加密革命：增強金融世界的進入與便利

隨著盧加諾等城市接受加密貨幣用於日常交易，加密貨幣的採用正在獲得越來越多的關注。雖然在金融事務中便利性往往勝過效率，但數位資產在可近性方面提供了顯著的優勢，尤其是在銀行服務不足的地區。儘管面臨挑戰和阻力，加密貨幣與傳統金融的整合正在透過現貨比特幣 ETF、機構參與和創新支付解決方案取得進展。隨著法規的發展，加密貨幣交易所和銀行之間正在形成共生關係，這可能允許用戶從傳統金融機構獲得加密貨幣支持的貸款。

Cryptocurrency Expansion: Transforming Financial Accessibility and Convenience

加密貨幣擴張：改變金融的可近性和便利性

Amidst the evolving financial landscape, individuals prioritize convenience and efficiency in their transactions. However, traditional systems often fall short of these expectations, leading to the emergence of cryptocurrency as a viable alternative. The Swiss city of Lugano stands as a testament to the potential of cryptocurrencies, with over 15% of its citizens leveraging the city's LVGA stablecoin for daily transactions.

在不斷變化的金融格局中，個人優先考慮交易的便利性和效率。然而，傳統系統往往達不到這些期望，導致加密貨幣作為可行的替代方案的出現。瑞士盧加諾市證明了加密貨幣的潛力，超過 15% 的居民利用該市的 LVGA 穩​​定幣進行日常交易。

Unlocking Financial Inclusion through Digital Assets

透過數位資產解鎖金融普惠

Digital assets possess unparalleled capabilities, offering a highly accessible and transformative financial experience. In developing nations, where access to traditional financial services remains limited, cryptocurrencies serve as a lifeline, empowering individuals with financial autonomy. With a mere 6% of adults lacking bank accounts in the United States, the disparity in Africa is stark, with over 52% remaining unbanked.

數位資產擁有無與倫比的功能，提供高度便利且變革性的金融體驗。在發展中國家，獲得傳統金融服務的機會仍然有限，加密貨幣充當生命線，賦予個人財務自主權。在美國，只有 6% 的成年人沒有銀行帳戶，而非洲的差距則十分明顯，超過 52% 的成年人沒有銀行帳戶。

Despite its nascent adoption, cryptocurrency is gaining traction as a legitimate payment method. Global payment companies and trading platforms have partnered to issue crypto credit cards, expanding cryptocurrency's reach. Renowned organizations such as Wikipedia, Microsoft, and Google embrace Bitcoin (BTC) payments, while Google exclusively partners with Coinbase to facilitate crypto payments for its cloud services. Time Magazine's collaboration with Crypto.com streamlines digital asset payments for subscriptions, further solidifying crypto's integration into mainstream commerce.

儘管加密貨幣剛剛被採用，但它作為一種合法的支付方式正在受到越來越多的關注。全球支付公司和交易平台已合作發行加密信用卡，擴大了加密貨幣的影響範圍。維基百科、微軟和谷歌等知名組織都支援比特幣 (BTC) 支付，而谷歌則與 Coinbase 獨家合作，為其雲端服務提供加密貨幣支付。 《時代雜誌》與 Crypto.com 的合作簡化了訂閱的數位資產支付，進一步鞏固了加密貨幣與主流商業的融合。

Lugano: A City Embracing Cryptocurrency

盧加諾：擁抱加密貨幣的城市

Lugano's PlanB initiative has revolutionized urban living, enabling residents and visitors to navigate the city solely through cryptocurrency. Beyond online payments, over 400 merchants now accept digital assets, a testament to the collaborative efforts of the city administration and Bitfinex. This partnership has fostered a platform that seamlessly supports payments with Bitcoin, Tether (USDT), and the city's LVGA token. Lugano envisions expanding cryptocurrency acceptance to 2,000 stores in the years to come.

盧加諾的 PlanB 計劃徹底改變了城市生活，使居民和遊客能夠僅透過加密貨幣在城市中暢遊。除了線上支付之外，現在還有 400 多家商家接受數位資產，證明了市政府和 Bitfinex 的合作努力。此次合作打造了一個無縫支援比特幣、Tether (USDT) 和該市 LVGA 代幣支付的平台。 Lugano 預計在未來幾年將加密貨幣的接受度擴大到 2,000 家商店。

Tax Payments and Ready-Made Solutions

納稅和現成的解決方案

Companies strive to simplify tax payments through cryptocurrency. Coinbase offers a dedicated solution that assists users in reporting capital gains or losses to the IRS. Through a partnership with Cointracker, users can obtain a summary of their taxable activity, facilitating seamless sharing with accountants or integration into tax software.

公司努力透過加密貨幣簡化納稅。 Coinbase 提供專用解決方案，幫助用戶向 IRS 報告資本利得或損失。透過與 Cointracker 合作，使用者可以獲得其應稅活動的摘要，從而促進與會計師的無縫共享或整合到稅務軟體中。

Navigating Adoption Challenges

應對採用挑戰

The growth trajectory of cryptocurrencies is not without obstacles. The initial introduction of plastic payment cards elicited confusion, with some innovations eliciting public resistance. Such reactions are rooted in the fear of the unfamiliar. However, these hurdles are gradually diminishing as user training and adjustment foster wider adoption.

加密貨幣的成長軌跡並非沒有障礙。塑膠支付卡的最初引入引起了混亂，一些創新引起了公眾的抵制。這種反應根源於對陌生事物的恐懼。然而，隨著使用者培訓和調整促進更廣泛的採用，這些障礙正在逐漸減少。

Promising Forecasts and Institutional Involvement

有希望的預測和機構參與

Forecasts for the future of cryptocurrency remain optimistic. Juniper Research predicts a remarkable 75% global usage of digital wallets by 2025, while a 2022 study indicated that 36% of respondents were inclined to receive their salaries partly or entirely in cryptocurrencies. These figures underscore the growing demand, compelling a shift in supply to meet the anticipated surge within the next two years.

對加密貨幣未來的預測仍然樂觀。 Juniper Research 預測，到 2025 年，全球數位錢包的使用率將達到 75%，而 2022 年的一項研究表明，36% 的受訪者傾向於部分或全部以加密貨幣形式領取工資。這些數字凸顯了需求的不斷增長，迫使供應轉變，以滿足未來兩年內預期的激增。

A pivotal moment in the integration of cryptocurrencies with the financial industry occurred with the approval of spot Bitcoin ETFs in the United States in January. This move signified the initiation of the "legalization" of crypto assets, instilling confidence in users. Institutional participation from the likes of MicroStrategy, Square, and Tesla further enhances crypto's credibility and paves the way for the wider adoption of blockchain-related services.

隨著 1 月美國批准現貨比特幣 ETF，加密貨幣與金融業融合的關鍵時刻出現了。此舉標誌著加密資產「合法化」的啟動，給用戶注入了信心。 MicroStrategy、Square 和 Tesla 等機構的參與進一步增強了加密貨幣的可信度，並為更廣泛地採用區塊鏈相關服務鋪平了道路。

Synergy between Crypto and Traditional Finance

加密貨幣與傳統金融之間的協同作用

The crypto industry is continuously expanding its offerings, introducing innovative products and payment methods. While these advancements are unlikely to displace financial institutions overnight, they may play a complementary role, particularly in scenarios requiring seamless transactions or groundbreaking payment solutions.

加密產業正在不斷擴大其產品範圍，推出創新產品和支付方式。雖然這些進步不太可能在一夜之間取代金融機構，但它們可能會發揮補充作用，特別是在需要無縫交易或突破性支付解決方案的場景中。

Cryptocurrency regulation could foster a closer collaboration between crypto exchanges and banks. In the near future, it is conceivable that individuals could access loans from their banks in the form of altcoins. Banks may adapt, resembling exchanges with specific operational nuances. Decentralized finance (DeFi) platforms, such as Polygon, Archblock, and Curve Finance, could bypass financial intermediaries, providing high-quality services at low costs.

加密貨幣監管可以促進加密貨幣交易所和銀行之間更密切的合作。在不久的將來，可以想像，個人可以以山寨幣的形式向銀行獲得貸款。銀行可能會做出調整，就像交易所一樣，有特定的操作細微差別。 Polygon、Archblock 和 Curve Finance 等去中心化金融（DeFi）平台可以繞過金融中介機構，以低成本提供高品質的服務。

Embracing the Unforeseen

擁抱不可預見的事情

The history of financial instruments reveals the unpredictable nature of technological advancements. The evolving regulatory landscape and growing adoption highlight the pivotal role of cryptocurrencies in everyday payments, ushering in more sophisticated financial systems.

金融工具的歷史揭示了技術進步的不可預測性。不斷變化的監管環境和不斷增長的採用凸顯了加密貨幣在日常支付中的關鍵作用，從而催生了更複雜的金融系統。

Author's Perspective

筆者的觀點

Gracy Chen, the managing director of crypto derivatives exchange Bitget, emphasizes the importance of financial inclusion and user-centric solutions. Her experience in the global financial sector, including roles at Fortune 500 companies and venture-backed startups, shapes her insights into the transformative potential of cryptocurrencies.

加密貨幣衍生品交易所 Bitget 董事總經理 Gracy Chen 強調了金融普惠和以用戶為中心的解決方案的重要性。她在全球金融領域的經驗，包括在財富 500 強公司和風險投資支持的新創公司的職位，使她對加密貨幣的變革潛力有了深刻的見解。

Disclaimer

免責聲明

This article serves as general information and should not be construed as legal or investment advice. The views expressed are solely those of the author and do not necessarily reflect the opinions or positions of Cointelegraph.

本文作為一般訊息，不應被視為法律或投資建議。所表達的觀點僅代表作者的觀點，不一定反映 Cointelegraph 的意見或立場。