德國銀行，加密貨幣交易和FOMO：一個新時代？

在客戶需求和監管變化的推動下，德國銀行正在加熱加密交易。 FOMO踢了嗎？讓我們潛水。

German Banks, Crypto Trading, and FOMO: A New Era?

德國銀行，加密貨幣交易和FOMO：一個新時代？

The winds are shifting in the world of German finance! Sparkassen-Finanzgruppe, a major German banking group, is planning to offer crypto trading services to its 50 million+ customers by 2026. Are German banks finally embracing crypto, or is it just a case of FOMO (Fear Of Missing Out)?

在德國金融世界中，風正在發生變化！德國主要銀行集團Sparkassen-Finanzgruppe計劃到2026年向其5000萬+客戶提供加密貨幣交易服務。德國銀行終於擁抱了加密貨幣，還是只是FOMO的一個案例（擔心會錯過）？

The Sparkassen Shift: A Sign of the Times?

Sparkassen Shift：時代的標誌？

For years, Sparkassen executives were skeptical of crypto, citing volatility and risk. They even blocked crypto purchases back in 2015. Now, they're partnering with Dekabank to provide crypto trading through their app. This is a big deal, signaling a potential change in how traditional financial institutions view digital assets. The German Savings Banks Association (DSGV) acknowledges that this move responds to existing demand and aligns with the EU's MiCA regulatory framework.

多年來，Sparkassen高管以波動性和風險為由對加密貨幣表示懷疑。他們甚至在2015年封鎖了加密貨幣的購買。現在，他們與DeKabank合作，通過其應用程序提供加密貨幣交易。這很重要，這表明傳統金融機構如何看待數字資產的潛在變化。德國儲蓄銀行協會（DSGV）承認，這一舉動對現有需求做出了響應，並與歐盟的雲母監管框架保持一致。

Germany's Crypto Inroads: Sparkassen Isn't Alone

德國的加密貨幣：Sparkassen並不孤單

Sparkassen isn't the only German bank exploring crypto. DZ Bank, Germany’s second-largest financial institution, partnered with Boerse Stuttgart Digital for a crypto service pilot in September 2024. Landesbank Baden-Württemberg also announced crypto custody solutions for institutional clients. The trend is clear: German banks are cautiously entering the crypto space.

Sparkassen並不是唯一的德國銀行探索加密貨幣。德國第二大金融機構DZ銀行於2024年9月與Boerse Stuttgart Digital合作，為加密服務飛行員合作。 LandesbankBaden-Württemberg還宣布了針對機構客戶的Crypto監護解決方案。趨勢很明顯：德國銀行正謹慎地進入加密貨幣空間。

Is It FOMO? Or Strategic Adaptation?

是FOMO嗎？還是戰略適應？

Is this a case of FOMO? Possibly. Crypto venture capitalist Kyle Chasse noted that “banks are catching up.” Eric Trump even speculated that banks might become extinct within 10 years if they don't embrace crypto. Messari CEO Eric Turner and Sygnum Bank’s Thomas Eichenberger predict even deeper integration by 2025, driven by regulatory acceptance. This suggests that banks recognize the potential of crypto and don't want to be left behind.

這是FOMO的情況嗎？可能。 Crypto Venture資本家Kyle Chasse指出，“銀行正在趕上。”埃里克·特朗普（Eric Trump）甚至推測，如果銀行不接受加密貨幣，銀行可能會在10年內滅絕。 Messari首席執行官Eric Turner和Sygnum Bank的Thomas Eichenberger預測，到2025年，由監管接受驅動。這表明銀行認識到加密的潛力，不想被拋在後面。

However, it's not just FOMO. The regulatory landscape is becoming clearer, with MiCA providing a framework for crypto assets. This gives banks more confidence to enter the space. Also, there's a growing demand from customers for crypto services. Banks are simply responding to market forces.

但是，這不僅僅是FOMO。監管格局變得越來越清晰，雲母為加密資產提供了框架。這使銀行更有信心進入該空間。此外，客戶對加密服務的需求不斷增長。銀行只是對市場力量做出回應。

Beyond Bitcoin: Altcoins and Presales Gain Traction

超越比特幣：AltCoins和Presales獲得牽引力

While Bitcoin remains a dominant force, investors are increasingly looking at altcoins for higher potential returns. This is reflected in the Bitcoin dominance index dipping below crucial support levels. Structured presales, like that of Neo Pepe Coin ($NEOP), are gaining popularity. These presales offer transparency, gamification, and adherence to regulatory standards, attracting serious capital.

儘管比特幣仍然是主要力量，但投資者越來越多地尋找山寨幣尋求更高的潛在回報。這反映在比特幣優勢指數下降到關鍵支持水平以下。結構化的預售，例如Neo Pepe Coin（$ neop），它變得越來越受歡迎。這些預售提供了透明，遊戲化和遵守監管標準，吸引了嚴重的資本。

Mastercard and Chainlink: Bridging Traditional and Decentralized Finance

萬事達卡和連鎖鏈接：橋接傳統和分散的金融

Mastercard's partnership with Chainlink further blurs the lines between traditional and decentralized finance. This collaboration enables Mastercard's nearly 3 billion cardholders to purchase crypto assets directly on the blockchain. This move improves accessibility and integrates traditional payment infrastructure with blockchain technology.

萬事達卡與ChainLink的合作夥伴關係進一步掩蓋了傳統和分散財務之間的界限。這項合作使萬事達卡的近30億持卡人能夠直接在區塊鏈上購買加密資產。此舉改善了可訪問性，並將傳統的支付基礎架構與區塊鏈技術相結合。

The Bottom Line

底線

German banks are cautiously entering the crypto space, driven by customer demand, regulatory changes, and a desire to avoid being left behind. While there's an element of FOMO, it's also a strategic adaptation to the evolving financial landscape. With structured presales and partnerships like Mastercard and Chainlink gaining traction, the future of finance looks increasingly decentralized. So, buckle up, folks! It's gonna be a wild ride, but one thing's for sure: the old ways of finance are changing, and crypto is playing a bigger role than ever. Who knows, maybe your Oma will be trading crypto on her Sparkassen app soon!

德國銀行在客戶需求，監管變化以及避免被拋棄的願望的驅動下謹慎地進入加密貨幣空間。儘管有FOMO的要素，但它也是對不斷發展的金融景觀的戰略改編。隨著諸如萬事達卡和Chainlink等結構化的預售和合作夥伴關係，財務的未來看起來越來越分散。所以，搭扣，伙計們！這將是一個瘋狂的旅程，但可以肯定的是：舊的財務方式正在發生變化，而加密貨幣的角色比以往任何時候都更大。誰知道，也許您的OMA很快就會在她的Sparkassen應用程序上交易加密貨幣！