Coinbase Q4，2024年，收入結果：以管理資產為420B美元的財務重新定義

金融界正在經歷重大的轉變，而Coinbase成為一個很好的例子。最初是加密貨幣交易所，現在正在成為財務強國。由於管理的資產令人印象深刻，因此Coinbase不僅僅是可以交易虛擬貨幣的地方；這是整個金融部門的驅動力。

Coinbase, a cryptocurrency exchange that began as a simple platform for buying and selling digital currencies, has now transformed into a financial behemoth, boasting $420 billion in assets under management (AUM). This astronomical figure has propelled Coinbase to the ranks of the top 21 banks in the United States and the 8th largest brokerage based on AUM.

Coinbase是一種加密貨幣交易所，最初是用於買賣數字貨幣的簡單平台，現已轉變為金融巨頭，擁有4200億美元的管理資產（AUM）。這個天文數字已將共同構成推向了美國排名前21個銀行和基於AUM的第八大經紀人。

Coinbase’s AUM is a testament to the remarkable growth of the cryptocurrency market, which has seen a massive influx of capital in recent years. This growth has been driven by the increasing adoption of cryptocurrencies and their integration into traditional financial systems.

Coinbase的AUM證明了加密貨幣市場的顯著增長，該市場近年來已經大量資本湧入。這種增長是由加密貨幣的越來越多及其整合到傳統金融體系中所驅動的。

Coinbase’s role in this evolution is significant, as it provides a gateway for institutions and individuals to access and trade digital assets. The company's performance in the last few months has been particularly strong, with a reported net profit of $273 million, compared to NYCB's loss of $260 million during the same period. This highlights the shift towards crypto-centric business models and their profitability.

Coinbase在這種發展中的作用很重要，因為它為機構和個人提供了訪問和交易數字資產的門戶。該公司在過去幾個月中的表現特別強勁，據報導淨利潤為2.73億美元，而NYCB在同一時期損失了2.6億美元。這突出了向以加密為中心的商業模式及其盈利能力的轉變。

Coinbase’s CEO, Brian Armstrong, has likened the company's standing to that of a neobank, which aims to consolidate all major financial services under one user-friendly interface. He believes that the traditional separation of banking, investing, and payments is outdated and inefficient.

Coinbase的首席執行官Brian Armstrong將公司的地位比作Neobank，該公司旨在在一個用戶友好的界面下整合所有主要的金融服務。他認為，銀行，投資和付款的傳統分離已經過時且效率低下。

Neobanks, powered by crypto, could revolutionize the way people manage their finances. Freelancers, for instance, could automate processes like handling invoices, tracking expenses, paying taxes, and even purchasing items through a neobank. These processes could be streamlined, thanks to stablecoin transactions, which reached $30 trillion last year.

由Crypto提供支持的Neobanks可以徹底改變人們管理財務狀況的方式。例如，自由職業者可以自動化處理髮票，跟踪費用，繳稅，甚至通過Neobank購買商品之類的過程。由於Stablecoin交易，這些過程可以簡化，該交易去年達到了300萬億美元。

However, the industry must prioritize transparency and regulatory compliance to expand its usage and gain greater trust.

但是，該行業必須優先考慮透明度和監管合規性，以擴大其用法並獲得更大的信任。

Coinbase’s rapid expansion and Armstrong’s vision suggest that we are on the brink of a future where crypto serves as the new financial system. While the initial hurdles are still on the horizon, there is no denying that a financial world supported by crypto carries untold advantages. Following the technological advance and the rise of the adoption, we are bound to witness even more innovative and disruptive technologies in the coming years.

Coinbase的快速擴張和阿姆斯特朗的願景表明，我們正處於加密貨幣作為新金融體系的未來的邊緣。儘管最初的障礙仍在範圍內，但不可否認的是，由加密貨幣支持的金融世界具有無數的優勢。隨著技術的進步和採用的興起，我們必然會在未來幾年目睹更具創新性和破壞性的技術。