尼日利亚领先$ 125B Web3，Defi和Stablecoin繁荣

撒哈拉以南非洲的加密货币，BITCON（BTC）和稳定的硬币采用正在稳步上升，尼日利亚领导了一个地区，该地区数字资产正在重塑融资，贸易和创新，这是由于货币不稳定和有限的银行业务访问所在。

Crypto, Bitcon (BTC) and Stable coin adoption in Sub-Saharan Africa is rising steadily, with Nigeria leading a region where digital assets are reshaping finance, trade, and innovation amid currency instability and limited banking access.

撒哈拉以南非洲的加密货币，BITCON（BTC）和稳定的硬币采用正在稳步上升，尼日利亚领导了一个地区，该地区数字资产正在重塑融资，贸易和创新，这是由于货币不稳定和有限的银行业务访问所在。

A $125 Billion Digital Economy, and Growing

1250亿美元的数字经济和增长

Sub-Saharan Africa now holds approximately $125 billion in on-chain crypto value, marking a $7.5 billion increase over the past year. While the overall growth remains modest, the region is solidifying its place as a hotbed for crypto adoption—and Nigeria stands at the forefront.

撒哈拉以南非洲现在拥有约1,250亿美元的链加密价值，比过去一年增长了75亿美元。尽管整体增长仍然适中，但该地区正在巩固其作为加密货币采用的温床的位置，而尼日利亚则站在前沿。

With nearly one-third of its population actively using cryptocurrencies, Nigeria is both a continental and global leader in digital asset transactions. Several key factors are driving this shift. The Nigerian naira has suffered repeated devaluations, and local banking restrictions have made access to traditional financial services difficult.

尼日利亚有近三分之一的人口积极使用加密货币，既是数字资产交易的大陆和全球领导者。几个关键因素是推动这一转变。尼日利亚的奈拉遭受了反复的贬值，当地的银行业务限制使得对传统金融服务获得了困难。

These challenges have pushed individuals and businesses toward cryptocurrencies, especially stablecoins like USD Coin (USDC) and Tether (USDT), which are pegged to the U.S. dollar. In a region where access to dollars is limited and national currencies are volatile, stablecoins now account for roughly 43% of all crypto transactions.

这些挑战将个人和企业推向了加密货币，尤其是USD Coin（USDC）和Tether（USDT）等稳定币，它们固定在美元上。在一个有限且国家货币易波动的地区，Stablecoins现在约占所有加密交易的43％。

These digital assets serve as a more stable store of value and an efficient way to conduct cross-border trade and international remittances. In Nigeria, they also provide a vital hedge against inflation and currency depreciation while offering a cost-effective alternative to conventional banking.

这些数字资产是一种更稳定的价值存储，也是进行跨境贸易和国际汇款的有效方法。在尼日利亚，他们还为通货膨胀和货币贬值提供了至关重要的对冲，同时提供了一种经济有效的替代常规银行业务的替代品。

Decentralized Finance Filling the Access Gap

分散的金融填补访问差距

The broader rise of crypto in Sub-Saharan Africa is closely tied to the lack of widespread financial infrastructure. According to the World Bank, fewer than half of adults in the region had access to a bank account as of 2021.

撒哈拉以南非洲加密货币的更广泛兴起与缺乏广泛的金融基础设施密切相关。根据世界银行的数据，截至2021年，该地区只有不到一半的成年人可以使用银行帐户。

This financial exclusion has accelerated interest in decentralized finance (DeFi)—a blockchain-based alternative to traditional services like savings, loans, and currency exchanges. Built primarily on Ethereum, DeFi has gained strong traction, enabling millions of unbanked users to access tools that were previously out of reach.

这种金融排斥已加快了对分散财务（DEFI）的兴趣，这是基于区块链的替代方案，例如储蓄，贷款和货币交易所等传统服务。 Defi主要基于以太坊，获得了强烈的吸引力，使数百万未银行的用户能够访问以前无法触及的工具。

The region’s growing crypto ecosystem is reflected in global rankings: Nigeria ranks second worldwide in crypto adoption, followed by Ethiopia (26th), Kenya (28th), and South Africa (30th), according to the Global Crypto Adoption Index.

该地区日益增长的加密生态系统反映在全球排名中：尼日利亚在加密采用中排名全球第二，其次是埃塞俄比亚（第26位），肯尼亚（28）和南非（第30位）。

Developers, Startups, and Global Trade

开发商，初创企业和全球贸易

Digital assets are also playing a critical role in empowering entrepreneurs and small businesses. Where traditional international transactions can be slow and costly, platforms like Binance have transformed cross-border trade into a fast, low-cost process. This has made crypto a practical tool for local firms to scale their operations and participate in the global economy.

数字资产在赋予企业家和小型企业权力方面也起着至关重要的作用。在传统的国际交易可能会缓慢而昂贵的地方，诸如Binance之类的平台将跨境贸易转变为快速，低成本的过程。这使加密货币成为当地公司扩展其运营并参与全球经济的实用工具。

On the innovation front, Nigeria has emerged as Africa’s most active Web3 development hub. A recent report by Hashed Emergent, a venture firm supporting Web3 adoption in emerging markets, found that Nigeria accounted for 4% of all new Web3 developers globally in 2024—the highest from any African nation. The country’s developer base grew by 28% year over year, reaching 1.1 million.

在创新方面，尼日利亚已成为非洲最活跃的Web3开发中心。 Hashed Emperent的最新报告是一家支持Web3在新兴市场中采用的风险投资公司，发现尼日利亚在2024年全球所有新的Web3开发商占全球所有新的Web3开发商的4％，这是任何非洲国家最高的。该国的开发商群同比增长28％，达到110万。

This rapid growth reflects a broader wave of grassroots innovation, particularly in blockchain applications across the financial and public sectors. Nigeria’s rising talent pool and active startup ecosystem signal its potential to become a global Web3 powerhouse.

这种快速增长反映了基层创新的广泛浪潮，尤其是在整个财务和公共部门的区块链应用中。尼日利亚不断上升的人才库和活跃的创业生态系统表明其成为全球Web3强国的潜力。

Regulatory Progress and Ongoing Risks

监管进展和持续风险

Efforts to provide regulatory clarity are underway. Two Nigerian crypto firms—Quidax and Busha—have secured provisional licenses under the SEC’s Accelerated Regulatory Incubation Programme (ARIP), launched in mid-2024. At a workshop in December, the SEC indicated plans to accelerate the licensing process in 2025.

提供法规清晰度的努力正在进行中。根据SEC的加速监管孵化计划（ARIP），两家尼日利亚加密公司（Quidax和Busha）获得了临时许可，该许可在2024年中期启动。在12月的一个研讨会上，SEC指出了计划在2025年加速许可过程的计划。

Despite these steps, uncertainty still looms. The absence of a comprehensive regulatory framework has left users and investors vulnerable. Centralized exchanges remain a risk, where a single misstep could lead to significant losses. Peer-to-peer (P2P) transfers also carry potential dangers, especially for new users unfamiliar with blockchain networks or how to minimize transaction fees.

尽管有这些步骤，但不确定性仍然隐约可见。缺乏全面的监管框架使用户和投资者脆弱。集中交流仍然是一个风险，单一失误可能导致巨大的损失。点对点（P2P）的转移也带来潜在的危险，特别是对于不熟悉区块链网络的新用户或如何最大程度地减少交易费用。

Nigeria’s Bitcoin Mining Opportunity

尼日利亚的比特币采矿机会

Now, attention is turning toward Bitcoin mining, where the financial upside is substantial. At current BTC prices climbing above $100K again this week, capturing just 1% of the global mining hash rate could generate over $350-400 million annually.

现在，注意力转向比特币采矿，那里的财务上升空间很大。在目前的BTC价格本周再次攀升至$ 10万美元以上，每年仅捕获1％的全球采矿哈希税率可能会产生超过3.50亿美元的$ 3.50亿美元。

While no African nation currently ranks among top global miners, Nigeria holds a key advantage: underutilized natural gas reserves. Much of this energy is flared and wasted, but if redirected toward mining, it could power a scalable, revenue-generating infrastructure.

尽管目前没有非洲国家在全球矿工中排名最高，但尼日利亚拥有一个关键优势：未充分利用的天然气储量。这种能量的大部分是爆发和浪费的，但是如果将其重定向到采矿，它可能会为基础设施提供可扩展的，创收的基础设施。

With rising global interest, supportive policies and investment in energy infrastructure could position Nigeria as Africa’s first major Bitcoin mining hub—transforming gas into digital gold.

随着全球兴趣的上升，支持性政策和对能源基础设施的投资可以将尼日利亚定位为非洲第一个主要的比特币矿业中心，将天然气转化为数字黄金。