Binance Pay的兴起说明了范式转变：加密货币即将成为真正的交易工具

Binance Pay的兴起超越了投机和投资。实际上，这些资产作为付款手段的具体使用已经达到了前所未有的水平，从而改变了对该行业的看法。

Binance Pay, Binance's crypto payment service, saw a massive surge in transaction volume, reaching an all-time high of $72.4 billion in 2024. This astronomical growth, up from $2.5 billion in 2021, showcases the increasing adoption of cryptocurrencies as a viable payment method, shifting the narrative away from mere speculation and investments.

Binance Pay，Binance的加密支付服务，交易量大幅增长，2024年的历史最高额度为724亿美元。这种天文学增长从2021年的25亿美元上升，表明了越来越多的加密货币的采用量，将叙述从仅仅猜测和投资中移开。

The vast majority of these transactions were conducted using stablecoins, with USDT leading the way with an astonishing 80% share, amounting to $57 billion in transactions. Bitcoin followed with $6.6 billion, Ethereum with $2.4 billion, and BNB with $2.2 billion. Notably, USDC saw a rapid surge with a 1,338% increase in transactions and a 48% rise in volume over a year.

这些交易中的绝大多数是使用Stablecoins进行的，USDT以惊人的80％份额领先，总计570亿美元的交易。比特币紧随其后的是66亿美元，以太坊的24亿美元和22亿美元的BNB。值得注意的是，USDC的迅速增长迅速，交易增加了1,338％，一年中的数量增加了48％。

This remarkable growth in crypto payments can be attributed to several key factors. Merchants and consumers are showing greater trust in cryptocurrencies, thanks in part to the stability of stablecoins amidst the volatility of traditional cryptos. Additionally, Binance's infrastructure enables fast and low-cost transactions, making crypto payments a more attractive option.

加密支付的这种显着增长可以归因于几个关键因素。商人和消费者对加密货币表现出更大的信任，部分原因是在传统加密货币的波动中稳定的稳定性。此外，Binance的基础架构可以快速和低成本的交易，使加密付款成为更具吸引力的选择。

Binance Pay's success is not limited to the platform itself but also reflects a broader transformation in the crypto market. Notably, the total number of crypto holders experienced a significant increase of 13% in 2024, reaching 659 million users worldwide. Bitcoin remained the most widely held asset, boasting 337 million holders, which constitutes about 51% of crypto investors.

Binance Pay的成功不仅限于平台本身，还反映了加密市场的更广泛的转变。值得注意的是，2024年的加密货币持有人总数显着增加了13％，在全球范围内达到了6.59亿用户。比特币仍然是最广泛的资产，拥有3.37亿持有人，占加密货币投资者的51％。

Institutions also played a pivotal role in this dynamic. In the United States, an estimated 300,000 to 1.2 million new investors acquired BTC through spot ETFs, thanks to a favorable policy stance by President Donald Trump. Meanwhile, Ethereum also saw renewed interest, largely driven by developments in Layer 2 solutions and the launch of spot Ethereum ETFs, which stimulated investor participation.

机构在这种动态中也发挥了关键作用。在美国，由于唐纳德·特朗普总统的有利政策立场，估计有30万至120万新投资者通过现场ETF获得了BTC。同时，以太坊还看到了新的兴趣，这在很大程度上是由第2层解决方案的发展以及刺激投资者参与的现货以太坊ETF推出的。

The rise of Binance Pay raises questions about the future of the sector, with regulators likely to keep a close eye on this growth as they seek to regulate these new uses. Furthermore, the increasing adoption of crypto payments could put pressure on certain players in the traditional banking system, driving them to innovate to avoid falling behind.

Binance Pay的兴起引发了有关该行业未来的问题，监管机构可能会密切关注这种增长，因为他们试图规范这些新用途。此外，加密支付的越来越多可能给传统银行系统中的某些参与者施加压力，促使他们进行创新以避免落后。

As Binance's crypto reserves also soared by 137% to reach $100 billion, the exchange continues to strengthen its influence across the entire crypto ecosystem.

随着Binance的加密储备也飙升了137％，达到1000亿美元，该交易所继续在整个加密生态系统中加强其影响力。