2025 年值得关注的 4 个主要数字资产趋势

加密货币世界将于 2025 年发生重大转变，监管发展预示着数字资产行业将迎来新的环境。

Here are five key trends to watch in the digital assets space in 2025, according to industry leaders:

行业领导者表示，2025 年数字资产领域有五个值得关注的主要趋势：

1. Stablecoin-Powered Payments Rise

1.稳定币驱动的支付兴起

Kevin Lehtiniitty, Borderless.xyz CEO, predicts a major shift in the payments industry.

Borderless.xyz 首席执行官 Kevin Lehtiniitty 预测支付行业将发生重大转变。

“2025 will mark the beginning of the payments industry transitioning from slow and expensive correspondent banks to fast, cheap, and internet-native money through stablecoins,” he tells TheStreet Crypto.

他告诉 TheStreet Crypto：“2025 年将标志着支付行业开始从缓慢而昂贵的代理银行过渡到通过稳定币实现快速、廉价且互联网原生的货币。”

“The original use case of crypto is back with a vengeance that’s taking the world by storm as consumers and businesses alike turn to stablecoins to move value across borders. We’re going to see the birth of the world’s first truly global fintechs and neobanks all built on top of blockchain based systems that will completely change the way the world banks and transacts across the next five years.”

“随着消费者和企业都转向稳定币来跨境转移价值，加密货币的原始用例卷土重来，席卷了世界。我们将看到世界上第一个真正的全球金融科技公司和新银行的诞生，它们都建立在基于区块链的系统之上，这将在未来五年内彻底改变世界银行和交易的方式。”

2. Onchain Startups, Innovation Surges

2. 链上初创企业，创新浪潮

“With an oppressive regulatory regime in the U.S. coming to an end, VC capital is going to pour into onchain startups at a rate rivaling the 2021 bull run. Accounts receivable (AR) and accounts payable (AP), payroll, treasury management, creator payments, and remittances are all going to start to flow through these new startups that are going to be default onchain onboarding the next millions of people to blockchain-based assets. While speculation will always be a use case, we’re entering the era of real innovation,” Lehtiniitty adds.

“随着美国高压监管制度的结束，风险投资将以与 2021 年牛市相媲美的速度涌入链上初创企业。应收账款（AR）和应付账款（AP）、工资单、财务管理、创作者付款和汇款都将开始流经这些新的初创公司，这些初创公司将默认链上，让接下来的数百万人进入基于区块链的资产。虽然猜测永远是一个用例，但我们正在进入真正创新的时代，”Lehtiniitty 补充道。

3. Regulatory Clarity

3. 监管清晰度

The upcoming Trump presidential administration is expected to create a more deregulated environment for crypto.

即将上任的特朗普总统政府预计将为加密货币创造一个更加放松管制的环境。

But it’s not the only jurisdiction undergoing a shift, according to George Georgiades, General Counsel at Borderless.xyz:

但据 Borderless.xyz 总法律顾问 George Georgiades 称，这并不是唯一一个经历转变的司法管辖区：

“In the United States, the New Year will begin with the inauguration of a new president and administration with a stated commitment to fostering innovation in the crypto industry. Globally, MiCA (the European Union's Markets in Crypto-Assets Regulation) along with other regulatory frameworks come in full effect and, although not perfect, will accelerate institutional adoption of blockchain technology.”

“在美国，新年将以新总统和新政府的就职典礼开始，并明确承诺促进加密货币行业的创新。在全球范围内，MiCA（欧盟加密资产市场监管）以及其他监管框架已全面生效，尽管并不完美，但将加速区块链技术的机构采用。”

“I expect to see greater engagement between regulators and market participants that will lead to clarity on several complex legal issues ranging from the SEC’s treatment of certain digital assets as securities to evolving anti-money laundering requirements, a reduction in enforcement actions and re-engagement by lawmakers.”

“我预计监管机构和市场参与者之间将有更多的接触，这将有助于澄清一些复杂的法律问题，包括美国证券交易委员会将某些数字资产视为证券、不断变化的反洗钱要求、减少执法行动和重新参与等。由立法者。”

4. Convergence of AI, DePIN

4. AI的融合，DePIN

Clara Tsao, founding officer at Filecoin Foundation, tells TheStreet Crypto about the growing intersection of AI and DePIN in 2025.

Filecoin 基金会创始人 Clara Tsao 向 TheStreet Crypto 讲述了 2025 年 AI 和 DePIN 的交叉日益加深的情况。

“Founders and developers working at this junction now are early, but we can expect to see the overlaps between AI and DePIN expanding rapidly in 2025,” Tsao tells TheStreet Crypto.

Tsao 告诉 TheStreet Crypto：“现在在这个领域工作的创始人和开发人员还处于早期阶段，但我们预计 AI 和 DePIN 之间的重叠将在 2025 年迅速扩大。”

“DePIN can address some of the AI industry’s most persistent challenges by breaking through scaling bottlenecks, democratizing computational resources, and embedding trust in data.”

“DePIN 可以通过突破扩展瓶颈、使计算资源民主化以及在数据中嵌入信任来解决人工智能行业一些最持久的挑战。”

“According to a16z, last year, 5% of builders in AI were leveraging DePIN technology. In 2024, this portion has more than doubled to 12%, and the overall share of builders at the convergence of DePIN and AI has increased by nearly 200%,” she tells TheStreet Crypto.

“根据 a16z 的数据，去年，5% 的人工智能开发者正在利用 DePIN 技术。到 2024 年，这一比例将增加一倍多，达到 12%，而 DePIN 和人工智能融合的构建者的总体份额增加了近 200%，”她告诉 TheStreet Crypto。

5. NFTs Expand Use Cases

5. NFT 扩展用例

Non-fungible tokens (NFTs) had a breakout year in 2024, with use cases expanding beyond digital art collectibles into music, gaming, and even real estate.

不可替代代币 (NFT) 在 2024 年迎来了突破，其用例从数字艺术收藏品扩展到音乐、游戏，甚至房地产。

While the NFT market experienced a downturn in 2022 and 2023, it began to recover in 2024 as major brands, celebrities, and institutions entered the space.

虽然 NFT 市场在 2022 年和 2023 年经历了低迷，但随着各大品牌、名人和机构进入该领域，它在 2024 年开始复苏。

This trend is expected to continue in 2025, with NFTs being used for a wider range of applications, including digital identity, supply chain management, and ticketing.

这一趋势预计将在 2025 年持续下去，NFT 将被用于更广泛的应用，包括数字身份、供应链管理和票务。