加密貨幣採用率飆升：瑞士盧加諾市擁抱數位支付革命

數位資產提供便利性、包容性和成本效益，使其成為傳統支付系統的可行替代方案。盧加諾等城市展示了加密貨幣整合的潛力，超過 15% 的公民使用穩定幣進行日常交易。與大公司的可及性和合作夥伴關係加速了採用，而監管發展和機構參與則建立了信任並推動了創新。儘管最初存在懷疑和用戶培訓方面的挑戰，加密貨幣仍有望改變金融實踐，為與銀行和其他金融機構的無縫整合鋪平道路。

Cryptocurrency Adoption Reaches New Heights as Swiss City Lugano Embraces Digital Payments

瑞士城市盧加諾擁抱數位支付，加密貨幣採用達到新高度

Lugano, Switzerland: In a testament to the growing acceptance of cryptocurrency in everyday transactions, the Swiss city of Lugano has emerged as a global leader in the adoption of digital assets. Over 15% of Lugano's citizens now regularly utilize the city's stablecoin, LVGA, for a wide range of payments, from bill settlements and restaurant purchases to accessing online services.

瑞士盧加諾：瑞士城市盧加諾已成為數位資產採用的全球領導者，證明了加密貨幣在日常交易中的接受度不斷提高。目前，超過 15% 的盧加諾市民經常使用該市的穩定幣 LVGA 進行各種支付，從帳單結算、餐廳購物到存取線上服務。

Digital Assets: Unmatched Accessibility and Convenience

數位資產：無與倫比的可及性和便利性

Digital assets offer unparalleled advantages over traditional financial systems, particularly in terms of accessibility. In developing countries, where traditional financial services remain exclusive to a privileged few, cryptocurrency has the potential to bridge the gap. While only 6% of adults in the United States lack bank accounts, that figure soars to over 52% in Africa, highlighting the urgent need for inclusive financial solutions.

與傳統金融系統相比，數位資產具有無與倫比的優勢，特別是在可訪問性方面。在發展中國家，傳統金融服務仍然是少數特權人士的專有，加密貨幣有潛力彌補這一差距。雖然美國祇有 6% 的成年人沒有銀行帳戶，但非洲這一數字飆升至 52% 以上，凸顯了對包容性金融解決方案的迫切需求。

Although cryptocurrency has yet to match the prevalence of traditional payment systems for household payments, widespread acceptance is on the horizon. Cryptocurrency credit cards, jointly issued by global payment giants and crypto trading platforms, are paving the way for seamless digital payments. Stores and services, including prominent names like Wikipedia, Microsoft, and Google, now accept payments in Bitcoin. Coinbase, the leading crypto exchange, has partnered with Google to facilitate crypto payments for cloud services, while Time Magazine has teamed up with Crypto.com to streamline digital asset payments for subscriptions.

儘管加密貨幣尚未與傳統家庭支付系統的普及程度相匹配，但廣泛接受即將到來。全球支付巨頭和加密貨幣交易平台聯合發行的加密貨幣信用卡正在為無縫數位支付鋪平道路。商店和服務，包括維基百科、微軟和谷歌等知名品牌，現在都接受比特幣付款。領先的加密貨幣交易所 Coinbase 與 Google 合作，促進雲端服務的加密支付，而《時代》雜誌則與 Crypto.com 合作，簡化訂閱的數位資產支付。

Tax Payments and Crypto Integration

納稅和加密貨幣集成

Cities like Lugano are pioneering the use of cryptocurrency for tax payments. Residents can make payments by scanning a QR code on their bills and selecting a preferred digital wallet. PlanB, a city initiative, announced that Lugano residents and visitors could live entirely on cryptocurrency. In addition to online payments, Lugano boasts over 400 merchants accepting digital assets, thanks to a collaboration between the city administration and Bitfinex, which developed a platform supporting payments in Bitcoin via Lightning, Tether via Polygon, and the city's LVGA token. Plans are underway to expand the number of crypto-accepting locations to 2,000 stores in the coming years.

盧加諾等城市正率先使用加密貨幣納稅。居民可以透過掃描帳單上的二維碼並選擇首選的數位錢包進行付款。 PlanB 是一項城市倡議，宣布盧加諾居民和遊客可以完全依靠加密貨幣生活。除了線上支付之外，盧加諾還擁有超過400 家接受數位資產的商戶，這要歸功於市政府與Bitfinex 之間的合作，Bitfinex 開發了一個平台，支持透過閃電網路、Tether 透過Polygon 和該市的LVGA 代幣進行比特幣支付。目前正在計劃在未來幾年將接受加密貨幣的商店數量擴大到 2,000 家。

Tax preparation is another area where cryptocurrency is gaining traction. Companies like Coinbase offer tailored solutions for users to report capital gains or losses to tax authorities. Through partnerships with platforms like Cointracker, users can obtain a summary of their taxable activity for sharing with accountants or input into tax software.

稅務準備是加密貨幣越來越受歡迎的另一個領域。 Coinbase 等公司為用戶提供量身定制的解決方案，以向稅務機關報告資本利得或損失。透過與 Cointracker 等平台的合作，使用者可以獲得應稅活動的摘要，以便與會計師共享或輸入稅務軟體。

Overcoming Barriers to Adoption

克服收養障礙

Despite the growing momentum, cryptocurrency adoption is not without its challenges. Plastic payment cards, upon their initial introduction, faced skepticism and resistance from the public. Unfamiliarity often breeds fear, and the prospect of a zero balance instead of the customary monthly fees can be unsettling. User training and adaptation can also hinder adoption rates.

儘管勢頭不斷增長，但加密貨幣的採用並非沒有挑戰。塑膠支付卡一推出就面臨大眾的懷疑和抵制。不熟悉往往會滋生恐懼，而零餘額而不是慣常的月費的前景可能會令人不安。使用者培訓和適應也會阻礙採用率。

However, the outlook remains optimistic. Juniper Research projects that the global usage rate of digital wallets will exceed 75% by 2025. A 2022 study revealed that 36% of respondents were open to receiving a portion or all of their salaries in cryptocurrency. These figures indicate a growing demand, which the supply side is poised to meet in the next two years.

然而，前景仍然樂觀。 Juniper Research 預計，到 2025 年，數位錢包的全球使用率將超過 75%。2022 年的一項研究顯示，36% 的受訪者願意接受加密貨幣的部分或全部工資。這些數字顯示需求不斷增長，供應方預計在未來兩年內滿足這一需求。

Regulatory Acceptance and Institutional Adoption

監理接受和機構採用

A significant milestone in cryptocurrency's integration with the financial mainstream was the approval of spot Bitcoin ETFs in the United States in January. This move signifies the growing acceptance and legitimacy of crypto assets.

加密貨幣與金融主流融合的一個重要里程碑是 1 月美國批准現貨比特幣 ETF。此舉標誌著加密資產的接受度和合法性不斷提高。

Ordinary users are gaining confidence in the use of cryptocurrency, recognizing it as a natural and essential aspect of financial progress. The newfound freedom and flexibility offered by digital assets are redefining the implementation of crypto technology for everyday payments.

普通用戶對加密貨幣的使用越來越有信心，並認識到它是金融進步的一個自然而重要的方面。數位資產提供的新的自由度和靈活性正在重新定義日常支付的加密技術的實施。

Institutional participation, exemplified by players such as MicroStrategy, Square, and Tesla, brings credibility to the industry and paves the way for broader adoption of blockchain-related services.

以 MicroStrategy、Square 和 Tesla 等參與者為代表的機構參與為該行業帶來了可信度，並為更廣泛地採用區塊鏈相關服務鋪平了道路。

The Future of Crypto and Finance

加密貨幣和金融的未來

The crypto industry is continually expanding its offerings, introducing new products, payment methods, and technologies that will likely coexist with traditional financial institutions. While an overnight replacement of banks is unlikely, seamless transactions and innovative payment solutions may bridge the gap in the interim.

加密產業正在不斷擴大其產品範圍，推出可能與傳統金融機構共存的新產品、支付方式和技術。雖然銀行不可能一夜之間被取代，但無縫交易和創新的支付解決方案可能會彌補過渡時期的差距。

Crypto regulations are expected to foster a stronger symbiotic relationship between crypto exchanges and banks. It is not inconceivable that in the near future, users may obtain loans from their banks in the form of their preferred altcoins.

加密貨幣法規預計將促進加密貨幣交易所和銀行之間更牢固的共生關係。在不久的將來，用戶可能會以他們喜歡的山寨幣的形式從銀行獲得貸款，這並非不可想像。

Banks may adapt and evolve towards becoming similar to exchanges with specialized activities. Decentralized finance (DeFi) platforms, such as Polygon, Archblock, and Curve Finance, can bypass intermediaries and offer high-quality services at reduced costs.

銀行可能會適應並發展成為類似於具有專門活動的交易所。 Polygon、Archblock 和 Curve Finance 等去中心化金融（DeFi）平台可以繞過中介機構，以更低的成本提供高品質的服務。

The history of financial instruments demonstrates the often-unpredictable evolution of new technologies. The current regulatory and adoption trends indicate that cryptocurrency is playing an increasingly significant role in everyday payments, propelling the financial world towards more advanced mechanisms.

金融工具的歷史證明了新技術的演變往往是不可預測的。當前的監管和採用趨勢表明，加密貨幣在日常支付中發揮越來越重要的作用，推動金融世界走向更先進的機制。

About the Author

關於作者

Gracy Chen is the Managing Director of Bitget, a leading crypto derivatives exchange. She oversees market expansion, business strategy, and corporate development. Prior to joining Bitget, she held executive positions at Fortune 500 unicorn company Accumulus and venture-backed VR startups XRSPACE and ReigVR. She was also an early investor in BitKeep, Asia's leading decentralized wallet. Chen was recognized as a Global Shaper by the World Economic Forum in 2015. She holds a degree from the National University of Singapore and is currently pursuing an MBA at the Massachusetts Institute of Technology.

Gracy Chen 是領先的加密貨幣衍生品交易所 Bitget 的董事總經理。她負責監督市場擴張、業務策略和公司發展。在加入 Bitget 之前，她曾在財富 500 強獨角獸​​公司 Accumulus 以及由風險投資支持的 VR 新創公司 XRSPACE 和 ReigVR 擔任高階主管。她也是亞洲領先的去中心化錢包BitKeep的早期投資者。 2015 年，陳被世界經濟論壇評為「全球傑出人物」。她擁有新加坡國立大學學位，目前正在麻省理工學院攻讀 MBA。

Disclaimer

免責聲明

This article provides general information and is not intended as legal or investment advice. The views expressed are solely those of the author and do not necessarily reflect the opinions of Cointelegraph.

本文提供一般訊息，並非旨在作為法律或投資建議。所表達的觀點僅代表作者的觀點，不一定反映 Cointelegraph 的意見。