新加坡加密貨幣市場加密支付顯著成長

新加坡的加密貨幣市場的加密支付顯著增加，2024 年第二季商業服務收到近 10 億美元的加密貨幣。

Singapore's cryptocurrency market has seen a notable increase in crypto payments, with nearly US$1 billion being received by merchant services in Q2 2024.

新加坡加密貨幣市場的加密支付顯著增加，2024 年第二季商業服務收入接近 10 億美元。

This surge reflects the growing adoption of digital assets as a payment method across various industries, including services offered by local startups like dtcpay and the super-app Grab. Both companies have integrated cryptocurrencies such as Bitcoin, Ether, Singapore's XSGD stablecoin, and USDT into their payment options, allowing customers to use these assets for everyday transactions like e-wallet top-ups.

這一激增反映出數位資產作為支付方式在各行各業的日益普及，包括 dtcpay 和超級應用程式 Grab 等當地新創公司提供的服務。兩家公司都將比特幣、以太幣、新加坡的 XSGD 穩定幣和 USDT 等加密貨幣整合到其支付選項中，允許客戶使用這些資產進行日常交易，例如電子錢包充值。

A key part of this growth is the rise of XSGD, the Singapore dollar-backed stablecoin issued by StraitsX. XSGD has become increasingly popular, particularly among retail users, with more than 75% of its transfers being in amounts of US$1 million or less. Nearly 25% of these transfers were under US$10,000, indicating robust retail adoption.

這一成長的關鍵部分是 XSGD 的崛起，XSGD 是由 StraitsX 發行的新加坡元支持的穩定幣。 XSGD 越來越受歡迎，尤其是在零售用戶中，其超過 75% 的轉帳金額在 100 萬美元或以下。其中近 25% 的轉帳金額低於 10,000 美元，顯示零售採用強勁。

In contrast, stablecoins pegged to the U.S. dollar, such as USDT, are primarily being transferred in larger amounts, reflecting more institutional use.

相較之下，與美元掛鉤的穩定幣（例如 USDT）主要被大量轉移，反映出更多的機構使用。

These developments are supported by key regulatory moves. In August 2023, the Monetary Authority of Singapore (MAS) finalised its stablecoin regulatory framework, providing clear guidelines for issuers. StraitsX, for example, secured two MAS licenses to issue stablecoins and facilitate crypto payments.

這些發展得到了關鍵監管措施的支持。 2023 年 8 月，新加坡金融管理局 (MAS) 敲定了穩定幣監管框架，為發行人提供了明確的指導方針。例如，StraitsX 獲得了兩個 MAS 許可證來發行穩定幣並促進加密支付。

Meanwhile, Paxos, a U.S.-based stablecoin issuer, also gained MAS approval to issue stablecoins in Singapore. This growing acceptance of stablecoins and other cryptocurrencies is further supported by MAS’s crypto custody and licensing requirements, implemented in April 2024.

同時，美國穩定幣發行商Paxos也獲得新加坡金管局批准在新加坡發行穩定幣。 MAS 於 2024 年 4 月實施的加密貨幣託管和許可要求進一步支持了穩定幣和其他加密貨幣的接受度不斷提高。

In line with this growing interest in stablecoins, Singapore's largest bank, DBS, has been exploring the listing of stablecoins on its digital exchange. The bank saw its crypto trading volume triple in early 2024, driven by increasing institutional demand.

隨著人們對穩定幣日益增長的興趣，新加坡最大的銀行星展銀行一直在探索在其數位交易所上市穩定幣。在機構需求不斷增長的推動下，該銀行的加密貨幣交易量在 2024 年初增加了兩倍。

These regulatory measures, combined with increased crypto merchant adoption and exploration by major financial institutions like DBS, are positioning Singapore as a key hub for digital assets.

這些監管措施，加上星展銀行等主要金融機構對加密貨幣商家的採用和探索的增加，使新加坡成為數位資產的關鍵中心。