加密货币采用率飙升：瑞士卢加诺市拥抱数字支付革命

数字资产提供便利性、包容性和成本效益，使其成为传统支付系统的可行替代方案。卢加诺等城市展示了加密货币整合的潜力，超过 15% 的公民使用稳定币进行日常交易。与大公司的可及性和合作伙伴关系加速了采用，而监管发展和机构参与则建立了信任并推动了创新。尽管最初存在怀疑和用户培训方面的挑战，加密货币仍有望改变金融实践，为与银行和其他金融机构的无缝整合铺平道路。

Cryptocurrency Adoption Reaches New Heights as Swiss City Lugano Embraces Digital Payments

瑞士城市卢加诺拥抱数字支付，加密货币采用达到新高度

Lugano, Switzerland: In a testament to the growing acceptance of cryptocurrency in everyday transactions, the Swiss city of Lugano has emerged as a global leader in the adoption of digital assets. Over 15% of Lugano's citizens now regularly utilize the city's stablecoin, LVGA, for a wide range of payments, from bill settlements and restaurant purchases to accessing online services.

瑞士卢加诺：瑞士城市卢加诺已成为数字资产采用的全球领导者，这证明了加密货币在日常交易中的接受度不断提高。目前，超过 15% 的卢加诺市民经常使用该市的稳定币 LVGA 进行各种支付，从账单结算、餐厅购物到访问在线服务。

Digital Assets: Unmatched Accessibility and Convenience

数字资产：无与伦比的可访问性和便利性

Digital assets offer unparalleled advantages over traditional financial systems, particularly in terms of accessibility. In developing countries, where traditional financial services remain exclusive to a privileged few, cryptocurrency has the potential to bridge the gap. While only 6% of adults in the United States lack bank accounts, that figure soars to over 52% in Africa, highlighting the urgent need for inclusive financial solutions.

与传统金融系统相比，数字资产具有无与伦比的优势，特别是在可访问性方面。在发展中国家，传统金融服务仍然是少数特权人士的专有，加密货币有潜力弥合这一差距。虽然美国只有 6% 的成年人没有银行账户，但非洲这一数字飙升至 52% 以上，凸显了对包容性金融解决方案的迫切需要。

Although cryptocurrency has yet to match the prevalence of traditional payment systems for household payments, widespread acceptance is on the horizon. Cryptocurrency credit cards, jointly issued by global payment giants and crypto trading platforms, are paving the way for seamless digital payments. Stores and services, including prominent names like Wikipedia, Microsoft, and Google, now accept payments in Bitcoin. Coinbase, the leading crypto exchange, has partnered with Google to facilitate crypto payments for cloud services, while Time Magazine has teamed up with Crypto.com to streamline digital asset payments for subscriptions.

尽管加密货币尚未与传统家庭支付系统的普及程度相匹配，但广泛接受即将到来。全球支付巨头和加密货币交易平台联合发行的加密货币信用卡正在为无缝数字支付铺平道路。商店和服务，包括维基百科、微软和谷歌等知名品牌，现在都接受比特币付款。领先的加密货币交易所 Coinbase 与 Google 合作，促进云服务的加密支付，而《时代》杂志则与 Crypto.com 合作，简化订阅的数字资产支付。

Tax Payments and Crypto Integration

纳税和加密货币集成

Cities like Lugano are pioneering the use of cryptocurrency for tax payments. Residents can make payments by scanning a QR code on their bills and selecting a preferred digital wallet. PlanB, a city initiative, announced that Lugano residents and visitors could live entirely on cryptocurrency. In addition to online payments, Lugano boasts over 400 merchants accepting digital assets, thanks to a collaboration between the city administration and Bitfinex, which developed a platform supporting payments in Bitcoin via Lightning, Tether via Polygon, and the city's LVGA token. Plans are underway to expand the number of crypto-accepting locations to 2,000 stores in the coming years.

卢加诺等城市正在率先使用加密货币纳税。居民可以通过扫描账单上的二维码并选择首选的数字钱包进行付款。 PlanB 是一项城市倡议，宣布卢加诺居民和游客可以完全依靠加密货币生活。除了在线支付之外，卢加诺还拥有超过 400 家接受数字资产的商户，这要归功于市政府与 Bitfinex 之间的合作，Bitfinex 开发了一个平台，支持通过闪电网络、Tether 通过 Polygon 和该市的 LVGA 代币进行比特币支付。目前正在计划在未来几年将接受加密货币的商店数量扩大到 2,000 家。

Tax preparation is another area where cryptocurrency is gaining traction. Companies like Coinbase offer tailored solutions for users to report capital gains or losses to tax authorities. Through partnerships with platforms like Cointracker, users can obtain a summary of their taxable activity for sharing with accountants or input into tax software.

税务准备是加密货币越来越受欢迎的另一个领域。 Coinbase 等公司为用户提供量身定制的解决方案，以向税务机关报告资本收益或损失。通过与 Cointracker 等平台的合作，用户可以获得应税活动的摘要，以便与会计师共享或输入税务软件。

Overcoming Barriers to Adoption

克服收养障碍

Despite the growing momentum, cryptocurrency adoption is not without its challenges. Plastic payment cards, upon their initial introduction, faced skepticism and resistance from the public. Unfamiliarity often breeds fear, and the prospect of a zero balance instead of the customary monthly fees can be unsettling. User training and adaptation can also hinder adoption rates.

尽管势头不断增长，但加密货币的采用并非没有挑战。塑料支付卡一经推出就面临公众的怀疑和抵制。不熟悉往往会滋生恐惧，而零余额而不是惯常的月费的前景可能会令人不安。用户培训和适应也会阻碍采用率。

However, the outlook remains optimistic. Juniper Research projects that the global usage rate of digital wallets will exceed 75% by 2025. A 2022 study revealed that 36% of respondents were open to receiving a portion or all of their salaries in cryptocurrency. These figures indicate a growing demand, which the supply side is poised to meet in the next two years.

然而，前景仍然乐观。 Juniper Research 预计，到 2025 年，数字钱包的全球使用率将超过 75%。2022 年的一项研究显示，36% 的受访者愿意接受加密货币的部分或全部工资。这些数字表明需求不断增长，供应方有望在未来两年内满足这一需求。

Regulatory Acceptance and Institutional Adoption

监管接受和机构采用

A significant milestone in cryptocurrency's integration with the financial mainstream was the approval of spot Bitcoin ETFs in the United States in January. This move signifies the growing acceptance and legitimacy of crypto assets.

加密货币与金融主流融合的一个重要里程碑是 1 月份美国批准现货比特币 ETF。此举标志着加密资产的接受度和合法性不断提高。

Ordinary users are gaining confidence in the use of cryptocurrency, recognizing it as a natural and essential aspect of financial progress. The newfound freedom and flexibility offered by digital assets are redefining the implementation of crypto technology for everyday payments.

普通用户对加密货币的使用越来越有信心，认识到它是金融进步的一个自然而重要的方面。数字资产提供的新的自由度和灵活性正在重新定义日常支付的加密技术的实施。

Institutional participation, exemplified by players such as MicroStrategy, Square, and Tesla, brings credibility to the industry and paves the way for broader adoption of blockchain-related services.

以 MicroStrategy、Square 和 Tesla 等参与者为代表的机构参与为行业带来了可信度，并为更广泛地采用区块链相关服务铺平了道路。

The Future of Crypto and Finance

加密货币和金融的未来

The crypto industry is continually expanding its offerings, introducing new products, payment methods, and technologies that will likely coexist with traditional financial institutions. While an overnight replacement of banks is unlikely, seamless transactions and innovative payment solutions may bridge the gap in the interim.

加密行业正在不断扩大其产品范围，推出可能与传统金融机构共存的新产品、支付方式和技术。虽然银行不可能一夜之间被取代，但无缝交易和创新的支付解决方案可能会弥补过渡时期的差距。

Crypto regulations are expected to foster a stronger symbiotic relationship between crypto exchanges and banks. It is not inconceivable that in the near future, users may obtain loans from their banks in the form of their preferred altcoins.

加密货币法规预计将促进加密货币交易所和银行之间更牢固的共生关系。在不久的将来，用户可能会以他们喜欢的山寨币的形式从银行获得贷款，这并非不可想象。

Banks may adapt and evolve towards becoming similar to exchanges with specialized activities. Decentralized finance (DeFi) platforms, such as Polygon, Archblock, and Curve Finance, can bypass intermediaries and offer high-quality services at reduced costs.

银行可能会适应并发展成为类似于具有专门活动的交易所。 Polygon、Archblock 和 Curve Finance 等去中心化金融（DeFi）平台可以绕过中介机构，以更低的成本提供高质量的服务。

The history of financial instruments demonstrates the often-unpredictable evolution of new technologies. The current regulatory and adoption trends indicate that cryptocurrency is playing an increasingly significant role in everyday payments, propelling the financial world towards more advanced mechanisms.

金融工具的历史证明了新技术的演变往往是不可预测的。当前的监管和采用趋势表明，加密货币在日常支付中发挥着越来越重要的作用，推动金融世界走向更先进的机制。

About the Author

关于作者

Gracy Chen is the Managing Director of Bitget, a leading crypto derivatives exchange. She oversees market expansion, business strategy, and corporate development. Prior to joining Bitget, she held executive positions at Fortune 500 unicorn company Accumulus and venture-backed VR startups XRSPACE and ReigVR. She was also an early investor in BitKeep, Asia's leading decentralized wallet. Chen was recognized as a Global Shaper by the World Economic Forum in 2015. She holds a degree from the National University of Singapore and is currently pursuing an MBA at the Massachusetts Institute of Technology.

Gracy Chen 是领先的加密货币衍生品交易所 Bitget 的董事总经理。她负责监督市场扩张、业务战略和公司发展。在加入 Bitget 之前，她曾在财富 500 强独角兽公司 Accumulus 以及风险投资支持的 VR 初创公司 XRSPACE 和 ReigVR 担任高管职务。她也是亚洲领先的去中心化钱包BitKeep的早期投资者。 2015 年，陈被世界经济论坛评为“全球杰出人物”。她拥有新加坡国立大学学位，目前正在麻省理工学院攻读 MBA。

Disclaimer

免责声明

This article provides general information and is not intended as legal or investment advice. The views expressed are solely those of the author and do not necessarily reflect the opinions of Cointelegraph.

本文提供一般信息，并不旨在作为法律或投资建议。所表达的观点仅代表作者的观点，并不一定反映 Cointelegraph 的意见。