初學者的比特幣：美國購買BTC的最終指南

在當今快節奏的數字經濟中，即使是保守的投資者也開始探索新的金融領域。

In today’s fast-paced digital economy, even conservative investors are beginning to explore new financial frontiers. If you’ve ever wondered whether it’s possible to use your bank account to buy Bitcoin in USA, you’re not alone. What was once the territory of tech-savvy trailblazers and financial rebels has now become a legitimate component of diversified investment portfolios around the world. Bitcoin is no longer the “wild child” of the financial markets; it’s increasingly being seen as digital gold with a seat at the grown-up table.

在當今快節奏的數字經濟中，即使是保守的投資者也開始探索新的金融領域。如果您想知道是否可以使用您的銀行帳戶在美國購買比特幣，那麼您並不孤單。曾經是精通技術的開拓者和金融叛亂分子的領土現已成為全球多元化投資組合的合法組成部分。比特幣不再是金融市場的“野生孩子”。它越來越被視為數字黃金，在成年桌子上有座位。

As we step further into 2025, with markets evolving at lightning speed and global uncertainty always looming in the background, investors are on the lookout for assets that offer both resilience and opportunity. Bitcoin, despite its volatility, has earned a reputation as a potential hedge against inflation, a store of value, and a modern tool for portfolio diversification.

隨著我們進入2025年，隨著市場以閃電速度和全球不確定性的發展總是迫在眉睫，投資者正在尋找提供彈性和機會的資產。儘管比特幣的波動性，但仍以抵抗通貨膨脹，價值存儲以及用於投資組合多元化的現代工具而贏得了聲譽。

The same forward-thinking approach is visible in the craft beer world, where enthusiasts and breweries are engaging in an interesting experiment—pivoting away from traditional beer styles and venturing into uncharted territory.

在精釀啤酒世界中，可以看到相同的前瞻性方法，在那裡，愛好者和啤酒廠正在進行一個有趣的實驗 - 偏離傳統啤酒風格，並冒險進入未知的領域。

Both spaces reflect a broader cultural shift toward bold, informed choices that balance tradition with innovation. Let’s unpack how Bitcoin fits into a well-balanced portfolio and why it’s not just a fad but rather a strategic asset for the new age investor.

這兩個空間都反映了更廣泛的文化轉變，向大膽，明智的選擇，使傳統與創新之間取得平衡。讓我們解開比特幣如何適應均衡的投資組合，以及為什麼它不僅是一種時尚，而且是新時代投資者的戰略資產。

From Curiosity to Credibility

從好奇心到信譽

A decade ago, Bitcoin was viewed with skepticism, likened to fool’s gold, and subject to fierce criticisms. Some compared it to the Dutch Tulip Mania or claimed it was a Ponzi scheme wrapped in code. But like a dark horse steadily gaining ground, Bitcoin persisted through crashes, regulatory battles, and waves of misinformation.

十年前，比特幣被懷疑，比作愚蠢的黃金，並受到激烈的批評。有些人將其與荷蘭鬱金香躁狂症進行了比較，或者聲稱它是用代碼包裹的龐氏騙局。但是，就像一匹黑馬穩步上升的地面一樣，比特幣在撞車事故，監管戰和誤會浪潮中持續存在。

Yet, the narrative has shifted dramatically. Institutional investors, including pension funds, family offices, and even governments, are no longer just observing—they’re participating. According to a 2024 Fidelity Digital Assets report, over 60% of institutional investors globally now have some crypto exposure, with Bitcoin leading the charge. This speaks volumes about Bitcoin’s transition from a speculative asset to a strategic cornerstone.

然而，敘述已經發生了巨大變化。包括養老基金，家庭辦事處甚至政府在內的機構投資者不再只是觀察到他們參加。根據2024年的富達數字資產報告，全球60％以上的機構投資者現在有一些加密貨幣，比特幣領導了這一負責人。這說明了比特幣從投機資產過渡到戰略基石的過渡。

The Role of Bitcoin in Diversification

比特幣在多元化中的作用

The investment principle uses the time-tested advice of not putting all your assets into one place. Diversification minimizes investment risk through a strategy of distributing funds into different asset categories, including stocks, bonds, real estate, commodities, and recently Bitcoin digital currencies.

投資原則使用了經過時間測試的建議，即不將所有資產放在一個地方。多元化通過將資金分配給不同資產類別的策略，包括股票，債券，房地產，商品和最近的比特幣數字貨幣，從而最大程度地減少了投資風險。

Bitcoin stands out because its correlation with conventional asset classes has remained at a historically low level. This lack of correlation is significant. It showcases that Bitcoin demonstrates independent price movements as it's not typically impacted by market reactions or central bank decisions. The autonomous nature of Bitcoin establishes it as a strong defense against systemic economic threats that connect all financial systems to each other.

比特幣之所以脫穎而出，是因為它與常規資產類別的相關性一直保持在歷史較低水平。這種缺乏相關性是顯著的。它表明比特幣表現出獨立的價格變動，因為它通常不受市場反應或中央銀行決策的影響。比特幣的自主性質將其確立為對系統經濟威脅的強烈辯護，這些威脅將所有金融系統彼此聯繫起來。

This lack of correlation is significant because it showcases that varying asset classes move largely in tandem. For instance, during periods of macroeconomic uncertainty, investors tend to sell stocks and buy safer assets like bonds.

這種缺乏相關性是重要的，因為它表明了各種資產類別在很大程度上同時移動。例如，在宏觀經濟不確定性的時期，投資者傾向於出售股票併購買更安全的資產等債券。

However, crucially, Bitcoin does not necessarily follow this pattern. It exhibits an interesting lack of correlation with traditional asset classes, rendering it a valuable addition to a diversified portfolio.

但是，至關重要的是，比特幣不一定遵循這種模式。它表現出與傳統資產類別的有趣相關性，使其成為多元化投資組合的寶貴補充。

The same factor that makes Bitcoin unique—its decentralized and largely autonomous operation—also contributes to its low correlation. It's not tied to the same economic variables and political decisions that influence traditional assets.

使比特幣與眾不同的因素（它的分散且在很大程度上是自主操作）也有助於其低相關性。它與影響傳統資產的相同的經濟變量和政治決策並不相關。

Furthermore, crucially, Bitcoin's supply is programmed and limited, setting it apart from fiat currencies that are susceptible to inflation due to central bank actions.

此外，至關重要的是，比特幣的供應經過編程和限制，將其與菲亞特貨幣區分開來，這些菲亞特貨幣容易因中央銀行的行動而受到通貨膨脹的影響。

The basic principle of harmony vs. opposition carries over past financial endeavors. Types of cryptocurrencies such as bitcoin serve as portfolio diversifiers that generate creativity through their unconventional methods while ensuring yin/yang balance when used correctly.

和諧與反對派的基本原則是過去的財務努力。比特幣等加密貨幣的類型是通過其非常規方法產生創造力的投資組合多樣性，同時確保正確使用時陽/陽的平衡。

Bitcoin as a Hedge Against Inflation

比特幣作為抵抗通貨膨脹的樹籬

For several years the global economy has been navigating through increasing price levels. When central banks performed their economic stimulation through excessive market liquidity they reduced interest rates while devaluing their national currencies. Gold has historically provided financial safety yet bitcoin now functions as an electronic alternative which offers specific benefits.

幾年來，全球經濟一直通過增加價格水平來導航。當中央銀行通過過度的市場流動性進行經濟刺激時，他們降低了利率，同時貶值了他們的民族貨幣。從歷史上看，黃金提供了財務安全，但比特幣現在是一種電子替代方案，可提供特定的好處。

The fixed 21 million coin limit makes bitcoin function by creating scarcity, which appeals to investors who distrust central bank actions. Its supply mechanism operates by computer algorithms, which protects it from political or policy changes.

固定的2100萬枚硬幣限制通過造成稀缺性來使比特幣功能，這吸引了不信任中央銀行行動的投資者。它的供應機制通過計算機算法運行，可保護其免受政治或政策變化的影響。

The reliability of bitcoin stands out as a positive feature in moments when money creation runs wild through printing presses. The younger generation now identifies bitcoin as their millennial gold standard of preferred digital value storage.

比特幣的可靠性在貨幣創造通過印刷機瘋狂地奔跑時，是一個積極的特徵。現在，年輕一代將比特幣視為其首選數字價值存儲的千禧一代標準。

The truth about bitcoin lies in its substantial price swings, which cannot be ignored. You move from celebrating with champagne the next you’re chewing your nails. The price swings of bitcoin are not bad in themselves because they show that investors are actively determining the market value of this developing financial instrument. When adoption reaches broader levels while liquidity expands within this sphere, the market should stabilize.

關於比特幣的真相在於它的大幅價格波動，這是不容忽視的。您從與香檳一起慶祝下一個您要咀嚼指甲。比特幣的價格波動本身還不錯，因為它們表明投資者正在積極確定這種發展中的金融工具的市場價值。當採用率達到更廣泛的水平，而流動性在該領域內擴展時，市場應穩定。

Effectual investors prevent themselves from attempting to predict bitcoin price peaks and valleys. Dollar-cost averaging represents their strategy because investors dedicate a constant stream of small financial increases to their investment which will mature progressively.

有效的投資者阻止自己試圖預測比特幣的價格峰值和山谷。美元成本平均代表他們的戰略，因為投資者將不斷逐漸成熟的投資逐漸增加。