注新興經濟體或與公營機構合作。有別於其他主流鏈靠DeFi、炒賣、NFT起家，Cardano選擇低調但深入民心——直接嵌入政府登記網、社區借貸及企業供應鏈系統，令百姓切身受惠。