区块链技术可能正在克服全球贸易壁垒

随着各大洲各行业之间的联系越来越紧密，这为投资者提供了实现资产多元化并利用优势的可能机会

The increasing globalization of the finance industry in recent decades has seen industries becoming more interconnected across continents. This presents investors with possible opportunities to diversify their assets and take advantage of market differences. However, the complexities of cross-border transactions continue to pose challenges, such as long processing times and fees.

近几十年来，金融业日益全球化，各大洲各行业之间的联系变得更加紧密。这为投资者提供了实现资产多元化并利用市场差异的可能机会。然而，跨境交易的复杂性继续带来挑战，例如处理时间长和费用高。

Now, advances in blockchain technology may be overcoming the barriers to global trade by streamlining cross-border transactions. With reduced transaction costs and greater transparency, digital assets within decentralized financial systems have the capability to transform global trade. This financial movement may carry broader economic implications, including increased access to financial systems for underserved regions. A skyrocketing Bitcoin price may signal widespread adoption of the world’s largest digital asset.

现在，区块链技术的进步可能正在通过简化跨境交易来克服全球贸易壁垒。随着交易成本的降低和透明度的提高，去中心化金融系统中的数字资产有能力改变全球贸易。这种金融运动可能会带来更广泛的经济影响，包括增加服务欠缺地区进入金融系统的机会。比特币价格的飙升可能预示着世界上最大的数字资产的广泛采用。

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The Challenges of Cross-Border Trade

跨境贸易的挑战

Cross-border payments can serve a variety of industries, including corporate transactions, small and medium business transactions (B2B), business-to-consumer (B2C), consumer-to-business (C2B) and more.

跨境支付可以服务多种行业，包括企业交易、中小企业交易（B2B）、企业对消费者（B2C）、消费者对企业（C2B）等。

However, transferring money across borders can carry more complexities and fees than domestic payments. Internationals who work in the U.S. can face challenges with setting up bank accounts or building credit. Similarly, workers in the U.S. and EU often need to rely on intermediary banks, which can lead to slower processing times and higher fees.

然而，与国内支付相比，跨境转账可能会带来更多的复杂性和费用。在美国工作的国际人士可能会面临开设银行账户或建立信用的挑战。同样，美国和欧盟的工人通常需要依赖中介银行，这可能导致处理时间更慢和费用更高。

The Advantages of Blockchain Technology

区块链技术的优势

Advances in blockchain technology are creating cross-border payment solutions that are generally cheaper, faster to process and more transparent than traditional banking methods, and they are being adopted by major companies.

区块链技术的进步正在创建跨境支付解决方案，这些解决方案通常比传统银行方法更便宜、处理速度更快且更透明，并且正在被大公司采用。

Blockchain-based payment structures have the potential to streamline global trade through the use of decentralized systems. Without needing to process payments through third parties, these products often offer advantages such as near-instant processing fees, clear information on fees and transaction times for users, and broad accessibility across user groups and locations.

基于区块链的支付结构有潜力通过使用去中心化系统来简化全球贸易。这些产品无需通过第三方处理支付，通常具有多种优势，例如近乎即时的处理费用、用户的费用和交易时间的清晰信息以及跨用户组和地点的广泛可访问性。

Digital Transactions as a Global Movement

数字交易作为一种全球运动

Digital transactions in global trade seem to be on the rise. Remittances to low- and middle-income countries reached $669 billion in 2023, demonstrating an estimated growth of 3.8%. Mexico was a major recipient, receiving $61.2 billion in remittances. Similarly, The Philippines received remittances estimated at 9.3% of its GDP in 2021.

全球贸易中的数字交易似乎正在增加。 2023 年，低收入和中等收入国家的汇款达到 6,690 亿美元，预计增长 3.8%。墨西哥是主要接收国，收到 612 亿美元的汇款。同样，菲律宾 2021 年收到的汇款估计占其 GDP 的 9.3%。

With this global shift, blockchain-based payment systems can serve as a boon to developing economies. Their greater accessibility and reduced fees can often be used to fill the gap for underserved regions that are placed at a disadvantage in global trade systems.

随着这一全球转变，基于区块链的支付系统可以为发展中经济体带来福音。它们更便利的服务和更低的费用通常可以用来填补在全球贸易体系中处于不利地位的服务欠缺地区的空白。

The Widespread Adoption of Bitcoin

比特币的广泛采用

Perhaps one of the greatest markers of this global financial trend might be the growing adoption of Bitcoin as a digital asset. The cryptocurrency market is projected to reach $2.2 billion by 2026, with Bitcoin leading as the highest-valued coin. Having traded above $100,000 for the first time in December, U.S. Global Investors has named Bitcoin one of the world’s largest digital assets by market trade.

也许这一全球金融趋势的最大标志之一可能是比特币作为数字资产的日益普及。预计到 2026 年，加密货币市场将达到 22 亿美元，其中比特币将成为价值最高的货币。去年 12 月，比特币交易价格首次突破 10 万美元，美国全球投资者将比特币列为全球市场交易量最大的数字资产之一。

Bitcoin is often used as a store of value and a medium for exchange. As it has garnered widespread use and recognition in the global economy, its impressive growth may signal a new era of digital transactions.

比特币通常被用作价值储存和交换媒介。由于它在全球经济中获得了广泛的使用和认可，其令人印象深刻的增长可能标志着数字交易的新时代的到来。

The Future of Cross-Border Transactions

跨境交易的未来

Digital transactions continue to play a larger role in global trade, as remittances to low- and middle-income countries are on the rise. While these transactions may help to fuel the growth of these economies, the complexities of cross-border payments continue to create barriers to opportunities. Emerging blockchain-based payments systems are challenging the structure of centralized finance and may be leveling the playing field while providing benefits such as faster processing times, reduced fees and greater transparency.

随着低收入和中等收入国家的汇款不断增加，数字交易继续在全球贸易中发挥更大作用。虽然这些交易可能有助于推动这些经济体的增长，但跨境支付的复杂性继续为机会制造障碍。新兴的基于区块链的支付系统正在挑战中心化金融的结构，并可能创造公平的竞争环境，同时提供更快的处理时间、更低的费用和更高的透明度等好处。

The rise of Bitcoin demonstrates the general growing power of digital assets as a force in the global economy. As investors look to opportunities presented by this movement in finance, a shifting Bitcoin price may continue to serve as a good marker of where future markets are headed.

比特币的崛起表明，数字资产作为全球经济的一股力量，其力量正在普遍增强。随着投资者寻找这一金融运动带来的机会，比特币价格的变化可能会继续成为未来市场走向的良好标志。

This information is intended for educational purposes only and is not to be used as investment advice. As with all investments, there is risk, and the past performance of a particular asset class does not guarantee any future performance.

此信息仅用于教育目的，不得用作投资建议。与所有投资一样，存在风险，特定资产类别的过去表现并不能保证未来的表现。

Lee Enterprises newsroom and editorial were not involved in the creation of this content.

Lee Enterprises 新闻编辑室和社论未参与此内容的创作。

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