比特币，富裕的客户和加密钱包：投资的新时代？

探索富裕客户中比特币投资的不断发展的景观以及自我顾客加密钱包的兴起。这是金融的未来吗？

Bitcoin, Wealthy Clients, and Crypto Wallets: A New Era of Investing?

比特币，富裕的客户和加密钱包：投资的新时代？

Listen up, Wall Street! The game's changing faster than a New York minute. Bitcoin, once a fringe obsession, is now whispering sweet nothings in the ears of wealthy clients, and everyone's scrambling for the best crypto wallet. Let's break it down.

听，华尔街！比赛的变化比纽约分钟快。比特币曾经是一种流苏的迷恋，现在在富裕客户的耳朵里窃窃私语，每个人都在争先恐后地寻找最好的加密钱包。让我们分解。

Banks Get in the Game

银行进入游戏

Forget the days of banks turning their noses up at crypto. BBVA Switzerland is now advising private banking clients to allocate 3% to 7% of their portfolios to cryptocurrencies, primarily Bitcoin and Ethereum. That's right, folks. Your grandma's bank is now talking crypto! According to Philippe Meyer, Head of Digital & Blockchain Solutions at BBVA Switzerland, even a small allocation can boost portfolio performance without dramatically increasing risk. Who would have thought?

忘记银行在加密货币上扭转鼻子的日子。 BBVA瑞士现在建议私人银行客户将其投资组合的3％至7％分配给加密货币，主要是比特币和以太坊。是的，伙计们。您奶奶的银行现在正在谈论加密货币！根据BBVA瑞士数字和区块链解决方案负责人Philippe Meyer的说法，即使是少量分配也可以提高投资组合的性能而不会大大增加风险。谁会想到？

The Case for Crypto Allocation

加密分配的情况

Why the sudden change of heart? Bitcoin is increasingly viewed as a non-correlated asset, meaning it can help protect against those pesky macroeconomic fluctuations. Ethereum, on the other hand, is valued for its utility in smart contracts, DeFi, and the ever-expanding token economy. Plus, with regulatory landscapes stabilizing and market sentiment recovering, the timing couldn't be better.

为什么突然改变心？比特币越来越被视为一种无关的资产，这意味着它可以帮助防止那些讨厌的宏观经济波动。另一方面，以太坊因其在智能合约，DEFI和不断扩大的代币经济方面的效用而受到重视。另外，随着监管景观的稳定和市场情绪的恢复，时机再好不过了。

Self-Custody vs. Bank Custody: You've Got Options

自我客户与银行监护权：您有选择

BBVA offers bank-managed custody services, which is great for those who want a hands-off approach. But don't sleep on self-custody. Especially if you're dedicating a significant chunk of your portfolio to crypto, taking control with your own wallet gives you autonomy and security. And speaking of wallets...

BBVA提供由银行管理的监护权服务，这对于那些希望采用放手的人来说非常有用。但是不要睡在自我顾客上。尤其是如果您将大部分投资组合用于加密货币，那么用自己的钱包来控制您的自主权和安全。谈到钱包...

The Rise of Self-Custody Wallets

自我客户钱包的兴起

As regulatory clarity improves globally, demand for decentralized, self-custody wallet solutions is exploding. Investors want full control over their crypto finances, and they want it now. Wallets like Best Wallet are leading the charge, offering users the ability to store, stake, and trade assets without the hassle of KYC identification. Plus, with features like Fireblocks insurance and on-ramp facilities for buying crypto with fiat, it's easier than ever to jump in.

随着法规清晰度在全球范围内提高，对分散的自我顾客钱包解决方案的需求正在爆炸。投资者希望完全控制其加密货币财务，他们现在想要它。像Best Wallet这样的钱包正在领导收费，使用户能够在不麻烦KYC识别的情况下存储，股权和贸易资产。另外，具有诸如Fireblocks Insurance和Ramp设施之类的功能，用于购买加密货币，因此比以往任何时候都更容易加入。

Bitcoin ETFs: The Easy Button for Crypto Exposure

比特币ETF：加密货币的简单按钮

Want Bitcoin exposure without the technical headaches? Bitcoin ETFs like the ARK 21Shares Bitcoin ETF (ARKB) are becoming increasingly popular. They're easier to manage than direct crypto ownership and can even be used for tax-loss harvesting (consult your accountant, of course!). While there are several options, each with its own quirks, they all essentially track the price of Bitcoin. It's like owning Bitcoin, but with training wheels.

是否需要没有技术头痛的情况下的比特币曝光？像ARK 21Shares比特币ETF（ARKB）这样的比特币ETF变得越来越流行。它们比直接加密所有权更容易管理，甚至可以用于减税收获（当然请咨询您的会计师！）。尽管有几种选择，每个选项都有自己的怪癖，但它们本质上都跟踪比特币的价格。这就像拥有比特币，但带有训练轮。

A Word of Caution (and a Bit of Hype)

一个谨慎的话（有点炒作）

Of course, not everyone's convinced. Warren Buffett famously wouldn't buy all the Bitcoin in the world for $25, seeing it as a temporary fad. But hey, he also wasn't a big fan of gold! Ultimately, whether you're a crypto bull or a skeptic, it's hard to ignore the growing institutional interest and the increasing accessibility of Bitcoin. Even Xaman, a crypto wallet for XRP ledger, is experiencing temporary outages due to increased demand and user activity. The numbers don't lie!

当然，并不是每个人都相信。沃伦·巴菲特（Warren Buffett）以25美元的价格购买了世界上所有的比特币，将其视为临时时尚。但是，嘿，他也不是黄金的忠实拥护者！最终，无论您是加密公牛还是怀疑论者，都很难忽略日益增长的制度利益和比特币的可及性。即使是XRP Ledger的加密钱包Xaman，由于需求和用户活动的增加，也正在经历暂时的中断。数字不撒谎！

So, What's the Takeaway?

那么，收获是什么？

Bitcoin is no longer a niche investment. It's entering the mainstream, attracting wealthy clients and driving innovation in crypto wallets. Whether you choose to invest through a bank, a self-custody wallet, or an ETF, the opportunity is there. Just remember to do your research, manage your risk, and maybe, just maybe, you'll be laughing all the way to the crypto bank. And remember folks, always keep an eye on those keys!

比特币不再是利基投资。它进入主流，吸引富裕的客户并在加密钱包中推动创新。无论您选择通过银行投资，自我顾客钱包还是ETF，都有机会。请记住要进行研究，管理风险，也许，也许，您将一直笑到加密银行。并记住人们，请始终关注这些钥匙！