你或許聽過智能合約，但「智能帳戶」這項新創卻鮮少人知悉，許多加密貨幣用戶甚至完全陌生。然而，智能帳戶正作為革命性方案登場，帶來深遠影響。
它們正在改變我們與數位資產及去中心化應用的互動方式。但究竟什麼是智能帳戶？你又該如何善用其優勢？
什麼是智能帳戶？
先從基本概念談起。智能帳戶，又稱智能合約錢包，是一種基於區塊鏈的帳戶，當某些條件達成時能自動執行預設動作。是不是讓人想到智能合約？沒錯！但它又是完全不同的一種事物。
與傳統加密錢包只負責儲存私鑰不同，智能帳戶可編程。想像一下，有一個錢包綁定一份智能合約——這就是最簡單的解釋方式。
智能帳戶能在特定情況下持有、發送和接收數位資產，也能與去中心化應用（dApps）及其它智能合約互動。
那麼，為什麼你需要智能帳戶？它們在現實世界有什麼實際應用？讓我們繼續探索。
1. 強化的安全功能
相較傳統加密錢包，智能帳戶提供了大幅升級的安全性，怎麼說呢？
它們內建了多種高階安全機制，毫不誇張地說是完全不同層次的防護。
先從多重簽章功能說起，這讓用戶可設定多位審核人共同批准交易，為帳戶添加多一層的防護，有效避免未經授權的存取。
另一項顯著的安全增強是「時間鎖」機制。用戶可設定交易與執行間的延遲期。
在這段時間，若發現異常可取消該筆交易。這功能對於大額轉帳或錢包有疑似被盜時特別實用。
智能帳戶還能支援更為細緻的存取控制機制。
比如，你可以將不同額度的交易設定為不同的授權層級：小額轉帳只需個人簽章，而大額則需要多位審核。
另一項重點是可設定消費上限，用戶可自訂每日、每週或每月的交易額度。此舉能有效降低帳戶遭駭時的風險。有些智能帳戶甚至允許用戶在帳戶內劃分不同「保險箱」，各自設有不同規則與限制，把風險降到最低。
最後，智能帳戶通常還設有內建的帳戶恢復機制。即使用戶遺失存取權，也可啟動包含可信人脈、等候時限或其他客製條件的救援流程，大幅降低因私鑰遺失而永遠丟失資產的風險。
2. 免手續費（Gasless）交易
Gas 手續費已成為主流區塊鏈網路的重大問題。
智能帳戶正是在此大放異彩。
它最受歡迎的功能之一就是能實現「免 Gas 手續費」操作。在傳統區塊鏈中，使用者須用原生加密貨幣（如 ETH）支付 Gas 費用，對新手和小額用戶來說十分不便。
智能帳戶可以自動幫你支付手續費，有時甚至直接用所轉出的代幣支付。這得益於「Meta-Transaction」機制。
具體做法：用戶簽屬帶有交易細節的訊息，由中繼服務代為支付 Gas 並將交易送進區塊鏈，就是這麼簡單。
另外還有驚喜。
「帳戶抽象化」（EIP-4337）的出現進一步提升這項特性，允許創建「Bundlers」批次處理多筆交易，進一步降低全體手續費。這為區塊鏈帶來更高效率與成本效益，潛在推動大眾加密採用。
有些智能帳戶更能允許由 dApp 開發者或其他第三方贊助特定行為的手續費，大幅優化新手上手體驗與用戶參與度。
值得注意的是，雖然用戶感覺「免 Gas」，但系統內仍有人負責支付這筆費用，只是通常由錢包服務商、dApp 吸收或透過其他方式如手續費、代幣兌換補回。
3. 可程式化的交易邏輯
智能帳戶的真正威力，在於極高的可程式化自由度。
用戶可編寫比單純轉帳複雜得多的交易邏輯，開創自動化理財及 dApp 互動的嶄新可能。
常見應用之一為自動定期付款。你可以設定每隔一段時間，自動將特定數額代幣轉到指定地址，適合訂閱服務、定期存款或 DAO 員工薪資發放。此外，也能大幅精簡企業財務人力需求，節省管理成本。
智能帳戶還可以設定根據條件自動進行代幣交易。
這對加密貨幣交易者來說特別有吸引力。例如，你可設定只要市價達到某特定門檻，就自動兌換代幣，實現更複雜的交易策略，免去手動操作。
智能帳戶強大之處還包括能在單一交易中同時與多個 DeFi 協議互動，這可以說是小型的革命。
例如，你可讓帳戶自動從某平台借貸，然後將資金投入另一平台提供流動性，並將產出的 LP 代幣質押——這一切只需一次原子級的操作。如此可組合性，讓過去難以實現的 DeFi 策略得以自動化。
還能進一步設計自動避險、定期購買特定代幣等複雜金融工具。
此可編程彈性也適用於 DAO 多簽錢包的複雜治理模型設計，強化組織決策透明度與效率。
4. 與 DeFi 協議整合
智能帳戶與廣大的去中心化金融（DeFi）生態系無縫整合。這使用戶可直接於錢包介面享受各式金融工具，無需切換多個平台或管理多組帳號。
這對新手尤其便利，老手在多平台操作時也會發現其極大優勢。
其中一大好處是能直接參與借貸協議，用戶可提供資產作為抵押、借款或賺取利息，像 Aave、Compound、MakerDAO 等熱門協議，幾個步驟就能完成。
去中心化交易所（DEX）也是 DeFi 生態的重要環節，智能帳戶可直接與其互動。
用戶可用錢包輕鬆兌換代幣、為交易對提供流動性，或管理在 Uniswap、SushiSwap 這類 AMM 的頭寸。便利性有時等於更高的利潤，省下大量時間。
使用智能帳戶還可自動參與「收益農耕」與「流動性挖礦」，自動質押、領獎並再投資多個協議。這類自動化能顯著提升資產收益效率。
不只如此。
智能帳戶還可支援選擇權、期貨、合成資產等進階 DeFi 工具。像 Synthetix、Opyn、dYdX 等平台可直接進入，方便資深交易者打造更複雜的策略。
智能帳戶還能整合跨鏈橋、Layer 2 等技術，促進不同區塊鏈或二層解決方案之間暢通轉帳，實現更高互通性與擴展性。
5. 社交恢復與帳戶抽象化
智能帳戶你絕對會喜歡的另一大神功能。
想想你有多怕遺失非託管錢包的助記詞吧！
社交恢復功能正是解決用戶最怕永久失去資產的痛點，帶來突破性的改變。它允許你指定一組可信朋友、聯絡人或裝置，當發生意外時協助帳戶恢復。
通常會有時間鎖設計，如果用戶遺失帳戶存取權，可啟動一段等待期的恢復申請流程。 The designated guardians then have a set period to approve or reject the request. This provides a balance between security and recoverability.
指定的監護人會有一段時間來批准或拒絕請求。這在安全性與可恢復性之間取得了一個平衡。
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.
有些智慧帳戶的版本允許更複雜的恢復機制。例如，使用者可以設定一個系統，讓五位指定監護人中的任何三人都可以批准恢復請求。這能提供多一層防範潛在串謀的安全保障。
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方案，接下來的介紹一定會讓你感興趣。
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.
「帳戶抽象化」（Account Abstraction, AA）將安全性的概念推向新高度。這是以太坊提出的一項升級（EIP-4337），能讓帳戶型態更加彈性。透過 AA，用戶帳戶（EOAs）與合約帳戶的界線變得模糊，從而實現各種全新可能。
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 的一個關鍵特色是允許用戶變更帳戶驗證機制。用戶可以從傳統私鑰切換為更先進的方法，例如多因素認證、生物識別，甚至是抗量子密碼學技術。
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 也支援更靈活的手續費支付方式。帳戶可以設定用非主網幣的代幣支付手續費，甚至讓第三方贊助費用。這能大幅降低新手入門的門檻。
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 的另一個重點是提升互通性。智慧帳戶可以被設計成跨多個區塊鏈運作，大幅簡化跨鏈互動和資產管理。
6. Batch Transactions and Atomic Operations
6. 批次交易及原子性操作
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.
智慧帳戶在處理複雜、多步驟的交易運作上表現出色，這些操作在傳統錢包上繁瑣甚至無法完成。這項能力對於 DeFi 世界尤其重要，用戶經常需要在單一流程中接觸多個協議。
Batch transactions allow users to bundle multiple operations into a single transaction.
批次交易讓用戶能將多個動作包裹起來，在一次交易中完成。
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.
這不只節省 Gas 費用，也確保所有動作以原子性方式執行：要嘛全部成功，要嘛全部失敗。這種「原子性」對於維持複雜金融操作的一致性極為關鍵。
Why you might need it?
為什麼你會需要這個功能？
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.
比方說，你可能想從某個借貸協議提領資金，然後在 DEX 上交換成另一種代幣，最後再存入收益農場合約。用傳統錢包，你必須分三次操作，每次都要花 Gas 費及用戶確認。利用智慧帳戶，這些步驟可全部融合為一個原子性交易完成。
This batching capability is particularly powerful when combined with flash loans.
當這種批次功能與閃電貸（Flash Loan）結合時，威力更強大。
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.
閃電貸允許用戶無需抵押品就能借入大量加密貨幣，只要在同一交易區塊內還清即可。智慧帳戶能利用這種方式執行複雜的套利或清算策略，這些都是一般用戶手動難以完成的。
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.
原子操作的另一應用是在去中心化治理。用戶可以在單一交易中對多個 DAO 的提案同時投票，確保其投票權利一致地體現在所有決策上。堪稱數位民主的範例。
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.
批次交易也讓更有效率的代幣管理成為可能。用戶可一次性調整資產配置、領取多個協議的獎勵並重新投資。此種自動化大幅降低管理多元加密資產的時間與思考負擔，堪稱進階交易者的夢想。
7. Advanced Authentication Methods
7. 進階驗證方式
Now back to security again.
我們再度回到安全性的議題。
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.
智慧帳戶正在打破區塊鏈驗證的框架。重點在於超越傳統私鑰模型——坦白說，相當笨重且對新手不友善——提供更安全、易用的選擇。
One of the most promising developments is the implementation of multi-factor authentication (MFA) for blockchain transactions.
其中最具前景的發展是將多因素認證（MFA）導入區塊鏈交易。
This could involve combining something the user knows (like a password), something they have (like a hardware device), and something they are (biometric data).
這可能會結合用戶所知（密碼）、用戶所持（硬體設備）、以及用戶特徵（生物辨識）等多種因素。
For example, a smart account might require both a private key signature and a fingerprint scan to authorize high-value transactions.
比方說，高價值交易授權時，智慧帳戶可能同時需要私鑰簽名與指紋辨識。
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）也是正逐漸導入智慧帳戶的進階驗證方式。這些專用加密處理器能安全管理數位私鑰，並進行強力驗證。相比軟體儲存私鑰，HSM 帶來更高安全性，私鑰自始至終不會離開安全的硬體環境。
Some smart account implementations are exploring the use of zero-knowledge proofs for authentication.
部分智慧帳戶設計開始探索以零知識證明技術做驗證。
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.
這種加密方式讓用戶無需透露具體資訊，就能證明自己有存取帳戶的權限，進一步提升區塊鏈交易的隱私與安全。
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.
以時間為基礎的一次性密碼（TOTP），如 Google Authenticator 所用，也已導入至部分智慧帳戶系統。這種方式需額外輸入時間限定的驗證碼，進一步強化安全層級。
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.
社交登入正在作為一種更親切的身份驗證選項被探索。這讓用戶可以直接用 Google 或 Facebook 等主流平台的憑證登入智慧帳戶。雖然這會犧牲一部分去中心化，但能明顯降低新手進入的門檻。等你成為進階用戶後，再換用更複雜的驗證方式即可。
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.
智慧帳戶在存取控制上擁有遠超傳統加密貨幣錢包的精細度。這讓用戶能設定複雜的權限結構，同時提升安全性和功能性。
One of the key aspects of this customizable access control is the ability to set different permission levels for different actions.
這種可自訂權限的一大重點是能為不同操作設定不同的權限等級。
While that might sound a bit too geeky, please have a good look at this function.
或許聽起來有點宅，但值得好好了解這個功能。
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，用戶可以設定小額交易只需單一簽章，大額轉帳則需多重簽章批准。這種分級方式兼顧日常便利性與大額安全性。
But there is more to it.
但這不只如此。
Smart accounts can also implement role-based access control (RBAC). This is particularly useful for corporate or institutional users.
智慧帳戶還能實現基於角色的存取控制（RBAC），對企業或機構用戶更為實用。
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.
組織內不同成員可被分配不同角色，各自擁有專屬權限。比如，財務長（CFO）能全面管理財務動作，基層會計則只可查詢餘額與啟動小額轉帳。
And your freedom in managing access right is literally unlimited.
在權限管理上，你的自由度幾乎無限大。
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.
再比如「時間限制權限」——用戶能針對特定地址或行為設置臨時性權限。這可用來在休假期間委任管理，或讓外包或服務供應商短期操作。
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.
部分智慧帳戶支援在主帳下建立子帳或金庫，每個都可有不同規則與權限。這特別適合依照用途拆分資金，或設計複雜財務策略。
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.
可自訂權限的另一亮點是「消費上限」。用戶能針對不同操作和地址設定每日、每週或每月的限額，為防止盜用或未經授權使用再多設一道保障。
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.
對交易員來說，也能設計更複雜的條件式權限。比如，僅當某代幣價格在特定範圍內、或只在某幾個時段，才允許執行指定操作。
9. Interoperability and Cross-Chain Functionality
9. 互通性與跨鏈功能
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.
隨著區塊鏈生態系不斷擴大，多鏈與二層解決方案日益重要，互通性已成為智慧帳戶的關鍵特色。
The ability to seamlessly interact with different blockchain networks and protocols significantly enhances the utility and flexibility of these accounts.
能夠無縫互操作多個區塊鏈網路與協議，大大提升帳戶的實用性和彈性。
Especially if you are able to do these operations using the single interface.
尤其當你能用單一介面完成這些操作時，更是便利。
Smart accounts can integrate with various blockchain bridges, allowing users to transfer assets between different networks without needing to use separate wallets or exchanges.
智慧帳戶可結合多種區塊鏈橋樑協議，讓用戶無需切換錢包或交易所即可跨鏈搬運資產。
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.
比如，用戶可以同時持有 Ethereum、Binance Smart Chain 和 Polygon 上的資產，統一用同一個智慧帳戶管理。這不只簡化資產管理，還開啟跨鏈套利和收益農耕的新機會。
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.
部分智慧帳戶還正在探索如 IBC（區塊鏈間通信協議）等互通標準，讓不同區塊鏈間能夠無縫溝通，並以原子性方式執行複雜的跨鏈操作。
Another important aspect of interoperability is the ability to interact with different layer 2 scaling solutions.
互通性的另一重點是能和各種 Layer2 擴容方案協作。
As networks like Ethereum face scaling challenges, many users and applications are moving to layer 2 networks for faster and cheaper transactions.
隨著像 Ethereum 這類主網遇到擴容瓶頸，越來越多用戶和應用轉向 Layer2，追求更快與更便宜的交易。
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.
智慧帳戶正好可以助一臂之力：協助用戶在主鏈與多個 Layer2 之間輕鬆移動資產，靈活根據需求優化速度、成本或安全性。
Cross-chain decentralized exchanges (DEXs) are also being integrated into smart account functionalities. You can swap tokens
跨鏈去中心化交易所（DEX）也已整合進智慧帳戶功能，你可以直接兌換代幣across different blockchain networks directly from their smart account interface, without needing to use centralized exchanges as intermediaries.
直接從他們的智能帳戶介面在不同區塊鏈網路間跨鏈操作，無需使用中心化交易所作為中介。
And there is another concept, worth mentioning.
另外還有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.
有些先進的智能帳戶實現正在探索「鏈無關帳戶」的概念。這是一個非常革命性的想法，可以在多個區塊鏈網路上擁有一組一致的地址，簡化使用者體驗並提升互通性。目前這個概念離正式上線還言之過早，但它確實可能徹底改變生態。
10. Regulatory Compliance and Privacy Features
Majority of users are concerned with privacy, but that doesn't imply they are willing to use illegal services.
大多數使用者都關心隱私，但這並不表示他們願意使用非法服務。
For many DeFi services and platforms regulatory compliance is a bit of a hurdle.
對許多去中心化金融（DeFi）服務和平台來說，符合法規是一大挑戰。
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，智能帳戶再次成為關鍵。它們率先實作了許多功能，協助使用者在複雜的金融法規環境中穿梭，同時維持去中心化金融的優勢。
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.
法規遵循的一個重點是「了解你的客戶」（KYC）及反洗錢（AML）程序。有些智能帳戶實作支援鏈上身份驗證。使用者可以將已驗證的身份憑證綁定到帳戶，之後在需要KYC的服務存取時，也不必重複驗證流程。
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.
「旅行規則」合規是另一個智能帳戶可以協助的領域。金融行動特別工作組（FATF）要求虛擬資產服務供應商（VASP）在超過一定金額的交易時，交換發送方及接收方相關資訊。智能帳戶可以被程式化，自動在達門檻的交易內附上所需資訊，確保合規，同時對小額交易則不影響用戶隱私。
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?
智能帳戶可以整合稅務計算服務，自動追蹤交易、計算損益，甚至生成稅務報表。這能大幅簡化在不同法域遵守稅規的過程。畢竟沒有人喜歡算稅，如果你能把這件事交給智能帳戶處理呢？
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.
有些智能帳戶甚至正在探索「隱身地址」的應用。這類地址可為每筆交易生成一次性收款地址，讓追蹤用戶交易歷史變得更加困難，提升隱私，同時在必要時也保留法規合規的可能性。
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.
另一項在部分智能帳戶上實現的隱私功能，是與重視隱私的加密貨幣或協議整合。例如，智能帳戶可能允許用戶輕鬆兌換隱私幣，如Monero或Zcash，或使用增強隱私協議（如Tornado Cash），同時在需要時仍能證明符合法規要求。
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」是另一個極具潛力的功能。這讓使用者在每次互動時僅揭露最低限度的必要資訊。例如，購物時只需證明自己已滿18歲，無需透露實際年齡或其他個資。