新加坡的加密貨幣格局：比特幣佔據主導地位，大規模採用即將到來

新加坡人越來越看好比特幣，目前有 39% 的人對比特幣持更積極的態度。在美國批准現貨比特幣交易所交易基金 (ETF) 等近期行業發展的推動下，新加坡 48% 的加密貨幣投資者打算在未來 12 個月內增加比特幣持有量。大多數新加坡加密貨幣所有者(52%) 主要投資加密貨幣以實現投資組合多元化，儘管利率和生活成本壓力不斷上升，但幾乎三分之一(29%) 的人計劃維持或增加其加密貨幣配置。

Singapore's Cryptocurrency Landscape: Bitcoin Dominates, Mass Adoption on the Horizon

新加坡的加密貨幣格局：比特幣佔據主導地位，大規模採用即將到來

Introduction

介紹

The Independent Reserve Singapore (IR), the nation's first regulated cryptocurrency exchange, has released its fourth annual Cryptocurrency Index (IRCI), providing insights into the perceptions and behaviors of Singaporeans towards digital assets. The report highlights the enduring popularity of Bitcoin, growing industry optimism, and shifting investment strategies.

新加坡獨立儲備銀行（IR）是新加坡首個受監管的加密貨​​幣交易所，發布了第四個年度加密貨幣指數（IRCI），深入了解新加坡人對數位資產的看法和行為。該報告強調了比特幣的持久受歡迎程度、行業樂觀情緒的增長以及投資策略的轉變。

Bitcoin's Unwavering Dominance

比特幣堅定不移的主導地位

Fueled by recent developments, including the approval of spot Bitcoin exchange-traded funds (ETFs) in the United States, Bitcoin has emerged as the most popular cryptocurrency among Singaporeans, with 39% viewing it favorably. The US Securities and Exchange Commission's (SEC) approval of spot Bitcoin ETFs has further fueled interest, with 51% of Singaporeans aware of the decision. Notably, 33% are open to investing through overseas offerings, despite the unavailability of such products for retail investors in Singapore.

在近期發展的推動下，包括美國批准現貨比特幣交易所交易基金 (ETF)，比特幣已成為新加坡人中最受歡迎的加密貨幣，39% 的人對它持積極態度。美國證券交易委員會 (SEC) 對現貨比特幣 ETF 的批准進一步激發了人們的興趣，51% 的新加坡人知道這項決定。值得注意的是，儘管新加坡的散戶投資者無法獲得此類產品，但 33% 的人願意透過海外發行進行投資。

Bitcoin Halving Event Anticipation

比特幣減半事件預期

With the highly anticipated Bitcoin halving event approaching in April, 48% of crypto investors plan to increase their Bitcoin holdings over the next 12 months. This sentiment is particularly strong among those with significant crypto exposure (over 50% of their portfolio), with 68% indicating an intention to buy more Bitcoin.

隨著 4 月備受期待的比特幣減半事件臨近，48% 的加密貨幣投資者計劃在未來 12 個月內增持比特幣。這種情緒在那些擁有大量加密貨幣投資（超過其投資組合的 50%）的人中尤其強烈，其中 68% 的人表示有意購買更多比特幣。

Preference for Direct Bitcoin Investment

偏好直接比特幣投資

Despite the availability of Bitcoin ETFs, 75% of Singaporeans prefer to invest directly in Bitcoin through cryptocurrency exchanges. This preference stems from lower fees and a wider range of trading options offered by exchanges.

儘管有比特幣 ETF，但 75% 的新加坡人更喜歡透過加密貨幣交易所直接投資比特幣。這種偏好源自於交易所提供的較低費用和更廣泛的交易選擇。

Institutional Adoption and Growing Trust

機構採用和不斷增長的信任

The long-awaited arrival of spot Bitcoin ETFs has spurred significant institutional demand, injecting billions of dollars into the Bitcoin market. This has bolstered public trust and understanding of Bitcoin, leading to an increase in Singaporeans allocating funds to the cryptocurrency.

期待已久的現貨比特幣 ETF 的到來刺激了巨大的機構需求，為比特幣市場注入了數十億美元。這增強了大眾對比特幣的信任和理解，導致新加坡人向加密貨幣配置資金的增加。

Singapore's Positive IRCI Score

新加坡的 IRCI 正向分數

Singapore's 2024 IRCI score of 56 reflects a positive shift in public sentiment towards cryptocurrency. While overall awareness and ownership may have declined slightly, key metrics such as confidence and optimism have strengthened.

新加坡 2024 年 IRCI 得分 56 分，反映出大眾對加密貨幣的情緒發生正向轉變。雖然整體意識和所有權可能略有下降，但信心和樂觀等關鍵指標有所增強。

Increased Investor Sophistication

投資者成熟度提高

This year's IRCI also reveals growing sophistication among Singaporean crypto investors. The majority (52%) have been in the market for over three years and hold increasingly diverse portfolios, with 16% now holding six or more different cryptocurrencies.

今年的 IRCI 也揭示了新加坡加密貨幣投資者日益成熟的情況。大多數人 (52%) 已進入市場三年多，並持有日益多樣化的投資組合，其中 16% 目前持有六種或更多不同的加密貨幣。

Cryptocurrency as an Alternative Asset Class

加密貨幣作為另類資產類別

The reasons for investing in cryptocurrency have also shifted, with 52% of Singaporeans primarily investing for portfolio diversification, highlighting the growing recognition of crypto as an alternative asset class.

投資加密貨幣的原因也發生了變化，52% 的新加坡人主要投資於投資組合多元化，這突顯出人們越來越認識到加密貨幣作為另類資產類別。

Profitability and Optimism

獲利能力和樂觀情緒

A higher proportion of Singaporeans have made money on their crypto investments this year, with 64% reporting profits. This surpasses the profitability levels of the last two years and approaches the 74% peak reported during the 2021 bull market. Only 10% lost money this year, significantly lower than the 26% in 2023.

今年，更多新加坡人透過加密貨幣投資獲利，其中 64% 的人報告獲利。這超過了過去兩年的盈利水平，並接近 2021 年牛市期間報告的 74% 的峰值。今年只有 10% 虧損，明顯低於 2023 年的 26%。

Mainstream Acceptance and Future Potential

主流接受度與未來潛力

Over half of the respondents (55%) believe that cryptocurrency will become widely accepted by businesses and everyday people, indicating rising mainstream trust and acceptance. Notably, the number of non-crypto owners who anticipate widespread adoption has also increased by 8 percentage points to 35%.

超過一半的受訪者（55%）認為加密貨幣將被企業和一般人廣泛接受，這顯示主流信任和接受度不斷上升。值得注意的是，預計加密貨幣被廣泛採用的非加密貨幣所有者數量也增加了 8 個百分點，達到 35%。

Resilience in the Face of Economic Challenges

面對經濟挑戰的韌性

Despite rising interest rates and the increasing cost of living, Singaporeans remain bullish on cryptocurrency. Nearly a third (29%) plan to maintain or increase their crypto allocations, with 37% of those not impacted by rising costs also intending to invest or hold their current positions.

儘管利率上升和生活成本上升，新加坡人仍然看好加密貨幣。近三分之一 (29%) 計劃維持或增加其加密貨幣配置，其中 37% 未受到成本上漲影響的人也打算投資或持有當前部位。

Boomers Embrace Cryptocurrency

嬰兒潮世代擁抱加密貨幣

Boomers (above 55 years old) have emerged as a surprisingly bullish demographic, with 25% planning to hold or increase their crypto allocations despite cost-of-living pressures. Their financial stability and reduced financial obligations may contribute to their ability and confidence in investing in crypto's growth potential.

嬰兒潮世代（55 歲以上）已成為令人驚訝的樂觀人群，儘管生活成本面臨壓力，但仍有 25% 的人計劃持有或增加其加密貨幣配置。他們的財務穩定性和減少的財務義務可能有助於他們投資加密貨幣成長潛力的能力和信心。

Generational Differences in Crypto Investment

加密貨幣投資的世代差異

The report highlights contrasting attitudes between Gen Z (18-25 years old) and Gen X (46-55 years old). Gen Z, facing a more competitive job market, is more inclined towards entrepreneurial ventures and cryptocurrency investment, with 47% having invested in crypto over the last 12 months. Conversely, Gen X, which prioritizes job security and traditional career paths, has a lower participation rate of 30% in cryptocurrency.

該報告強調了 Z 世代（18-25 歲）和 X 世代（46-55 歲）之間截然不同的態度。 Z 世代面臨競爭更加激烈的就業市場，更傾向於創業和加密貨幣投資，其中 47% 的人在過去 12 個月內投資過加密貨幣。相反，優先考慮工作保障和傳統職業道路的 X 世代的加密貨幣參與率較低，為 30%。

Influence of Portfolio Diversification and Recommendations

投資組合多元化的影響與建議

Portfolio diversification is a primary driver for Gen X investors, with 55% citing it as their motivation for investing in crypto. Gen Z, on the other hand, is heavily influenced by recommendations from family and friends.

投資組合多元化是 X 世代投資者的主要驅動力，55% 的投資者將其視為投資加密貨幣的動機。另一方面，Z 世代則深受家人和朋友的推薦影響。

Barriers to Non-Investment

非投資障礙

Lack of consumer protection, price volatility, a lack of funds, and educational barriers remain the primary reasons for non-investment in cryptocurrency, particularly among Gen X. Conversely, Gen Z faces challenges primarily due to financial constraints and a lack of knowledge.

缺乏消費者保護、價格波動、缺乏資金和教育障礙仍然是不投資加密貨幣的主要原因，尤其是 X 世代。相反，Z 世代面臨的挑戰主要是由於財務限制和缺乏知識。

Bullishness on Bitcoin's Future Price

看好比特幣的未來價格

Gen Z is optimistic about the future of Bitcoin, with 61% believing in its widespread acceptance. However, only 18% believe it will not gain mainstream traction. In contrast, Gen X is more skeptical, with only 44% agreeing with Gen Z's assessment and 17% outright disagreeing.

Z 世代對比特幣的未來持樂觀態度，61% 的人相信比特幣會被廣泛接受。然而，只有 18% 的人認為它不會獲得主流關注。相較之下，X 世代則更加懷疑，只有 44% 的人同意 Z 世代的評估，17% 的人完全不同意。

Excitement for the Bitcoin Halving Event

比特幣減半事件的興奮

The Bitcoin halving event, which occurs approximately every four years and halves Bitcoin miner rewards, is widely anticipated to trigger a bull market. Following previous halving events, Bitcoin's value has experienced significant surges. Singaporeans are optimistic about Bitcoin's price, with nearly half (48%) believing it will reach between S$50,000 and S$100,000 by 2030.

比特幣減半事件大約每四年發生一次，比特幣礦工的獎勵減半，人們普遍預期這將引發牛市。繼先前的減半事件之後，比特幣的價值經歷了大幅上漲。新加坡人對比特幣的價格持樂觀態度，近一半 (48%) 的人認為到 2030 年比特幣價格將達到 50,000 新元至 100,000 新元。

Conclusion

結論

The 2024 IRCI report presents a comprehensive analysis of the cryptocurrency landscape in Singapore, highlighting the growing popularity of Bitcoin, increasing industry optimism, and evolving investment strategies among Singaporeans. As the cryptocurrency market continues to evolve, Singapore is well-positioned to remain a key hub for digital asset adoption and innovation.

2024 年 IRCI 報告對新加坡的加密貨幣格局進行了全面分析，強調了比特幣的日益普及、行業樂觀情緒的增強以及新加坡人不斷變化的投資策略。隨著加密貨幣市場的不斷發展，新加坡處於有利位置，可以繼續成為數位資產採用和創新的關鍵中心。