Cardano 與 Ethereum、Solana 並列為業界最受矚目的平台之一，但其發展路徑截然不同。
金融與科技界融合的腳步愈加加快。十年前，區塊鏈還只是與加密貨幣崛起綁定的小眾概念；如今，它已站在金融科技創新的最前線。
無論是銀行、新創公司，甚至各國政府，都開始採用分散式帳本來簡化支付、紀錄管理等各項流程。到了2025年，全球在區塊鏈金融科技上的投資達到空前規模，驗證了這項技術有望成為全球經濟重要架構的預言。
Cardano於2017年推出，採學術化、同儕評審方法，優先重視形式驗證及可持續性，而未盲從其他競爭者強調的「快速行動」思維。雖然這意味著平台成熟速度較慢——Cardano的智慧合約直到2021年底才啟用——但卻樹立了可靠、低費用的好口碑。最關鍵的是，Cardano從創立起就專注於新興市場及社會影響。由Input Output Global (IOG) 支持的此專案，自始就在非洲等地探索區塊鏈提升金融普及與數位身份的潛力。這種願景經常被稱為「RealFi」（真實金融），目標是為一般大眾帶來區塊鏈解決方案，而非僅是加密貨幣交易者。
步入本世紀中葉，Cardano耐心的策略已開始結果。2025年，Cardano正由承諾走向落地，品牌實際應用遍佈金融、供應鏈與公共服務領域。雖然不如某些加密貨幣專案吸睛，這些行動卻更加凸顯Cardano在主流金融科技角色的成長。從學生數位身分認證到中小企業創新融資，Cardano區塊鏈正在為現實世界應用提供具體效益。以下章節，我們將檢視2025年Cardano五項最重要、已上線（或試點）現實應用案例。
金融普惠：非洲小額信貸與住宅融資創新
Cardano於2025年最明顯的影響，就是協助非洲金融科技攻克長期困擾的信貸與住宅融資缺口。在許多非洲國家，大多數人從事現金型、無正式紀錄的非正規經濟，幾乎無法申請銀行貸款或房貸。
以肯亞為例，人口五千一百萬，全國僅有約27,000筆正式核發的房貸——只佔家庭數的0.05%——對比英國的房貸戶數超過1,100萬，落差極大。
挑戰在於，沒有可查驗的正式收入或信用紀錄，多數非洲家庭根本「無法符合傳統銀行房貸資格」。這導致住宅資金嚴重短缺，每年有數十億美元資金缺口。Cardano相關創業者與在地機構看準此痛點，開始以區塊鏈做為替代解方——推出以分散式帳本和數位身分取代紙本信用分數的嶄新融資模式。
Empowa是一家立足莫三比克的創新金融科技公司，利用Cardano解鎖可負擔住宅。Empowa平台運用Cardano區塊鏈記錄與管理「以租代買」房屋微型金融合約，使低收入家庭可透過每月租金逐步購屋。
每筆付款與產權都永久上鍊，逐步累積透明的信用紀錄。此模式成效斐然。Empowa的區塊鏈系統（Empowa Pay），已被8個非洲國家的18家建商採用，在Cardano追蹤高達850萬美元的住宅專案。
透過這套機制，原本被銀行定義為「無法放款對象」的家庭得以買到氣候友善、可負擔的房子，且取得資金全憑Cardano。到2024年底，莫三比克新買主已還款超過住宅總價的20%，展現強勁需求與良好償還表現。
值得一提的是，受益家庭約有半數為女性，凸顯此模式在社會包容性的貢獻。
金融界廣泛關注這趨勢。Empowa已與非洲最大證券交易所之一——奈洛比證交所（NSE）攜手，啟動住宅資產代幣化融資模式的公私協力案。NSE希望透過區塊鏈創造新的資本工具，瞄準肯亞年25億美元的住宅融資缺口，重點鎖定非正規經濟族群。
架構設想是發行與住宅專案掛鉤的區塊鏈代幣，透過智能合約追蹤現金流、產權與投資人報酬。
教育身分認證：衣索比亞學生區塊鏈數位ID
Cardano最早聲名大噪的案例，就是衣索比亞政府大膽用區塊鏈翻轉全國教育證件系統。這是全球首見的全國性專案——衣索比亞教育部與Cardano團隊合作，為數百萬學生及教師發行數位身分證、將學業紀錄上鍊。
這套2021年宣佈的專案，是全球最大規模的區塊鏈佈署，規劃服務3,500校、500萬學生及75萬教師，管理其成績與表現紀錄。
有了防竄改、可追溯的數位學籍證明，衣索比亞不僅有助於大學招生、就業媒合與整體教育問責，也讓全國教育紀錄躍進——直接由常遺失、易偽造的紙本時代跨越至先進的分散式帳本。
來到2025年，雖然計畫受戰事波及延誤，但衣索比亞區塊鏈學籍ID系統漸步上軌道。該系統Atala PRISM因提格瑞地區內戰，面臨部署資源與政府重心轉移等挑戰。
原預計2021年底讓500萬名學生全面加入，實際進度因動盪與技術整合遲緩而延後。
Cardano創辦人查爾斯·霍斯金森坦言專案有延誤，但據2023年確認學籍ID系統已上線運作並加速擴展。
2023年底前預計涵蓋100萬名學生，隨國內局勢平穩，持續擴大。
每位學生均配置專屬區塊鏈ID（可經手機應用程式存取），將其成績、出席與各項成就等紀錄綁定上鍊。這些資料不可竄改且可驗證，學生即使遷校或出國，學歷都能即時由企業或學校核實。
不可偽造的紀錄阻斷舞弊、確保學生成就記錄不因轉學遺失。
學生本身可透過Atala PRISM應用授權第三方（如大學招生單位），自主決定何時分享個人成績與資料。相較於仰賴學校發紙本證書，學生成為自己成就的主控者。
衣索比亞以Cardano打造ID，意義遠超報告卡，是更完整數位身分與公部門服務的基礎架構。系統依循開放標準，未來可延伸至醫療紀錄、專業證照甚至電子投票。霍斯金森指出，現有合約雖定位於「學生證照管理」，但可升級／串接全面國民電子身分平台。
公益福利上鏈：阿根廷公共服務區塊鏈試點
區塊鏈介入政府服務的步伐不限於非洲。在拉丁美洲，阿根廷成為Cardano技術於公共領域——尤其社福與社會保障——的試驗場。
阿根廷長年因行政效率低落、公信力薄弱而苦。2024年，面臨高通膨與財政壓力下，政府開始嘗試區塊鏈科技改善社福給付透明度與精準發放。
Cardano基金會也藉此機會把技術落實在最關鍵場景：確保正確人獲得正確福利、公部門資源盡量精準發放，減少舞弊與資金流失。
2024年底，Cardano企業團隊與阿根廷... 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.
阿根廷的勞工與社會保障部以及國家技術大學參與了這項合作。這項合作的範圍非常宏大，涵蓋了社會福利的驗證、學生出席情況的追蹤、工會資料的數位化，甚至還將在阿根廷某省建立一個區塊鏈創新中心。
At its core, the project uses Cardano’s blockchain to create tamper-proof digital identifiers for citizens interacting with these public programs.
這個計畫的核心是運用Cardano區塊鏈為參與上述公共計畫的公民建立防篡改的數位識別。
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.
一項即時的應用場景在於身心障礙福利：通過將身心障礙狀態認證放在安全帳本上，系統可以確保只有合法登記的人士才能領取身障社會福利金，減少濫領的可能性。
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.
在教育方面，這項合作正為學生導入數位身分識別，用以記錄出席與表現，和衣索比亞的應用相似但略有不同——這裡的目的是幫助發展機構和政府出資者確保資源用途。
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.
舉例來說，如果阿根廷某個鄉村學校透過區塊鏈系統回報學生出席率提升，發展銀行就能信任這項數據，進而有可能提供更多經費或資源獎勵該校。
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.
另一個創新之處，是利用Cardano來紀錄工會資料。阿根廷的工會文化深厚，因此維護正確的會員和選舉紀錄相當重要。通過在區塊鏈上驗證工會註冊及投票，系統希望確保工會運作的公平性，免於竄改或政治干預。
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”.
對於Cardano而言，進軍阿根廷是一項在複雜現實環境中證明自身價值的機會。初步成效相當鼓舞人心。Cardano基金會執行長Frederik Gregaard表示：「與阿根廷勞工部等機構合作，為區塊鏈在機構層級的採用建立了強而有力的先例，也能激勵拉丁美洲地區其他類似創舉。」
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.
確實，若阿根廷的試點能展現具體成效——例如福利申請處理速度提升、或因更佳追蹤機制而提高學校出席率——就可能促使區域鄰國仿效。
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.
該計畫至2025年仍屬試點階段，但其意義斐然：一個G20經濟體開始運用公開、去中心化的區塊鏈來強化基礎社會服務，這和政府過去偏好的私有、許可制帳本有很大不同。阿根廷正實證公有鏈（如Cardano）能滿足政府對安全與數據完整性的要求，同時不犧牲公民對自身資料的擁有權。
Supply Chain Transparency: From Vineyards to Global Trade
供應鏈透明化：從葡萄園到全球貿易
In the private sector, one of Cardano’s standout use cases of 2025 lies in supply chain and product authenticity.
在民間企業領域，Cardano於2025年最亮眼的應用之一，就是供應鏈及產品真偽的驗證。
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.
假冒品與不透明的供應鏈，長久以來困擾著從葡萄酒到奢侈時尚的各行各業，每年造成企業與消費者損失巨大。區塊鏈可作為產品履歷的不可竄改帳本，是針對此問題的天然解方，而Cardano也加入了這一類型解決方案的推動行列。一切始於一瓶葡萄酒。早在2021年，Cardano的第一個供應鏈試點專案就在喬治亞共和國與家族酒莊Baia’s Wine合作啟動。藉由與防偽專家Scantrust合作，區塊鏈被用於儲存每瓶葡萄酒的安全元數據，並透過瓶身防篡改QR碼連結上鏈。
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.
當消費者掃描QR碼時，即可存取該瓶酒從葡萄園採收、發酵日期、配送等完整履歷，所有資訊皆固定在Cardano的帳本上。這讓消費者能立即驗證商品真偽，也能了解從「葡萄到酒杯」的全程歷史。此試點計畫成果顯著︰實施一年內，Baia’s Wine銷售額增加，並打入亞洲、歐洲和美洲的新出口市場，其關鍵即來自區塊鏈透明機制帶來的消費者信任。
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.
建立在這些成果之上，Cardano於供應鏈的應用快速擴展。喬治亞國家葡萄酒局（負責全國葡萄酒產業的主管機關）選擇以Cardano作為全國葡萄酒可追溯系統的基礎。
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.
這個項目並不只限於單一酒廠，它的目標是對所有外銷喬治亞葡萄酒的產地與品質進行認證。每一批酒都會在Cardano上發行符合國際標準的數位真品證書，從而對抗那些實則並非高加索葡萄產區生產的假冒「喬治亞酒」。區塊鏈的不可竄改紀錄，讓海外進口商或監管單位能於數秒內查證產品產地，進一步強化喬治亞八千年釀酒文化的品牌價值。假酒（以及其他仿冒食品）的問題不容小覷——全球假貨於2022年就造成經濟損失超過2.8兆美元（約佔全球貿易總額3％）。
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.
對喬治亞酒莊及眾多工藝型生產者來說，Cardano提供了無需高成本設施、卻能保護其在海外市場聲譽的方法——一支手機加一張QR碼即可和區塊鏈對接。
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.
這類透明解決方案帶來的影響有兩方面。首先，消費者可以取得可信賴的產品資訊。在注重道德消費的時代，許多買家願意為真正驗證過、來源明確的產品支付更高溢價。
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.
研究顯示，超過九成消費者會更忠於供應鏈透明的品牌，而且有相當比例的人樂意為此多付一些金額。基於Cardano的追蹤機制，為品牌提供了可信賴地滿足此一需求的工具。
Telecom and Identity: A New Era for Customer Loyalty
電信與身分：客戶忠誠新紀元
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.
即使是向來對新技術接受度不算高的電信業，也於2025年發現了Cardano區塊鏈的獨特應用。這起變革始於幾年前在Cardano高峰會上宣布的備受矚目合作：開發商IOG與美國財星250大電信暨媒體公司Dish Network攜手，為Dish數千萬用戶探索基於區塊鏈的服務。
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.
這項合作實際落地成為一套應用系統，目前已結合去中心化身分（DID）和Cardano上的忠誠獎勵計畫，導入於Dish旗下的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擁有的Boost Mobile於美國服務約九百萬用戶，而這些用戶正是這波區塊鏈落地計畫的中心。
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內部將此稱為「Project CRONUS」，本質上是將Cardano整合進Dish的後台，以優化客戶資料及獎勵管理。
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.
每位Boost Mobile用戶都會分配到一個去中心化識別碼（由Cardano的Atala PRISM技術支援），讓他們可以安全掌控自己的訂戶資料。
For an industry often criticized over data monetization and privacy, it’s a significant philosophical shift.
這對一直被批評數據商業化和隱私問題的業界，是一項理念上的重大轉變。
“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創新部門主管於啟動儀式表示：「去中心化身分認證將是這次合作的核心，使用者可真正安全地擁有自己的身份資料，不需擔心被轉賣。」
On the loyalty front, Cardano is being used to mint tokenized loyalty coins (dubbed “Boostcoins”) for the Boost Mobile rewards program.
在忠誠度方案方面，Cardano被用來鑄造Boost Mobile獎勵計畫的代幣化點數（稱為「Boostcoins」）。
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.
每當用戶達成如準時繳費、使用特定服務等賺取點數時，系統就會在Cardano區塊鏈上對應鑄出等值代幣。用戶可將這些代幣保存在數位錢包，日後兌換話費、折扣，甚至進行交易。
Conclusion: Cardano’s Role in an Evolving Blockchain Landscape
結論：區塊鏈發展格局下Cardano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年的今天，Cardano來到了一個轉捩點——它已不再只是未來想像中的理論平台，而是正逐步在全球各地實際落地解決各種問題的區塊鏈網路。
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.
上述五大應用案例都強調了一個共同主軸：Cardano的技術正在被用來解決現有體制難以處理、甚至長年未解的現實難題。
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.
包含莫三比克的微型貸款、亞的斯亞貝巴的學生資料管理，以及第比利斯的葡萄酒驗證，這些專案橫跨洲際與產業，反映出Cardano的獨特策略重心：其許多核心專案皆聚焦於新興市場或與公部門攜手推動。這與多數主流區塊鏈靠去中心化金融（DeFi）、高頻交易或數位收藏品打響名號截然不同。Cardano的區塊鏈推廣雖「低調」，卻更貼近基層、深耕政府機構登錄系統、社區放款、企業供應鏈等民生細節。