德国银行，加密货币交易和FOMO：一个新时代？

在客户需求和监管变化的推动下，德国银行正在加热加密交易。 FOMO踢了吗？让我们潜水。

German Banks, Crypto Trading, and FOMO: A New Era?

德国银行，加密货币交易和FOMO：一个新时代？

The winds are shifting in the world of German finance! Sparkassen-Finanzgruppe, a major German banking group, is planning to offer crypto trading services to its 50 million+ customers by 2026. Are German banks finally embracing crypto, or is it just a case of FOMO (Fear Of Missing Out)?

在德国金融世界中，风正在发生变化！德国主要银行集团Sparkassen-Finanzgruppe计划到2026年向其5000万+客户提供加密货币交易服务。德国银行终于拥抱了加密货币，还是只是FOMO的一个案例（担心会错过）？

The Sparkassen Shift: A Sign of the Times?

Sparkassen Shift：时代的标志？

For years, Sparkassen executives were skeptical of crypto, citing volatility and risk. They even blocked crypto purchases back in 2015. Now, they're partnering with Dekabank to provide crypto trading through their app. This is a big deal, signaling a potential change in how traditional financial institutions view digital assets. The German Savings Banks Association (DSGV) acknowledges that this move responds to existing demand and aligns with the EU's MiCA regulatory framework.

多年来，Sparkassen高管以波动性和风险为由对加密货币表示怀疑。他们甚至在2015年封锁了加密货币的购买。现在，他们与DeKabank合作，通过其应用程序提供加密货币交易。这很重要，这表明传统金融机构如何看待数字资产的潜在变化。德国储蓄银行协会（DSGV）承认，这一举动对现有需求做出了响应，并与欧盟的云母监管框架保持一致。

Germany's Crypto Inroads: Sparkassen Isn't Alone

德国的加密货币：Sparkassen并不孤单

Sparkassen isn't the only German bank exploring crypto. DZ Bank, Germany’s second-largest financial institution, partnered with Boerse Stuttgart Digital for a crypto service pilot in September 2024. Landesbank Baden-Württemberg also announced crypto custody solutions for institutional clients. The trend is clear: German banks are cautiously entering the crypto space.

Sparkassen并不是唯一的德国银行探索加密货币。德国第二大金融机构DZ银行于2024年9月与Boerse Stuttgart Digital合作，为加密服务飞行员合作。LandesbankBaden-Württemberg还宣布了针对机构客户的Crypto监护解决方案。趋势很明显：德国银行正谨慎地进入加密货币空间。

Is It FOMO? Or Strategic Adaptation?

是FOMO吗？还是战略适应？

Is this a case of FOMO? Possibly. Crypto venture capitalist Kyle Chasse noted that “banks are catching up.” Eric Trump even speculated that banks might become extinct within 10 years if they don't embrace crypto. Messari CEO Eric Turner and Sygnum Bank’s Thomas Eichenberger predict even deeper integration by 2025, driven by regulatory acceptance. This suggests that banks recognize the potential of crypto and don't want to be left behind.

这是FOMO的情况吗？可能。 Crypto Venture资本家Kyle Chasse指出，“银行正在赶上。”埃里克·特朗普（Eric Trump）甚至推测，如果银行不接受加密货币，银行可能会在10年内灭绝。 Messari首席执行官Eric Turner和Sygnum Bank的Thomas Eichenberger预测，到2025年，由监管接受驱动。这表明银行认识到加密的潜力，不想被抛在后面。

However, it's not just FOMO. The regulatory landscape is becoming clearer, with MiCA providing a framework for crypto assets. This gives banks more confidence to enter the space. Also, there's a growing demand from customers for crypto services. Banks are simply responding to market forces.

但是，这不仅仅是FOMO。监管格局变得越来越清晰，云母为加密资产提供了框架。这使银行更有信心进入该空间。此外，客户对加密服务的需求不断增长。银行只是对市场力量做出回应。

Beyond Bitcoin: Altcoins and Presales Gain Traction

超越比特币：AltCoins和Presales获得牵引力

While Bitcoin remains a dominant force, investors are increasingly looking at altcoins for higher potential returns. This is reflected in the Bitcoin dominance index dipping below crucial support levels. Structured presales, like that of Neo Pepe Coin ($NEOP), are gaining popularity. These presales offer transparency, gamification, and adherence to regulatory standards, attracting serious capital.

尽管比特币仍然是主要力量，但投资者越来越多地寻找山寨币寻求更高的潜在回报。这反映在比特币优势指数下降到关键支持水平以下。结构化的预售，例如Neo Pepe Coin（$ neop），它变得越来越受欢迎。这些预售提供了透明，游戏化和遵守监管标准，吸引了严重的资本。

Mastercard and Chainlink: Bridging Traditional and Decentralized Finance

万事达卡和连锁链接：桥接传统和分散的金融

Mastercard's partnership with Chainlink further blurs the lines between traditional and decentralized finance. This collaboration enables Mastercard's nearly 3 billion cardholders to purchase crypto assets directly on the blockchain. This move improves accessibility and integrates traditional payment infrastructure with blockchain technology.

万事达卡与ChainLink的合作伙伴关系进一步掩盖了传统和分散财务之间的界限。这项合作使万事达卡的近30亿持卡人能够直接在区块链上购买加密资产。此举改善了可访问性，并将传统的支付基础架构与区块链技术相结合。

The Bottom Line

底线

German banks are cautiously entering the crypto space, driven by customer demand, regulatory changes, and a desire to avoid being left behind. While there's an element of FOMO, it's also a strategic adaptation to the evolving financial landscape. With structured presales and partnerships like Mastercard and Chainlink gaining traction, the future of finance looks increasingly decentralized. So, buckle up, folks! It's gonna be a wild ride, but one thing's for sure: the old ways of finance are changing, and crypto is playing a bigger role than ever. Who knows, maybe your Oma will be trading crypto on her Sparkassen app soon!

德国银行在客户需求，监管变化以及避免被抛弃的愿望的驱动下谨慎地进入加密货币空间。尽管有FOMO的要素，但它也是对不断发展的金融景观的战略改编。随着诸如万事达卡和Chainlink等结构化的预售和合作伙伴关系，财务的未来看起来越来越分散。所以，搭扣，伙计们！这将是一个疯狂的旅程，但可以肯定的是：旧的财务方式正在发生变化，而加密货币的角色比以往任何时候都更大。谁知道，也许您的OMA很快就会在她的Sparkassen应用程序上交易加密货币！