普通的美國人正在努力儲蓄。

工資並沒有跟上通貨膨脹的能力，建立財務安全的傳統工具也不像以前那樣運行。

In the heart of America, a tale unfolds of an average citizen struggling to save amidst a time of economic hardship. Wages haven't kept pace with inflation, leaving many feeling like they're treading water financially. The traditional tools for building financial security—credit cards and savings accounts—aren’t working like they used to.

在美國的中心，一個普通公民努力挽救經濟困難時期的故事。工資並沒有跟上通貨膨脹的步伐，讓許多人感到自己在經濟上踩水。建立財務安全的傳統工具（貸款卡和儲蓄帳戶）並沒有像以前那樣運行。

Enter Bitcoin, the revolutionary cryptocurrency that has captured the attention of many seeking an alternative. However, for most Americans, Bitcoin still feels too volatile, too complex, or simply too far out of reach to pay attention to. And when saving itself seems impossible, buying Bitcoin directly isn’t even on the radar.

輸入比特幣，這是革命的加密貨幣，引起了許多尋求選擇的注意。但是，對於大多數美國人而言，比特幣仍然感覺太動蕩了，太複雜，或者太遠了，無法關注。而且，當儲蓄本身似乎是不可能的，直接購買比特幣甚至不在雷達上。

But what if there was a way to effortlessly include Bitcoin in your daily life without altering your spending habits? A small change that could make a big difference in the average American’s ability to save.

但是，如果有一種方法可以毫不費力地將比特幣在您的日常生活中納入，而又不改變您的支出習慣，該怎麼辦？一個很小的變化，可能會對美國人普通的節省能力產生很大的影響。

A bitcoin rewards credit card is the ultimate budget-neutral strategy for bitcoin accumulation. It allows you to stack sats without changing your habits; just choose a different daily driver credit card.

比特幣獎勵信用卡是比特幣積累的最終預算中立策略。它使您可以在不改變習慣的情況下堆疊坐著；只需選擇其他每日駕駛員信用卡即可。

This is a solution for the bitcoin-curious who aren’t yet ready to buy and for those focused on keeping their head above water—struggling to budget for any meaningful savings. It’s a way to accumulate bitcoin without running faster on the hamster wheel.

對於尚未準備好購買的比特幣，這是一種解決方案，而那些專注於保持水面的人來說，他們為任何有意義的節省而努力預算。這是一種在倉鼠輪上累積比特幣而無需更快運行的方法。

Like bitcoin itself, once you see the benefits of a bitcoin rewards credit card, you can’t unsee it. For individuals, it may not seem obvious at first glance, but when you zoom out to the extreme ends of the spending spectrum, the potential becomes impossible to ignore.

像比特幣本身一樣，一旦看到比特幣獎勵信用卡的好處，就無法看見它。對於個人而言，乍看之下似乎並不明顯，但是當您縮小到支出範圍的極端時，潛力就無法忽略。

In 2024, the U.S. government spent $39.7 billion on credit cards—averaging over $108 million in daily spend. At a 2% bitcoin rewards rate and an average bitcoin price of $66K, that would have equaled to roughly 33 BTC earned per day and over 12,000 BTC across the year—all without increasing the budget by a single dollar.

2024年，美國政府在信用卡上花費了397億美元，每日支出超過1.08億美元。以2％的比特幣獎勵利率和平均比特幣價格為66K美元，這將等於每天大約33個BTC，全年超過12,000 BTC，都沒有將預算增加一美元。

At today’s bitcoin prices, that reward stack would have grown by roughly $400 million in additional purchasing power—an increase that nearly matches the $506 million in total refunds earned through the existing GSA SmartPay program.

以當今的比特幣價格，這種獎勵堆棧將增加約4億美元的額外購買力，這增加了幾乎與通過現有的GSA SmartPay計劃獲得的5.06億美元退款相匹配。

It’s a stretch to imagine the U.S. government adopting the Fold Standard. But the hypothetical large-scale example shows just how quickly bitcoin rewards can stack up. And this strategy works whether you’re a government agency, a corporation, a small business, an individual, or a family trying to build long-term wealth.

可以想像美國政府採用了折疊標準。但是，假設的大規模示例表明，比特幣獎勵可以堆積的速度。無論您是政府機構，公司，小型企業，個人還是試圖建立長期財富的家庭。

A bitcoin rewards credit card simply makes sense.

比特幣獎勵信用卡很有意義。

The payment bridge bitcoiners need

支付橋比特幣需要

Credit cards aren’t going anywhere. The network effects of infrastructure and cultural acceptance are massive. They’re the preferred payment method for a reason.

信用卡不會去任何地方。基礎設施和文化接受的網絡影響是巨大的。這是由於某種原因而是首選付款方式。

What both current and future bitcoiners need is an optimal way to straddle bitcoin and dollars as money—and a bitcoin rewards credit card is that solution.

當前和未來的比特幣人都需要的是跨越比特幣和美元作為金錢的最佳方法，而比特幣獎勵信用卡就是這種解決方案。

Leveraging the existing financial system to make living on bitcoin easier isn’t a fiat compromise. It’s progress. And meeting pre-coiners where they are, with a seamless on-ramp to bitcoin, is a good thing.

利用現有的金融系統使比特幣生活更加輕鬆，這不是法定妥協。這是進步。與他們所處的前賽車會面，帶有無縫的坡道到比特幣是一件好事。

As Americans look for ways to defend their savings against inflation, wage stagnation, and the quiet erosion of purchasing power, a bitcoin rewards credit card offers a simple solution: upgrade a familiar tool and accumulate bitcoin without disrupting day-to-day life.

當美國人尋找捍衛自己的積蓄抵抗通貨膨脹，工資停滯和安靜購買能力的方法時，比特幣獎勵信用卡提供了一個簡單的解決方案：升級熟悉的工具並積累了比特幣而不會破壞日常生活。

Even if bitcoin merchant adoption became widespread in America, many would still choose to spend debased dollars and save in hard money. That preference only grows stronger as more people internalize bitcoin as their personal hurdle rate.

即使比特幣商人的採用在美國廣泛流傳，許多人仍然會選擇花錢貶值並節省辛苦的錢。隨著越來越多的人將比特幣作為個人障礙率，這種偏好只會變得更加強大。

So despite not being a bitcoin-native innovation, the upcoming Fold Credit Card is worth celebrating as if it were. Once launched, the first public bitcoin financial services company will have infiltrated the apex predator of payment methods—routing broken incentives toward bitcoin adoption.

因此，儘管不是比特幣本地的創新，但即將到來的折疊信用卡還是值得慶祝的。推出後，第一家公共比特幣金融服務公司將滲透到付款方式的最高捕食者，從而剝奪了對比特幣採用的破壞激勵措施。

And as bitcoin becomes normalized as pristine capital, it can continue to upgrade the system from the inside.

隨著比特幣作為原始資本的歸一化，它可以繼續從內部升級系統。

“Today, the best credit cards are only available to a limited set of consumers with high FICO scores, a system that reflects debt management. What happens when bitcoin ownership and activity can signal financial responsibility? Suddenly, a card that previously served 20% of the population could serve 50%.” —Will Reeves

“如今，最好的信用卡僅適用於有限的FICO分數的有限消費者，該系統反映了債務管理。 - 將是里夫斯

Beyond rewards

超越獎勵

The Fold Credit Card won’t be the only credit card that earns bitcoin—but it will be the first one built into a comprehensive toolkit for personal finances powered by bitcoin. And that’s something special.

折疊信用卡將不會是唯一獲得比特幣的信用卡，但它將是第一個內置的信用卡，用於由比特幣提供動力的個人理財的全面工具包。這很特別。

If you’re already saving in bitcoin, you’ve experienced the relief of not having to be an amateur investor to keep up with dollar debasement. You’ve eliminated the need to play those fiat games.

如果您已經節省了比特幣，那麼您就會感到不必成為業餘投資者來跟上美元貶值的情況。您已經消除了玩這些菲亞特遊戲的需要。

This relief is overlooked when comparing the upcoming Fold Credit Card with other options.

將即將到來的折疊信用卡與其他選項進行比較時，這種浮雕被忽略了。

Yes—you could juggle legacy cards to maximize cash back dollars and manually buy bitcoin at the end of the month.

是的 - 您可以兼顧遺留卡以最大化現金退款，並在本月底手動購買比特幣。