银行开始拥抱加密货币了吗？

随着加密货币选项的丰富，这个特殊的金融科技利基市场已经变得太大而不容忽视。银行机构必须适应。

Cryptocurrency has been a polarizing topic ever since it was first introduced and became widely known.

自从加密货币首次推出并广为人知以来，它一直是一个两极分化的话题。

Many people have been on the fence about it, not knowing what to think or not having acquired enough knowledge about how digital assets work, etc. Some have decided to fully embrace it and give it their full backing based on what they have learned.

许多人对此持观望态度，不知道该怎么想，或者对数字资产的运作方式没有足够的了解等等。有些人决定完全接受它，并根据他们所学到的知识全力支持它。

However, some have been rigid in their stance about it, citing concerns or fears about cryptocurrency as they don’t know enough or don’t trust it because of its decentralized and unregulated nature. Financial institutions have been among those that have held their position, although there has been a shifting trend in recent years.

然而，一些人对此持僵化立场，理由是对加密货币的担忧或恐惧，因为他们对加密货币了解不够，或者由于其去中心化和不受监管的性质而不信任它。尽管近年来趋势发生了变化，但金融机构一直坚守着自己的地位。

Are banks starting to embrace cryptocurrency?

银行是否开始接受加密货币？

With the abundance of cryptocurrency options available, including new options that are entering the market as visible through the Wall Street Pepe presale, this particular fintech niche has become simply too big to ignore.

随着大量可用的加密货币选择，包括通过华尔街佩佩预售可见的进入市场的新选择，这个特殊的金融科技利基市场已经变得太大而不容忽视。

Banking institutions have had to adapt, especially if they want to remain relevant to as many people as possible. Findings have estimated that more than 580 million people worldwide hold crypto. That’s a potentially big pool of customers that could be lost if they decide to use the virtual asset as their predominant form of currency over traditional fiat options.

银行机构必须适应，特别是如果它们想与尽可能多的人保持联系。调查结果估计，全球有超过 5.8 亿人持有加密货币。如果他们决定使用虚拟资产作为而不是传统法定货币的主要货币形式，那么这可能是一个潜在的庞大客户群，他们可能会失去这些客户。

Indeed, there have been instances where some banks have decided they must act. The likes of JP Morgan have embraced crypto by launching their own stablecoin in 2019. The Bank of America and Ally Bank also began to embrace cryptocurrency, allowing their customers to interact with businesses that used or offered virtual currency.

事实上，在某些情况下，一些银行决定必须采取行动。摩根大通等公司在 2019 年推出了自己的稳定币，拥抱了加密货币。美国银行和 Ally Bank 也开始拥抱加密货币，允许其客户与使用或提供虚拟货币的企业进行互动。

There are several benefits that banks can obtain by embracing cryptocurrency, including:

银行通过采用加密货币可以获得多种好处，包括：

Trading

贸易

When banks embrace cryptocurrency and facilitate it for trading purposes, they can benefit by allowing their customers to buy, sell, or trade digital assets on their platforms/exchanges. They can then take a percentage as a transaction fee. Goldman Sachs has already implemented a system like this.

当银行接受加密货币并促进其用于交易目的时，他们可以通过允许客户在其平台/交易所上购买、出售或交易数字资产而受益。然后他们可以收取一定比例作为交易费。高盛已经实施了这样的系统。

Custody

保管

By providing people with the ability to purchase cryptocurrency, banks could offer customers a storage method, such as using a wallet that the bank owns. If this happens, they could charge fees for using it, which can help them to generate additional income. Deutsche Bank has implemented this within its offerings.

通过为人们提供购买加密货币的能力，银行可以为客户提供一种存储方法，例如使用银行拥有的钱包。如果发生这种情况，他们可以收取使用费，这可以帮助他们产生额外的收入。德意志银行已在其产品中实施了这一点。

Tokenization

代币化

Goldman Sachs has created a tokenization platform that allows investors to digitalize their real-world assets, allowing them to generate income through the fees obtained through this process.

高盛创建了一个代币化平台，允许投资者将其现实世界资产数字化，从而使他们能够通过在此过程中获得的费用来产生收入。

Blockchain

区块链

The usage of blockchain technology can come with many benefits for financial institutions that embrace cryptocurrency. The ledger can improve and enhance the level of security banks provide to customers. Users of blockchain will know that it can make transactions more secure through additional security features. Anonymity, transparency, and encryption are just a few of the popular advantages. These are things that fiat currency is unable to offer users.

区块链技术的使用可以为采用加密货币的金融机构带来许多好处。分类账可以改善和提高银行为客户提供的安全水平。区块链的用户会知道，它可以通过额外的安全功能使交易更加安全。匿名、透明和加密只是其中几个受欢迎的优点。这些都是法币无法为用户提供的。

New Products

新产品

Cryptocurrency can also help banks to provide new services or products to customers. With transactions quicker in speed and often more cost-effective, financial institutions can look to try and attract customers by offering products or services that can benefit them. For instance, institutions could earn crypto-based interest, given its volatility, which could be something that appeals to those looking to get more for their money.

加密货币还可以帮助银行向客户提供新的服务或产品。随着交易速度更快且往往更具成本效益，金融机构可以通过提供有利于客户的产品或服务来尝试吸引客户。例如，鉴于加密货币的波动性，机构可以赚取基于加密货币的利息，这可能会吸引那些希望从资金中获得更多收益的人。

Are there any challenges that have stopped financial institutions from embracing cryptocurrency?

是否有任何挑战阻止金融机构接受加密货币？

Naturally, there are still many financial institutions that haven’t budged from their hard stance regarding cryptocurrency. Some will have become more favorable, but there are still some concerns.

当然，仍有许多金融机构没有改变对加密货币的强硬立场。有些人会变得更加有利，但仍然存在一些担忧。

As noted, the decentralized and unregulated nature is still something that creates fear across the industry. They would have a hard time trying to control it, as they wouldn’t be able to incorporate them into their own traditional fiat systems.

如前所述，去中心化和不受监管的性质仍然引起整个行业的恐惧。他们将很难控制它，因为他们无法将它们纳入自己的传统法定系统中。

Market volatility is a huge concern, as this can create problems for a bank when they aren’t as desired, in demand, or as liquid as desired. Some are also concerned about their legitimacy, as it can become difficult to carry out checks about where they came from or who owns them.

市场波动是一个巨大的问题，因为当银行未达到预期、需求或流动性不理想时，这可能会给银行带来问题。一些人还担心它们的合法性，因为很难检查它们的来源或所有者。

Regulatory changes can also have a huge impact on the future. The uncertainty regarding potential changes (whether positive or negative) can be enough of a challenge to stop financial institutions from looking to embrace them fully.

监管变化也可能对未来产生巨大影响。潜在变化（无论是积极的还是消极的）的不确定性足以构成挑战，阻止金融机构完全接受它们。