创纪录的利润率：革命将年收入翻了一番，达到13亿美元

加密货币交易的复兴，与加密相关的收入同比增长120％。

Fintech juggernaut Revolut has reported a staggering 100% surge in annual profits, doubling its earnings to 1.3 billion dollars.

金融科技剑圣革命报告称，年度利润的100％增加了100％，将其收益翻了一番，达到13亿美元。

The company’s stellar performance in 2024 can be attributed to several key factors: a sharp rise in user acquisition, expanding financial services, and a renewed surge in cryptocurrency trading, which ultimately bolstered the bottom line.

该公司在2024年的出色表现可以归因于几个关键因素：用户获取的急剧增长，扩大金融服务以及加密货币交易的新激增，最终增强了底线。

Founded in 2015, the British startup has rapidly evolved from a travel card provider into a fully fledged digital banking and investment platform. In 2024, it capitalised on renewed market confidence in digital assets and demand for all-in-one financial services, placing it in a prime position to benefit from the ongoing fintech and crypto revolution.

这家英国初创公司成立于2015年，已从旅行卡提供商迅速发展为完全刚刚起步的数字银行和投资平台。在2024年，它利用了对数字资产的新信心和对多合一金融服务的需求的资本，使其处于从正在进行的金融科技和加密革命中受益的主要位置。

As it stands, the company boasts over 45 million users globally, having added 12 million in 2024 alone. This incredible feat was driven by a strategic push into emerging markets and enhanced product offerings, such as commission-free stock trading and high-yield savings, which ultimately helped fuel this impressive adoption rate.

就目前而言，该公司在全球拥有超过4500万用户，仅在2024年就增加了1200万。这一令人难以置信的壮举是由对新兴市场和增强产品产品（例如无佣金股票交易和高收益储蓄）的战略推动驱动的，这最终有助于提高这种令人印象深刻的采用率。

Furthermore, while competitors like N26 have struggled to generate consistent profitability despite boasting a similar user base, Revolut's diverse revenue streams have enabled it to achieve substantial earnings.

此外，尽管像N26这样的竞争对手尽管拥有类似的用户群，但仍在努力创造一致的盈利能力，但Revolut的多样化收入来源使其能够实现大量的收入。

The company's report highlights that its revenue nearly doubled in 2024, jumping to 3.1 billion pounds (about $4.2 billion) from 1.8 billion pounds in 2023. This was driven by a 120% increase in revenue from cryptocurrency-related activity, outpacing its core banking products.

该公司的报告强调，其收入在2024年几乎翻了一番，从2023年的18亿英镑跃升至31亿英镑（约42亿美元）。这是由于与加密货币相关的活动的收入增加了120％，从而超过了其核心银行产品。

This new report from FinTech disclosed that its 2024 profits doubled to 1.3 billion dollars, up from 438 million pounds. The company's performance can be linked to its expanding financial services and a strong interest in cryptocurrency trading.

金融科技的这份新报告透露，其2024年的利润增加了一倍，达到13亿美元，高于4.38亿英镑。该公司的业绩可以与其不断扩大的金融服务和对加密货币交易的浓厚兴趣有关。

The company's report also revealed that its revenue almost doubled in 2024, increasing to 3.1 billion pounds (about $4.2 billion) from 1.8 billion pounds in 2023. This was driven by a 120% increase in revenue from cryptocurrency-related activity, outpacing its core banking products.

该公司的报告还显示，其收入在2024年几乎翻了一番，从2023年的18亿英镑增加到31亿磅（约42亿美元）。这是由于与加密货币相关的活动的收入增加了120％，从而超过了其核心银行产品。

This finding is significant as it highlights the company's ability to generate profit from sources other than traditional banking fees. It seems that the company's strategy of combining banking, investing, and crypto in one app is paying off.

这一发现很重要，因为它突出了该公司从传统银行费用以外的其他来源中获得利润的能力。似乎该公司在一个应用程序中将银行，投资和加密货币结合起来的战略正在得到回报。

The company's performance also comes in stark contrast to its European competitor, N26, which recently announced that it had become profitable after burning through millions in investor funds over the past few years. The German fintech, which boasts a similar user base to Revolut, said it swung to a small operating profit in the first half of 2024 after posting a loss of 161 million euros ($174.34 million) in 2023.

该公司的业绩也与其欧洲竞争对手N26形成鲜明对比，后者最近宣布，在过去几年中，它通过数百万投资资金而燃烧后已获得盈利。德国金融科技拥有与革命相似的用户群，他说，在2023年发布了1.61亿欧元（1.7434亿美元）后，在2024年上半年的营业利润很小。

This finding is in contrast to a report by the Financial Times last year, which stated that N26 was planning to lay off staff and close units in order to become profitable by 2024.

这一发现与去年《金融时报》的一份报告相反，该报告指出，N26计划裁员和关闭单位，以便到2024年才能盈利。

The company's performance also comes amid increased scrutiny from financial watchdogs over fintech firms and their involvement in the crypto industry. Earlier this year, the U.S. Federal Reserve warned that several fintech firms had applied for deposit insurance and were now offering checking and savings accounts, but they might not have the same level of safety as traditional, fully insured banks.

由于对金融科技公司的财务监管机构的审查以及他们参与加密行业的审查，该公司的业绩也在进行。今年早些时候，美国美联储警告说，几家金融科技公司已申请存款保险，现在提供支票和储蓄帐户，但它们的安全水平可能与传统，全额保险的银行相同。

Despite this, Revolut has proactively worked to ensure compliance, securing crypto licenses in several European jurisdictions and enhancing its transparency practices. This forward-thinking approach helped it gain a competitive edge over slower-moving rivals.

尽管如此，Revolut还是积极地致力于确保合规性，在几个欧洲司法管辖区获得加密许可并提高其透明度实践。这种前瞻性的方法有助于它比较慢的竞争对手获得竞争优势。

Profits and Outlook Point to Sustained Momentum

持续势头的利润和前景点

With net profits reaching $1.3 billion from roughly $630 million the previous year, Revolut has firmly established itself as a fintech leader with a sustainable business model. The doubling of profits reflects operational efficiency and successful revenue stream diversification.

由于上一年的净利润从大约6.3亿美元达到13亿美元，Revolut已牢固地确立了具有可持续商业模式的金融科技领导者。利润的加倍反映了运营效率和成功的收入流多样性。

Operating margins improved significantly, thanks partly to automation, improved customer onboarding, and tight cost control. The company's strategy of expanding into new markets and offering a broad range of financial services appears to be paying off in the form of increased user engagement and spending within the app.

运营利润率大大提高，部分归功于自动化，改善了客户入职和成本控制的严格控制。该公司扩展到新市场和提供广泛金融服务的战略似乎正在以增加应用程序中的用户参与度和支出的形式获得回报。

The company also hinted at a possible IPO shortly, which could be buoyed by investor optimism surrounding its strong growth fundamentals and global expansion plans. Revolut plans to deepen its offerings in the crypto and AI-powered finance sectors while expanding in Latin America and Southeast Asia.

该公司还暗示了不久的可能性IPO，这可能会受到围绕其强大的增长基本面和全球扩张计划的投资者乐观的鼓舞。 Revolut计划在拉丁美洲和东南亚扩大，加深其在加密货币和AI驱动的财务部门的产品。

Analysts suggest that as long as the company maintains its innovative edge and regulatory alignment, its growth trajectory will likely continue. "We’re building a global financial super-app, and this is just the beginning," said Nik Storonsky, CEO of Revolut.

分析师建议，只要公司保持其创新的优势和监管一致性，其增长轨迹就很可能会继续下去。 Revolut首席执行官Nik Storonsky说：“我们正在建立全球金融超级应用，这仅仅是开始。”