創紀錄的利潤率：革命將年收入翻了一番，達到13億美元

加密貨幣交易的複興，與加密相關的收入同比增長120％。

Fintech juggernaut Revolut has reported a staggering 100% surge in annual profits, doubling its earnings to 1.3 billion dollars.

金融科技劍聖革命報告稱，年度利潤的100％增加了100％，將其收益翻了一番，達到13億美元。

The company’s stellar performance in 2024 can be attributed to several key factors: a sharp rise in user acquisition, expanding financial services, and a renewed surge in cryptocurrency trading, which ultimately bolstered the bottom line.

該公司在2024年的出色表現可以歸因於幾個關鍵因素：用戶獲取的急劇增長，擴大金融服務以及加密貨幣交易的新激增，最終增強了底線。

Founded in 2015, the British startup has rapidly evolved from a travel card provider into a fully fledged digital banking and investment platform. In 2024, it capitalised on renewed market confidence in digital assets and demand for all-in-one financial services, placing it in a prime position to benefit from the ongoing fintech and crypto revolution.

這家英國初創公司成立於2015年，已從旅行卡提供商迅速發展為完全剛剛起步的數字銀行和投資平台。在2024年，它利用了對數字資產的新信心和對多合一金融服務的需求的資本，使其處於從正在進行的金融科技和加密革命中受益的主要位置。

As it stands, the company boasts over 45 million users globally, having added 12 million in 2024 alone. This incredible feat was driven by a strategic push into emerging markets and enhanced product offerings, such as commission-free stock trading and high-yield savings, which ultimately helped fuel this impressive adoption rate.

就目前而言，該公司在全球擁有超過4500萬用戶，僅在2024年就增加了1200萬。這一令人難以置信的壯舉是由對新興市場和增強產品產品（例如無佣金股票交易和高收益儲蓄）的戰略推動驅動的，這最終有助於提高這種令人印象深刻的採用率。

Furthermore, while competitors like N26 have struggled to generate consistent profitability despite boasting a similar user base, Revolut's diverse revenue streams have enabled it to achieve substantial earnings.

此外，儘管像N26這樣的競爭對手儘管擁有類似的用戶群，但仍在努力創造一致的盈利能力，但Revolut的多樣化收入來源使其能夠實現大量的收入。

The company's report highlights that its revenue nearly doubled in 2024, jumping to 3.1 billion pounds (about $4.2 billion) from 1.8 billion pounds in 2023. This was driven by a 120% increase in revenue from cryptocurrency-related activity, outpacing its core banking products.

該公司的報告強調，其收入在2024年幾乎翻了一番，從2023年的18億英鎊躍升至31億英鎊（約42億美元）。這是由於與加密貨幣相關的活動的收入增加了120％，從而超過了其核心銀行產品。

This new report from FinTech disclosed that its 2024 profits doubled to 1.3 billion dollars, up from 438 million pounds. The company's performance can be linked to its expanding financial services and a strong interest in cryptocurrency trading.

金融科技的這份新報告透露，其2024年的利潤增加了一倍，達到13億美元，高於4.38億英鎊。該公司的業績可以與其不斷擴大的金融服務和對加密貨幣交易的濃厚興趣有關。

The company's report also revealed that its revenue almost doubled in 2024, increasing to 3.1 billion pounds (about $4.2 billion) from 1.8 billion pounds in 2023. This was driven by a 120% increase in revenue from cryptocurrency-related activity, outpacing its core banking products.

該公司的報告還顯示，其收入在2024年幾乎翻了一番，從2023年的18億英鎊增加到31億磅（約42億美元）。這是由於與加密貨幣相關的活動的收入增加了120％，從而超過了其核心銀行產品。

This finding is significant as it highlights the company's ability to generate profit from sources other than traditional banking fees. It seems that the company's strategy of combining banking, investing, and crypto in one app is paying off.

這一發現很重要，因為它突出了該公司從傳統銀行費用以外的其他來源中獲得利潤的能力。似乎該公司在一個應用程序中將銀行，投資和加密貨幣結合起來的戰略正在得到回報。

The company's performance also comes in stark contrast to its European competitor, N26, which recently announced that it had become profitable after burning through millions in investor funds over the past few years. The German fintech, which boasts a similar user base to Revolut, said it swung to a small operating profit in the first half of 2024 after posting a loss of 161 million euros ($174.34 million) in 2023.

該公司的業績也與其歐洲競爭對手N26形成鮮明對比，後者最近宣布，在過去幾年中，它通過數百萬投資資金而燃燒後已獲得盈利。德國金融科技擁有與革命相似的用戶群，他說，在2023年發布了1.61億歐元（1.7434億美元）後，在2024年上半年的營業利潤很小。

This finding is in contrast to a report by the Financial Times last year, which stated that N26 was planning to lay off staff and close units in order to become profitable by 2024.

這一發現與去年《金融時報》的一份報告相反，該報告指出，N26計劃裁員和關閉單位，以便到2024年才能盈利。

The company's performance also comes amid increased scrutiny from financial watchdogs over fintech firms and their involvement in the crypto industry. Earlier this year, the U.S. Federal Reserve warned that several fintech firms had applied for deposit insurance and were now offering checking and savings accounts, but they might not have the same level of safety as traditional, fully insured banks.

由於對金融科技公司的財務監管機構的審查以及他們參與加密行業的審查，該公司的業績也在進行。今年早些時候，美國美聯儲警告說，幾家金融科技公司已申請存款保險，現在提供支票和儲蓄帳戶，但它們的安全水平可能與傳統，全額保險的銀行相同。

Despite this, Revolut has proactively worked to ensure compliance, securing crypto licenses in several European jurisdictions and enhancing its transparency practices. This forward-thinking approach helped it gain a competitive edge over slower-moving rivals.

儘管如此，Revolut還是積極地致力於確保合規性，在幾個歐洲司法管轄區獲得加密許可並提高其透明度實踐。這種前瞻性的方法有助於它比較慢的競爭對手獲得競爭優勢。

Profits and Outlook Point to Sustained Momentum

持續勢頭的利潤和前景點

With net profits reaching $1.3 billion from roughly $630 million the previous year, Revolut has firmly established itself as a fintech leader with a sustainable business model. The doubling of profits reflects operational efficiency and successful revenue stream diversification.

由於上一年的淨利潤從大約6.3億美元達到13億美元，Revolut已牢固地確立了具有可持續商業模式的金融科技領導者。利潤的加倍反映了運營效率和成功的收入流多樣性。

Operating margins improved significantly, thanks partly to automation, improved customer onboarding, and tight cost control. The company's strategy of expanding into new markets and offering a broad range of financial services appears to be paying off in the form of increased user engagement and spending within the app.

運營利潤率大大提高，部分歸功於自動化，改善了客戶入職和成本控制的嚴格控制。該公司擴展到新市場和提供廣泛金融服務的戰略似乎正在以增加應用程序中的用戶參與度和支出的形式獲得回報。

The company also hinted at a possible IPO shortly, which could be buoyed by investor optimism surrounding its strong growth fundamentals and global expansion plans. Revolut plans to deepen its offerings in the crypto and AI-powered finance sectors while expanding in Latin America and Southeast Asia.

該公司還暗示了不久的可能性IPO，這可能會受到圍繞其強大的增長基本面和全球擴張計劃的投資者樂觀的鼓舞。 Revolut計劃在拉丁美洲和東南亞擴大，加深其在加密貨幣和AI驅動的財務部門的產品。

Analysts suggest that as long as the company maintains its innovative edge and regulatory alignment, its growth trajectory will likely continue. "We’re building a global financial super-app, and this is just the beginning," said Nik Storonsky, CEO of Revolut.

分析師建議，只要公司保持其創新的優勢和監管一致性，其增長軌跡就很可能會繼續下去。 Revolut首席執行官Nik Storonsky說：“我們正在建立全球金融超級應用，這僅僅是開始。”