澳洲的加密貨幣創新落後；政策制定者和銀行敦促加強力

澳洲政策制定者和傳統金融機構需要加強其方法，以迎接新興的加密獨角獸浪潮。儘管該國在加密貨幣領域進行了創新，但由於缺乏明確的監管，澳洲在零售和機構對數位貨幣的需求方面仍然落後。 Coinbase 亞太區董事總經理 John O'Loghlen 強調澳洲需要提升其監管框架以吸引和支持加密獨角獸的成長，並強調該行業估值數十億美元的潛力。

Australia's Crypto Innovation Lagging, Policymakers and TradFi Firms Urged to Embrace Advancements

澳洲的加密貨幣創新滯後，政策制定者和 TradFi 公司敦促擁抱進步

Amidst the burgeoning global crypto sector, Australian policymakers and traditional finance (TradFi) institutions are facing increasing pressure to enhance their innovation and embrace the transformative potential of cryptocurrencies. According to John O'Loghlen, Managing Director of Coinbase APAC, Australia's current performance in the crypto space falls short of the innovation emanating from the sector and fails to meet the evolving demands of retail and institutional investors.

在全球加密貨幣產業蓬勃發展的背景下，澳洲政策制定者和傳統金融 (TradFi) 機構面臨越來越大的壓力，需要加強創新並擁抱加密貨幣的變革潛力。 Coinbase 亞太區董事總經理 John O'Loghlen 表示，澳洲目前在加密貨幣領域的表現未能達到該行業的創新水平，也無法滿足散戶和機構投資者不斷變化的需求。

Policy Lag Impedes Crypto Unicorn Growth

政策滯後阻礙了加密獨角獸的成長

O'Loghlen emphasized the urgent need for regulatory clarity around crypto assets, particularly for the imminent wave of "crypto unicorns" – startups with billion-dollar valuations. He highlighted the crucial role of a well-defined regulatory framework in facilitating appropriate funding and growth for these innovative companies, which have the potential to become the next Canva, Xero, or Atlassian.

奧洛格倫強調，迫切需要對加密資產進行明確的監管，特別是對於即將到來的「加密獨角獸」浪潮（估值數十億美元的新創公司）。他強調了明確的監管框架在促進這些創新公司適當融資和發展方面的關鍵作用，這些公司有潛力成為下一個 Canva、Xero 或 Atlassian。

"I don't think the penny's dropped in Canberra or on the high street in terms of just how much great human capital there is in Australia," O'Loghlen told Cointelegraph, lamenting the lack of recognition and support for the country's burgeoning crypto sector.

奧洛格倫對 Cointelegraph 表示：「我認為，就澳洲的人力資本而言，坎培拉或大街上的一分錢都沒有下降。」他對該國蓬勃發展的加密貨幣產業缺乏認可和支持表示遺憾。 。

Despite some positive developments, such as the Treasury's October 2023 consultation paper and informal meetings with policymakers, Australia remains behind in terms of retail and institutional demand for cryptocurrencies. The government's proposed approach, which involves regulating crypto exchanges but not tokens, and requiring exchanges to obtain a financial services license, has been met with mixed reactions.

儘管取得了一些積極的進展，例如財政部 2023 年 10 月的諮詢文件以及與政策制定者的非正式會議，但澳洲在加密貨幣的零售和機構需求方面仍然落後。政府提出的方法涉及監管加密貨幣交易所而不是代幣，並要求交易所獲得金融服務許可證，但引起了不同的反應。

Rising Demand for Crypto Products and Services

對加密產品和服務的需求不斷增長

O'Loghlen highlighted the growing demand for various crypto products and services in Australia, including self-managed retirement funds, High Earners Not Rich Yet (HENRY), and stablecoins for digital remittances. He pointed to the increasing recognition of stablecoins' utility, particularly their ability to facilitate cross-border transactions with reduced volatility.

O'Loghlen 強調了澳洲對各種加密產品和服務不斷增長的需求，包括自我管理退休基金、尚未富裕的高收入者（HENRY）和用於數位匯款的穩定幣。他指出，人們越來越認識到穩定幣的實用性，特別是其促進跨境交易並降低波動性的能力。

"Most of these companies would emerge as the next Canva, the next Xero, the next Atlassian, or the next Afterpay," O'Loghlen said, referring to several multibillion-dollar companies in Australia that have leveraged innovation and disruption to achieve success.

奧洛格倫表示：「這些公司中的大多數將成為下一個Canva、下一個Xero、下一個Atlassian 或下一個Afterpay。」他指的是澳洲幾家價值數十億美元的公司，這些公司利用創新和顛覆來取得成功。

Coinbase's Expansion and Educational Initiatives

Coinbase 的擴張和教育計劃

In a positive development, Coinbase plans to expand its presence in Australia later this year through a crypto campaign aimed at educating regulators, policymakers, and the public about the transformative power of cryptocurrencies. This campaign is expected to contribute to a deeper understanding of the sector and its potential benefits.

一個積極的進展是，Coinbase 計劃在今年稍後透過一項旨在教育監管機構、政策制定者和公眾了解加密貨幣變革力量的加密運動來擴大其在澳洲的業務。這項活動預計將有助於加深對該行業及其潛在效益的了解。

Australian Crypto Ownership and Awareness

澳洲加密貨幣所有權和意識

According to the Independent Reserve Cryptocurrency Index (IRCI) 2024 survey, 95% of Australians are aware of at least one cryptocurrency, with 93% recognizing Bitcoin (BTC). However, awareness of other popular cryptocurrencies such as Ethereum (ETH) and Dogecoin (DOGE) remains relatively low, at 42% and 36%, respectively.

根據獨立儲備加密貨幣指數 (IRCI) 2024 年調查，95% 的澳洲人至少知道一種加密貨幣，其中 93% 的人認識比特幣 (BTC)。然而，對以太坊 (ETH) 和狗狗幣 (DOGE) 等其他流行加密貨幣的認知度仍然相對較低，分別為 42% 和 36%。

The survey also revealed that only 27.5% of respondents had owned or invested in any digital asset in the past 12 months, representing a slight decline of 1.9% compared to 2022. Age-wise, the majority of crypto investors or traders in Australia fall within the 25-34 age group, while only 6% of individuals above 65 own cryptocurrencies.

調查也顯示，只有27.5% 的受訪者在過去12 個月內擁有或投資任何數位資產，與2022 年相比略有下降1.9%。交易者都屬於25-34 歲年齡層的人擁有加密貨幣，而 65 歲以上的人中只有 6% 擁有加密貨幣。

Interestingly, the survey found that personal recommendations from family and friends play a significant role in driving crypto investments, with 49% of respondents influenced by such advice. Media sources also exert a considerable influence, inspiring 43% of crypto investors.

有趣的是，調查發現家人和朋友的個人建議在推動加密貨幣投資方面發揮著重要作用，49％的受訪者受到此類建議的影響。媒體來源也發揮了相當大的影響力，激勵了 43% 的加密貨幣投資者。

Conclusion

結論

As the global crypto ecosystem continues to evolve rapidly, Australia's policymakers and TradFi firms must seize the opportunity to enhance innovation, embrace regulatory clarity, and facilitate widespread adoption of cryptocurrencies. By embracing the transformative potential of blockchain technology and digital assets, Australia can foster the growth of a thriving crypto sector and position itself as a global hub for innovation.

隨著全球加密貨幣生態系統持續快速發展，澳洲的政策制定者和 TradFi 公司必須抓住機遇，加強創新，擁抱明確的監管，並促進加密貨幣的廣泛採用。透過擁抱區塊鏈技術和數位資產的變革潛力，澳洲可以促進加密產業蓬勃發展，並將自己定位為全球創新中心。