普通的美国人正在努力储蓄。

工资并没有跟上通货膨胀的能力，建立财务安全的传统工具也不像以前那样运行。

In the heart of America, a tale unfolds of an average citizen struggling to save amidst a time of economic hardship. Wages haven't kept pace with inflation, leaving many feeling like they're treading water financially. The traditional tools for building financial security—credit cards and savings accounts—aren’t working like they used to.

在美国的中心，一个普通公民努力挽救经济困难时期的故事。工资并没有跟上通货膨胀的步伐，让许多人感到自己在经济上踩水。建立财务安全的传统工具（贷款卡和储蓄帐户）并没有像以前那样运行。

Enter Bitcoin, the revolutionary cryptocurrency that has captured the attention of many seeking an alternative. However, for most Americans, Bitcoin still feels too volatile, too complex, or simply too far out of reach to pay attention to. And when saving itself seems impossible, buying Bitcoin directly isn’t even on the radar.

输入比特币，这是革命的加密货币，引起了许多寻求选择的注意。但是，对于大多数美国人而言，比特币仍然感觉太动荡了，太复杂，或者太远了，无法关注。而且，当储蓄本身似乎是不可能的，直接购买比特币甚至不在雷达上。

But what if there was a way to effortlessly include Bitcoin in your daily life without altering your spending habits? A small change that could make a big difference in the average American’s ability to save.

但是，如果有一种方法可以毫不费力地将比特币在您的日常生活中纳入，而又不改变您的支出习惯，该怎么办？一个很小的变化，可能会对美国人普通的节省能力产生很大的影响。

A bitcoin rewards credit card is the ultimate budget-neutral strategy for bitcoin accumulation. It allows you to stack sats without changing your habits; just choose a different daily driver credit card.

比特币奖励信用卡是比特币积累的最终预算中立策略。它使您可以在不改变习惯的情况下堆叠坐着；只需选择其他每日驾驶员信用卡即可。

This is a solution for the bitcoin-curious who aren’t yet ready to buy and for those focused on keeping their head above water—struggling to budget for any meaningful savings. It’s a way to accumulate bitcoin without running faster on the hamster wheel.

对于尚未准备好购买的比特币，这是一种解决方案，而那些专注于保持水面的人来说，他们为任何有意义的节省而努力预算。这是一种在仓鼠轮上累积比特币而无需更快运行的方法。

Like bitcoin itself, once you see the benefits of a bitcoin rewards credit card, you can’t unsee it. For individuals, it may not seem obvious at first glance, but when you zoom out to the extreme ends of the spending spectrum, the potential becomes impossible to ignore.

像比特币本身一样，一旦看到比特币奖励信用卡的好处，就无法看见它。对于个人而言，乍看之下似乎并不明显，但是当您缩小到支出范围的极端时，潜力就无法忽略。

In 2024, the U.S. government spent $39.7 billion on credit cards—averaging over $108 million in daily spend. At a 2% bitcoin rewards rate and an average bitcoin price of $66K, that would have equaled to roughly 33 BTC earned per day and over 12,000 BTC across the year—all without increasing the budget by a single dollar.

2024年，美国政府在信用卡上花费了397亿美元，每日支出超过1.08亿美元。以2％的比特币奖励利率和平均比特币价格为66K美元，这将等于每天大约33个BTC，全年超过12,000 BTC，都没有将预算增加一美元。

At today’s bitcoin prices, that reward stack would have grown by roughly $400 million in additional purchasing power—an increase that nearly matches the $506 million in total refunds earned through the existing GSA SmartPay program.

以当今的比特币价格，这种奖励堆栈将增加约4亿美元的额外购买力，这增加了几乎与通过现有的GSA SmartPay计划获得的5.06亿美元退款相匹配。

It’s a stretch to imagine the U.S. government adopting the Fold Standard. But the hypothetical large-scale example shows just how quickly bitcoin rewards can stack up. And this strategy works whether you’re a government agency, a corporation, a small business, an individual, or a family trying to build long-term wealth.

可以想象美国政府采用了折叠标准。但是，假设的大规模示例表明，比特币奖励可以堆积的速度。无论您是政府机构，公司，小型企业，个人还是试图建立长期财富的家庭。

A bitcoin rewards credit card simply makes sense.

比特币奖励信用卡很有意义。

The payment bridge bitcoiners need

支付桥比特币需要

Credit cards aren’t going anywhere. The network effects of infrastructure and cultural acceptance are massive. They’re the preferred payment method for a reason.

信用卡不会去任何地方。基础设施和文化接受的网络影响是巨大的。这是由于某种原因而是首选付款方式。

What both current and future bitcoiners need is an optimal way to straddle bitcoin and dollars as money—and a bitcoin rewards credit card is that solution.

当前和未来的比特币人都需要的是跨越比特币和美元作为金钱的最佳方法，而比特币奖励信用卡就是这种解决方案。

Leveraging the existing financial system to make living on bitcoin easier isn’t a fiat compromise. It’s progress. And meeting pre-coiners where they are, with a seamless on-ramp to bitcoin, is a good thing.

利用现有的金融系统使比特币生活更加轻松，这不是法定妥协。这是进步。与他们所处的前赛车会面，带有无缝的坡道到比特币是一件好事。

As Americans look for ways to defend their savings against inflation, wage stagnation, and the quiet erosion of purchasing power, a bitcoin rewards credit card offers a simple solution: upgrade a familiar tool and accumulate bitcoin without disrupting day-to-day life.

当美国人寻找捍卫自己的积蓄抵抗通货膨胀，工资停滞和安静购买能力的方法时，比特币奖励信用卡提供了一个简单的解决方案：升级熟悉的工具并积累了比特币而不会破坏日常生活。

Even if bitcoin merchant adoption became widespread in America, many would still choose to spend debased dollars and save in hard money. That preference only grows stronger as more people internalize bitcoin as their personal hurdle rate.

即使比特币商人的采用在美国广泛流传，许多人仍然会选择花钱贬值并节省辛苦的钱。随着越来越多的人将比特币作为个人障碍率，这种偏好只会变得更加强大。

So despite not being a bitcoin-native innovation, the upcoming Fold Credit Card is worth celebrating as if it were. Once launched, the first public bitcoin financial services company will have infiltrated the apex predator of payment methods—routing broken incentives toward bitcoin adoption.

因此，尽管不是比特币本地的创新，但即将到来的折叠信用卡还是值得庆祝的。推出后，第一家公共比特币金融服务公司将渗透到付款方式的最高捕食者，从而剥夺了对比特币采用的破坏激励措施。

And as bitcoin becomes normalized as pristine capital, it can continue to upgrade the system from the inside.

随着比特币作为原始资本的归一化，它可以继续从内部升级系统。

“Today, the best credit cards are only available to a limited set of consumers with high FICO scores, a system that reflects debt management. What happens when bitcoin ownership and activity can signal financial responsibility? Suddenly, a card that previously served 20% of the population could serve 50%.” —Will Reeves

“如今，最好的信用卡仅适用于有限的FICO分数的有限消费者，该系统反映了债务管理。 - 将是里夫斯

Beyond rewards

超越奖励

The Fold Credit Card won’t be the only credit card that earns bitcoin—but it will be the first one built into a comprehensive toolkit for personal finances powered by bitcoin. And that’s something special.

折叠信用卡将不会是唯一获得比特币的信用卡，但它将是第一个内置的信用卡，用于由比特币提供动力的个人理财的全面工具包。这很特别。

If you’re already saving in bitcoin, you’ve experienced the relief of not having to be an amateur investor to keep up with dollar debasement. You’ve eliminated the need to play those fiat games.

如果您已经节省了比特币，那么您就会感到不必成为业余投资者来跟上美元贬值的情况。您已经消除了玩这些菲亚特游戏的需要。

This relief is overlooked when comparing the upcoming Fold Credit Card with other options.

将即将到来的折叠信用卡与其他选项进行比较时，这种浮雕被忽略了。

Yes—you could juggle legacy cards to maximize cash back dollars and manually buy bitcoin at the end of the month.

是的 - 您可以兼顾遗留卡以最大化现金退款，并在本月底手动购买比特币。