HOYA BIT 發表 AI 產品「AI Native Exchange OS」。創辦人彭云嫻推普惠金融四部曲，用戶用語音對話即可查詢與交易，大幅降低投資門檻，致力打造普及且安全的數位金融新入口。
（2026 年 3 月 27 日，台北訊）緊追輝達 NVIDIA GTC 大會熱潮，全球 AI 落地應用的亞洲第一站在 AI EXPO Taiwan 2026 正式登場！台灣加密貨幣交易所 HOYA BIT 也於今（27日） 正式對外發表旗下首個 AI Agent 產品——「AI Native Exchange OS」，由創辦人彭云嫻親自登台揭幕，未來投資人只需透過自然語言對話，即可完成幣價查詢、資產總覽、價格提醒設定乃至實際交易確認，所有操作在單一對話介面一次到位，宣告台灣加密貨幣產業正式進入 AI 驅動的全新時代。
隨著 Nasdaq、Cboe 相繼推動全天候交易，美國《GENIUS Act》確立穩定幣監管框架，加密貨幣已從投資選項演變為全球金融基礎建設，但並非所有人都能跟上這波金融重構。HOYA BIT 創辦人彭云嫻分享：「我看見太多台灣投資人被擋在這場浪潮之外，看不懂術語、沒有背景、沒有時間，或是根本不知道從哪裡開始。這些人並非不想參與，而是從來沒有一個為他們量身打造的入口，這正是我們決定將 AI Agent 帶進交易所的原因。」
AI 推動「普惠金融四部曲」 HOYA BIT 致力打破加密交易門檻
金管會明確指出，台灣步入超高齡社會，金融服務不能只追求數位化，更必須走向真正具包容性的「全齡金融」。對此，HOYA BIT 創辦人彭云嫻提出「普惠金融四部曲」，希望逐步拆解投資過程中的知識、操作、成本與風險門檻，讓投資不再只是少數人的能力，而是成為更多人都能跨出的第一步：
- 第一步：降低知識門檻——加密貨幣的最大門檻從來不是技術，而是語言。AI Native Exchange OS 化身用戶的隨行家教，整合即時行情、新聞與知識檢索，以動態知識注入技術提供精準說明，將艱深術語即時轉化為易懂的日常語言。
- 第二步：降低使用門檻——過去，加密投資人往往得緊盯 K 線、理解專有術語、摸索複雜介面，才能完成一筆交易；如今，AI Native Exchange OS 讓金融服務回歸最直覺的使用方式——只要用自然語言就能完成操作。無論是「幫我查今天比特幣漲跌」或是「幫我用 TWD 下單 30,000 USDT」，AI Native Exchange OS 都能自主理解使用者意圖、規劃執行步驟並經使用者確認後完成下單；用戶也可直接提供預算與偏好，由 AI Native Exchange OS 輔助規劃更合適的投資組合，讓 HOYA BIT 不再只是一個交易 App，而是具備理解能力的金融入口。
- 第三步：降低服務成本——透過 AI Native Exchange OS 自動化處理客服詢問、身分驗證、出入金查詢等高頻標準化流程，大幅降低人工作業成本，讓平台有能力以更低的門檻服務更廣大的用戶群。
- 第四步：提升保護能力——HOYA BIT 創辦人彭云嫻認為：「真正的普惠，不是讓更多人容易進場，而是讓更多人安全地參與。」AI Native Exchange OS 內建異常交易與詐騙情境辨識機制，能在風險發生前主動預警；針對高風險操作，則保留人工審核，透過 AI 與人工協作，為用戶打造更即時、更可靠的安全防線。
圖源：HOYA BIT提供HOYA BIT 創辦人彭云嫻提出「普惠金融四部曲」，以 AI 系統性降低數位金融門檻
加密貨幣成台灣必修課 HOYA BIT 以 AI 打造數位金融新入口
隨著紐約證券交易所（NYSE）將推出 24/7 代幣化證券，全球金融正迎來歷史性重組，加密貨幣不再只是投資選項，而是台灣人無法繞過的必修課。HOYA BIT 的目標，正是成為每位用戶最可靠的入口，不只是交易平台，而是踏入數位金融世界的第一步。
「我們的願景，不只是打造更大的交易所，而是成為台灣數位金融基礎設施不可或缺的一環。」HOYA BIT 創辦人彭云嫻表示，AI Native Exchange OS 只是平台升級的一部分，更重要的是讓服務突破傳統邊界，真正支援每位用戶更安全、順暢地參與數位金融。
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