尼日利亞領先$ 125B Web3，Defi和Stablecoin繁榮

撒哈拉以南非洲的加密貨幣，BITCON（BTC）和穩定的硬幣採用正在穩步上升，尼日利亞領導了一個地區，該地區數字資產正在重塑融資，貿易和創新，這是由於貨幣不穩定和有限的銀行業務訪問所在。

Crypto, Bitcon (BTC) and Stable coin adoption in Sub-Saharan Africa is rising steadily, with Nigeria leading a region where digital assets are reshaping finance, trade, and innovation amid currency instability and limited banking access.

撒哈拉以南非洲的加密貨幣，BITCON（BTC）和穩定的硬幣採用正在穩步上升，尼日利亞領導了一個地區，該地區數字資產正在重塑融資，貿易和創新，這是由於貨幣不穩定和有限的銀行業務訪問所在。

A $125 Billion Digital Economy, and Growing

1250億美元的數字經濟和增長

Sub-Saharan Africa now holds approximately $125 billion in on-chain crypto value, marking a $7.5 billion increase over the past year. While the overall growth remains modest, the region is solidifying its place as a hotbed for crypto adoption—and Nigeria stands at the forefront.

撒哈拉以南非洲現在擁有約1,250億美元的鏈加密價值，比過去一年增長了75億美元。儘管整體增長仍然適中，但該地區正在鞏固其作為加密貨幣採用的溫床的位置，而尼日利亞則站在前沿。

With nearly one-third of its population actively using cryptocurrencies, Nigeria is both a continental and global leader in digital asset transactions. Several key factors are driving this shift. The Nigerian naira has suffered repeated devaluations, and local banking restrictions have made access to traditional financial services difficult.

尼日利亞有近三分之一的人口積極使用加密貨幣，既是數字資產交易的大陸和全球領導者。幾個關鍵因素是推動這一轉變。尼日利亞的奈拉遭受了反复的貶值，當地的銀行業務限制使得對傳統金融服務獲得了困難。

These challenges have pushed individuals and businesses toward cryptocurrencies, especially stablecoins like USD Coin (USDC) and Tether (USDT), which are pegged to the U.S. dollar. In a region where access to dollars is limited and national currencies are volatile, stablecoins now account for roughly 43% of all crypto transactions.

這些挑戰將個人和企業推向了加密貨幣，尤其是USD Coin（USDC）和Tether（USDT）等穩定幣，它們固定在美元上。在一個有限且國家貨幣易波動的地區，Stablecoins現在約佔所有加密交易的43％。

These digital assets serve as a more stable store of value and an efficient way to conduct cross-border trade and international remittances. In Nigeria, they also provide a vital hedge against inflation and currency depreciation while offering a cost-effective alternative to conventional banking.

這些數字資產是一種更穩定的價值存儲，也是進行跨境貿易和國際匯款的有效方法。在尼日利亞，他們還為通貨膨脹和貨幣貶值提供了至關重要的對沖，同時提供了一種經濟有效的替代常規銀行業務的替代品。

Decentralized Finance Filling the Access Gap

分散的金融填補訪問差距

The broader rise of crypto in Sub-Saharan Africa is closely tied to the lack of widespread financial infrastructure. According to the World Bank, fewer than half of adults in the region had access to a bank account as of 2021.

撒哈拉以南非洲加密貨幣的更廣泛興起與缺乏廣泛的金融基礎設施密切相關。根據世界銀行的數據，截至2021年，該地區只有不到一半的成年人可以使用銀行帳戶。

This financial exclusion has accelerated interest in decentralized finance (DeFi)—a blockchain-based alternative to traditional services like savings, loans, and currency exchanges. Built primarily on Ethereum, DeFi has gained strong traction, enabling millions of unbanked users to access tools that were previously out of reach.

這種金融排斥已加快了對分散財務（DEFI）的興趣，這是基於區塊鏈的替代方案，例如儲蓄，貸款和貨幣交易所等傳統服務。 Defi主要基於以太坊，獲得了強烈的吸引力，使數百萬未銀行的用戶能夠訪問以前無法觸及的工具。

The region’s growing crypto ecosystem is reflected in global rankings: Nigeria ranks second worldwide in crypto adoption, followed by Ethiopia (26th), Kenya (28th), and South Africa (30th), according to the Global Crypto Adoption Index.

該地區日益增長的加密生態系統反映在全球排名中：尼日利亞在加密採用中排名全球第二，其次是埃塞俄比亞（第26位），肯尼亞（28）和南非（第30位）。

Developers, Startups, and Global Trade

開發商，初創企業和全球貿易

Digital assets are also playing a critical role in empowering entrepreneurs and small businesses. Where traditional international transactions can be slow and costly, platforms like Binance have transformed cross-border trade into a fast, low-cost process. This has made crypto a practical tool for local firms to scale their operations and participate in the global economy.

數字資產在賦予企業家和小型企業權力方面也起著至關重要的作用。在傳統的國際交易可能會緩慢而昂貴的地方，諸如Binance之類的平台將跨境貿易轉變為快速，低成本的過程。這使加密貨幣成為當地公司擴展其運營並參與全球經濟的實用工具。

On the innovation front, Nigeria has emerged as Africa’s most active Web3 development hub. A recent report by Hashed Emergent, a venture firm supporting Web3 adoption in emerging markets, found that Nigeria accounted for 4% of all new Web3 developers globally in 2024—the highest from any African nation. The country’s developer base grew by 28% year over year, reaching 1.1 million.

在創新方面，尼日利亞已成為非洲最活躍的Web3開發中心。 Hashed Emperent的最新報告是一家支持Web3在新興市場中採用的風險投資公司，發現尼日利亞在2024年全球所有新的Web3開發商佔全球所有新的Web3開發商的4％，這是任何非洲國家最高的。該國的開發商群同比增長28％，達到110萬。

This rapid growth reflects a broader wave of grassroots innovation, particularly in blockchain applications across the financial and public sectors. Nigeria’s rising talent pool and active startup ecosystem signal its potential to become a global Web3 powerhouse.

這種快速增長反映了基層創新的廣泛浪潮，尤其是在整個財務和公共部門的區塊鏈應用中。尼日利亞不斷上升的人才庫和活躍的創業生態系統表明其成為全球Web3強國的潛力。

Regulatory Progress and Ongoing Risks

監管進展和持續風險

Efforts to provide regulatory clarity are underway. Two Nigerian crypto firms—Quidax and Busha—have secured provisional licenses under the SEC’s Accelerated Regulatory Incubation Programme (ARIP), launched in mid-2024. At a workshop in December, the SEC indicated plans to accelerate the licensing process in 2025.

提供法規清晰度的努力正在進行中。根據SEC的加速監管孵化計劃（ARIP），兩家尼日利亞加密公司（Quidax和Busha）獲得了臨時許可，該許可在2024年中期啟動。在12月的一個研討會上，SEC指出了計劃在2025年加速許可過程的計劃。

Despite these steps, uncertainty still looms. The absence of a comprehensive regulatory framework has left users and investors vulnerable. Centralized exchanges remain a risk, where a single misstep could lead to significant losses. Peer-to-peer (P2P) transfers also carry potential dangers, especially for new users unfamiliar with blockchain networks or how to minimize transaction fees.

儘管有這些步驟，但不確定性仍然隱約可見。缺乏全面的監管框架使用戶和投資者脆弱。集中交流仍然是一個風險，單一失誤可能導致巨大的損失。點對點（P2P）的轉移也帶來潛在的危險，特別是對於不熟悉區塊鍊網絡的新用戶或如何最大程度地減少交易費用。

Nigeria’s Bitcoin Mining Opportunity

尼日利亞的比特幣採礦機會

Now, attention is turning toward Bitcoin mining, where the financial upside is substantial. At current BTC prices climbing above $100K again this week, capturing just 1% of the global mining hash rate could generate over $350-400 million annually.

現在，注意力轉向比特幣採礦，那裡的財務上升空間很大。在目前的BTC價格本週再次攀升至$ 10萬美元以上，每年僅捕獲1％的全球採礦哈希稅率可能會產生超過3.50億美元的$ 3.50億美元。

While no African nation currently ranks among top global miners, Nigeria holds a key advantage: underutilized natural gas reserves. Much of this energy is flared and wasted, but if redirected toward mining, it could power a scalable, revenue-generating infrastructure.

儘管目前沒有非洲國家在全球礦工中排名最高，但尼日利亞擁有一個關鍵優勢：未充分利用的天然氣儲量。這種能量的大部分是爆發和浪費的，但是如果將其重定向到採礦，它可能會為基礎設施提供可擴展的，創收的基礎設施。

With rising global interest, supportive policies and investment in energy infrastructure could position Nigeria as Africa’s first major Bitcoin mining hub—transforming gas into digital gold.

隨著全球興趣的上升，支持性政策和對能源基礎設施的投資可以將尼日利亞定位為非洲第一個主要的比特幣礦業中心，將天然氣轉化為數字黃金。