中小型企業 (SME) 的比特幣採用率不斷增長

在 2024 年比特幣阿姆斯特丹會議上，Relai 執行長 Julian Liniger 上台討論了一個日益增長的趨勢：中小企業（SME）採用比特幣。

At the Bitcoin Amsterdam Conference 2024, Julian Liniger, CEO of Relai, took to the stage to discuss a growing trend: small and medium-sized enterprises (SMEs) adopting Bitcoin. Liniger shared his insights on how Bitcoin can serve as a strategic advantage for businesses of all sizes.

在 2024 年比特幣阿姆斯特丹會議上，Relai 執行長 Julian Liniger 上台討論了一個日益增長的趨勢：中小企業（SME）採用比特幣。 Liniger 分享了他對比特幣如何成為各種規模企業的策略優勢的見解。

Previously, discussions about Bitcoin focused mainly on individual and institutional investors. Recently, however, SMEs have begun to recognize Bitcoin’s potential, shifting from traditional cash reserves to Bitcoin as a treasury asset. Relai has already assisted in onboarding around 100 businesses, surprising even Liniger with the diversity of companies expressing interest in Bitcoin.

此前，有關比特幣的討論主要集中在個人和機構投資者。然而，最近中小企業開始認識到比特幣的潛力，從傳統的現金儲備轉向比特幣作為庫存資產。 Relai 已經協助約 100 家企業入駐，表達對比特幣興趣的公司數量之多，就連 Liniger 也感到驚訝。

Liniger stated that the primary reason businesses are turning to Bitcoin is its ability to preserve purchasing power. Unlike traditional currencies that lose value due to inflation, Bitcoin’s supply is capped, which allows for potential growth in value over time. He also noted that this trend isn’t limited to tech or financial companies.

Liniger 表示，企業轉向比特幣的主要原因是它能夠保持購買力。與因通貨膨脹而貶值的傳統貨幣不同，比特幣的供應是有限的，這使得隨著時間的推移，其價值可能會成長。他也指出，這種趨勢不僅限於科技或金融公司。

Craftsman’s company

工匠公司

The first category, according to Liniger, consists of small, hands-on businesses, often called “craftsman companies.” These include trades like carpentry, electrical work, and construction. Typically employing around 10 to 15 people, these businesses play essential roles in their communities.

根據 Liniger 的說法，第一類由小型實踐型企業組成，通常被稱為「工匠公司」。其中包括木工、電氣工作和建築等行業。這些企業通常僱用 10 到 15 名左右的員工，在其社區中發揮重要作用。

Liniger pointed out that the owners of these companies frequently face challenges related to the diminishing value of cash. As inflation and other economic pressures make their savings feel less secure, many business owners start exploring alternative options to protect their wealth.

利尼格指出，這些公司的所有者經常面臨與現金價值遞減相關的挑戰。由於通貨膨脹和其他經濟壓力使他們的儲蓄變得不那麼安全，許多企業主開始探索其他選擇來保護他們的財富。

This exploration often leads them to Bitcoin, which offers the potential for value preservation. Liniger noted that more than 40% of the businesses his organization has integrated into the Bitcoin ecosystem fall into this category, demonstrating a surprisingly broad adoption of Bitcoin beyond just the tech and finance sectors

這種探索往往會將他們引向比特幣，因為比特幣具有保值的潛力。 Liniger 指出，他的組織整合到比特幣生態系統中的企業中有超過 40% 屬於這一類，這表明比特幣的採用範圍令人驚訝，不僅限於科技和金融領域

Service-based businesses

以服務為基礎的企業

The second category includes service and consulting firms, encompassing businesses like advisory services, software development companies, and design agencies. These firms, whether large or small, might not initially have any connection to Bitcoin.

第二類包括服務和顧問公司，包括諮詢服務、軟體開發公司和設計機構等企業。這些公司，無論大小，最初可能與比特幣沒有任何關聯。

However, as their owners discover the personal benefits of Bitcoin—such as its value preservation and decentralized nature—they begin to adopt it for their companies. Liniger expressed confidence that this trend will continue, as entrepreneurs are typically open to new ideas and innovations.

然而，當他們的所有者發現比特幣的個人好處（例如其保值性和去中心化性質）時，他們開始在自己的公司中採用它。 Liniger 表示相信這種趨勢將持續下去，因為企業家通常對新想法和創新持開放態度。

This growing community of Bitcoin enthusiasts, particularly among business owners, fosters an environment that encourages further adoption and integration of Bitcoin into corporate practices.

這個不斷壯大的比特幣愛好者社區，尤其是企業主，創造了一個鼓勵進一步採用比特幣並將其融入企業實踐的環境。

Real estate and commodity businesses

房地產和商品業務

The third category highlighted by Liniger includes companies involved in real estate and commodity trading. These businesses, already managing tangible assets like property, are increasingly looking to diversify their investments by incorporating Bitcoin.

Liniger 強調的第三類包括涉及房地產和大宗商品交易的公司。這些企業已經在管理房地產等有形資產，越來越多地尋求透過納入比特幣來實現投資多元化。

By reallocating some of their cash reserves and real estate holdings into Bitcoin, these companies aim to gain exposure to a digital asset with potential for appreciation. This strategic shift acknowledges Bitcoin’s value as an alternative investment, particularly amid a changing economic landscape.

透過將部分現金儲備和房地產重新配置為比特幣，這些公司的目標是獲得具有升值潛力的數位資產。這一戰略轉變承認了比特幣作為另類投資的價值，特別是在不斷變化的經濟狀況下。

Liniger’s insights suggest that small, hands-on businesses, service and consulting firms, and companies in real estate and commodity trading are leading the way in Bitcoin adoption. This trend illustrates a broader acceptance of cryptocurrency across various industries. Entrepreneurs and business owners are increasingly leveraging Bitcoin as a solution to economic challenges.

Liniger 的見解表明，小型實踐型企業、服務和顧問公司以及房地產和商品交易公司在比特幣採用方面處於領先地位。這一趨勢顯示各行業對加密貨幣的接受度越來越高。企業家和企業主越來越多地利用比特幣作為應對經濟挑戰的解決方案。

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The growing integration of Bitcoin into these diverse business sectors signals a promising future for the cryptocurrency, as it becomes an integral part of the financial strategies of businesses across the board.

比特幣越來越多地融入這些不同的商業領域，這標誌著加密貨幣的前景光明，因為它已成為企業財務策略不可或缺的一部分。

Further case studies

進一步的案例研究

According to Liniger, these case studies highlight how his firm has integrated more businesses into Bitcoin. The first example involves a gold brokerage company in Europe. This company believes in “hard money,” viewing gold as a more reliable form of wealth compared to fiat money, which they trust less.

Liniger 表示，這些案例研究凸顯了他的公司如何將更多業務整合到比特幣中。第一個例子涉及歐洲的黃金經紀公司。該公司相信“硬通貨”，認為黃金是一種比法定貨幣更可靠的財富形式，而他們對法定貨幣的信任度較低。

They share similarities with Bitcoin enthusiasts, valuing precious metals for reasons akin to why Bitcoiners value Bitcoin. This brokerage is purchasing $100,000 worth of Bitcoin monthly, totaling over a million dollars annually.

他們與比特幣愛好者有相似之處，他們看重貴金屬的原因與比特幣愛好者重視比特幣的原因類似。該經紀公司每月購買價值 10 萬美元的比特幣，每年總計超過 100 萬美元。

Their goal is to diversify their investments by shifting some funds from gold to Bitcoin, which they see as an emerging digital asset. Liniger predicts that many other gold brokers may adopt this strategy in the coming decade.

他們的目標是透過將部分資金從黃金轉移到比特幣來實現投資多元化，他們認為比特幣是一種新興的數位資產。 Liniger 預測，未來十年許多其他黃金經紀商可能會採用這種策略。

The second example features a real estate company that owns about 40 to 50 buildings. This company buys and develops properties to rent. Like many real estate businesses, they maintain a financial reserve for each building to cover unexpected repairs or renovations.

第二個範例是一家擁有約 40 到 50 棟建築物的房地產公司。該公司購買和開發出租物業。與許多房地產企業一樣，他們為每棟建築保留財務儲備，以應對意外的維修或翻新。

He noted that these businesses realized keeping their reserves in euros no longer made sense. Over time, the purchasing power of the euro can decrease significantly. Instead, one of their clients decided to invest this reserve in Bitcoin, buying between $10,000 and $50,000 worth of Bitcoin for each building.

他指出，這些企業意識到以歐元保留儲備不再有意義。隨著時間的推移，歐元的購買力可能會大幅下降。相反，他們的一位客戶決定將這筆儲備投資於比特幣，為每棟建築購買價值 10,000 至 50,000 美元的比特幣。

This strategy ensures they have the necessary funds for repairs or renovations while also benefiting from the potential growth in Bitcoin’s value. Liniger points out that as the value of money has declined, so has the quality of buildings. By switching to a currency

這項策略確保他們擁有必要的資金進行維修或翻新，同時也受益於比特幣價值的潛在成長。 Liniger 指出，隨著貨幣價值的下降，建築物的品質也在下降。透過切換到貨幣