根据国际定居银行（BIS）的最新报告

根据国际定居银行（BIS）的最新报告，全球跨境的跨境加密货币支付主要由投机投资驱动。

The Bank for International Settlements (BIS) has revealed that cross-border cryptocurrency payments, largely driven by speculative investment, amounted to approximately $600 billion during the second quarter of 2024.

国际定居银行（BIS）透露，跨境加密货币支付在很大程度上是由投机投资驱动的，在2024年第二季度，约为6000亿美元。

The study, titled "Cross-Border Payments: Recent Trends and the Role of Native Crypto Assets," was published on Monday and focused on the two largest cryptocurrencies, Bitcoin (BTC) and Ether (ETH), along with the two leading stablecoins, USDt (USDT) and USDC (USDC).

该研究的标题为“跨境支付：最新趋势和本地加密资产的作用”，于周一发表，重点介绍了两种最大的加密货币，比特币（BTC）和Ether（ETH），以及两个领先的Stablecoins，USDT（USDT）和USDC（USDC（USDC））。

The researchers observed that the U.S. and the U.K. collectively accounted for 20% of cross-border payments using Bitcoin and USDC, and nearly 30% of those using ETH. Notably, Russia and Turkey together contributed over 12% of the cross-border transactions in USDT, the world's largest stablecoin.

研究人员观察到，美国和英国使用比特币和USDC共同占跨境支付的20％，而使用ETH的人中有近30％。值得注意的是，俄罗斯和土耳其共同贡献了全球最大的Stablecoin USDT跨境交易的12％以上。

The analysis also found that stablecoins and low-value Bitcoin transactions were frequently driven by practical use cases, especially as alternatives to traditional remittances.

该分析还发现，稳定的固霉素和低价值比特币交易经常受实际用例驱动，尤其是作为传统汇款的替代方案。

“Higher opportunity costs of fiat currency usage, such as high inflation, spur bilateral cross-border transactions in both unbacked cryptoassets and stablecoins,” the BIS stated.

BIS说：“法定货币使用的较高机会成本，例如通货膨胀高，刺激双边跨境交易，在未经后面的加密货币和稳定的情况下。”

Moreover, the researchers pointed out that geographical barriers had less influence on cryptocurrency transactions compared with traditional financial systems. This observation was attributed to the decentralized nature of cryptocurrencies and their less-pronounced dependence on specific national or regional factors.

此外，研究人员指出，与传统金融系统相比，地理障碍对加密货币交易的影响较小。该观察结果归因于加密货币的分散性及其对特定国家或区域因素的依赖性较低。

The findings come nearly a month after the BIS warned that the number of investors and capital in crypto and decentralized finance (DeFi) had “reached a critical mass,” posing a threat to financial stability and global wealth inequality.

这些发现是在BIS警告Crypto和分散财务（DEFI）的投资者和资本的数量“达到了关键群众”之后的将近一个月。

The observations by the central bank also come amid a period of heightened scrutiny on the cryptocurrency industry, particularly in light of the bankruptcies of major firms like FTX and the subsequent market downturn.

中央银行的观察结果也在对加密货币行业进行了高度审查之际，特别是鉴于FTX等主要公司的破产和随后的市场低迷。