根據國際定居銀行（BIS）的最新報告

根據國際定居銀行（BIS）的最新報告，全球跨境的跨境加密貨幣支付主要由投機投資驅動。

The Bank for International Settlements (BIS) has revealed that cross-border cryptocurrency payments, largely driven by speculative investment, amounted to approximately $600 billion during the second quarter of 2024.

國際定居銀行（BIS）透露，跨境加密貨幣支付在很大程度上是由投機投資驅動的，在2024年第二季度，約為6000億美元。

The study, titled "Cross-Border Payments: Recent Trends and the Role of Native Crypto Assets," was published on Monday and focused on the two largest cryptocurrencies, Bitcoin (BTC) and Ether (ETH), along with the two leading stablecoins, USDt (USDT) and USDC (USDC).

該研究的標題為“跨境支付：最新趨勢和本地加密資產的作用”，於週一發表，重點介紹了兩種最大的加密貨幣，比特幣（BTC）和Ether（ETH），以及兩個領先的Stablecoins，USDT（USDT）和USDC（USDC（USDC））。

The researchers observed that the U.S. and the U.K. collectively accounted for 20% of cross-border payments using Bitcoin and USDC, and nearly 30% of those using ETH. Notably, Russia and Turkey together contributed over 12% of the cross-border transactions in USDT, the world's largest stablecoin.

研究人員觀察到，美國和英國使用比特幣和USDC共同佔跨境支付的20％，而使用ETH的人中有近30％。值得注意的是，俄羅斯和土耳其共同貢獻了全球最大的Stablecoin USDT跨境交易的12％以上。

The analysis also found that stablecoins and low-value Bitcoin transactions were frequently driven by practical use cases, especially as alternatives to traditional remittances.

該分析還發現，穩定的固黴素和低價值比特幣交易經常受實際用例驅動，尤其是作為傳統匯款的替代方案。

“Higher opportunity costs of fiat currency usage, such as high inflation, spur bilateral cross-border transactions in both unbacked cryptoassets and stablecoins,” the BIS stated.

BIS說：“法定貨幣使用的較高機會成本，例如通貨膨脹高，刺激雙邊跨境交易，在未經後面的加密貨幣和穩定的情況下。”

Moreover, the researchers pointed out that geographical barriers had less influence on cryptocurrency transactions compared with traditional financial systems. This observation was attributed to the decentralized nature of cryptocurrencies and their less-pronounced dependence on specific national or regional factors.

此外，研究人員指出，與傳統金融系統相比，地理障礙對加密貨幣交易的影響較小。該觀察結果歸因於加密貨幣的分散性及其對特定國家或區域因素的依賴性較低。

The findings come nearly a month after the BIS warned that the number of investors and capital in crypto and decentralized finance (DeFi) had “reached a critical mass,” posing a threat to financial stability and global wealth inequality.

這些發現是在BIS警告Crypto和分散財務（DEFI）的投資者和資本的數量“達到了關鍵群眾”之後的將近一個月。

The observations by the central bank also come amid a period of heightened scrutiny on the cryptocurrency industry, particularly in light of the bankruptcies of major firms like FTX and the subsequent market downturn.

中央銀行的觀察結果也在對加密貨幣行業進行了高度審查之際，特別是鑑於FTX等主要公司的破產和隨後的市場低迷。