區塊鏈技術可能正在克服全球貿易壁壘

隨著各大洲各行業之間的聯繫越來越緊密，這為投資者提供了實現資產多元化並利用優勢的可能機會

The increasing globalization of the finance industry in recent decades has seen industries becoming more interconnected across continents. This presents investors with possible opportunities to diversify their assets and take advantage of market differences. However, the complexities of cross-border transactions continue to pose challenges, such as long processing times and fees.

近幾十年來，金融業日益全球化，各大洲各行業之間的聯繫變得更加緊密。這為投資者提供了實現資產多元化並利用市場差異的可能機會。然而，跨境交易的複雜性繼續帶來挑戰，例如處理時間長和費用高。

Now, advances in blockchain technology may be overcoming the barriers to global trade by streamlining cross-border transactions. With reduced transaction costs and greater transparency, digital assets within decentralized financial systems have the capability to transform global trade. This financial movement may carry broader economic implications, including increased access to financial systems for underserved regions. A skyrocketing Bitcoin price may signal widespread adoption of the world’s largest digital asset.

現在，區塊鏈技術的進步可能正在透過簡化跨境交易來克服全球貿易壁壘。隨著交易成本的降低和透明度的提高，去中心化金融體系中的數位資產有能力改變全球貿易。這種金融運動可能會帶來更廣泛的經濟影響，包括增加服務不足地區進入金融體系的機會。比特幣價格的飆升可能預示著世界上最大的數位資產的廣泛採用。

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The Challenges of Cross-Border Trade

跨境貿易的挑戰

Cross-border payments can serve a variety of industries, including corporate transactions, small and medium business transactions (B2B), business-to-consumer (B2C), consumer-to-business (C2B) and more.

跨國支付可以服務多種產業，包括企業交易、中小企業交易（B2B）、企業對消費者（B2C）、消費者對企業（C2B）等。

However, transferring money across borders can carry more complexities and fees than domestic payments. Internationals who work in the U.S. can face challenges with setting up bank accounts or building credit. Similarly, workers in the U.S. and EU often need to rely on intermediary banks, which can lead to slower processing times and higher fees.

然而，與國內支付相比，跨境轉帳可能會帶來更多的複雜性和費用。在美國工作的國際人士可能會面臨開設銀行帳戶或建立信用的挑戰。同樣，美國和歐盟的工人通常需要依賴中介銀行，這可能導致處理時間較慢和成本更高。

The Advantages of Blockchain Technology

區塊鏈技術的優勢

Advances in blockchain technology are creating cross-border payment solutions that are generally cheaper, faster to process and more transparent than traditional banking methods, and they are being adopted by major companies.

區塊鏈技術的進步正在創建跨境支付解決方案，這些解決方案通常比傳統銀行方法更便宜、處理速度更快且更透明，並且正在被大公司採用。

Blockchain-based payment structures have the potential to streamline global trade through the use of decentralized systems. Without needing to process payments through third parties, these products often offer advantages such as near-instant processing fees, clear information on fees and transaction times for users, and broad accessibility across user groups and locations.

基於區塊鏈的支付結構有潛力透過使用去中心化系統來簡化全球貿易。這些產品無需透過第三方處理支付，通常具有多種優勢，例如近乎即時的處理費用、用戶的費用和交易時間的清晰資訊以及跨用戶群組和地點的廣泛可訪問性。

Digital Transactions as a Global Movement

數位交易作為一種全球運動

Digital transactions in global trade seem to be on the rise. Remittances to low- and middle-income countries reached $669 billion in 2023, demonstrating an estimated growth of 3.8%. Mexico was a major recipient, receiving $61.2 billion in remittances. Similarly, The Philippines received remittances estimated at 9.3% of its GDP in 2021.

全球貿易中的數位交易似乎正在增加。 2023 年，低收入和中等收入國家的匯款達到 6,690 億美元，預計將成長 3.8%。墨西哥是主要接收國，收到 612 億美元的匯款。同樣，菲律賓 2021 年收到的匯款估計佔其 GDP 的 9.3%。

With this global shift, blockchain-based payment systems can serve as a boon to developing economies. Their greater accessibility and reduced fees can often be used to fill the gap for underserved regions that are placed at a disadvantage in global trade systems.

隨著這一全球轉變，基於區塊鏈的支付系統可以為發展中經濟體帶來福音。它們較便利的服務和更低的費用通常可以用來填補在全球貿易體系中處於不利地位的服務欠缺地區的空白。

The Widespread Adoption of Bitcoin

比特幣的廣泛採用

Perhaps one of the greatest markers of this global financial trend might be the growing adoption of Bitcoin as a digital asset. The cryptocurrency market is projected to reach $2.2 billion by 2026, with Bitcoin leading as the highest-valued coin. Having traded above $100,000 for the first time in December, U.S. Global Investors has named Bitcoin one of the world’s largest digital assets by market trade.

也許這一全球金融趨勢的最大標誌之一可能是比特幣作為數位資產的日益普及。預計到 2026 年，加密貨幣市場將達到 22 億美元，其中比特幣將成為價值最高的貨幣。去年 12 月，比特幣交易價格首次突破 10 萬美元，美國全球投資者將比特幣列為全球市場交易量最大的數位資產之一。

Bitcoin is often used as a store of value and a medium for exchange. As it has garnered widespread use and recognition in the global economy, its impressive growth may signal a new era of digital transactions.

比特幣通常被用作價值儲存和交換媒介。由於它在全球經濟中獲得了廣泛的使用和認可，其令人印象深刻的成長可能標誌著數位交易的新時代的到來。

The Future of Cross-Border Transactions

跨國交易的未來

Digital transactions continue to play a larger role in global trade, as remittances to low- and middle-income countries are on the rise. While these transactions may help to fuel the growth of these economies, the complexities of cross-border payments continue to create barriers to opportunities. Emerging blockchain-based payments systems are challenging the structure of centralized finance and may be leveling the playing field while providing benefits such as faster processing times, reduced fees and greater transparency.

隨著低收入和中等收入國家的匯款不斷增加，數位交易繼續在全球貿易中發揮更大作用。雖然這些交易可能有助於推動這些經濟體的成長，但跨境支付的複雜性繼續為機會製造障礙。新興的基於區塊鏈的支付系統正在挑戰中心化金融的結構，並可能創造公平的競爭環境，同時提供更快的處理時間、更低的費用和更高的透明度等好處。

The rise of Bitcoin demonstrates the general growing power of digital assets as a force in the global economy. As investors look to opportunities presented by this movement in finance, a shifting Bitcoin price may continue to serve as a good marker of where future markets are headed.

比特幣的崛起表明，數位資產作為全球經濟的一股力量，其力量正在普遍增強。隨著投資者尋找這項金融運動帶來的機會，比特幣價格的變化可能會繼續成為未來市場走向的良好指標。

This information is intended for educational purposes only and is not to be used as investment advice. As with all investments, there is risk, and the past performance of a particular asset class does not guarantee any future performance.

此資訊僅用於教育目的，不得用作投資建議。與所有投資一樣，存在風險，特定資產類別的過去表現並不能保證未來的表現。

Lee Enterprises newsroom and editorial were not involved in the creation of this content.

Lee Enterprises 新聞編輯室和社論未參與此內容的創作。

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