FDIC 加密貨幣調查：92% 的用戶持有資產作為投資，無銀行帳戶家庭使用加密貨幣的數量少於任何其他群體

在FDIC 新發布的《FDIC 無銀行帳戶和銀行服務不足家庭全國調查》中，在30,000 個家庭中，無銀行帳戶家庭實際上使用加密貨幣的比例為1.2%，低於其他任何群體，而銀行帳戶不足的家庭為6.2%，銀行帳戶齊全的家庭為4.8%。

The FDIC released its National Survey of Unbanked and Underbanked Households on Friday. The survey included questions on crypto use for the first time ever, revealing that only 4.2% of American households reported using crypto in 2023.

FDIC 週五發布了全國無銀行帳戶和銀行帳戶不足家庭調查。該調查首次納入了加密貨幣使用的問題，顯示只有 4.2% 的美國家庭在 2023 年使用加密貨幣。

Of those who used crypto, the vast majority (92%) held the assets as investments, while only 3.3% used it as a way to send and receive money. This suggests that crypto is primarily being used by Americans as a store of value rather than a medium of exchange.

在使用加密貨幣的人中，絕大多數（92%）持有資產作為投資，而只有 3.3% 的人將其用作發送和接收資金的方式。這顯示加密貨幣主要被美國人用作價值儲存手段，而不是交換媒介。

The use of crypto also varied widely by household characteristics. For example, higher-income households were more likely to use crypto than lower-income households. Specifically, 7% of households with income of $75,000 or more used crypto, compared with 1.1 percent of households with less than $15,000 in income.

加密貨幣的使用也因家庭特徵而有很大差異。例如，高收入家庭比低收入家庭更有可能使用加密貨幣。具體來說，收入在 75,000 美元或以上的家庭中，有 7% 使用加密貨幣，而收入低於 15,000 美元的家庭中，這一比例為 1.1%。

Additionally, younger households were more likely to use crypto than older households. For instance, 9.8% of households aged 25 to 34 used crypto, compared with 1.2 percent of households aged 65 or older.

此外，年輕家庭比老年家庭更有可能使用加密貨幣。例如，25 歲至 34 歲的家庭中有 9.8% 使用加密貨幣，而 65 歲或以上的家庭只有 1.2% 使用加密貨幣。

The survey also found that Asian and White households were more likely to use crypto than Black and Hispanic households. Specifically, 7.5% of Asian households and 5.2% of White households used crypto, compared to 3.2% from Black households and 3.5% from Hispanic households.

調查還發現，亞裔和白人家庭比黑人和西班牙裔家庭更有可能使用加密貨幣。具體而言，7.5% 的亞洲家庭和 5.2% 的白人家庭使用加密貨幣，而黑人家庭和西班牙裔家庭的比例分別為 3.2% 和 3.5%。

Overall, the survey results provide new insights into the use of crypto by American households and suggest that the technology is still being adopted by a relatively small number of people. However, the high rate of investment use could indicate that crypto is gaining traction as an asset class.

總體而言，調查結果為美國家庭使用加密貨幣提供了新的見解，並表明該技術仍被相對少數的人採用。然而，高投資使用率可能表明加密貨幣作為一種資產類別正在獲得越來越多的關注。