初学者的比特币：美国购买BTC的最终指南

在当今快节奏的数字经济中，即使是保守的投资者也开始探索新的金融领域。

In today’s fast-paced digital economy, even conservative investors are beginning to explore new financial frontiers. If you’ve ever wondered whether it’s possible to use your bank account to buy Bitcoin in USA, you’re not alone. What was once the territory of tech-savvy trailblazers and financial rebels has now become a legitimate component of diversified investment portfolios around the world. Bitcoin is no longer the “wild child” of the financial markets; it’s increasingly being seen as digital gold with a seat at the grown-up table.

在当今快节奏的数字经济中，即使是保守的投资者也开始探索新的金融领域。如果您想知道是否可以使用您的银行帐户在美国购买比特币，那么您并不孤单。曾经是精通技术的开拓者和金融叛乱分子的领土现已成为全球多元化投资组合的合法组成部分。比特币不再是金融市场的“野生孩子”。它越来越被视为数字黄金，在成年桌子上有座位。

As we step further into 2025, with markets evolving at lightning speed and global uncertainty always looming in the background, investors are on the lookout for assets that offer both resilience and opportunity. Bitcoin, despite its volatility, has earned a reputation as a potential hedge against inflation, a store of value, and a modern tool for portfolio diversification.

随着我们进入2025年，随着市场以闪电速度和全球不确定性的发展总是迫在眉睫，投资者正在寻找提供弹性和机会的资产。尽管比特币的波动性，但仍以抵抗通货膨胀，价值存储以及用于投资组合多元化的现代工具而赢得了声誉。

The same forward-thinking approach is visible in the craft beer world, where enthusiasts and breweries are engaging in an interesting experiment—pivoting away from traditional beer styles and venturing into uncharted territory.

在精酿啤酒世界中，可以看到相同的前瞻性方法，在那里，爱好者和啤酒厂正在进行一个有趣的实验 - 偏离传统啤酒风格，并冒险进入未知的领域。

Both spaces reflect a broader cultural shift toward bold, informed choices that balance tradition with innovation. Let’s unpack how Bitcoin fits into a well-balanced portfolio and why it’s not just a fad but rather a strategic asset for the new age investor.

这两个空间都反映了更广泛的文化转变，向大胆，明智的选择，使传统与创新之间取得平衡。让我们解开比特币如何适应均衡的投资组合，以及为什么它不仅是一种时尚，而且是新时代投资者的战略资产。

From Curiosity to Credibility

从好奇心到信誉

A decade ago, Bitcoin was viewed with skepticism, likened to fool’s gold, and subject to fierce criticisms. Some compared it to the Dutch Tulip Mania or claimed it was a Ponzi scheme wrapped in code. But like a dark horse steadily gaining ground, Bitcoin persisted through crashes, regulatory battles, and waves of misinformation.

十年前，比特币被怀疑，比作愚蠢的黄金，并受到激烈的批评。有些人将其与荷兰郁金香躁狂症进行了比较，或者声称它是用代码包裹的庞氏骗局。但是，就像一匹黑马稳步上升的地面一样，比特币在撞车事故，监管战和误会浪潮中持续存在。

Yet, the narrative has shifted dramatically. Institutional investors, including pension funds, family offices, and even governments, are no longer just observing—they’re participating. According to a 2024 Fidelity Digital Assets report, over 60% of institutional investors globally now have some crypto exposure, with Bitcoin leading the charge. This speaks volumes about Bitcoin’s transition from a speculative asset to a strategic cornerstone.

然而，叙述已经发生了巨大变化。包括养老基金，家庭办事处甚至政府在内的机构投资者不再只是观察到他们参加。根据2024年的富达数字资产报告，全球60％以上的机构投资者现在有一些加密货币，比特币领导了这一负责人。这说明了比特币从投机资产过渡到战略基石的过渡。

The Role of Bitcoin in Diversification

比特币在多元化中的作用

The investment principle uses the time-tested advice of not putting all your assets into one place. Diversification minimizes investment risk through a strategy of distributing funds into different asset categories, including stocks, bonds, real estate, commodities, and recently Bitcoin digital currencies.

投资原则使用了经过时间测试的建议，即不将所有资产放在一个地方。多元化通过将资金分配给不同资产类别的策略，包括股票，债券，房地产，商品和最近的比特币数字货币，从而最大程度地减少了投资风险。

Bitcoin stands out because its correlation with conventional asset classes has remained at a historically low level. This lack of correlation is significant. It showcases that Bitcoin demonstrates independent price movements as it's not typically impacted by market reactions or central bank decisions. The autonomous nature of Bitcoin establishes it as a strong defense against systemic economic threats that connect all financial systems to each other.

比特币之所以脱颖而出，是因为它与常规资产类别的相关性一直保持在历史较低水平。这种缺乏相关性是显着的。它表明比特币表现出独立的价格变动，因为它通常不受市场反应或中央银行决策的影响。比特币的自主性质将其确立为对系统经济威胁的强烈辩护，这些威胁将所有金融系统彼此联系起来。

This lack of correlation is significant because it showcases that varying asset classes move largely in tandem. For instance, during periods of macroeconomic uncertainty, investors tend to sell stocks and buy safer assets like bonds.

这种缺乏相关性是重要的，因为它表明了各种资产类别在很大程度上同时移动。例如，在宏观经济不确定性的时期，投资者倾向于出售股票并购买更安全的资产等债券。

However, crucially, Bitcoin does not necessarily follow this pattern. It exhibits an interesting lack of correlation with traditional asset classes, rendering it a valuable addition to a diversified portfolio.

但是，至关重要的是，比特币不一定遵循这种模式。它表现出与传统资产类别的有趣相关性，使其成为多元化投资组合的宝贵补充。

The same factor that makes Bitcoin unique—its decentralized and largely autonomous operation—also contributes to its low correlation. It's not tied to the same economic variables and political decisions that influence traditional assets.

使比特币与众不同的因素（它的分散且在很大程度上是自主操作）也有助于其低相关性。它与影响传统资产的相同的经济变量和政治决策并不相关。

Furthermore, crucially, Bitcoin's supply is programmed and limited, setting it apart from fiat currencies that are susceptible to inflation due to central bank actions.

此外，至关重要的是，比特币的供应经过编程和限制，将其与菲亚特货币区分开来，这些菲亚特货币容易因中央银行的行动而受到通货膨胀的影响。

The basic principle of harmony vs. opposition carries over past financial endeavors. Types of cryptocurrencies such as bitcoin serve as portfolio diversifiers that generate creativity through their unconventional methods while ensuring yin/yang balance when used correctly.

和谐与反对派的基本原则是过去的财务努力。比特币等加密货币的类型是通过其非常规方法产生创造力的投资组合多样性，同时确保正确使用时阳/阳的平衡。

Bitcoin as a Hedge Against Inflation

比特币作为抵抗通货膨胀的树篱

For several years the global economy has been navigating through increasing price levels. When central banks performed their economic stimulation through excessive market liquidity they reduced interest rates while devaluing their national currencies. Gold has historically provided financial safety yet bitcoin now functions as an electronic alternative which offers specific benefits.

几年来，全球经济一直通过增加价格水平来导航。当中央银行通过过度的市场流动性进行经济刺激时，他们降低了利率，同时贬值了他们的民族货币。从历史上看，黄金提供了财务安全，但比特币现在是一种电子替代方案，可提供特定的好处。

The fixed 21 million coin limit makes bitcoin function by creating scarcity, which appeals to investors who distrust central bank actions. Its supply mechanism operates by computer algorithms, which protects it from political or policy changes.

固定的2100万枚硬币限制通过造成稀缺性来使比特币功能，这吸引了不信任中央银行行动的投资者。它的供应机制通过计算机算法运行，可保护其免受政治或政策变化的影响。

The reliability of bitcoin stands out as a positive feature in moments when money creation runs wild through printing presses. The younger generation now identifies bitcoin as their millennial gold standard of preferred digital value storage.

比特币的可靠性在货币创造通过印刷机疯狂地奔跑时，是一个积极的特征。现在，年轻一代将比特币视为其首选数字价值存储的千禧一代标准。

The truth about bitcoin lies in its substantial price swings, which cannot be ignored. You move from celebrating with champagne the next you’re chewing your nails. The price swings of bitcoin are not bad in themselves because they show that investors are actively determining the market value of this developing financial instrument. When adoption reaches broader levels while liquidity expands within this sphere, the market should stabilize.

关于比特币的真相在于它的大幅价格波动，这是不容忽视的。您从与香槟一起庆祝下一个您要咀嚼指甲。比特币的价格波动本身还不错，因为它们表明投资者正在积极确定这种发展中的金融工具的市场价值。当采用率达到更广泛的水平，而流动性在该领域内扩展时，市场应稳定。

Effectual investors prevent themselves from attempting to predict bitcoin price peaks and valleys. Dollar-cost averaging represents their strategy because investors dedicate a constant stream of small financial increases to their investment which will mature progressively.

有效的投资者阻止自己试图预测比特币的价格峰值和山谷。美元成本平均代表他们的战略，因为投资者将不断逐渐成熟的投资逐渐增加。