Floki 與萬事達卡合作在歐洲推出加密金融卡

Floki 是一種流行的加密貨幣，推出了一款可在 31 個歐洲國家使用的免費借記卡。

Floki, a meme coin, has introduced a no-fee debit card available in 31 European countries. The card allows users to spend popular digital assets, including Bitcoin (BTC), Ether (ETH), USD Coin (USDC), Tether (USDT), BNB Chain’s BNB, and FLOKI, at merchants accepting Visa or Mastercard.

Floki 是一種迷因幣，推出了一款可在 31 個歐洲國家使用的免費借記卡。該卡允許用戶在接受 Visa 或 Mastercard 的商家消費流行的數位資產，包括比特幣 (BTC)、以太幣 (ETH)、美元硬幣 (USDC)、Tether (USDT)、BNB Chain 的 BNB 和 FLOKI。

The new offering features both physical and virtual card options. A physical card is priced at $33, while the virtual version costs just over $10. While transactions and exchange rates incur no fees, a 2% top-up fee applies when transferring tokens to the card’s associated spending account.

新產品提供實體卡和虛擬卡選項。實體卡的售價為 33 美元，而虛擬卡的價格剛剛超過 10 美元。雖然交易和匯率不產生任何費用，但將代幣轉移到卡片的關聯支出帳戶時需要支付 2% 的充值費用。

Floki’s core advisor, identified as “B,” highlighted the card’s convenience, noting that holders can directly spend their tokens at millions of merchants without additional steps. Plans for a VIP card with enhanced spending limits —up to $50,000 per day and $250,000 per month — are also in development.

Floki 的核心顧問（標識為「B」）強調了該卡的便利性，並指出持有者可以直接在數百萬商家使用其代幣，而無需額外的步驟。提高消費限額的 VIP 卡計畫也正在製定中——每天最高 5 萬美元，每月 25 萬美元。

The debit card supports over eight blockchain networks, expanding its appeal to a wide range of cryptocurrency users. However, it will not be available in regions under OFAC sanctions or where local banking restrictions apply.

該借記卡支援超過八個區塊鏈網絡，擴大了其對廣泛的加密貨幣用戶的吸引力。但是，在 OFAC 制裁的地區或當地銀行業受到限制的地區將無法使用該功能。

Floki is not the only crypto company capitalizing on a growing tech-savvy youth looking to spend their crypto via traditional methods. The global crypto credit card market, valued at USD 25 billion in 2023, is projected to grow at a CAGR of 32% to reach USD 401.49 billion by 2033, driven by the integration of decentralized finance (DeFi) into the financial sector. These cards allow users to combine fiat currency and cryptocurrency for purchases, enhancing financial flexibility and enabling access to DeFi features such as yield generation and decentralized lending. North America currently leads the market with 56.3% of the share due to its strong cryptocurrency innovation, while the Asia Pacific region is poised for the fastest growth, fueled by technological advancements. Regular crypto credit cards dominate the market with a 43.24% share, primarily due to their increasing use in gambling and seamless conversion of digital assets to fiat currency.

Floki 並不是唯一一家利用日益增長的精通技術的年輕人希望透過傳統方法使用加密貨幣的加密貨幣公司。在去中心化金融（DeFi）融入金融領域的推動下，全球加密信用卡市場預計到 2023 年將達到 250 億美元，複合年增長率為 32%，到 2033 年將達到 4,014.9 億美元。這些卡片允許用戶結合法定貨幣和加密貨幣進行購買，增強財務靈活性並允許使用收益產生和去中心化借貸等 DeFi 功能。由於其強大的加密貨幣創新，北美目前以 56.3% 的份額領先市場，而亞太地區在技術進步的推動下有望實現最快的成長。普通加密信用卡以 43.24% 的份額佔據市場主導地位，這主要是因為它們在賭博中的使用越來越多，以及數位資產與法定貨幣的無縫轉換。

The Banking, financial services, and insurance (BFSI) sector accounted for the largest market share (39.1%) in 2023, driven by the rising need for smooth monetary transactions, while personal consumption is the fastest-growing application segment. Rewards-based crypto credit cards are expected to see substantial growth due to technological innovations. Key industry developments, such as the introduction of the Gemini Credit Card in 2021, are helping drive adoption by allowing users to earn cryptocurrency rewards without annual fees, further integrating digital assets into daily financial transactions.

受流暢貨幣交易需求不斷增長的推動，銀行、金融服務和保險（BFSI）產業在 2023 年佔據最大的市場份額（39.1%），而個人消費是成長最快的應用領域。由於技術創新，基於獎勵的加密信用卡預計將大幅成長。關鍵的產業發展，例如 2021 年推出的 Gemini 信用卡，允許用戶無需年費即可獲得加密貨幣獎勵，從而進一步將數位資產融入日常金融交易，有助於推動採用。

Currently, Floki’s card is available in Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovenia, Romania, Slovakia, Spain, Sweden, and Switzerland. Floki has expressed intentions to expand the offering to additional regions in the future.

目前，Floki的卡可在奧地利、比利時、保加利亞、塞浦路斯、克羅埃西亞、捷克共和國、丹麥、愛沙尼亞、芬蘭、法國、德國、希臘、匈牙利、冰島、愛爾蘭、義大利、拉脫維亞、列支敦士登、立陶宛、盧森堡、馬耳他、荷蘭、挪威、波蘭、葡萄牙、斯洛維尼亞、羅馬尼亞、斯洛伐克、西班牙、瑞典和瑞士。 Floki 表示有意在未來將產品擴展到更多地區。