Nubank 為其 8,800 萬用戶推出 USDC 獎勵並擴展加密功能

拉丁美洲最大的新銀行 Nubank 為其加密貨幣用戶推出了 USDC 獎勵，並擴展了其應用程式中的可用功能。

Latin America’s largest digital bank, Nubank, has rolled out several new features for its crypto users, including USDC rewards and expanded in-application functionalities.

拉丁美洲最大的數位銀行 Nubank 為其加密用戶推出了多項新功能，包括 USDC 獎勵和擴展的應用程式內功能。

The Brazilian neobank announced the new features in a blog post on Tuesday, offering incentives and use cases to users of its crypto platform.

巴西新銀行週二在一篇部落格文章中宣布了這些新功能，為其加密平台的用戶提供激勵措施和用例。

Nubank now offers up to a 4% annual percentage yield (APY) for users who choose to hold USDC on its crypto platform. Interested users can opt into the program by clicking the “I Want to Participate” option in their Nubank wallet.

Nubank 現在為選擇在加密平台上持有 USDC 的用戶提供高達 4% 的年收益率 (APY)。有興趣的用戶可以透過點擊 Nubank 錢包中的「我想參與」選項來選擇加入該計劃。

However, the new reward feature is subject to a minimum balance clause. According to the disclosure, only users with up to 10 USDC in their Nubank crypto wallet will be able to participate in the program.

然而，新的獎勵功能受最低餘額條款的約束。據披露，只有 Nubank 加密錢包中擁有最多 10 USDC 的用戶才能參與該計劃。

The digital bank will automatically credit earned USDC to the participant's wallet every 24 hours. Additionally, the rewards will be instantly available for use, allowing users to trade or swap the received incentives immediately.

數位銀行每24小時自動將賺取的USDC存入參與者的錢包。此外，獎勵將立即可用，允許用戶立即交易或交換收到的獎勵。

The yield program is strikingly similar to Coinbase’s USDC reward scheme. The leading exchange credits users who hold at least 1 USDC monthly with a prorated annual percentage yield (APY) based on the customer’s daily balance. However, Coinbase has recently discontinued the earn program for European users due to MiCA regulations.

該收益計劃與 Coinbase 的 USDC 獎勵計劃驚人相似。領先的交易所根據客戶的每日餘額，為每月持有至少 1 USDC 的用戶提供按比例分配的年收益率 (APY)。然而，由於 MiCA 法規，Coinbase 最近停止了針對歐洲用戶的賺取計劃。

Nubank's USDC reward is intended to complement its existing benefits for crypto wallet users. The virtual banking giant launched the USDC pilot program for selected users in March 2024 and, following a successful test, announced it would apply the incentive to all users.

Nubank 的 USDC 獎勵旨在補充其為加密錢包用戶提供的現有福利。這家虛擬銀行巨頭於 2024 年 3 月針對部分用戶推出了 USDC 試點計劃，並在測試成功後宣布將向所有用戶提供激勵措施。

Nubank also highlighted a growing preference for USDC among its user base. According to the announcement, 30% of its users now hold the Circle-issued stablecoin in their portfolio, while the number of USDC in the platform increased tenfold in 2024.

Nubank 也強調其用戶群對 USDC 的偏好日益增長。根據公告，目前 30% 的用戶在其投資組合中持有 Circle 發行的穩定幣，而該平台中的 USDC 數量到 2024 年將增加十倍。

Furthermore, the neobank debuted an in-app functionality that enables users to swap their crypto assets last November. With this feature, Nubank crypto users can swap their Bitcoin, Ethereum, Solana, or Uniswap for USDC and vice versa.

此外，neobank 在去年 11 月推出了應用程式內功能，使用戶能夠交換其加密資產。借助此功能，Nubank 加密貨幣用戶可以將其比特幣、以太坊、Solana 或 Uniswap 交換為 USDC，反之亦然。

Notably, the in-app functionality also keeps users informed about crypto market price fluctuations. For USDC, Nubank’s app will notify customers when the stablecoin moves by 0.5%, 1.5%, or 2% against the US dollar. It will also alert wallet users to a 3%, 6%, or 9% price variation on BTC, ETH, SOL, or UNI.

值得注意的是，應用程式內功能還可以讓用戶了解加密貨幣市場價格波動。對於 USDC，當穩定幣兌美元匯率變動 0.5%、1.5% 或 2% 時，Nubank 的應用程式將通知客戶。它還會提醒錢包用戶 BTC、ETH、SOL 或 UNI 的 3%、6% 或 9% 價格變化。

Nubank has a large user base, with over 88 million users in Brazil and an additional 6 million in other Latin American countries such as Mexico and Colombia. In December 2021, the fintech giant attained a valuation of $45 billion during its initial public offering (IPO), having operated for eight years prior.

Nubank 擁有龐大的用戶群，在巴西擁有超過 8,800 萬用戶，在墨西哥和哥倫比亞等其他拉丁美洲國家還有 600 萬用戶。 2021 年 12 月，這家金融科技巨頭在首次公開募股 (IPO) 中獲得了 450 億美元的估值，此前已經運營了 8 年。