Fidelity Investments通过新的“加密IRA”扩展到加密货币市场

该公司将直接管理资产的监护权，从而确保选择押注Valute Virtuali作为其未来积累形式的投资者的更大安全性。

An important turning point in the world of finance and pensions comes from the United States: Fidelity Investments, the largest American provider of 401(k) retirement accounts, has announced the introduction of cryptocurrencies in individual retirement accounts (IRA).

财务和养老金世界中一个重要的转折点来自美国：美国最大的401（k）退休账户提供商Fidelity Investments宣布在个人退休帐户（IRA）中引入加密货币。

This means that, starting now, investors can include Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC) in their retirement plans. A decision that opens up new scenarios for the integration of digital currencies into long-term savings.

这意味着，从现在开始，投资者可以在退休计划中包括比特币（BTC），以太坊（ETH）和Litecoin（LTC）。这项决定为将数字货币集成为长期节省的新方案。

Fidelity: a “Crypto IRA” to diversify the retirement future with Bitcoin, Ethereum, and Litecoin

保真度：用比特币，以太坊和Litecoin多样化退休未来的“加密IRA”

With the launch of the new service, which expands the existing offering of the company's retail trading service, investors will be able to open a "crypto IRA" to purchase and hold the three digital coins.

随着新服务的推出，扩大了公司零售交易服务的现有产品，投资者将能够开设“加密IRA”来购买和持有三个数字硬币。

The company will directly manage the custody of the assets, thus ensuring greater security for investors who choose to bet on cryptocurrencies as a form of accumulation for their future.

该公司将直接管理资产的监护权，从而确保选择押注加密货币作为其未来积累形式的投资者的更高安全性。

Bitcoin, Ethereum e Litecoin: Fidelity chooses a trio of historic cryptocurrencies

比特币，以太坊e litecoin：保真度选择了三个历史性的加密货币

The three cryptocurrencies selected by Fidelity are not chosen at random, but represent established realities in the digital world.

Fidelity选择的三个加密货币不是随机选择的，而是代表数字世界中既定现实的现实。

– Bitcoin, with a market capitalization of 1.7 trillion dollars, is by far the most important and recognized cryptocurrency in the world. Born in 2009, it is considered the pioneer of the entire sector.

- 比特币的市值为1.7万亿美元，是迄今为止世界上最重要，最公认的加密货币。它出生于2009年，被认为是整个行业的先驱。

– Ethereum, second in the ranking by market value — currently at 228 billion dollars — is famous for having introduced the concept of smart contracts and for having a vast ecosystem of decentralized applications.

- 以太坊，排名在市场价值中排名第二，目前为2280亿美元，以介绍智能合约的概念并拥有大量的分散应用程序的生态系统而闻名。

– Litecoin, created in 2011 as a faster and cheaper version of Bitcoin, is currently ranked 23rd among cryptocurrencies, with a capitalization of about 6.4 billion dollars.

- 莱特币（Litecoin）于2011年创建的比特币版本更快，更便宜，目前在加密货币中排名第23位，大约64亿美元。

These three currencies have demonstrated uncommon resilience over the years, rendering them an interesting option for those seeking diversification in their retirement portfolio.

这些年来，这三种货币已经证明了罕见的弹性，这对于那些在退休产品组合中寻求多样化的人来说是一个有趣的选择。

From institutional adoption to new investment tools

从机构采用到新的投资工具

The interest of Fidelity in cryptocurrencies is not new. Already in 2022, in fact, the company had supported the creation of EDX Markets, a crypto trading platform for institutional investors, together with Wall Street giants like Charles Schwab, Citadel Securities, and Paradigm.

忠诚对加密货币的兴趣并不是什么新鲜事。实际上，在2022年，该公司已经支持了EDX Markets的创建，EDX Markets是一个为机构投资者提供的加密货币交易平台，以及Charles Schwab，Citadel Securities和Paradigm等华尔街巨头。

At the same time, Fidelity had also announced the possibility for “plan sponsors” (the managers of retirement plans) to add a Digital Assets Account among the options available in 401(k) plans. Steps that were foreshadowing the current opening towards a crypto IRA dedicated to individual investors.

同时，富达还宣布了“计划发起人”（退休计划的经理）的可能性，以在401（k）计划中可用的选项中添加数字资产帐户。预示着当前向个人投资者的加密艾拉（IRA）开放的步骤。

But the news doesn't end here: last year the Securities and Exchange Commission (SEC) approved the launch of ETF funds based on cryptocurrencies, and Fidelity was among the few large companies to receive the green light. The results are already evident.

但是该消息并没有结束：去年，美国证券交易委员会（SEC）批准了基于加密货币的ETF资金启动，而富达是少数获得绿灯的大公司之一。结果已经很明显。

ETF on Bitcoin and Ethereum: the surprising numbers

比特币和以太坊的ETF：令人惊讶的数字

The Fidelity Wise Origin Bitcoin Fund (FBTC) is among the most performing ETFs available on the market. With 11.4 billion dollars in net inflows, it ranks second out of a total of 11 funds currently traded. The overall collection in cryptocurrency-based ETFs has now reached 100 billion dollars.

Fidelity Wise Origin Bitcoin基金（FBTC）是市场上最受欢迎的ETF之一。净流入量为114亿美元，目前总共交易的11个资金中排名第二。基于加密货币的ETF的总体集合已达到1000亿美元。

Even the ETF on Ethereum, the Fidelity Ethereum Fund (FETH), launched in July 2024, has shown encouraging signs. With 1.4 billion dollars in net inflows, it is second only to another fund among the nine currently available on the market.

甚至2024年7月推出的富达以太坊基金（FETH）的ETF也表现出令人鼓舞的迹象。净流入量为14亿美元，仅次于市场上的九家资金中仅次于另一个基金。

These data confirm how the institutional and private demand for exposure to regulated crypto-assets is experiencing significant growth, and that Fidelity is playing a leading role in building a structured and secure offering for long-term investors.

这些数据证实了机构和私人对受监管加密资产的接触的需求如何经历显着增长，而富达在为长期投资者建立结构化且安全的产品方面发挥了领先作用。

A cultural change in wealth management

财富管理的文化变革

The opening to cryptocurrencies in retirement accounts reflects a profound cultural change. If until a few years ago digital currencies were considered highly speculative instruments and far from the prudent logic of retirement planning, today they are increasingly integrated into diversified investment portfolios, even for retirement purposes.

退休帐户中加密货币的开放反映了深刻的文化变化。如果直到几年前，数字货币被认为是高度投机的工具，并且远离审慎的退休计划逻辑，那么今天，即使是出于退休目的，它们也越来越多地融入多元化的投资组合中。

The choice of Fidelity is a clear signal: digital assets are establishing themselves as a new recognized and strategic asset class, no longer relegated to the niche of enthusiasts or early adopters. With the security of institutional custody and regulatory-approved instruments like ETFs or crypto IRAs, cryptocurrencies gain in credibility and accessibility.

忠诚度的选择是一个明确的信号：数字资产将自己确立为新的公认和战略性资产类别，不再降级为发烧友或早期采用者的利基市场。凭借机构监护权和经过监管批准的工具（例如ETFS或Crypto IRAS）的安全性，加密货币的信誉和可及性就可以提高。

Market performance

市场表现

At the time of the announcement, the behavior of the three selected cryptocurrencies was heterogeneous. Bitcoin recorded a rise of 1.3%, a signal of growing confidence from investors. In contrast, Ethereum and Litecoin showed slight declines, while maintaining a stable position in the ranking of the most capitalized cryptocurrencies.

在公告时，三个选定的加密货币的行为是异质的。比特币的增长率为1.3％，这表明投资者信心越来越大。相比之下，以太坊和莱特币显示出略有下降，同时在最大的加密货币的排名中保持稳定的位置。

This volatility, which is still inherent in a young market, does not seem to discourage the big managers nor the pension investors who are looking for new sources of return in an uncertain economic context.

这种波动性仍然是年轻市场固有的，似乎并没有阻止大型经理，也不劝阻那些在不确定的经济环境中寻找新回报来源的养老金投资者。

Fidelity sets the course for the future

保真度为未来设定了课程

With this new move, which expands the existing offering of the company's retail trading service, investors will be able to open a "crypto IRA" to purchase and hold the three digital coins. The company will directly manage

通过这一新举动，扩大了公司零售贸易服务的现有产品，投资者将能够开设“加密IRA”来购买和持有三个数字硬币。公司将直接管理