Coinbase Q4，2024年，收入结果：以管理资产为420B美元的财务重新定义

金融界正在经历重大的转变，而Coinbase成为一个很好的例子。最初是加密货币交易所，现在正在成为财务强国。由于管理的资产令人印象深刻，因此Coinbase不仅仅是可以交易虚拟货币的地方；这是整个金融部门的驱动力。

Coinbase, a cryptocurrency exchange that began as a simple platform for buying and selling digital currencies, has now transformed into a financial behemoth, boasting $420 billion in assets under management (AUM). This astronomical figure has propelled Coinbase to the ranks of the top 21 banks in the United States and the 8th largest brokerage based on AUM.

Coinbase是一种加密货币交易所，最初是用于买卖数字货币的简单平台，现已转变为金融巨头，拥有4200亿美元的管理资产（AUM）。这个天文数字已将共同构成推向了美国排名前21个银行和基于AUM的第八大经纪人。

Coinbase’s AUM is a testament to the remarkable growth of the cryptocurrency market, which has seen a massive influx of capital in recent years. This growth has been driven by the increasing adoption of cryptocurrencies and their integration into traditional financial systems.

Coinbase的AUM证明了加密货币市场的显着增长，该市场近年来已经大量资本涌入。这种增长是由加密货币的越来越多及其整合到传统金融体系中所驱动的。

Coinbase’s role in this evolution is significant, as it provides a gateway for institutions and individuals to access and trade digital assets. The company's performance in the last few months has been particularly strong, with a reported net profit of $273 million, compared to NYCB's loss of $260 million during the same period. This highlights the shift towards crypto-centric business models and their profitability.

Coinbase在这种发展中的作用很重要，因为它为机构和个人提供了访问和交易数字资产的门户。该公司在过去几个月中的表现特别强劲，据报道净利润为2.73亿美元，而NYCB在同一时期损失了2.6亿美元。这突出了向以加密为中心的商业模式及其盈利能力的转变。

Coinbase’s CEO, Brian Armstrong, has likened the company's standing to that of a neobank, which aims to consolidate all major financial services under one user-friendly interface. He believes that the traditional separation of banking, investing, and payments is outdated and inefficient.

Coinbase的首席执行官Brian Armstrong将公司的地位比作Neobank，该公司旨在在一个用户友好的界面下整合所有主要的金融服务。他认为，银行，投资和付款的传统分离已经过时且效率低下。

Neobanks, powered by crypto, could revolutionize the way people manage their finances. Freelancers, for instance, could automate processes like handling invoices, tracking expenses, paying taxes, and even purchasing items through a neobank. These processes could be streamlined, thanks to stablecoin transactions, which reached $30 trillion last year.

由Crypto提供支持的Neobanks可以彻底改变人们管理财务状况的方式。例如，自由职业者可以自动化处理发票，跟踪费用，缴税，甚至通过Neobank购买商品之类的过程。由于Stablecoin交易，这些过程可以简化，该交易去年达到了300万亿美元。

However, the industry must prioritize transparency and regulatory compliance to expand its usage and gain greater trust.

但是，该行业必须优先考虑透明度和监管合规性，以扩大其用法并获得更大的信任。

Coinbase’s rapid expansion and Armstrong’s vision suggest that we are on the brink of a future where crypto serves as the new financial system. While the initial hurdles are still on the horizon, there is no denying that a financial world supported by crypto carries untold advantages. Following the technological advance and the rise of the adoption, we are bound to witness even more innovative and disruptive technologies in the coming years.

Coinbase的快速扩张和阿姆斯特朗的愿景表明，我们正处于加密货币作为新金融体系的未来的边缘。尽管最初的障碍仍在范围内，但不可否认的是，由加密货币支持的金融世界具有无数的优势。随着技术的进步和采用的兴起，我们必然会在未来几年目睹更具创新性和破坏性的技术。