加密貨幣市場終於在 2024 年成長起來

市場終於成長起來，從純粹的投機轉向真正的金融產品。普通投資者現在透過銀行帳戶購買加密貨幣，而機構每天交易數十億美元。

The crypto market has finally matured, transitioning from pure speculation to tangible financial products. Regular investors can now purchase cryptocurrencies directly from their bank accounts, while institutions trade billions of dollars worth of crypto daily. This rapid transformation has resulted in a stronger and more stable market.

加密市場終於成熟，從純粹的投機轉向有形的金融產品。普通投資者現在可以直接從他們的銀行帳戶購買加密貨幣，而機構每天交易價值數十億美元的加密貨幣。這種快速轉變帶來了更強大、更穩定的市場。

Key Players and Market Dynamics

主要參與者和市場動態

Major banks now dominate the crypto trading landscape. BlackRock has launched a Bitcoin fund, Fidelity offers crypto to its regular customers, and Morgan Stanley advises its wealthy clients to invest in Bitcoin. Goldman Sachs also trades cryptocurrencies on a daily basis. These banks, which once denounced Bitcoin as a scam, are now profiting handsomely from its integration.

各大銀行現在主導加密貨幣交易領域。貝萊德（BlackRock）推出了比特幣基金，富達（Fidelity）為其老客戶提供加密貨幣，摩根士丹利（Morgan Stanley）建議其富裕客戶投資比特幣。高盛也每天交易加密貨幣。這些銀行曾經譴責比特幣是個騙局，現在卻從比特幣的整合中獲利豐厚。

Meanwhile, crypto exchanges have faced stringent new regulations. Binance has paid $8 billion in fines and its CEO has stepped down, while Coinbase continues to operate under close scrutiny from the SEC. As a result, many smaller exchanges have been forced to close their doors. However, this market consolidation was necessary for sustained growth.

同時，加密貨幣交易所面臨嚴格的新法規。 Binance 已支付 80 億美元的罰款，其執行長已辭職，而 Coinbase 的營運仍受到 SEC 的嚴格審查。結果，許多規模較小的交易所被迫關閉。然而，這種市場整合對於持續成長是必要的。

Traditional trading platforms have also added crypto sections to their services. Charles Schwab now offers crypto funds, E*Trade provides Bitcoin trading, and TD Ameritrade has developed crypto tools for its clients. As a result, every major broker is now vying for a piece of the crypto market.

傳統交易平台也在其服務中新增了加密部分。 Charles Schwab 現在提供加密基金，E*Trade 提供比特幣交易，TD Ameritrade 為其客戶開發了加密工具。因此，各大經紀商現在都在爭奪加密貨幣市場的份額。

New Projects and Opportunities

新項目和機會

The crypto presale market experienced significant growth in 2024. Numerous new cryptocurrencies launched presales, each promising unique innovations. Pullix combines aspects of regular trading with DeFi features, while Meme Kombat offers a novel approach to gaming tokens. Astute investors can identify promising projects amidst the copycats.

加密預售市場在 2024 年經歷了顯著成長。 Pullix 將常規交易的各個方面與 DeFi 功能相結合，而 Meme Kombat 則提供了一種新穎的遊戲代幣方法。精明的投資者可以在模仿者中識別出有前途的項目。

Networks like Arbitrum and Optimism have resolved the issue of high gas fees. In 2021, users paid hundreds of dollars for transactions, which now cost only cents. Technological advancements have made cryptocurrencies easier to use, and new scaling solutions are being introduced every month. These networks now operate faster and cheaper than ever before.

Arbitrum 和 Optimism 等網路已經解決了高天然氣費用的問題。 2021 年，用戶需要支付數百美元進行交易，現在只需幾美分。技術進步使加密貨幣更易於使用，並且每個月都會推出新的擴展解決方案。這些網路現在的運行速度比以往任何時候都更快、更便宜。

The crypto gaming landscape has also undergone a complete transformation. Following the failure of Axie Infinity, new gaming projects have emerged and taken over the space. Major companies like Ubisoft and Square Enix are now building blockchain games. These games prioritize entertainment over token earning mechanics. As the games improve, the gaming market continues to expand each quarter, attracting more players.

加密貨幣遊戲格局也經歷了徹底的轉變。在 Axie Infinity 失敗之後，新的遊戲項目出現並佔領了這一領域。育碧和史克威爾艾尼克斯等大公司現在正在開發區塊鏈遊戲。這些遊戲將娛樂性置於代幣賺取機制之上。隨著遊戲的改進，遊戲市場每季都在持續擴大，吸引了更多玩家。

NFT markets have discovered practical use cases beyond digital art. Artists are selling music rights through NFTs, real estate transactions are utilizing NFT contracts, sports teams are offering fan tokens, and major brands are launching NFT products. The technology now serves a diverse range of industries.

NFT 市場已經發現了數位藝術之外的實際用例。藝術家透過 NFT 出售音樂版權，房地產交易利用 NFT 合約，運動隊伍提供粉絲代幣，各大品牌都推出 NFT 產品。該技術現在服務於多種行業。

Regulatory Changes and Impact

監管變化和影響

The SEC has cracked down heavily on crypto companies, with numerous lawsuits being filed. While Ripple managed to win its case, others faced substantial losses. The crashes of Celsius, FTX, and Luna resulted in billions of dollars being wiped out. These events have taught every company the importance of adhering to regulations.

美國證券交易委員會嚴厲打擊加密貨幣公司，並提起了大量訴訟。儘管 Ripple 成功贏得了官司，但其他公司卻面臨巨大損失。 Celeste、FTX 和 Luna 的崩潰導致數十億美元的損失。這些事件教會了每家公司遵守法規的重要性。

Some countries are actively supporting the crypto business. Japan has established clear rules, Hong Kong is welcoming crypto companies, and Dubai is quickly issuing licenses. However, these authorities are keeping a close eye on these companies and will not hesitate to punish bad behavior. Stringent regulations have played a crucial role in the market's growth.

一些國家正在積極支持加密貨幣業務。日本製定了明確的規則，香港歡迎加密貨幣公司，杜拜正在迅速發放許可證。然而，有關當局正在密切關注這些公司，並將毫不猶豫地懲罰不良行為。嚴格的監管對市場的成長發揮了至關重要的作用。

The attitudes of banks toward cryptocurrencies have also undergone a remarkable shift. They initially offered basic services and then added trading desks. Now, they are advising their clients to invest in crypto. Even banks that despised Bitcoin in 2017 are now selling it to their customers. The banking system has fully accepted cryptocurrencies as a legitimate form of currency.

銀行對加密貨幣的態度也發生了顯著轉變。他們最初提供基本服務，然後增加了交易櫃檯。現在，他們建議客戶投資加密貨幣。即使是 2017 年鄙視比特幣的銀行現在也開始向客戶出售比特幣。銀行體系已完全接受加密貨幣作為合法的貨幣形式。

Security has improved significantly across the board. People are using safer wallets, crypto holdings are being insured, and trading platforms are employing dedicated security experts. The entire industry has become more professionalized. As security measures continue to improve, hackers are finding fewer targets.

安全性全面顯著改善。人們正在使用更安全的錢包，加密資產正在受到保險，交易平台正在聘請專門的安全專家。整個產業變得更加專業化。隨著安全措施的不斷改進，駭客發現的目標越來越少。

Market Growth and Integration

市場成長與整合

The media now covers cryptocurrencies differently. CNBC displays Bitcoin prices alongside stock market updates, and Bloomberg reports on DeFi developments. Articles about the imminent death of crypto have vanished, and mainstream news outlets are attempting to understand the technology. Reporters have gained valuable knowledge about cryptocurrencies.

現在媒體對加密貨幣的報導有所不同。 CNBC 在股市更新的同時顯示比特幣價格，彭博社則報導 DeFi 的發展。關於加密貨幣即將消亡的文章已經消失，主流新聞媒體正在試圖了解這項技術。記者獲得了有關加密貨幣的寶貴知識。

The crypto market functions more efficiently than ever before. Regular individuals can easily purchase crypto through their normal accounts, and even senior citizens are receiving Bitcoin in their retirement funds. Companies are constructing tangible products that address real-world issues. Traditional finance and crypto are merging seamlessly.

加密貨幣市場的運作比以往任何時候都更有效率。一般人可以透過普通帳戶輕鬆購買加密貨幣，甚至連老年人也可以在退休基金中接收比特幣。公司正在建構解決現實世界問題的有形產品。傳統金融和加密貨幣正在無縫融合。

Investment funds hold crypto, pension funds are buying Bitcoin, university endowments trade altcoins, and private equity is investing in crypto companies. Large sums of money have entered the market and remained there. Now, they treat crypto like any other asset class.

投資基金持有加密貨幣，退休基金正在購買比特幣，大學捐贈基金交易山寨幣，私募股權正在投資加密貨幣公司。大量資金進入市場並留在那裡。現在，他們像對待任何其他資產類別一樣對待加密貨幣。

This market has evolved into something useful, not what crypto enthusiasts envisioned in 2013 but perhaps something better. A system that benefits everyone, combines old and new finance, and continues to improve.

這個市場已經發展成為有用的東西，雖然不是加密貨幣愛好者在 2013 年所設想的，但也許是更好的東西。一個讓所有人受益、新舊金融結合、不斷完善的體系。

Crypto has succeeded by becoming part of the system rather than destroying it. The revolution has triumphed through evolution instead of destruction. The future holds promise as more people join this new financial realm.

加密貨幣之所以成功，是因為它成為了系統的一部分，而不是破壞了它。革命透過進化而不是破壞取得了勝利。隨著越來越多的人加入這個新的金融領域，未來充滿希望。