比特幣與唐納德·特朗普（Donald Trump）的關稅戰爭期間的“波動投資”範式解耦

當比特幣與唐納德·特朗普（Donald Trump）的關稅戰爭期間的“波動投資”範式分離時，價格集會推遲了許多可能的加密投資者。

That ticker you see on the Business Maverick section homepage? It’s the sign of a shifting tide in the local crypto market that may upset the traditional finance ships.

您在商業特立獨行的部分主頁上看到的那個股票？這是當地加密貨幣市場發生不斷變化的跡象，可能會使傳統的金融船舶破壞。

When Bitcoin decoupled from its “volatile investment” paradigm during Donald Trump’s tariff war, the price rally put off many would-be crypto investors. But it represents just one asset in a vast universe of digital currencies. According to Christo de Wit, cryptocurrency exchange Luno’s country manager, Bitcoin functions primarily as “digital gold” and a “store of value”, while altcoins occupy entirely different asset classes.

當比特幣與唐納德·特朗普（Donald Trump）的關稅戰爭期間的“波動投資”範式分離時，價格集會推遲了許多可能的加密投資者。但這僅代表著廣闊的數字貨幣宇宙中的一個資產。根據Christo De Wit，加密貨幣交易所Luno的國家經理，比特幣主要用作“數字黃金”和“價值存儲”，而Altcoins則佔據完全不同的資產類別。

“There are around 20,000 other cryptocurrencies besides Bitcoin,” De Wit explains to Daily Maverick in an interview. “Each has its own underlying foundation and blockchain technology.”

“除了比特幣之外，還有大約20,000個加密貨幣。” “每個人都有自己的基礎和區塊鏈技術。”

Altcoins span many categories, including artificial intelligence, gaming, layer-one protocols and layer-two scaling solutions. For potential investors, understanding an Altcoin’s utility and underlying technology is crucial before committing funds.

AltCoins涵蓋了許多類別，包括人工智能，遊戲，一層協議和三層縮放解決方案。對於潛在的投資者而言，了解替代幣的效用和基礎技術至關重要。

“You need to understand what the asset or coin is used for and how its value has grown relative to fiat currencies or even Bitcoin,” says De Wit. “The market can be very overwhelming, given its breadth and complexity.”

De Wit說：“您需要了解資產或硬幣的用途以及其價值相對於法定貨幣甚至比特幣的增長。” “鑑於其廣度和復雜性，市場可能會非常壓倒性。”

Luno sails the Altcoin seas

Luno航行Altcoin海洋

Luno – once the most conservative option to turn rands into Bitcoin – is turning its sails to the wind and significantly expanding its crypto offerings. Having started with just a handful of cryptocurrencies, the exchange now lists more than 31 different digital assets and continues to grow its selection.

盧諾（Luno）曾經是將蘭德斯（Rands）變成比特幣的最保守的選擇 - 正在將其帆轉向風，並大大擴展其加密貨幣產品。從少數加密貨幣開始，該交易所現在列出了31多種不同的數字資產，並繼續增長其選擇。

“We need to grow with the industry,” says De Wit. “As the crypto market matures, particularly with regulation being adopted globally and increased scrutiny, we’ve been able to expand our product at a much faster pace because we’ve laid that solid foundation.”

“我們需要隨著行業的發展，” de Wit說。 “隨著加密貨幣市場的成熟，尤其是隨著法規在全球範圍內採用並增加了審查，我們已經能夠以更快的速度擴展我們的產品，因為我們已經奠定了堅實的基礎。”

This expansion goes beyond simply adding new cryptocurrencies. Luno has launched additional products, including staking wallets, allowing users to earn rewards for holding certain cryptocurrencies.

這種擴展不僅僅是添加新的加密貨幣。盧諾（Luno）推出了其他產品，包括藏有錢包，使用戶可以贏得持有某些加密貨幣的獎勵。

New coins, new rules

新硬幣，新規則

One does not simply list a new currency. They undergo scrutiny through Luno’s digital asset selection committee, which evaluates factors such as liquidity, security protocols and past security incidents. This is Luno’s typically cautious approach to keep customer investments safe while expanding responsibly.

人們不僅會列出新貨幣。他們通過Luno的數字資產選擇委員會進行了審查，該委員會評估了流動性，安全協議和過去的安全事件等因素。這是Luno通常謹慎的方法，以確保客戶投資安全，同時負責任地擴展。

“We’re pro-compliance and take a sensible approach to drive adoption through trust, safety and security,” says De Wit. “Our mission is to upgrade the world to a better financial system by giving exposure to the crypto industry and blockchain technology to our user base, expanding their knowledge.”

De Wit說：“我們是統一的，並採用明智的方法來通過信任，安全和保障來推動收養。” “我們的使命是通過向我們的用戶群介紹加密行業和區塊鏈技術，將世界升級到更好的金融體系，從而擴大他們的知識。”

Perhaps no cryptocurrency better exemplifies the unpredictable nature of the Altcoin market than Dogecoin. What began as a novelty token based on a meme has transformed into one of the cryptocurrency market’s most recognised assets – with some credit to Elon Musk riding the meme “to the moon”.

也許沒有更好的加密貨幣來體現山寨幣市場的不可預測性質。最初是基於模因的新奇令牌已經變成了加密貨幣市場最知名的資產之一 - 對埃隆·馬斯克（Elon Musk）騎著模因“ to Moon”的一定值得稱讚。

“Dogecoin started as a complete replica or fork of Bitcoin’s code,” De Wit explains. “Despite questions about its fundamental utility beyond uses like rewards and online trading, it has grown into such a big asset.”

De Wit解釋說：“ Dogecoin最初是一個完整的副本或比特幣代碼的叉子。” “儘管質疑其基本的實用程序以外的用途，例如獎勵和在線交易，但它已經發展成為如此大的資產。”

Now ranking in the top 10 cryptocurrencies by market capitalisation, Dogecoin boasts “a huge following”.

Dogecoin現在在市值中排名前10名加密貨幣，擁有“巨大的追隨者”。

“This represents an evolution from Memecoin to fully fledged Altcoin,” says De Wit. “Dogecoin is not going anywhere.”

“這代表了Memecoin到完全剛剛起步的Altcoin的演變，” Wit說。 “狗狗沒有任何地方。”

What this means for you

這對你意味著什麼

Think crypto is just volatile Bitcoin? Think again. The market has exploded with thousands of ‘altcoins’ designed for specific uses (like gaming or AI) and ‘stablecoins’ pegged to currencies such as the US dollar.

認為加密只是揮發性比特幣嗎？想一想。該市場爆炸了數千個專為特定用途（例如游戲或AI）設計的“ Altcoins”，以及與美元等貨幣掛鉤的“ Stablecoins”。

While Bitcoin is seen as ‘digital gold’, altcoins offer different opportunities. But beware – understand what a coin does and its underlying tech before investing, as the market is complex and risky.

雖然比特幣被視為“數字黃金”，但AltCoins提供了不同的機會。但是要當心 - 在投資之前，請了解硬幣的作用及其基礎技術，因為市場是複雜而風險的。

Stablecoins are shaking up cross-border payments, especially in Africa. They offer a way to potentially send or receive money internationally faster and with lower fees than traditional banks, reducing currency conversion losses.

穩定的人正在搖晃跨境支付，尤其是在非洲。他們提供了一種可能比傳統銀行更快地匯款或收取費用較低的方法，從而減少了貨幣轉換損失。

The bigger picture: Crypto isn’t just speculation any more. It’s starting to offer practical solutions, particularly for payments, challenging traditional finance systems.

更大的局面：加密不僅僅是猜測。它開始提供實用的解決方案，尤其是用於付款，挑戰傳統的金融系統。

Stablecoins to tame the remittance tide

穩定馴服的匯款潮

While volatile cryptocurrencies capture headlines, stablecoins – digital currencies pegged to stable assets such as the US dollar – are quietly revolutionising cross-border payments across Africa.

儘管揮發性加密貨幣佔據了頭條新聞，但穩定的貨幣（數字貨幣都掛在穩定的資產（例如美元））中正在悄悄地徹底改變了整個非洲的跨境支付。

Luke Kyohere, chief product and innovation officer at Onafriq, points to USDC, a regulated and fully reserved stablecoin pegged to the dollar, as a prime example.

Onafriq的首席產品兼創新官Luke Kyohere指出，USDC是一個受監管且完全保留的Stablecoin固定在Dollar上的人，這是一個很好的例子。

“Traditional money transfers are often characterised by high fees, slow settlement times and multiple currency conversions that erode value,” Kyohere explains. “Stablecoins leverage the speed of blockchain technology while eliminating the volatility concerns of traditional cryptocurrencies.”

“傳統的匯款通常以高費用，緩慢的定居時間和侵蝕價值的多種貨幣轉換為特徵，” Kyohere解釋說。 “ Stablecoins利用區塊鏈技術的速度，同時消除了傳統加密貨幣的波動性問題。”

For businesses, Stablecoin integration reduces transaction settlement times from days to minutes by “eliminating the need for multiple intermediaries, minimising FX slippage, and ensuring near-instant reconciliation”. This efficiency is particularly valuable in Africa, where liquidity constraints and currency volatility are common challenges.

對於企業，Stablecoin集成通過“消除對多個中介機構的需求，最大程度地減少FX滑倒並確保近乎安裝的和解”，從而將交易解決時間從幾天減少到幾分鐘。 ”這種效率在非洲尤其有價值，在非洲，流動性限制和貨幣波動是普遍的挑戰。

Stablecoins now account for

stablecoins現在說明