中小型企业 (SME) 的比特币采用率不断增长

在 2024 年比特币阿姆斯特丹会议上，Relai 首席执行官 Julian Liniger 上台讨论了一个日益增长的趋势：中小企业（SME）采用比特币。

At the Bitcoin Amsterdam Conference 2024, Julian Liniger, CEO of Relai, took to the stage to discuss a growing trend: small and medium-sized enterprises (SMEs) adopting Bitcoin. Liniger shared his insights on how Bitcoin can serve as a strategic advantage for businesses of all sizes.

在 2024 年比特币阿姆斯特丹会议上，Relai 首席执行官 Julian Liniger 上台讨论了一个日益增长的趋势：中小企业（SME）采用比特币。 Liniger 分享了他对比特币如何成为各种规模企业的战略优势的见解。

Previously, discussions about Bitcoin focused mainly on individual and institutional investors. Recently, however, SMEs have begun to recognize Bitcoin’s potential, shifting from traditional cash reserves to Bitcoin as a treasury asset. Relai has already assisted in onboarding around 100 businesses, surprising even Liniger with the diversity of companies expressing interest in Bitcoin.

此前，有关比特币的讨论主要集中在个人和机构投资者。然而，最近中小企业开始认识到比特币的潜力，从传统的现金储备转向比特币作为库存资产。 Relai 已经协助约 100 家企业入驻，表达对比特币兴趣的公司数量之多，就连 Liniger 也感到惊讶。

Liniger stated that the primary reason businesses are turning to Bitcoin is its ability to preserve purchasing power. Unlike traditional currencies that lose value due to inflation, Bitcoin’s supply is capped, which allows for potential growth in value over time. He also noted that this trend isn’t limited to tech or financial companies.

Liniger 表示，企业转向比特币的主要原因是它能够保持购买力。与因通货膨胀而贬值的传统货币不同，比特币的供应是有限的，这使得随着时间的推移，其价值可能会增长。他还指出，这种趋势不仅限于科技或金融公司。

Craftsman’s company

工匠公司

The first category, according to Liniger, consists of small, hands-on businesses, often called “craftsman companies.” These include trades like carpentry, electrical work, and construction. Typically employing around 10 to 15 people, these businesses play essential roles in their communities.

根据 Liniger 的说法，第一类由小型实践型企业组成，通常被称为“工匠公司”。其中包括木工、电气工作和建筑等行业。这些企业通常雇用 10 到 15 名左右的员工，在其社区中发挥着重要作用。

Liniger pointed out that the owners of these companies frequently face challenges related to the diminishing value of cash. As inflation and other economic pressures make their savings feel less secure, many business owners start exploring alternative options to protect their wealth.

利尼格指出，这些公司的所有者经常面临与现金价值递减相关的挑战。由于通货膨胀和其他经济压力使他们的储蓄变得不那么安全，许多企业主开始探索其他选择来保护他们的财富。

This exploration often leads them to Bitcoin, which offers the potential for value preservation. Liniger noted that more than 40% of the businesses his organization has integrated into the Bitcoin ecosystem fall into this category, demonstrating a surprisingly broad adoption of Bitcoin beyond just the tech and finance sectors

这种探索往往会将他们引向比特币，因为比特币具有保值的潜力。 Liniger 指出，他的组织整合到比特币生态系统中的企业中有超过 40% 属于这一类，这表明比特币的采用范围令人惊讶，不仅限于科技和金融领域

Service-based businesses

以服务为基础的企业

The second category includes service and consulting firms, encompassing businesses like advisory services, software development companies, and design agencies. These firms, whether large or small, might not initially have any connection to Bitcoin.

第二类包括服务和咨询公司，包括咨询服务、软件开发公司和设计机构等企业。这些公司，无论大小，最初可能与比特币没有任何联系。

However, as their owners discover the personal benefits of Bitcoin—such as its value preservation and decentralized nature—they begin to adopt it for their companies. Liniger expressed confidence that this trend will continue, as entrepreneurs are typically open to new ideas and innovations.

然而，当他们的所有者发现比特币的个人好处（例如其保值性和去中心化性质）时，他们开始在自己的公司中采用它。 Liniger 表示相信这种趋势将持续下去，因为企业家通常对新想法和创新持开放态度。

This growing community of Bitcoin enthusiasts, particularly among business owners, fosters an environment that encourages further adoption and integration of Bitcoin into corporate practices.

这个不断壮大的比特币爱好者社区，尤其是企业主，营造了一个鼓励进一步采用比特币并将其融入企业实践的环境。

Real estate and commodity businesses

房地产和商品业务

The third category highlighted by Liniger includes companies involved in real estate and commodity trading. These businesses, already managing tangible assets like property, are increasingly looking to diversify their investments by incorporating Bitcoin.

Liniger 强调的第三类包括涉及房地产和大宗商品交易的公司。这些企业已经在管理房地产等有形资产，越来越多地寻求通过纳入比特币来实现投资多元化。

By reallocating some of their cash reserves and real estate holdings into Bitcoin, these companies aim to gain exposure to a digital asset with potential for appreciation. This strategic shift acknowledges Bitcoin’s value as an alternative investment, particularly amid a changing economic landscape.

通过将部分现金储备和房地产重新配置为比特币，这些公司的目标是获得具有升值潜力的数字资产。这一战略转变承认了比特币作为另类投资的价值，特别是在不断变化的经济形势下。

Liniger’s insights suggest that small, hands-on businesses, service and consulting firms, and companies in real estate and commodity trading are leading the way in Bitcoin adoption. This trend illustrates a broader acceptance of cryptocurrency across various industries. Entrepreneurs and business owners are increasingly leveraging Bitcoin as a solution to economic challenges.

Liniger 的见解表明，小型实践型企业、服务和咨询公司以及房地产和商品交易公司在比特币采用方面处于领先地位。这一趋势表明各个行业对加密货币的接受度越来越高。企业家和企业主越来越多地利用比特币作为应对经济挑战的解决方案。

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The growing integration of Bitcoin into these diverse business sectors signals a promising future for the cryptocurrency, as it becomes an integral part of the financial strategies of businesses across the board.

比特币越来越多地融入这些不同的商业领域，这标志着加密货币的前景光明，因为它已成为企业财务战略不可或缺的一部分。

Further case studies

进一步的案例研究

According to Liniger, these case studies highlight how his firm has integrated more businesses into Bitcoin. The first example involves a gold brokerage company in Europe. This company believes in “hard money,” viewing gold as a more reliable form of wealth compared to fiat money, which they trust less.

Liniger 表示，这些案例研究凸显了他的公司如何将更多业务整合到比特币中。第一个例子涉及欧洲的一家黄金经纪公司。该公司相信“硬通货”，认为黄金是一种比法定货币更可靠的财富形式，而他们对法定货币的信任度较低。

They share similarities with Bitcoin enthusiasts, valuing precious metals for reasons akin to why Bitcoiners value Bitcoin. This brokerage is purchasing $100,000 worth of Bitcoin monthly, totaling over a million dollars annually.

他们与比特币爱好者有相似之处，他们看重贵金属的原因与比特币爱好者看重比特币的原因类似。该经纪公司每月购买价值 10 万美元的比特币，每年总计超过 100 万美元。

Their goal is to diversify their investments by shifting some funds from gold to Bitcoin, which they see as an emerging digital asset. Liniger predicts that many other gold brokers may adopt this strategy in the coming decade.

他们的目标是通过将部分资金从黄金转移到比特币来实现投资多元化，他们认为比特币是一种新兴的数字资产。 Liniger 预测，未来十年许多其他黄金经纪商可能会采用这种策略。

The second example features a real estate company that owns about 40 to 50 buildings. This company buys and develops properties to rent. Like many real estate businesses, they maintain a financial reserve for each building to cover unexpected repairs or renovations.

第二个示例是一家拥有大约 40 到 50 栋建筑物的房地产公司。该公司购买和开发出租物业。与许多房地产企业一样，他们为每栋建筑保留财务储备，以应对意外的维修或翻新。

He noted that these businesses realized keeping their reserves in euros no longer made sense. Over time, the purchasing power of the euro can decrease significantly. Instead, one of their clients decided to invest this reserve in Bitcoin, buying between $10,000 and $50,000 worth of Bitcoin for each building.

他指出，这些企业意识到以欧元保留储备不再有意义。随着时间的推移，欧元的购买力可能会大幅下降。相反，他们的一位客户决定将这笔储备投资于比特币，为每栋建筑购买价值 10,000 至 50,000 美元的比特币。

This strategy ensures they have the necessary funds for repairs or renovations while also benefiting from the potential growth in Bitcoin’s value. Liniger points out that as the value of money has declined, so has the quality of buildings. By switching to a currency

这一策略确保他们拥有必要的资金进行维修或翻新，同时也受益于比特币价值的潜在增长。 Liniger 指出，随着货币价值的下降，建筑物的质量也在下降。通过切换到货币