加密革命：增强金融世界的准入和便利

随着卢加诺等城市接受加密货币用于日常交易，加密货币的采用正在获得越来越多的关注。虽然在金融事务中便利性往往胜过效率，但数字资产在可访问性方面提供了显着的优势，尤其是在银行服务不足的地区。尽管面临挑战和阻力，加密货币与传统金融的整合正在通过现货比特币 ETF、机构参与和创新支付解决方案取得进展。随着法规的发展，加密货币交易所和银行之间正在形成共生关系，这可能允许用户从传统金融机构获得加密货币支持的贷款。

Cryptocurrency Expansion: Transforming Financial Accessibility and Convenience

加密货币扩张：改变金融的可及性和便利性

Amidst the evolving financial landscape, individuals prioritize convenience and efficiency in their transactions. However, traditional systems often fall short of these expectations, leading to the emergence of cryptocurrency as a viable alternative. The Swiss city of Lugano stands as a testament to the potential of cryptocurrencies, with over 15% of its citizens leveraging the city's LVGA stablecoin for daily transactions.

在不断变化的金融格局中，个人优先考虑交易的便利性和效率。然而，传统系统往往达不到这些期望，导致加密货币作为一种可行的替代方案的出现。瑞士卢加诺市证明了加密货币的潜力，超过 15% 的居民利用该市的 LVGA 稳定币进行日常交易。

Unlocking Financial Inclusion through Digital Assets

通过数字资产解锁金融普惠

Digital assets possess unparalleled capabilities, offering a highly accessible and transformative financial experience. In developing nations, where access to traditional financial services remains limited, cryptocurrencies serve as a lifeline, empowering individuals with financial autonomy. With a mere 6% of adults lacking bank accounts in the United States, the disparity in Africa is stark, with over 52% remaining unbanked.

数字资产拥有无与伦比的功能，提供高度便捷且变革性的金融体验。在发展中国家，获得传统金融服务的机会仍然有限，加密货币充当生命线，赋予个人财务自主权。在美国，只有 6% 的成年人没有银行账户，而非洲的差距则十分明显，超过 52% 的成年人没有银行账户。

Despite its nascent adoption, cryptocurrency is gaining traction as a legitimate payment method. Global payment companies and trading platforms have partnered to issue crypto credit cards, expanding cryptocurrency's reach. Renowned organizations such as Wikipedia, Microsoft, and Google embrace Bitcoin (BTC) payments, while Google exclusively partners with Coinbase to facilitate crypto payments for its cloud services. Time Magazine's collaboration with Crypto.com streamlines digital asset payments for subscriptions, further solidifying crypto's integration into mainstream commerce.

尽管加密货币刚刚被采用，但它作为一种合法的支付方式正在受到越来越多的关注。全球支付公司和交易平台已合作发行加密信用卡，扩大了加密货币的影响范围。维基百科、微软和谷歌等知名组织都支持比特币 (BTC) 支付，而谷歌则与 Coinbase 独家合作，为其云服务提供加密货币支付。 《时代杂志》与 Crypto.com 的合作简化了订阅的数字资产支付，进一步巩固了加密货币与主流商业的融合。

Lugano: A City Embracing Cryptocurrency

卢加诺：拥抱加密货币的城市

Lugano's PlanB initiative has revolutionized urban living, enabling residents and visitors to navigate the city solely through cryptocurrency. Beyond online payments, over 400 merchants now accept digital assets, a testament to the collaborative efforts of the city administration and Bitfinex. This partnership has fostered a platform that seamlessly supports payments with Bitcoin, Tether (USDT), and the city's LVGA token. Lugano envisions expanding cryptocurrency acceptance to 2,000 stores in the years to come.

卢加诺的 PlanB 计划彻底改变了城市生活，使居民和游客能够仅通过加密货币在城市中畅游。除了在线支付之外，现在还有 400 多家商户接受数字资产，这证明了市政府和 Bitfinex 的合作努力。此次合作打造了一个无缝支持比特币、Tether (USDT) 和该市 LVGA 代币支付的平台。 Lugano 预计在未来几年将加密货币的接受度扩大到 2,000 家商店。

Tax Payments and Ready-Made Solutions

纳税和现成的解决方案

Companies strive to simplify tax payments through cryptocurrency. Coinbase offers a dedicated solution that assists users in reporting capital gains or losses to the IRS. Through a partnership with Cointracker, users can obtain a summary of their taxable activity, facilitating seamless sharing with accountants or integration into tax software.

公司努力通过加密货币简化纳税。 Coinbase 提供专用解决方案，帮助用户向 IRS 报告资本收益或损失。通过与 Cointracker 合作，用户可以获得其应税活动的摘要，从而促进与会计师的无缝共享或集成到税务软件中。

Navigating Adoption Challenges

应对采用挑战

The growth trajectory of cryptocurrencies is not without obstacles. The initial introduction of plastic payment cards elicited confusion, with some innovations eliciting public resistance. Such reactions are rooted in the fear of the unfamiliar. However, these hurdles are gradually diminishing as user training and adjustment foster wider adoption.

加密货币的增长轨迹并非没有障碍。塑料支付卡的最初引入引起了混乱，一些创新引起了公众的抵制。这种反应根源于对陌生事物的恐惧。然而，随着用户培训和调整促进更广泛的采用，这些障碍正在逐渐减少。

Promising Forecasts and Institutional Involvement

有希望的预测和机构参与

Forecasts for the future of cryptocurrency remain optimistic. Juniper Research predicts a remarkable 75% global usage of digital wallets by 2025, while a 2022 study indicated that 36% of respondents were inclined to receive their salaries partly or entirely in cryptocurrencies. These figures underscore the growing demand, compelling a shift in supply to meet the anticipated surge within the next two years.

对加密货币未来的预测仍然乐观。 Juniper Research 预测，到 2025 年，全球数字钱包的使用率将达到 75%，而 2022 年的一项研究表明，36% 的受访者倾向于部分或全部以加密货币形式领取工资。这些数字凸显了需求的不断增长，迫使供应发生转变，以满足未来两年内预期的激增。

A pivotal moment in the integration of cryptocurrencies with the financial industry occurred with the approval of spot Bitcoin ETFs in the United States in January. This move signified the initiation of the "legalization" of crypto assets, instilling confidence in users. Institutional participation from the likes of MicroStrategy, Square, and Tesla further enhances crypto's credibility and paves the way for the wider adoption of blockchain-related services.

随着 1 月份美国批准现货比特币 ETF，加密货币与金融业融合的关键时刻出现了。此举标志着加密资产“合法化”的启动，给用户注入了信心。 MicroStrategy、Square 和 Tesla 等机构的参与进一步增强了加密货币的可信度，并为更广泛地采用区块链相关服务铺平了道路。

Synergy between Crypto and Traditional Finance

加密货币与传统金融之间的协同作用

The crypto industry is continuously expanding its offerings, introducing innovative products and payment methods. While these advancements are unlikely to displace financial institutions overnight, they may play a complementary role, particularly in scenarios requiring seamless transactions or groundbreaking payment solutions.

加密行业正在不断扩大其产品范围，推出创新产品和支付方式。虽然这些进步不太可能在一夜之间取代金融机构，但它们可能会发挥补充作用，特别是在需要无缝交易或突破性支付解决方案的场景中。

Cryptocurrency regulation could foster a closer collaboration between crypto exchanges and banks. In the near future, it is conceivable that individuals could access loans from their banks in the form of altcoins. Banks may adapt, resembling exchanges with specific operational nuances. Decentralized finance (DeFi) platforms, such as Polygon, Archblock, and Curve Finance, could bypass financial intermediaries, providing high-quality services at low costs.

加密货币监管可以促进加密货币交易所和银行之间更密切的合作。在不久的将来，可以想象，个人可以以山寨币的形式从银行获得贷款。银行可能会做出调整，就像交易所一样，具有特定的操作细微差别。 Polygon、Archblock 和 Curve Finance 等去中心化金融（DeFi）平台可以绕过金融中介机构，以低成本提供高质量的服务。

Embracing the Unforeseen

拥抱不可预见的事情

The history of financial instruments reveals the unpredictable nature of technological advancements. The evolving regulatory landscape and growing adoption highlight the pivotal role of cryptocurrencies in everyday payments, ushering in more sophisticated financial systems.

金融工具的历史揭示了技术进步的不可预测性。不断变化的监管环境和不断增长的采用凸显了加密货币在日常支付中的关键作用，从而催生了更复杂的金融系统。

Author's Perspective

作者的观点

Gracy Chen, the managing director of crypto derivatives exchange Bitget, emphasizes the importance of financial inclusion and user-centric solutions. Her experience in the global financial sector, including roles at Fortune 500 companies and venture-backed startups, shapes her insights into the transformative potential of cryptocurrencies.

加密货币衍生品交易所 Bitget 董事总经理 Gracy Chen 强调了金融普惠和以用户为中心的解决方案的重要性。她在全球金融领域的经验，包括在财富 500 强公司和风险投资支持的初创公司的职位，使她对加密货币的变革潜力有了深刻的见解。

Disclaimer

免责声明

This article serves as general information and should not be construed as legal or investment advice. The views expressed are solely those of the author and do not necessarily reflect the opinions or positions of Cointelegraph.

本文作为一般信息，不应被视为法律或投资建议。所表达的观点仅代表作者的观点，并不一定反映 Cointelegraph 的意见或立场。