肯尼亚的比特币[BTC]也飙升，即使在非正式定居点

这总结了BTC和Crypto的金融包容性用例，尤其是在银行访问较低的地区。

Bitcoin [BTC] adoption in Kenya has surged, even in informal settlements, with its traction now facing risk ahead of a key regulatory framework.

在肯尼亚的比特币[BTC]在非正式定居点中的采用也激增，其牵引力现在面临着关键监管框架之前的风险。

According to a recent ABC News report, select local merchants and community workers are now accepting BTC payments. When asked the reasons behind opting for Bitcoin, one grocery seller said,

根据最近的一份ABC新闻报告，当地商人和社区工作者现在正在接受BTC付款。当被问及选择比特币背后的原因时，一位杂货店卖家说

“I like it because it’s cheap, fast, and has no transaction costs.”

“我喜欢它，因为它便宜，快速并且没有交易成本。”

Another community worker helping with waste management added that he prefers BTC payments because it’s safer, citing the high crime rate in the slum.

另一位社区工作者帮助废物管理人员补充说，他更喜欢BTC付款，因为这更安全，理由是贫民窟的犯罪率很高。

This summarizes the BTC and crypto’s financial inclusion use case, especially in regions with low banking access.

这总结了BTC和Crypto的金融包容性用例，尤其是在银行访问较低的地区。

Unfortunately, this enthusiasm and growth may falter with a 1.5% crypto tax proposal in the Virtual Asset Service Providers (VASP) Bill 2025.

不幸的是，这种热情和增长可能会在虚拟资产服务提供商（VASP）第2025号法案中以1.5％的加密税税提案而动摇。

Will Kenya’s crypto bill affect BTC adoption?The bill, according to regulators, would offer the needed clarity in the sector that has seen an influx from global players like Binance, Bybit, and Bitget.

肯尼亚的加密法案会影响BTC的采用吗？根据监管机构的说法，该法案会在该行业提供所需的清晰度，这使Binance，Bybit和Bitget等全球参与者涌入。

However, the bill also slaps a flat 3% Digital Asset Tax (DAT) on all crypto transactions, regardless of whether you make a profit or loss.

但是，该法案还对所有加密交易打击了平坦的3％数字资产税（DAT），无论您是损益。

Though there has been a 50% tax cut proposal to 1.5% DAT, experts have cautioned that the levy could push traders offshore and stifle innovation, drawing parallels to India and Indonesia.

尽管已有50％的减税提案达到1.5％，但专家们警告说，征税可以将商人推向近海和扼杀创新，并使印度和印度尼西亚的相似之处。

In a CNBC interview, Rufas Kamau, Lead Market Analyst at a regional broker FXPesa,

在CNBC采访中，区域经纪人FXPESA的主要市场分析师Rufas Kamau，

“If you’re doing 10-20 trades daily and paying 3% on each transaction, you’ll make no money as the government will take nearly everything.”

“如果您每天进行10-20次交易，并且每笔交易支付3％，那么您将不会赚钱，因为政府几乎会付出一切。”

A similar 1% crypto tax in India saw trading volume drop by nearly 90%. In fact, Indian crypto industry players have reportedly reached out to regulators to cut the tax to 0.1% to boost the sector.

印度的1％加密税税的交易量下降了近90％。实际上，据报道，印度加密货币行业参与者已与监管机构伸出援手将税率降低到0.1％，以提高该行业。

The same fate may befall Kenya, a country boasting 6 million crypto users (10% of the population). According to Chainalysis’ crypto adoption index, Kenya is ranked 21st out of 155 countries, making it one of Africa’s largest BTC and crypto markets alongside Nigeria and South Africa.

肯尼亚的同样命运可能是拥有600万加密使用者（占人口10％）的国家。根据Chainalysis的“加密采用指数”，肯尼亚在155个国家中排名第21位，使其成为非洲最大的BTC和尼日利亚和南非的加密货币市场之一。

However, these users may opt for peer-to-peer (P2P) and unregistered offshore platforms if the 1.5%-3% tax is adopted. Besides, the hefty tax surpasses the local mobile payment, M-Pesa, which charges 0.04% to 1% of the total amount sent.

但是，如果采用1.5％-3％的税收，这些用户可能会选择点对点（P2P）和未注册的离岸平台。此外，大量税收超过了当地的移动付款M-PESA，该税收取了发送总额的0.04％至1％。

Bitcoin has offered Kenyans a safer, cheaper, and instant payment alternative. However, the country’s proposed crypto bill could affect its adoption.

比特币为肯尼亚人提供了更安全，更便宜和即时的付款替代方案。但是，该国提议的加密法案可能会影响其采用。