銀行開始擁抱加密貨幣了嗎？

隨著加密貨幣選項的豐富，這個特殊的金融科技利基市場變得太大而不容忽視。銀行機構必須適應。

Cryptocurrency has been a polarizing topic ever since it was first introduced and became widely known.

自從加密貨幣首次推出並廣為人知以來，它一直是一個兩極分化的話題。

Many people have been on the fence about it, not knowing what to think or not having acquired enough knowledge about how digital assets work, etc. Some have decided to fully embrace it and give it their full backing based on what they have learned.

許多人對此持觀望態度，不知道該怎麼想，或者對數位資產的運作方式沒有足夠的了解等等。

However, some have been rigid in their stance about it, citing concerns or fears about cryptocurrency as they don’t know enough or don’t trust it because of its decentralized and unregulated nature. Financial institutions have been among those that have held their position, although there has been a shifting trend in recent years.

然而，有些人對此持僵化立場，理由是對加密貨幣的擔憂或恐懼，因為他們對加密貨幣了解不夠，或者由於其去中心化和不受監管的性質而不信任它。儘管近年來趨勢發生了變化，但金融機構一直堅守著自己的地位。

Are banks starting to embrace cryptocurrency?

銀行是否開始接受加密貨幣？

With the abundance of cryptocurrency options available, including new options that are entering the market as visible through the Wall Street Pepe presale, this particular fintech niche has become simply too big to ignore.

隨著大量可用的加密貨幣選擇，包括透過華爾街佩佩預售可見的進入市場的新選擇，這個特殊的金融科技利基市場變得太大而不容忽視。

Banking institutions have had to adapt, especially if they want to remain relevant to as many people as possible. Findings have estimated that more than 580 million people worldwide hold crypto. That’s a potentially big pool of customers that could be lost if they decide to use the virtual asset as their predominant form of currency over traditional fiat options.

銀行機構必須適應，特別是如果它們想與盡可能多的人保持聯繫。調查結果估計，全球有超過 5.8 億人持有加密貨幣。如果他們決定使用虛擬資產作為而不是傳統法定貨幣的主要貨幣形式，那麼這可能是一個潛在的龐大客戶群，他們可能會失去這些客戶。

Indeed, there have been instances where some banks have decided they must act. The likes of JP Morgan have embraced crypto by launching their own stablecoin in 2019. The Bank of America and Ally Bank also began to embrace cryptocurrency, allowing their customers to interact with businesses that used or offered virtual currency.

事實上，在某些情況下，有些銀行決定必須採取行動。摩根大通等公司在 2019 年推出了自己的穩定幣，擁抱了加密貨幣。

There are several benefits that banks can obtain by embracing cryptocurrency, including:

銀行透過採用加密貨幣可以獲得多種好處，包括：

Trading

貿易

When banks embrace cryptocurrency and facilitate it for trading purposes, they can benefit by allowing their customers to buy, sell, or trade digital assets on their platforms/exchanges. They can then take a percentage as a transaction fee. Goldman Sachs has already implemented a system like this.

當銀行接受加密貨幣並促進其用於交易目的時，他們可以透過允許客戶在其平台/交易所上購買、出售或交易數位資產而受益。然後他們可以收取一定比例作為交易費。高盛已經實施了這樣的系統。

Custody

保管

By providing people with the ability to purchase cryptocurrency, banks could offer customers a storage method, such as using a wallet that the bank owns. If this happens, they could charge fees for using it, which can help them to generate additional income. Deutsche Bank has implemented this within its offerings.

透過為人們提供購買加密貨幣的能力，銀行可以為客戶提供一種儲存方法，例如使用銀行擁有的錢包。如果發生這種情況，他們可以收取使用費，這可以幫助他們產生額外的收入。德意志銀行已在其產品中實施了這一點。

Tokenization

代幣化

Goldman Sachs has created a tokenization platform that allows investors to digitalize their real-world assets, allowing them to generate income through the fees obtained through this process.

高盛創建了一個代幣化平台，允許投資者將其現實世界資產數位化，從而使他們能夠透過在此過程中獲得的費用來產生收入。

Blockchain

區塊鏈

The usage of blockchain technology can come with many benefits for financial institutions that embrace cryptocurrency. The ledger can improve and enhance the level of security banks provide to customers. Users of blockchain will know that it can make transactions more secure through additional security features. Anonymity, transparency, and encryption are just a few of the popular advantages. These are things that fiat currency is unable to offer users.

區塊鏈技術的使用可以為採用加密貨幣的金融機構帶來許多好處。分類帳可以改善和提高銀行為客戶提供的安全水準。區塊鏈的用戶會知道，它可以透過額外的安全功能使交易更加安全。匿名、透明和加密只是其中幾個受歡迎的優點。這些都是法幣無法為用戶提供的。

New Products

新產品

Cryptocurrency can also help banks to provide new services or products to customers. With transactions quicker in speed and often more cost-effective, financial institutions can look to try and attract customers by offering products or services that can benefit them. For instance, institutions could earn crypto-based interest, given its volatility, which could be something that appeals to those looking to get more for their money.

加密貨幣還可以幫助銀行向客戶提供新的服務或產品。隨著交易速度更快且往往更具成本效益，金融機構可以透過提供有利於客戶的產品或服務來嘗試吸引客戶。例如，鑑於加密貨幣的波動性，機構可以賺取基於加密貨幣的利息，這可能會吸引那些希望從資金中獲得更多收益的人。

Are there any challenges that have stopped financial institutions from embracing cryptocurrency?

是否有任何挑戰阻止金融機構接受加密貨幣？

Naturally, there are still many financial institutions that haven’t budged from their hard stance regarding cryptocurrency. Some will have become more favorable, but there are still some concerns.

當然，仍有許多金融機構沒有改變對加密貨幣的強硬立場。有些人會變得更加有利，但仍然存在一些擔憂。

As noted, the decentralized and unregulated nature is still something that creates fear across the industry. They would have a hard time trying to control it, as they wouldn’t be able to incorporate them into their own traditional fiat systems.

如前所述，去中心化和不受監管的性質仍然引起整個行業的恐懼。他們將很難控制它，因為他們無法將它們納入自己的傳統法定係統中。

Market volatility is a huge concern, as this can create problems for a bank when they aren’t as desired, in demand, or as liquid as desired. Some are also concerned about their legitimacy, as it can become difficult to carry out checks about where they came from or who owns them.

市場波動是一個巨大的問題，因為當銀行未達到預期、需求或流動性不理想時，這可能會為銀行帶來問題。有些人也擔心它們的合法性，因為很難檢查它們的來源或所有者。

Regulatory changes can also have a huge impact on the future. The uncertainty regarding potential changes (whether positive or negative) can be enough of a challenge to stop financial institutions from looking to embrace them fully.

監管變化也可能對未來產生巨大影響。潛在變化（無論是積極的還是消極的）的不確定性足以構成挑戰，阻止金融機構完全接受它們。