2025 年如何用比特币购买汽车：分步指南

随着加密货币不断获得主流接受，对于那些希望进行数字资产购买的人来说，用比特币（BTC）购买汽车正成为越来越可行的选择。

As cryptocurrencies continue to gain mainstream acceptance, buying a car with Bitcoin (BTC) is becoming an increasingly viable option for those looking to make a digital asset-powered purchase. In 2025, using Bitcoin to buy a car is no longer a futuristic concept—it’s a practical reality for many consumers. Whether you’re looking to buy a new or used vehicle, the process has become more streamlined, thanks to growing adoption of cryptocurrencies by automakers, dealerships, and third-party payment processors.

随着加密货币不断获得主流接受，对于那些希望进行数字资产购买的人来说，用比特币（BTC）购买汽车正成为越来越可行的选择。到 2025 年，使用比特币购买汽车不再是一个未来的概念，对于许多消费者来说，它已经成为现实。无论您想购买新车还是二手车，由于汽车制造商、经销商和第三方支付处理商越来越多地采用加密货币，整个流程都变得更加简化。

Here's a step-by-step guide on how to buy a car with Bitcoin in 2025:

以下是 2025 年如何使用比特币购买汽车的分步指南：

Step 1: Choose a Car Dealership That Accepts Bitcoin

第 1 步：选择接受比特币的汽车经销商

The first step in purchasing a car with Bitcoin is to find a dealership that accepts the digital currency. While Bitcoin adoption in the automotive industry has been gradual, several high-profile dealerships and even some major car manufacturers have started accepting Bitcoin as a payment method. These dealerships typically partner with payment processors like BitPay, CoinGate, or BTCPay Server, which allow businesses to receive BTC in exchange for goods or services.

使用比特币购买汽车的第一步是找到接受数字货币的经销商。虽然比特币在汽车行业的采用是渐进的，但一些知名经销商甚至一些主要汽车制造商已经开始接受比特币作为支付方式。这些经销商通常与 BitPay、CoinGate 或 BTCPay Server 等支付处理商合作，允许企业接收 BTC 以换取商品或服务。

In 2025, more car dealerships—both online and brick-and-mortar—are expected to accept Bitcoin directly. Major cities, especially in countries with a high adoption rate of cryptocurrencies like the United States, Canada, Germany, and Switzerland, will likely have a number of dealerships offering this option. If you’re purchasing online, platforms like Overstock or specialized crypto marketplaces for cars may also support Bitcoin payments.

到 2025 年，预计会有更多的汽车经销商（无论是在线还是实体）直接接受比特币。主要城市，特别是在美国、加拿大、德国和瑞士等加密货币采用率较高的国家，可能会有许多经销商提供这种选择。如果您在线购买，Overstock 等平台或专门的汽车加密市场也可能支持比特币支付。

Step 2: Verify the Payment Process and Exchange Rate

第 2 步：验证付款流程和汇率

Once you’ve chosen a dealership, it’s important to verify how the dealership processes Bitcoin payments. Because Bitcoin’s value is highly volatile, dealerships often convert the digital currency into local fiat currency (like USD, EUR, etc.) at the time of the transaction. This means the price of the car in BTC may fluctuate depending on the current exchange rate.

一旦您选择了经销商，验证经销商如何处理比特币支付非常重要。由于比特币的价值波动性很大，经销商通常在交易时将数字货币转换为当地法定货币（如美元、欧元等）。这意味着以 BTC 表示的汽车价格可能会根据当前汇率而波动。

Ensure you’re aware of any conversion fees or transaction fees associated with Bitcoin payments, as these can vary depending on the platform and the dealership’s policies. Some dealerships may offer fixed rates or apply price adjustments to mitigate the volatility of Bitcoin’s value.

确保您了解与比特币支付相关的任何转换费或交易费，因为这些费用可能会根据平台和经销商的政策而有所不同。一些经销商可能会提供固定费率或进行价格调整，以减轻比特币价值的波动性。

Additionally, it’s wise to confirm whether the dealership requires full payment in Bitcoin or if it can be used for a down payment, with the remaining balance paid in traditional currency.

此外，明智的做法是确认经销商是否要求用比特币全额付款，或者是否可以使用比特币支付首付款，然后用传统货币支付剩余余额。

Step 3: Set Up a Bitcoin Wallet

第 3 步：设置比特币钱包

To purchase a car with Bitcoin, you’ll need a Bitcoin wallet to store and transfer your cryptocurrency. There are various types of wallets available in 2025, ranging from mobile wallets to hardware wallets and online wallets. It’s important to choose a wallet that suits your needs, ensuring that it’s secure, easy to use, and compatible with the payment system the dealership uses.

要使用比特币购买汽车，您需要一个比特币钱包来存储和转移您的加密货币。 2025 年有多种类型的钱包可用，从移动钱包到硬件钱包和在线钱包。选择适合您需求的钱包非常重要，确保它安全、易于使用且与经销商使用的支付系统兼容。

Once you have your wallet set up, you’ll need to ensure you have enough Bitcoin to cover the cost of the vehicle, including taxes, fees, and any other associated costs. Remember to take into account the current value of Bitcoin, as the price can fluctuate between the time you make the decision to buy and the moment of the transaction.

设置好钱包后，您需要确保有足够的比特币来支付车辆费用，包括税费、费用和任何其他相关费用。请记住考虑比特币的当前价值，因为从您决定购买的时间到交易的时间之间，价格可能会波动。

Step 4: Complete the Transaction

第四步：完成交易

After confirming all the details, including the price and payment method, it’s time to finalize the transaction. If the dealership accepts Bitcoin directly, you will be given a wallet address to send your funds. Alternatively, if you’re using a third-party payment processor, they will generate a payment request and provide you with the necessary details to complete the transfer.

确认所有详细信息（包括价格和付款方式）后，就可以完成交易了。如果经销商直接接受比特币，您将获得一个钱包地址来发送资金。或者，如果您使用第三方支付处理器，他们将生成付款请求并向您提供完成转账所需的详细信息。

Typically, the payment will be processed in a matter of minutes, depending on the Bitcoin network’s transaction speed and any additional verification steps required by the dealership. Once the payment is confirmed on the blockchain, the dealership will finalize the sale, and you’ll receive your car.

通常，付款将在几分钟内处理完毕，具体取决于比特币网络的交易速度以及经销商要求的任何其他验证步骤。一旦区块链上确认付款，经销商将完成销售，您将收到您的汽车。

Step 5: Understand the Legal and Tax Implications

第 5 步：了解法律和税务影响

Before making a purchase, it’s important to understand the legal and tax implications of buying a car with Bitcoin. Many countries treat cryptocurrency transactions as taxable events, meaning that you may need to report the capital gain or loss from the transaction if Bitcoin’s value has changed since you acquired it.

在购买之前，了解使用比特币购买汽车的法律和税务影响非常重要。许多国家将加密货币交易视为应税事件，这意味着如果比特币的价值自您购买以来发生了变化，您可能需要报告交易中的资本收益或损失。