比特币（BTC）可以代替美元作为世界储备货币：贝莱德首席执行官拉里·芬克（Larry Fink）

贝莱德首席执行官拉里·芬克（Larry Fink）表示，如果美国无法控制债务，美元可能会失去其作为世界储备货币或其他数字资产的地位。

The US dollar could lose its status as the world’s reserve currency to Bitcoin or other digital assets if the country does not get its debt under control, according to BlackRock CEO Larry Fink.

贝莱德首席执行官拉里·芬克（Larry Fink）表示，如果该国无法控制债务，美元可能会失去其作为世界储备货币或其他数字资产的地位。

Fink wrote in his Annual Chairman’s Letter to Investors that “decentralized finance is an extraordinary innovation” that makes “markets faster, cheaper, and more transparent.” But “that same innovation could undermine America’s economic advantage if investors begin seeing Bitcoin as a safer bet than the dollar.”

芬克在年度董事长给投资者的信中写道，“分散的财务是一种非凡的创新”，使“市场更快，更便宜，更透明”。但是，“如果投资者开始将比特币视为比美元更安全的赌注，那么同样的创新可能会破坏美国的经济优势。”

According to Trading Economics, the US debt equaled 122.3% of the country’s gross domestic product in 2023. That is a considerably higher percentage than the 105% observed in 2018. Moody’s Ratings retains the US’s AAA credit rating but has downgraded its outlook to negative, indicating a possible future rating downgrade.

根据贸易经济学的数据，美国债务在2023年等于该国国内生产总值的122.3％。这比2018年观察到的105％的债务要高得多。穆迪的评级保留了美国的AAA信用评级，但已将其看法降低到负面，表明将来可能的评级降低了。

The US’s Joint Economic Committee wrote that as of March 5, the country’s gross national debt was $36.2 trillion, growing $1.8 trillion, or roughly $4.9 billion per day, over the past year and $12.8 trillion in the past five years. The Bipartisan Policy Center warned this month that the US could default on its debt as early as July 2025.

美国联合经济委员会写道，截至3月5日，该国的国民总债务为362万亿美元，在过去一年中增长了1.8万亿美元，每天约49亿美元，在过去五年中增长了12.8万亿美元。两党政策中心本月警告说，美国最早可能在2025年7月拖欠债务。

Bitcoin (BTC) has been branded as a safe haven for investors who are looking to avoid the perils of fiat currency, including inflation. Some believe that the end of the debt ceiling suspension could lead to a Bitcoin price boom. Others think, as Fink has stated, that the dangers of the national debt could increase Bitcoin adoption.

比特币（BTC）已被烙印为避风港的避风港，这些投资者希望避免菲亚特货币的危险，包括通货膨胀。有些人认为，债务上限暂停的终结可能会导致比特币的价格繁荣。正如芬克所说，其他人认为，国债的危险可能会增加比特币的采用。

Related: Bitcoin reserve won’t solve US debt crisis: Think tank co-founder

相关：比特币储备将无法解决美国债务危机：智囊团联合创始人

In 2025, cryptocurrency has gained prominence as an asset class due to adoption by countries such as the US and companies like Strategy. However, some argue that stablecoins could, in fact, increase the dominance of the US dollar.

2025年，由于美国和战略公司等国家采用的资产类别，加密货币已成为资产类别。但是，有人认为，稳定币实际上可以增加美元的统治地位。

Fink: Tokenization is democratization

芬克：象征化是民主化

In the letter, Fink says that “tokenization is democratization” with the technological innovation “enabling instant buying, selling, and transferring without cumbersome paperwork or waiting periods.”

在信中，芬克说，“令牌化是民主化”，技术创新“使即时购买，销售和转移无需繁琐的文书工作或等待期。”

If every asset ends up being tokenized, Fink said, “it will revolutionize investing. Markets wouldn’t need to close. Transactions that currently take days would clear in seconds. And billions of dollars currently immobilized by settlement delays could be reinvested immediately back into the economy, generating more growth.”

芬克说：“如果每一个资产最终都被化为象征性，“这将彻底改变投资。市场将不需要关闭。目前需要几天的交易将在几秒钟内清除。目前被定居延期固定的数十亿美元可能会立即重新投资到经济体中，从而产生更多的增长，从而产生更多的增长。”

Related: Centralization and the dark side of asset tokenization — MEXC exec

相关：集中化和资产令牌的黑暗面 - MEXC Exec

Tokenization democratizes access, shareholder voting, and yield, Fink wrote. According to RWA.xyz, the tokenized real-world assets market amounts to $19.6 billion. There are currently around 93,000 asset holders, with 174 issuers. Industry projections indicate that the market could reach $4 trillion to $30 trillion by 2030.

Fink写道，令牌化使访问，股东投票和产量民主化。根据rwa.xyz的数据，标记现实世界的资产市场为196亿美元。目前有大约93,000个资产持有人，有174个发行人。行业预测表明，到2030年，市场可以达到4万亿美元至30万亿美元。

BlackRock’s own BUIDL real-world tokenized asset fund is currently the largest such fund available for trading, with Tether Gold and Franklin Templeton’s BENJI funds coming in second and third place, respectively.

贝莱德（Blackrock）自己的Buidl Real-World标记资产基金目前是可用于交易的最大此类基金，Tether Gold和Franklin Templeton的Benji基金分别排名第二和第三名。