新加坡的加密货币格局：比特币占据统治地位，大规模采用即将到来

新加坡人越来越看好比特币，目前有 39% 的人对比特币持更积极的态度。在美国批准现货比特币交易所交易基金 (ETF) 等近期行业发展的推动下，新加坡 48% 的加密货币投资者打算在未来 12 个月内增加比特币持有量。大多数新加坡加密货币所有者 (52%) 主要投资加密货币以实现投资组合多元化，尽管利率和生活成本压力不断上升，但几乎三分之一 (29%) 的人计划维持或增加其加密货币配置。

Singapore's Cryptocurrency Landscape: Bitcoin Dominates, Mass Adoption on the Horizon

新加坡的加密货币格局：比特币占据主导地位，大规模采用即将到来

Introduction

介绍

The Independent Reserve Singapore (IR), the nation's first regulated cryptocurrency exchange, has released its fourth annual Cryptocurrency Index (IRCI), providing insights into the perceptions and behaviors of Singaporeans towards digital assets. The report highlights the enduring popularity of Bitcoin, growing industry optimism, and shifting investment strategies.

新加坡独立储备银行（IR）是新加坡首个受监管的加密货币交易所，发布了第四个年度加密货币指数（IRCI），深入了解新加坡人对数字资产的看法和行为。该报告强调了比特币的持久受欢迎程度、行业乐观情绪的增长以及投资策略的转变。

Bitcoin's Unwavering Dominance

比特币坚定不移的主导地位

Fueled by recent developments, including the approval of spot Bitcoin exchange-traded funds (ETFs) in the United States, Bitcoin has emerged as the most popular cryptocurrency among Singaporeans, with 39% viewing it favorably. The US Securities and Exchange Commission's (SEC) approval of spot Bitcoin ETFs has further fueled interest, with 51% of Singaporeans aware of the decision. Notably, 33% are open to investing through overseas offerings, despite the unavailability of such products for retail investors in Singapore.

在近期发展的推动下，包括美国批准现货比特币交易所交易基金 (ETF)，比特币已成为新加坡人中最受欢迎的加密货币，39% 的人对它持积极态度。美国证券交易委员会 (SEC) 对现货比特币 ETF 的批准进一步激发了人们的兴趣，51% 的新加坡人知道这一决定。值得注意的是，尽管新加坡的散户投资者无法获得此类产品，但 33% 的人愿意通过海外发行进行投资。

Bitcoin Halving Event Anticipation

比特币减半事件预期

With the highly anticipated Bitcoin halving event approaching in April, 48% of crypto investors plan to increase their Bitcoin holdings over the next 12 months. This sentiment is particularly strong among those with significant crypto exposure (over 50% of their portfolio), with 68% indicating an intention to buy more Bitcoin.

随着 4 月份备受期待的比特币减半事件临近，48% 的加密货币投资者计划在未来 12 个月内增持比特币。这种情绪在那些拥有大量加密货币投资（超过其投资组合的 50%）的人中尤为强烈，其中 68% 的人表示有意购买更多比特币。

Preference for Direct Bitcoin Investment

偏好直接比特币投资

Despite the availability of Bitcoin ETFs, 75% of Singaporeans prefer to invest directly in Bitcoin through cryptocurrency exchanges. This preference stems from lower fees and a wider range of trading options offered by exchanges.

尽管有比特币 ETF，但 75% 的新加坡人更喜欢通过加密货币交易所直接投资比特币。这种偏好源于交易所提供的较低费用和更广泛的交易选择。

Institutional Adoption and Growing Trust

机构采用和不断增长的信任

The long-awaited arrival of spot Bitcoin ETFs has spurred significant institutional demand, injecting billions of dollars into the Bitcoin market. This has bolstered public trust and understanding of Bitcoin, leading to an increase in Singaporeans allocating funds to the cryptocurrency.

期待已久的现货比特币 ETF 的到来刺激了巨大的机构需求，为比特币市场注入了数十亿美元。这增强了公众对比特币的信任和理解，导致新加坡人向加密货币配置资金的增加。

Singapore's Positive IRCI Score

新加坡的 IRCI 积极分数

Singapore's 2024 IRCI score of 56 reflects a positive shift in public sentiment towards cryptocurrency. While overall awareness and ownership may have declined slightly, key metrics such as confidence and optimism have strengthened.

新加坡 2024 年 IRCI 得分为 56 分，反映出公众对加密货币的情绪发生积极转变。虽然整体意识和所有权可能略有下降，但信心和乐观等关键指标有所增强。

Increased Investor Sophistication

投资者成熟度提高

This year's IRCI also reveals growing sophistication among Singaporean crypto investors. The majority (52%) have been in the market for over three years and hold increasingly diverse portfolios, with 16% now holding six or more different cryptocurrencies.

今年的 IRCI 还揭示了新加坡加密货币投资者日益成熟的情况。大多数人 (52%) 已进入市场三年多，并持有日益多样化的投资组合，其中 16% 目前持有六种或更多不同的加密货币。

Cryptocurrency as an Alternative Asset Class

加密货币作为另类资产类别

The reasons for investing in cryptocurrency have also shifted, with 52% of Singaporeans primarily investing for portfolio diversification, highlighting the growing recognition of crypto as an alternative asset class.

投资加密货币的原因也发生了变化，52% 的新加坡人主要投资于投资组合多元化，这突显出人们越来越认识到加密货币作为另类资产类别。

Profitability and Optimism

盈利能力和乐观情绪

A higher proportion of Singaporeans have made money on their crypto investments this year, with 64% reporting profits. This surpasses the profitability levels of the last two years and approaches the 74% peak reported during the 2021 bull market. Only 10% lost money this year, significantly lower than the 26% in 2023.

今年，更多新加坡人通过加密货币投资获利，其中 64% 的人报告盈利。这超过了过去两年的盈利水平，并接近 2021 年牛市期间报告的 74% 的峰值。今年只有 10% 亏损，明显低于 2023 年的 26%。

Mainstream Acceptance and Future Potential

主流接受度和未来潜力

Over half of the respondents (55%) believe that cryptocurrency will become widely accepted by businesses and everyday people, indicating rising mainstream trust and acceptance. Notably, the number of non-crypto owners who anticipate widespread adoption has also increased by 8 percentage points to 35%.

超过一半的受访者（55%）认为加密货币将被企业和普通人广泛接受，这表明主流信任和接受度不断上升。值得注意的是，预计加密货币被广泛采用的非加密货币所有者数量也增加了 8 个百分点，达到 35%。

Resilience in the Face of Economic Challenges

面对经济挑战的韧性

Despite rising interest rates and the increasing cost of living, Singaporeans remain bullish on cryptocurrency. Nearly a third (29%) plan to maintain or increase their crypto allocations, with 37% of those not impacted by rising costs also intending to invest or hold their current positions.

尽管利率上升和生活成本上升，新加坡人仍然看好加密货币。近三分之一 (29%) 计划维持或增加其加密货币配置，其中 37% 未受到成本上涨影响的人也打算投资或持有当前头寸。

Boomers Embrace Cryptocurrency

婴儿潮一代拥抱加密货币

Boomers (above 55 years old) have emerged as a surprisingly bullish demographic, with 25% planning to hold or increase their crypto allocations despite cost-of-living pressures. Their financial stability and reduced financial obligations may contribute to their ability and confidence in investing in crypto's growth potential.

婴儿潮一代（55 岁以上）已成为令人惊讶的乐观人群，尽管生活成本面临压力，但仍有 25% 的人计划持有或增加其加密货币配置。他们的财务稳定性和减少的财务义务可能有助于他们投资加密货币增长潜力的能力和信心。

Generational Differences in Crypto Investment

加密货币投资的代际差异

The report highlights contrasting attitudes between Gen Z (18-25 years old) and Gen X (46-55 years old). Gen Z, facing a more competitive job market, is more inclined towards entrepreneurial ventures and cryptocurrency investment, with 47% having invested in crypto over the last 12 months. Conversely, Gen X, which prioritizes job security and traditional career paths, has a lower participation rate of 30% in cryptocurrency.

该报告强调了 Z 世代（18-25 岁）和 X 世代（46-55 岁）之间截然不同的态度。 Z 世代面临着竞争更加激烈的就业市场，更倾向于创业和加密货币投资，其中 47% 的人在过去 12 个月内投资过加密货币。相反，优先考虑工作保障和传统职业道路的 X 一代的加密货币参与率较低，为 30%。

Influence of Portfolio Diversification and Recommendations

投资组合多元化的影响和建议

Portfolio diversification is a primary driver for Gen X investors, with 55% citing it as their motivation for investing in crypto. Gen Z, on the other hand, is heavily influenced by recommendations from family and friends.

投资组合多元化是 X 世代投资者的主要驱动力，55% 的投资者将其视为投资加密货币的动机。另一方面，Z 世代则深受家人和朋友推荐的影响。

Barriers to Non-Investment

非投资障碍

Lack of consumer protection, price volatility, a lack of funds, and educational barriers remain the primary reasons for non-investment in cryptocurrency, particularly among Gen X. Conversely, Gen Z faces challenges primarily due to financial constraints and a lack of knowledge.

缺乏消费者保护、价格波动、缺乏资金和教育障碍仍然是不投资加密货币的主要原因，尤其是 X 世代。相反，Z 世代面临的挑战主要是由于财务限制和缺乏知识。

Bullishness on Bitcoin's Future Price

看好比特币的未来价格

Gen Z is optimistic about the future of Bitcoin, with 61% believing in its widespread acceptance. However, only 18% believe it will not gain mainstream traction. In contrast, Gen X is more skeptical, with only 44% agreeing with Gen Z's assessment and 17% outright disagreeing.

Z 世代对比特币的未来持乐观态度，61% 的人相信比特币会被广泛接受。然而，只有 18% 的人认为它不会获得主流关注。相比之下，X 世代则更加持怀疑态度，只有 44% 的人同意 Z 世代的评估，17% 的人完全不同意。

Excitement for the Bitcoin Halving Event

比特币减半事件的兴奋

The Bitcoin halving event, which occurs approximately every four years and halves Bitcoin miner rewards, is widely anticipated to trigger a bull market. Following previous halving events, Bitcoin's value has experienced significant surges. Singaporeans are optimistic about Bitcoin's price, with nearly half (48%) believing it will reach between S$50,000 and S$100,000 by 2030.

比特币减半事件大约每四年发生一次，比特币矿工的奖励减半，人们普遍预计这将引发牛市。继之前的减半事件之后，比特币的价值经历了大幅上涨。新加坡人对比特币的价格持乐观态度，近一半 (48%) 的人认为到 2030 年比特币价格将达到 50,000 新元至 100,000 新元。

Conclusion

结论

The 2024 IRCI report presents a comprehensive analysis of the cryptocurrency landscape in Singapore, highlighting the growing popularity of Bitcoin, increasing industry optimism, and evolving investment strategies among Singaporeans. As the cryptocurrency market continues to evolve, Singapore is well-positioned to remain a key hub for digital asset adoption and innovation.

2024 年 IRCI 报告对新加坡的加密货币格局进行了全面分析，强调了比特币的日益普及、行业乐观情绪的增强以及新加坡人不断变化的投资策略。随着加密货币市场的不断发展，新加坡处于有利位置，可以继续成为数字资产采用和创新的关键中心。