FDIC 加密货币调查：92% 的用户持有资产作为投资，无银行账户家庭使用加密货币的数量少于任何其他群体

在 FDIC 新发布的《FDIC 无银行账户和银行服务不足家庭全国调查》中，在 30,000 个家庭中，无银行账户家庭实际上使用加密货币的比例为 1.2%，低于其他任何群体，而银行账户不足的家庭为 6.2%，银行账户齐全的家庭为 4.8%。 。

The FDIC released its National Survey of Unbanked and Underbanked Households on Friday. The survey included questions on crypto use for the first time ever, revealing that only 4.2% of American households reported using crypto in 2023.

FDIC 周五发布了全国无银行账户和银行账户不足家庭调查。该调查首次纳入了有关加密货币使用的问题，显示只有 4.2% 的美国家庭在 2023 年使用加密货币。

Of those who used crypto, the vast majority (92%) held the assets as investments, while only 3.3% used it as a way to send and receive money. This suggests that crypto is primarily being used by Americans as a store of value rather than a medium of exchange.

在使用加密货币的人中，绝大多数（92%）持有资产作为投资，而只有 3.3% 的人将其用作发送和接收资金的方式。这表明加密货币主要被美国人用作价值储存手段，而不是交换媒介。

The use of crypto also varied widely by household characteristics. For example, higher-income households were more likely to use crypto than lower-income households. Specifically, 7% of households with income of $75,000 or more used crypto, compared with 1.1 percent of households with less than $15,000 in income.

加密货币的使用也因家庭特征而存在很大差异。例如，高收入家庭比低收入家庭更有可能使用加密货币。具体来说，收入在 75,000 美元或以上的家庭中，有 7% 使用加密货币，而收入低于 15,000 美元的家庭中，这一比例为 1.1%。

Additionally, younger households were more likely to use crypto than older households. For instance, 9.8% of households aged 25 to 34 used crypto, compared with 1.2 percent of households aged 65 or older.

此外，年轻家庭比老年家庭更有可能使用加密货币。例如，25 岁​​至 34 岁的家庭中有 9.8% 使用加密货币，而 65 岁或以上的家庭只有 1.2% 使用加密货币。

The survey also found that Asian and White households were more likely to use crypto than Black and Hispanic households. Specifically, 7.5% of Asian households and 5.2% of White households used crypto, compared to 3.2% from Black households and 3.5% from Hispanic households.

调查还发现，亚裔和白人家庭比黑人和西班牙裔家庭更有可能使用加密货币。具体而言，7.5% 的亚洲家庭和 5.2% 的白人家庭使用加密货币，而黑人家庭和西班牙裔家庭的这一比例分别为 3.2% 和 3.5%。

Overall, the survey results provide new insights into the use of crypto by American households and suggest that the technology is still being adopted by a relatively small number of people. However, the high rate of investment use could indicate that crypto is gaining traction as an asset class.

总体而言，调查结果为美国家庭使用加密货币提供了新的见解，并表明该技术仍被相对少数的人采用。然而，高投资使用率可能表明加密货币作为一种资产类别正在获得越来越多的关注。