Floki 与万事达卡合作在欧洲推出加密借记卡

Floki 是一种流行的加密货币，推出了一款可在 31 个欧洲国家使用的免费借记卡。

Floki, a meme coin, has introduced a no-fee debit card available in 31 European countries. The card allows users to spend popular digital assets, including Bitcoin (BTC), Ether (ETH), USD Coin (USDC), Tether (USDT), BNB Chain’s BNB, and FLOKI, at merchants accepting Visa or Mastercard.

Floki 是一种模因币，推出了一款可在 31 个欧洲国家使用的免费借记卡。该卡允许用户在接受 Visa 或 Mastercard 的商户消费流行的数字资产，包括比特币 (BTC)、以太币 (ETH)、美元硬币 (USDC)、Tether (USDT)、BNB Chain 的 BNB 和 FLOKI。

The new offering features both physical and virtual card options. A physical card is priced at $33, while the virtual version costs just over $10. While transactions and exchange rates incur no fees, a 2% top-up fee applies when transferring tokens to the card’s associated spending account.

新产品提供物理卡和虚拟卡选项。实体卡的售价为 33 美元，而虚拟卡的价格刚刚超过 10 美元。虽然交易和汇率不产生任何费用，但将代币转移到卡的关联支出账户时需要支付 2% 的充值费用。

Floki’s core advisor, identified as “B,” highlighted the card’s convenience, noting that holders can directly spend their tokens at millions of merchants without additional steps. Plans for a VIP card with enhanced spending limits —up to $50,000 per day and $250,000 per month — are also in development.

Floki 的核心顾问（标识为“B”）强调了该卡的便利性，并指出持有者可以直接在数百万商家处使用其代币，无需额外的步骤。提高消费限额的 VIP 卡计划也正在制定中——每天最高 50,000 美元，每月 250,000 美元。

The debit card supports over eight blockchain networks, expanding its appeal to a wide range of cryptocurrency users. However, it will not be available in regions under OFAC sanctions or where local banking restrictions apply.

该借记卡支持超过八个区块链网络，扩大了其对广泛的加密货币用户的吸引力。但是，在 OFAC 制裁的地区或当地银行业受到限制的地区将无法使用该功能。

Floki is not the only crypto company capitalizing on a growing tech-savvy youth looking to spend their crypto via traditional methods. The global crypto credit card market, valued at USD 25 billion in 2023, is projected to grow at a CAGR of 32% to reach USD 401.49 billion by 2033, driven by the integration of decentralized finance (DeFi) into the financial sector. These cards allow users to combine fiat currency and cryptocurrency for purchases, enhancing financial flexibility and enabling access to DeFi features such as yield generation and decentralized lending. North America currently leads the market with 56.3% of the share due to its strong cryptocurrency innovation, while the Asia Pacific region is poised for the fastest growth, fueled by technological advancements. Regular crypto credit cards dominate the market with a 43.24% share, primarily due to their increasing use in gambling and seamless conversion of digital assets to fiat currency.

Floki 并不是唯一一家利用日益增长的精通技术的年轻人希望通过传统方法使用加密货币的加密货币公司。在去中心化金融（DeFi）融入金融领域的推动下，全球加密信用卡市场预计到 2023 年将达到 250 亿美元，复合年增长率为 32%，到 2033 年将达到 4014.9 亿美元。这些卡允许用户结合法定货币和加密货币进行购买，增强财务灵活性并允许使用收益生成和去中心化借贷等 DeFi 功能。由于其强大的加密货币创新，北美目前以 56.3% 的份额领先市场，而亚太地区在技术进步的推动下有望实现最快的增长。普通加密信用卡以 43.24% 的份额占据市场主导地位，这主要是因为它们在赌博中的使用越来越多，以及数字资产与法定货币的无缝转换。

The Banking, financial services, and insurance (BFSI) sector accounted for the largest market share (39.1%) in 2023, driven by the rising need for smooth monetary transactions, while personal consumption is the fastest-growing application segment. Rewards-based crypto credit cards are expected to see substantial growth due to technological innovations. Key industry developments, such as the introduction of the Gemini Credit Card in 2021, are helping drive adoption by allowing users to earn cryptocurrency rewards without annual fees, further integrating digital assets into daily financial transactions.

受流畅货币交易需求不断增长的推动，银行、金融服务和保险（BFSI）行业在 2023 年占据最大的市场份额（39.1%），而个人消费是增长最快的应用领域。由于技术创新，基于奖励的加密信用卡预计将出现大幅增长。关键的行业发展，例如 2021 年推出的 Gemini 信用卡，允许用户无需年费即可获得加密货币奖励，从而进一步将数字资产融入日常金融交易，从而有助于推动采用。

Currently, Floki’s card is available in Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovenia, Romania, Slovakia, Spain, Sweden, and Switzerland. Floki has expressed intentions to expand the offering to additional regions in the future.

目前，Floki的卡可在奥地利、比利时、保加利亚、塞浦路斯、克罗地亚、捷克共和国、丹麦、爱沙尼亚、芬兰、法国、德国、希腊、匈牙利、冰岛、爱尔兰、意大利、拉脱维亚、列支敦士登、立陶宛、卢森堡、马耳他、荷兰、挪威、波兰、葡萄牙、斯洛文尼亚、罗马尼亚、斯洛伐克、西班牙、瑞典和瑞士。 Floki 表示有意在未来将产品扩展到更多地区。