預計到2026年，幾乎有五分之一的加密貨幣所有者將使用其資產來付款，而2024年僅14.2％

到2025年，全球有超過5.6億人擁有加密貨幣，因此為加密支付系統提供了重要的消費者基礎。

Almost one in five cryptocurrency owners are expected to be using their assets for payments by 2026, up from only 14.2% in 2024, showcasing a shift towards actual crypto adoption. By 2025, more than 560 million people worldwide own cryptocurrencies, presenting a significant consumer base for crypto payment systems.

預計到2026年，幾乎有五分之一的加密貨幣所有者將使用其資產來付款，從2024年的14.2％上升，展示了向實際採用加密貨幣的轉變。到2025年，全世界有超過5.6億人擁有加密貨幣，為加密支付系統提供了重要的消費基礎。

The recently introduced Visa-enabled card for crypto transactions, WhiteBIT Nova, has already processed more than 1 million transactions at WhiteBIT, Europe’s largest cryptocurrency exchange in terms of traffic, further validating the increasing importance of digital assets in daily spending.

Whitebit Nova最近推出了用於加密交易的簽證卡，已經在歐洲最大的加密貨幣交換的Whitebit上處理了超過100萬筆交易，進一步驗證了數字資產在日常支出中的重要性。

While global debit and credit card transactions continue to dominate financial markets, crypto cards are emerging as strong contenders. They offer unique benefits such as enhanced privacy, borderless transactions, and cryptocurrency-based rewards. The global crypto credit card market, valued at USD 1.3 billion in 2024, is projected to reach USD 220.46 billion by 2033, growing at a CAGR of 8.6% during the forecast period.

儘管全球借記卡和信用卡交易繼續佔據主導地位，但加密卡卻是強大的競爭者。他們提供了獨特的好處，例如增強的隱私，無邊界交易和基於加密貨幣的獎勵。全球加密信用卡市場（2024年價值13億美元）預計到2033年將達到2204.6億美元，在預測期內以8.6％的複合年增長率增長。

The convenience of crypto cards lies in the ability to instantly convert crypto to fiat at the point of sale, rendering digital assets more practical for everyday purchases.

加密卡的便利性在於能夠在銷售點立即將加密貨幣轉換為法定，從而使數字資產更實用。

WhiteBIT’s latest data shows that its crypto card users are engaging in spending patterns similar to conventional cardholders, with purchases spanning everyday essentials, entertainment, and luxury goods.

Whitebit的最新數據表明，其加密卡用戶正在從事類似於傳統持卡人的支出模式，購買涵蓋日常必需品，娛樂和奢侈品。

Cashback Incentives: A Major Factor in the Adoption of Crypto Cards

現金返還激勵措施：採用加密卡的主要因素

Customers regularly select cash back as their preferred credit card benefit.

客戶定期選擇現金返還作為他們首選的信用卡福利。

Crypto cashback is becoming a key driver for WhiteBIT Nova card users as well. The top categories for cashback benefits include:

Crypto Cashback也成為Whitebit Nova Card用戶的關鍵驅動力。現金返還福利的主要類別包括：

• Food & Cafés (20.4%), groceries (22.8%), and subscriptions (14.1%) fall into the category of daily necessities.

•食品和咖啡館（20.4％），雜貨（22.8％）和訂閱（14.1％）屬於每日必需品類別。

• Recreation & Entertainment: Gaming (7.3%), entertainment (8.2%), and taxi services (10.7%).

•娛樂與娛樂：遊戲（7.3％），娛樂（8.2％）和出租車服務（10.7％）。

• Travel & Lifestyle: Airlines (4.2%), Auto expenditures (4.9%)

•旅行與生活方式：航空公司（4.2％），汽車支出（4.9％）

• Purchases pertaining to pets (3.9%) and medications (3.5%) are examples of wellness and daily spending.

•購買與寵物有關的購買（3.9％）和藥物（3.5％）是健康和日常支出的例子。

The most common options for cashback rewards are still Bitcoin and WBT, although customers are increasingly selecting WBT.

儘管客戶越來越多地選擇WBT，但現金返還獎勵的最常見選擇仍然是比特幣和WBT。

Digital-First: The Rise of Virtual Crypto Cards

數字優先：虛擬加密卡的興起

WhiteBIT Nova card users prefer the virtual card, accounting for 88.52 percent, aligning with global trends in digital payments, while only 11.48 percent opt for the physical card. This is part of a broader trend where by 2026 the number of individuals using digital wallets worldwide is expected to rise by 53% to 5.2 billion, which is more than 60% of the global population.

Whitebit Nova卡用戶更喜歡虛擬卡，佔88.52％，與數字支付的全球趨勢保持一致，而只有11.48％的人選擇了物理卡。這是一個更廣泛的趨勢的一部分，到2026年，全球使用數字錢包的個人人數預計將上升53％，達到52億，這是全球人口的60％以上。

The Distinction Between Cryptocurrency and Traditional Finance Is Closing.

加密貨幣與傳統金融之間的區別正在結束。

The popularity of crypto cards like WhiteBIT Nova reflects how blockchain technology is integrating into the traditional financial domain. Having handled over a million transactions, the WhiteBIT Nova card is demonstrating that digital assets can be smoothly incorporated into daily consumer spending rather than being confined to trading.

Whitebit Nova等加密卡的受歡迎程度反映了區塊鏈技術如何集成到傳統金融領域。 Whitebit Nova卡在處理超過一百萬筆交易之後，證明數字資產可以平穩地納入日常消費者支出中，而不是局限於交易。