非洲數位資產市場成長最快，Telegram 在吸引新用戶方面發揮主要作用

這些社區的主要群體是年輕人和精通科技的人。報告發現，25歲及以下的人口占社區的55%以上。

Africa’s digital asset market has recorded the fastest growth since the beginning of last year, with Telegram playing a primary role in attracting new users, a new report has found.

一份新報告發現，自去年初以來，非洲數位資產市場成長最快，其中 Telegram 在吸引新用戶方面發揮了主要作用。

The report by Seychelles-based digital asset exchange Bitget revealed that between January 2023 and August 2024, digital asset-focused Telegram communities in Africa grew 189% and now boast over three million users.

總部位於塞席爾的數位資產交易所 Bitget 的報告顯示，2023 年 1 月至 2024 年 8 月期間，非洲以數位資產為主的 Telegram 社群成長了 189%，目前擁有超過 300 萬用戶。

The predominant group in these communities is the young and tech-savvy. The report found that those aged 25 and below constitute over 55% of the communities.

這些社區的主要群體是年輕人和精通科技的人。報告發現，25歲及以下的人口占社區的55%以上。

This comes as no surprise. Africa’s population is the youngest globally, with 60% of its population aged below 25 and a median age of 19. In comparison, Europe’s median age is the highest at 44, with North America, Asia and Latin America at 39, 32 and 31, respectively.

這並不奇怪。非洲人口是全球最年輕的，60%的人口年齡在25歲以下，中位數年齡為19歲。歲、32歲和31歲，分別。

This presents some challenges, such as a much higher demand for education and job opportunities for the millions joining the workforce each year. However, it also presents massive opportunities. One of these is a higher propensity for adopting new technologies, which has naturally translated into high adoption of digital assets and blockchain in the region.

這帶來了一些挑戰，例如每年數百萬人加入勞動市場對教育和就業機會的需求更高。然而，它也帶來了巨大的機會。其中之一是採用新技術的傾向較高，這自然轉化為該地區數位資產和區塊鏈的高度採用。

According to the Chainalysis adoption index this year, Nigeria ranked second globally for digital asset adoption, a position it has now held for two consecutive years. Kenya was also previously placed atop the global rankings for peer-to-peer trading three years in a row.

根據今年的 Chainaanalysis 採用指數，尼日利亞在數位資產採用方面排名全球第二，目前已連續兩年保持這一位置。肯亞先前也連續三年在點對點交易全球排名中名列前茅。

The Bitget study expects this trendsetting by African nations to continue. By 2025, over 54 million Africans will be using digital assets, with Nigeria and South Africa expected to have the highest numbers.

Bitget 研究預計非洲國家的這種引領趨勢將持續下去。到 2025 年，將有超過 5,400 萬非洲人使用數位資產，其中尼日利亞和南非的人數預計最多。

According to the exchange, the youthful population is one of several factors pushing adoption in the region, with the others being “economic instability, limited access to banking services and the active advancement of innovation in digital finance.”

該交易所表示，年輕人口是推動該地區採用的幾個因素之一，其他因素包括「經濟不穩定、獲得銀行服務的機會有限以及數位金融創新的積極推進」。

Africa embraces digital assets

非洲擁抱數位資產

For Africa, digital assets represent much more than speculation and quick gains, as revealed by data from Chainalysis. In its report a month ago, the New York analytics firm revealed that Africa ranks highly for blockchain use cases that extend beyond trading. In decentralized finance (DeFi), for instance, the region ranked first globally for DeFi value as a share of overall volume.

Chainaanalysis 的數據顯示，對於非洲來說，數位資產不僅僅意味著投機和快速收益。這家紐約分析公司在一個月前的報告中透露，非洲在貿易以外的區塊鏈用例方面排名很高。例如，在去中心化金融（DeFi）領域，該地區的 DeFi 價值佔總量的比例在全球排名第一。

Stablecoins have also become vastly popular in the continent, and last year, they became the most used digital asset. Africans have been using stablecoins to send value across borders as other traditional options remain costly and inaccessible to those who need them the most. Speaking to CoinGeek earlier this year, Yellow Card, one of the largest pan-African exchanges, revealed that stablecoins now constitute the bulk of its business.

穩定幣在非洲大陸也廣受歡迎，去年，它們成為最常用的數位資產。非洲人一直在使用穩定幣跨境傳送價值，因為其他傳統選擇仍然成本高昂，而且對於那些最需要它們的人來說卻難以獲得。今年早些時候，最大的泛非交易所之一 Yellow Card 在接受 CoinGeek 採訪時透露，穩定幣現在構成了其大部分業務。

Previously, stablecoins were the preserve of retail traders, but as currency devaluations hit most African economies, institutions are turning to the relative stability of the United States dollar that stablecoins offer, revealed Rob Downes, an executive at Absa, one of the five largest banks on the continent.

五家最大銀行之一的南非聯合銀行(Absa) 高管羅布·唐斯(Rob Downes) 透露，此前，穩定幣是零售交易者的專屬，但隨著貨幣貶值打擊大多數非洲經濟體，機構開始轉向穩定幣提供的美元相對穩定性。

“Our institutional clients are particularly interested in using stablecoins as a tool for managing liquidity and reducing exposure to currency volatility. I think stablecoins are going to be the primary use case for crypto in South Africa over the next three to five years,” he stated.

「我們的機構客戶對使用穩定幣作為管理流動性和減少貨幣波動風險的工具特別感興趣。我認為穩定幣將成為未來三到五年南非加密貨幣的主要用例。

Like every other region globally, Africa’s digital asset revolution faces challenges that threaten its progress. The biggest is regulations, with most authorities now becoming more involved after years of a hands-off approach.

與全球其他地區一樣，非洲的數位資產革命也面臨著威脅其進步的挑戰。最大的問題是監管，在經歷了多年的不干涉政策之後，大多數當局現在變得更多地參與其中。

In some countries like Nigeria, regulations have been a major hurdle. The Central Bank of Nigeria (CBN) barred banks from servicing virtual asset service providers (VASPs) for years, and when this was finally overturned, other agencies started their crackdown, alleging digital assets were behind the naira’s woes.

在尼日利亞等一些國家，法規一直是一個主要障礙。尼日利亞中央銀行（CBN）多年來禁止銀行為虛擬資產服務提供者（VASP）提供服務，當這項規定最終被推翻時，其他機構開始進行打擊，聲稱數位資產是奈拉困境的幕後黑手。

In Kenya, the government is threatening hefty taxes, while in Tanzania, Cameroon, Tunisia and other countries, the central banks have continuously discouraged citizens from buying digital assets.

在肯亞，政府威脅要徵收高額稅收，而在坦尚尼亞、喀麥隆、突尼斯等國家，央行則不斷勸阻國民購買數位資產。

Scammers have also tarnished the sector’s image. According to the latest Bitget report, these fraudsters have used social media and instant messaging apps to target their victims with devastating consequences.

詐騙者也損害了該行業的形象。根據 Bitget 的最新報告，這些詐騙者利用社群媒體和即時通訊應用程式來瞄準受害者，造成了毀滅性的後果。

Telegram, in particular, has become a haven for these scammers. The privacy-focused messaging app offers tools for users to easily create communities and groups, which scammers exploit to target newbies. In Kenya, one scam targeted users through Telegram and WhatsApp this year, alleging to offer cloud mining services and claiming affiliation with U.S.-based Marathon Digital Holdings (NASDAQ: MARA).

尤其是 Telegram，已經成為這些騙子的避風港。這款注重隱私的訊息應用程式為用戶提供了輕鬆創建社群和群組的工具，詐騙者利用這些工具來瞄準新手。在肯亞，今年發生了一起透過 Telegram 和 WhatsApp 針對用戶的騙局，聲稱提供雲端挖礦服務，並聲稱與美國 Marathon Digital Holdings（納斯達克股票代碼：MARA）有關。

However, Marathon denied any links to the Kenyan firm, with a representative telling CoinGeek that the company “does not do business in Kenya, and we are not in the business of renting machines.”

然而，Marathon 否認與這家肯尼亞公司有任何联系，其代表告訴 CoinGeek，該公司“不在肯尼亞開展業務，我們也不從事機器租賃業務。”

“The only way to invest in our company is to buy our stock which trades in the US on Nasdaq, ticker MARA,” he added.

「投資我們公司的唯一方法是購買我們在美國納斯達克交易的股票，股票代號為 MARA，」他補充道。

The firm shut down shortly after our inquiry, closed its offices and took off with millions of dollars from Kenyan

在我們調查後不久，該公司就關閉了，關閉了辦事處，並從肯亞帶走了數百萬美元。