2025 年值得關注的 4 個主要數位資產趨勢

加密貨幣世界將於 2025 年發生重大轉變，監管發展預示著數位資產產業將迎來新的環境。

Here are five key trends to watch in the digital assets space in 2025, according to industry leaders:

產業領導者表示，2025 年數位資產領域有五個值得關注的主要趨勢：

1. Stablecoin-Powered Payments Rise

1.穩定幣驅動的支付興起

Kevin Lehtiniitty, Borderless.xyz CEO, predicts a major shift in the payments industry.

Borderless.xyz 執行長 Kevin Lehtiniitty 預測支付產業將發生重大轉變。

“2025 will mark the beginning of the payments industry transitioning from slow and expensive correspondent banks to fast, cheap, and internet-native money through stablecoins,” he tells TheStreet Crypto.

他告訴 TheStreet Crypto：“2025 年將標誌著支付行業開始從緩慢而昂貴的代理銀行過渡到通過穩定幣實現快速、廉價且互聯網原生的貨幣。”

“The original use case of crypto is back with a vengeance that’s taking the world by storm as consumers and businesses alike turn to stablecoins to move value across borders. We’re going to see the birth of the world’s first truly global fintechs and neobanks all built on top of blockchain based systems that will completely change the way the world banks and transacts across the next five years.”

「隨著消費者和企業都轉向穩定幣來跨國轉移價值，加密貨幣的原始用例捲土重來，席捲了全世界。我們將看到世界上第一個真正的全球金融科技公司和新銀行的誕生，它們都建立在基於區塊鏈的系統之上，這將在未來五年內徹底改變世界銀行和交易的方式。

2. Onchain Startups, Innovation Surges

2. 鏈上新創企業，創新浪潮

“With an oppressive regulatory regime in the U.S. coming to an end, VC capital is going to pour into onchain startups at a rate rivaling the 2021 bull run. Accounts receivable (AR) and accounts payable (AP), payroll, treasury management, creator payments, and remittances are all going to start to flow through these new startups that are going to be default onchain onboarding the next millions of people to blockchain-based assets. While speculation will always be a use case, we’re entering the era of real innovation,” Lehtiniitty adds.

「隨著美國高壓監管制度的結束，創投將以與 2021 年牛市相媲美的速度湧入鏈上新創公司。應收帳款（AR）和應付帳款（AP）、薪資、財務管理、創作者付款和匯款都將開始流經這些新的新創公司，這些新創公司將預設鏈上，讓接下來的數百萬人進入基於區塊鏈的資產。雖然猜測永遠是一個用例，但我們正在進入真正創新的時代，」Lehtiniitty 補充道。

3. Regulatory Clarity

3. 監管清晰度

The upcoming Trump presidential administration is expected to create a more deregulated environment for crypto.

即將上任的川普總統政府預計將為加密貨幣創造一個更放鬆管制的環境。

But it’s not the only jurisdiction undergoing a shift, according to George Georgiades, General Counsel at Borderless.xyz:

但據 Borderless.xyz 總法律顧問 George Georgiades 稱，這並不是唯一一個經歷轉變的司法管轄區：

“In the United States, the New Year will begin with the inauguration of a new president and administration with a stated commitment to fostering innovation in the crypto industry. Globally, MiCA (the European Union's Markets in Crypto-Assets Regulation) along with other regulatory frameworks come in full effect and, although not perfect, will accelerate institutional adoption of blockchain technology.”

「在美國，新年將以新總統和新政府的就職典禮開始，並明確承諾促進加密貨幣產業的創新。在全球範圍內，MiCA（歐盟加密資產市場監管）以及其他監管框架已全面生效，儘管並不完美，但將加速區塊鏈技術的機構採用。

“I expect to see greater engagement between regulators and market participants that will lead to clarity on several complex legal issues ranging from the SEC’s treatment of certain digital assets as securities to evolving anti-money laundering requirements, a reduction in enforcement actions and re-engagement by lawmakers.”

「我預計監管機構和市場參與者之間將有更多的接觸，這將有助於澄清一些複雜的法律問題，包括美國證券交易委員會將某些數位資產視為證券、不斷變化的反洗錢要求、減少執法行動和重新參與等。

4. Convergence of AI, DePIN

4. AI的融合，DePIN

Clara Tsao, founding officer at Filecoin Foundation, tells TheStreet Crypto about the growing intersection of AI and DePIN in 2025.

Filecoin 基金會創辦人 Clara Tsao 向 TheStreet Crypto 講述了 2025 年 AI 和 DePIN 的交叉日益加深的情況。

“Founders and developers working at this junction now are early, but we can expect to see the overlaps between AI and DePIN expanding rapidly in 2025,” Tsao tells TheStreet Crypto.

Tsao 告訴 TheStreet Crypto：“現在在這個領域工作的創始人和開發人員還處於早期階段，但我們預計 AI 和 DePIN 之間的重疊將在 2025 年迅速擴大。”

“DePIN can address some of the AI industry’s most persistent challenges by breaking through scaling bottlenecks, democratizing computational resources, and embedding trust in data.”

“DePIN 可以通過突破擴展瓶頸、使計算資源民主化以及在數據中嵌入信任來解決人工智能行業一些最持久的挑戰。”

“According to a16z, last year, 5% of builders in AI were leveraging DePIN technology. In 2024, this portion has more than doubled to 12%, and the overall share of builders at the convergence of DePIN and AI has increased by nearly 200%,” she tells TheStreet Crypto.

「根據 a16z 的數據，去年，5% 的人工智慧開發者正在利用 DePIN 技術。到 2024 年，這一比例將增加一倍多，達到 12%，而 DePIN 和人工智慧融合的建構者的總體份額增加了近 200%，」她告訴 TheStreet Crypto。

5. NFTs Expand Use Cases

5. NFT 擴充用例

Non-fungible tokens (NFTs) had a breakout year in 2024, with use cases expanding beyond digital art collectibles into music, gaming, and even real estate.

不可替代代幣 (NFT) 在 2024 年迎來了突破，其用例從數位藝術收藏品擴展到音樂、遊戲，甚至房地產。

While the NFT market experienced a downturn in 2022 and 2023, it began to recover in 2024 as major brands, celebrities, and institutions entered the space.

雖然 NFT 市場在 2022 年和 2023 年經歷了低迷，但隨著各大品牌、名人和機構進入該領域，它在 2024 年開始復甦。

This trend is expected to continue in 2025, with NFTs being used for a wider range of applications, including digital identity, supply chain management, and ticketing.

這一趨勢預計將在 2025 年持續下去，NFT 將被用於更廣泛的應用，包括數位身分、供應鏈管理和票務。