预计到2026年，几乎有五分之一的加密货币所有者将使用其资产来付款，而2024年仅14.2％

到2025年，全球有超过5.6亿人拥有加密货币，因此为加密支付系统提供了重要的消费者基础。

Almost one in five cryptocurrency owners are expected to be using their assets for payments by 2026, up from only 14.2% in 2024, showcasing a shift towards actual crypto adoption. By 2025, more than 560 million people worldwide own cryptocurrencies, presenting a significant consumer base for crypto payment systems.

预计到2026年，几乎有五分之一的加密货币所有者将使用其资产来付款，从2024年的14.2％上升，展示了向实际采用加密货币的转变。到2025年，全世界有超过5.6亿人拥有加密货币，为加密支付系统提供了重要的消费基础。

The recently introduced Visa-enabled card for crypto transactions, WhiteBIT Nova, has already processed more than 1 million transactions at WhiteBIT, Europe’s largest cryptocurrency exchange in terms of traffic, further validating the increasing importance of digital assets in daily spending.

Whitebit Nova最近推出了用于加密交易的签证卡，已经在欧洲最大的加密货币交换的Whitebit上处理了超过100万笔交易，进一步验证了数字资产在日常支出中的重要性。

While global debit and credit card transactions continue to dominate financial markets, crypto cards are emerging as strong contenders. They offer unique benefits such as enhanced privacy, borderless transactions, and cryptocurrency-based rewards. The global crypto credit card market, valued at USD 1.3 billion in 2024, is projected to reach USD 220.46 billion by 2033, growing at a CAGR of 8.6% during the forecast period.

尽管全球借记卡和信用卡交易继续占据主导地位，但加密卡却是强大的竞争者。他们提供了独特的好处，例如增强的隐私，无边界交易和基于加密货币的奖励。全球加密信用卡市场（2024年价值13亿美元）预计到2033年将达到2204.6亿美元，在预测期内以8.6％的复合年增长率增长。

The convenience of crypto cards lies in the ability to instantly convert crypto to fiat at the point of sale, rendering digital assets more practical for everyday purchases.

加密卡的便利性在于能够在销售点立即将加密货币转换为法定，从而使数字资产更实用。

WhiteBIT’s latest data shows that its crypto card users are engaging in spending patterns similar to conventional cardholders, with purchases spanning everyday essentials, entertainment, and luxury goods.

Whitebit的最新数据表明，其加密卡用户正在从事类似于传统持卡人的支出模式，购买涵盖日常必需品，娱乐和奢侈品。

Cashback Incentives: A Major Factor in the Adoption of Crypto Cards

现金返还激励措施：采用加密卡的主要因素

Customers regularly select cash back as their preferred credit card benefit.

客户定期选择现金返还作为他们首选的信用卡福利。

Crypto cashback is becoming a key driver for WhiteBIT Nova card users as well. The top categories for cashback benefits include:

Crypto Cashback也成为Whitebit Nova Card用户的关键驱动力。现金返还福利的主要类别包括：

• Food & Cafés (20.4%), groceries (22.8%), and subscriptions (14.1%) fall into the category of daily necessities.

•食品和咖啡馆（20.4％），杂货（22.8％）和订阅（14.1％）属于每日必需品类别。

• Recreation & Entertainment: Gaming (7.3%), entertainment (8.2%), and taxi services (10.7%).

•娱乐与娱乐：游戏（7.3％），娱乐（8.2％）和出租车服务（10.7％）。

• Travel & Lifestyle: Airlines (4.2%), Auto expenditures (4.9%)

•旅行与生活方式：航空公司（4.2％），汽车支出（4.9％）

• Purchases pertaining to pets (3.9%) and medications (3.5%) are examples of wellness and daily spending.

•购买与宠物有关的购买（3.9％）和药物（3.5％）是健康和日常支出的例子。

The most common options for cashback rewards are still Bitcoin and WBT, although customers are increasingly selecting WBT.

尽管客户越来越多地选择WBT，但现金返还奖励的最常见选择仍然是比特币和WBT。

Digital-First: The Rise of Virtual Crypto Cards

数字优先：虚拟加密卡的兴起

WhiteBIT Nova card users prefer the virtual card, accounting for 88.52 percent, aligning with global trends in digital payments, while only 11.48 percent opt for the physical card. This is part of a broader trend where by 2026 the number of individuals using digital wallets worldwide is expected to rise by 53% to 5.2 billion, which is more than 60% of the global population.

Whitebit Nova卡用户更喜欢虚拟卡，占88.52％，与数字支付的全球趋势保持一致，而只有11.48％的人选择了物理卡。这是一个更广泛的趋势的一部分，到2026年，全球使用数字钱包的个人人数预计将上升53％，达到52亿，这是全球人口的60％以上。

The Distinction Between Cryptocurrency and Traditional Finance Is Closing.

加密货币与传统金融之间的区别正在结束。

The popularity of crypto cards like WhiteBIT Nova reflects how blockchain technology is integrating into the traditional financial domain. Having handled over a million transactions, the WhiteBIT Nova card is demonstrating that digital assets can be smoothly incorporated into daily consumer spending rather than being confined to trading.

Whitebit Nova等加密卡的受欢迎程度反映了区块链技术如何集成到传统金融领域。 Whitebit Nova卡在处理超过一百万笔交易之后，证明数字资产可以平稳地纳入日常消费者支出中，而不是局限于交易。