比特幣（BTC）可以代替美元作為世界儲備貨幣：貝萊德首席執行官拉里·芬克（Larry Fink）

貝萊德首席執行官拉里·芬克（Larry Fink）表示，如果美國無法控制債務，美元可能會失去其作為世界儲備貨幣或其他數字資產的地位。

The US dollar could lose its status as the world’s reserve currency to Bitcoin or other digital assets if the country does not get its debt under control, according to BlackRock CEO Larry Fink.

貝萊德首席執行官拉里·芬克（Larry Fink）表示，如果該國無法控制債務，美元可能會失去其作為世界儲備貨幣或其他數字資產的地位。

Fink wrote in his Annual Chairman’s Letter to Investors that “decentralized finance is an extraordinary innovation” that makes “markets faster, cheaper, and more transparent.” But “that same innovation could undermine America’s economic advantage if investors begin seeing Bitcoin as a safer bet than the dollar.”

芬克在年度董事長給投資者的信中寫道，“分散的財務是一種非凡的創新”，使“市場更快，更便宜，更透明”。但是，“如果投資者開始將比特幣視為比美元更安全的賭注，那麼同樣的創新可能會破壞美國的經濟優勢。”

According to Trading Economics, the US debt equaled 122.3% of the country’s gross domestic product in 2023. That is a considerably higher percentage than the 105% observed in 2018. Moody’s Ratings retains the US’s AAA credit rating but has downgraded its outlook to negative, indicating a possible future rating downgrade.

根據貿易經濟學的數據，美國債務在2023年等於該國國內生產總值的122.3％。這比2018年觀察到的105％的債務要高得多。穆迪的評級保留了美國的AAA信用評級，但已將其看法降低到負面，表明將來可能的評級降低了。

The US’s Joint Economic Committee wrote that as of March 5, the country’s gross national debt was $36.2 trillion, growing $1.8 trillion, or roughly $4.9 billion per day, over the past year and $12.8 trillion in the past five years. The Bipartisan Policy Center warned this month that the US could default on its debt as early as July 2025.

美國聯合經濟委員會寫道，截至3月5日，該國的國民總債務為362萬億美元，在過去一年中增長了1.8萬億美元，每天約49億美元，在過去五年中增長了12.8萬億美元。兩黨政策中心本月警告說，美國最早可能在2025年7月拖欠債務。

Bitcoin (BTC) has been branded as a safe haven for investors who are looking to avoid the perils of fiat currency, including inflation. Some believe that the end of the debt ceiling suspension could lead to a Bitcoin price boom. Others think, as Fink has stated, that the dangers of the national debt could increase Bitcoin adoption.

比特幣（BTC）已被烙印為避風港的避風港，這些投資者希望避免菲亞特貨幣的危險，包括通貨膨脹。有些人認為，債務上限暫停的終結可能會導致比特幣的價格繁榮。正如芬克所說，其他人認為，國債的危險可能會增加比特幣的採用。

Related: Bitcoin reserve won’t solve US debt crisis: Think tank co-founder

相關：比特幣儲備將無法解決美國債務危機：智囊團聯合創始人

In 2025, cryptocurrency has gained prominence as an asset class due to adoption by countries such as the US and companies like Strategy. However, some argue that stablecoins could, in fact, increase the dominance of the US dollar.

2025年，由於美國和戰略公司等國家採用的資產類別，加密貨幣已成為資產類別。但是，有人認為，穩定幣實際上可以增加美元的統治地位。

Fink: Tokenization is democratization

芬克：象徵化是民主化

In the letter, Fink says that “tokenization is democratization” with the technological innovation “enabling instant buying, selling, and transferring without cumbersome paperwork or waiting periods.”

在信中，芬克說，“令牌化是民主化”，技術創新“使即時購買，銷售和轉移無需繁瑣的文書工作或等待期。”

If every asset ends up being tokenized, Fink said, “it will revolutionize investing. Markets wouldn’t need to close. Transactions that currently take days would clear in seconds. And billions of dollars currently immobilized by settlement delays could be reinvested immediately back into the economy, generating more growth.”

芬克說：“如果每一個資產最終都被化為像徵性，“這將徹底改變投資。市場將不需要關閉。目前需要幾天的交易將在幾秒鐘內清除。目前被定居延期固定的數十億美元可能會立即重新投資到經濟體中，從而產生更多的增長，從而產生更多的增長。 ”

Related: Centralization and the dark side of asset tokenization — MEXC exec

相關：集中化和資產令牌的黑暗面 - MEXC Exec

Tokenization democratizes access, shareholder voting, and yield, Fink wrote. According to RWA.xyz, the tokenized real-world assets market amounts to $19.6 billion. There are currently around 93,000 asset holders, with 174 issuers. Industry projections indicate that the market could reach $4 trillion to $30 trillion by 2030.

Fink寫道，令牌化使訪問，股東投票和產量民主化。根據rwa.xyz的數據，標記現實世界的資產市場為196億美元。目前有大約93,000個資產持有人，有174個發行人。行業預測表明，到2030年，市場可以達到4萬億美元至30萬億美元。

BlackRock’s own BUIDL real-world tokenized asset fund is currently the largest such fund available for trading, with Tether Gold and Franklin Templeton’s BENJI funds coming in second and third place, respectively.

貝萊德（Blackrock）自己的Buidl Real-World標記資產基金目前是可用於交易的最大此類基金，Tether Gold和Franklin Templeton的Benji基金分別排名第二和第三名。