{"id":399299,"date":"2025-02-13T13:23:14","date_gmt":"2025-02-13T05:23:14","guid":{"rendered":"https:\/\/www.blocktempo.com\/?p=399299"},"modified":"2025-02-13T12:30:55","modified_gmt":"2025-02-13T04:30:55","slug":"the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy","status":"publish","type":"post","link":"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/","title":{"rendered":"\u6df1\u5ea6\u5831\u544a\uff1a\u52a0\u5bc6\u8ca8\u5e63\uff06\u7a69\u5b9a\u5e63\u5728\u975e\u6d32\u6578\u4f4d\u7d93\u6fdf\u4e2d\u7684\u6f5b\u529b\u8207\u767c\u5c55"},"content":{"rendered":"<p class=\"intro_quote\">\u975e\u6d32\u6b63\u8fce\u6765\u6578\u4f4d\u7d93\u6fdf\u7684\u9ec4\u91d1\u767c\u5c55\u671f\u3002\u5f9e\u79fb\u52d5\u652f\u4ed8\u3001\u96fb\u5b50\u5546\u52d9\u5230\u7a33\u5b9a\u5e63\u7684\u8208\u8d77\uff0c\u6578\u4f4d\u6280\u8853\u6b63\u5728\u63a8\u52d5\u6574\u500b\u5927\u9678\u7684\u7d93\u6fdf\u8b8a\u9769\u3002\u672c\u5831\u544a\u5c07\u6df1\u5165\u63a2\u8a0e\u975e\u6d32\u6578\u4f4d\u7d93\u6fdf\u7684\u73fe\u72c0\u3001\u6311\u6230\u53ca\u672a\u6765\u589e\u9577\u6f5c\u529b\uff0c\u89e3\u6790\u91d1\u878d\u79d1\u6280\u3001\u8de8\u5883\u8cbf\u6613\u53ca\u666e\u60e0\u91d1\u878d\u7b49\u95dc\u952e\u9886\u57df\u7684\u767c\u5c55\u8da8\u52e2\u3002<br \/>\n\uff08\u524d\u60c5\u63d0\u8981\uff1a<span style=\"color: #ff6600;\"><a style=\"color: #ff6600;\" href=\"https:\/\/www.blocktempo.com\/valr-exchange-attended-taipei-blockchain-week\/\" target=\"_blank\" rel=\"noopener\">VALR\u5a01\u6a02\u53c3\u8207\u53f0\u5317\u5340\u584a\u93c8\u9031TBW\uff0c\u884c\u92b7\u9577\u8ac7\u4e9e\u6d32\u8207\u975e\u6d32Web3\u6f5b\u529b<\/a> <\/span>\uff09<br \/>\n\uff08\u80cc\u666f\u88dc\u5145\uff1a<span style=\"color: #ff6600;\"><a style=\"color: #ff6600;\" href=\"https:\/\/www.blocktempo.com\/stablecoins-growth-is-huge-in-2024\/\" target=\"_blank\" rel=\"noopener\">\u65b9\u821f\u5831\u544a\uff1a2024\u5e74\u7a69\u5b9a\u5e63\u4ea4\u6613\u91cf\u885d\u783415\u5146\u7f8e\u5143\uff0c\u8d85\u8d8a\u652f\u4ed8\u5de8\u982dVisa\u548c\u842c\u4e8b\u9054\u5361<\/a><\/span> \uff09<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_46 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">\u672c\u6587\u76ee\u9304<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"ez-toc-toggle-icon-1\"><label for=\"item-67ae3570478c7\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-67ae3570478c7\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#1_%E7%B0%A1%E4%BB%8B\" title=\"1. \u7c21\u4ecb\">1. \u7c21\u4ecb<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#11_%E9%9D%9E%E6%B4%B2%E7%9A%84%E6%95%B8%E4%BD%8D%E7%B6%93%E6%BF%9F\" title=\"1.1 \u975e\u6d32\u7684\u6578\u4f4d\u7d93\u6fdf\">1.1 \u975e\u6d32\u7684\u6578\u4f4d\u7d93\u6fdf<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#12_%E7%A9%A9%E5%AE%9A%E5%B9%A3\" title=\"1.2 \u7a69\u5b9a\u5e63\">1.2 \u7a69\u5b9a\u5e63<\/a><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#121_%E9%9D%9E%E6%B4%B2%E7%9A%84%E7%A9%A9%E5%AE%9A%E5%B9%A3%E5%B8%82%E5%A0%B4\" title=\"1.2.1 \u975e\u6d32\u7684\u7a69\u5b9a\u5e63\u5e02\u5834\">1.2.1 \u975e\u6d32\u7684\u7a69\u5b9a\u5e63\u5e02\u5834<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#122_%E9%9D%9E%E6%B4%B2%E7%9A%84%E7%A9%A9%E5%AE%9A%E5%B9%A3%E6%87%89%E7%94%A8\" title=\"1.2.2 \u975e\u6d32\u7684\u7a69\u5b9a\u5e63\u61c9\u7528\">1.2.2 \u975e\u6d32\u7684\u7a69\u5b9a\u5e63\u61c9\u7528<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#123_%E9%9D%9E%E6%B4%B2%E4%B8%BB%E8%A6%81%E7%A9%A9%E5%AE%9A%E5%B9%A3\" title=\"1.2.3 \u975e\u6d32\u4e3b\u8981\u7a69\u5b9a\u5e63\">1.2.3 \u975e\u6d32\u4e3b\u8981\u7a69\u5b9a\u5e63<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#124_%E5%9C%B0%E5%8D%80%E5%B7%AE%E7%95%B0\" title=\"1.2.4 \u5730\u5340\u5dee\u7570\">1.2.4 \u5730\u5340\u5dee\u7570<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#125_%E5%A2%9E%E9%95%B7%E5%89%8D%E6%99%AF\" title=\"1.2.5 \u589e\u9577\u524d\u666f\">1.2.5 \u589e\u9577\u524d\u666f<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#2_%E7%A9%A9%E5%AE%9A%E5%B9%A3%E5%A6%82%E4%BD%95%E5%8A%A9%E5%8A%9B%E9%9D%9E%E6%B4%B2%E6%95%B8%E4%BD%8D%E7%B6%93%E6%BF%9F\" title=\"2. \u7a69\u5b9a\u5e63\u5982\u4f55\u52a9\u529b\u975e\u6d32\u6578\u4f4d\u7d93\u6fdf\">2. \u7a69\u5b9a\u5e63\u5982\u4f55\u52a9\u529b\u975e\u6d32\u6578\u4f4d\u7d93\u6fdf<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#3_%E7%A9%A9%E5%AE%9A%E5%B9%A3%E6%8E%A1%E7%94%A8%E9%9D%A2%E8%87%A8%E7%9A%84%E6%8C%91%E6%88%B0\" title=\"3. \u7a69\u5b9a\u5e63\u63a1\u7528\u9762\u81e8\u7684\u6311\u6230\">3. \u7a69\u5b9a\u5e63\u63a1\u7528\u9762\u81e8\u7684\u6311\u6230<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#%C2%B7_%E7%9B%A3%E7%AE%A1%E8%88%87%E5%90%88%E8%A6%8F\" title=\"\u00b7 \u76e3\u7ba1\u8207\u5408\u898f:\">\u00b7 \u76e3\u7ba1\u8207\u5408\u898f:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#%E3%83%BB%E6%9C%89%E9%99%90%E7%9A%84%E5%9F%BA%E7%A4%8E%E8%A8%AD%E6%96%BD\" title=\"\u30fb\u6709\u9650\u7684\u57fa\u790e\u8a2d\u65bd:\">\u30fb\u6709\u9650\u7684\u57fa\u790e\u8a2d\u65bd:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#%E3%83%BB%E7%A4%BE%E6%9C%83%E9%97%9C%E5%88%87%E5%8F%8A%E6%95%99%E8%82%B2\" title=\"\u30fb\u793e\u6703\u95dc\u5207\u53ca\u6559\u80b2:\">\u30fb\u793e\u6703\u95dc\u5207\u53ca\u6559\u80b2:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#4_%E6%A1%88%E4%BE%8B%E7%A0%94%E7%A9%B6\" title=\"4. \u6848\u4f8b\u7814\u7a76\">4. \u6848\u4f8b\u7814\u7a76<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#%C2%B7_AZA_Finance\" title=\"\u00b7 AZA Finance\">\u00b7 AZA Finance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#%E3%83%BB%E6%9C%AA%E4%BE%86%E5%B1%95%E6%9C%9B\" title=\"\u30fb\u672a\u4f86\u5c55\u671b\">\u30fb\u672a\u4f86\u5c55\u671b<\/a><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#1_%E8%91%97%E9%87%8D%E6%8F%90%E5%8D%87%E9%87%91%E8%9E%8D%E5%9F%BA%E7%A4%8E%E8%A8%AD%E6%96%BD\" title=\"1. \u8457\u91cd\u63d0\u5347\u91d1\u878d\u57fa\u790e\u8a2d\u65bd\">1. \u8457\u91cd\u63d0\u5347\u91d1\u878d\u57fa\u790e\u8a2d\u65bd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#2_%E6%8E%A8%E5%8B%95%E6%94%BF%E7%AD%96%E5%92%8C%E7%9B%A3%E7%AE%A1%E6%A1%86%E6%9E%B6%E7%9A%84%E5%AE%8C%E5%96%84\" title=\"2. \u63a8\u52d5\u653f\u7b56\u548c\u76e3\u7ba1\u6846\u67b6\u7684\u5b8c\u5584\">2. \u63a8\u52d5\u653f\u7b56\u548c\u76e3\u7ba1\u6846\u67b6\u7684\u5b8c\u5584<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#3_%E6%8F%90%E5%8D%87%E5%85%AC%E7%9C%BE%E5%92%8C%E4%BC%81%E6%A5%AD%E5%B0%8D%E7%A9%A9%E5%AE%9A%E5%B9%A3%E7%9A%84%E8%AA%8D%E7%9F%A5%E8%88%87%E6%8E%A5%E5%8F%97%E5%BA%A6\" title=\"3. \u63d0\u5347\u516c\u773e\u548c\u4f01\u696d\u5c0d\u7a69\u5b9a\u5e63\u7684\u8a8d\u77e5\u8207\u63a5\u53d7\u5ea6\">3. \u63d0\u5347\u516c\u773e\u548c\u4f01\u696d\u5c0d\u7a69\u5b9a\u5e63\u7684\u8a8d\u77e5\u8207\u63a5\u53d7\u5ea6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.blocktempo.com\/the-role-and-opportunities-of-crypto-stablecoins-in-africas-digital-economy\/#4_%E5%8A%A0%E5%BC%B7%E5%90%88%E4%BD%9C%EF%BC%8C%E5%BB%BA%E7%AB%8B%E5%BC%B7%E6%9C%89%E5%8A%9B%E7%9A%84%E5%90%88%E4%BD%9C%E4%BC%99%E4%BC%B4%E9%97%9C%E4%BF%82\" title=\"4. \u52a0\u5f37\u5408\u4f5c\uff0c\u5efa\u7acb\u5f37\u6709\u529b\u7684\u5408\u4f5c\u4f19\u4f34\u95dc\u4fc2\">4. \u52a0\u5f37\u5408\u4f5c\uff0c\u5efa\u7acb\u5f37\u6709\u529b\u7684\u5408\u4f5c\u4f19\u4f34\u95dc\u4fc2<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_%E7%B0%A1%E4%BB%8B\"><\/span>1. \u7c21\u4ecb<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h4><span class=\"ez-toc-section\" id=\"11_%E9%9D%9E%E6%B4%B2%E7%9A%84%E6%95%B8%E4%BD%8D%E7%B6%93%E6%BF%9F\"><\/span>1.1 \u975e\u6d32\u7684\u6578\u4f4d\u7d93\u6fdf<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span class=\"dropcap \" style=\"background-color: #ffffff; color: #000000; border-color: #ffffff;\">\u96a8<\/span>\u8457\u5168\u7403\u6578\u4f4d\u7d93\u6fdf\u7684\u8fc5\u731b\u767c\u5c55\uff0c\u975e\u6d32\u6b63\u8655\u65bc\u4ee5\u6578\u4f4d\u7d93\u6fdf\u63a8\u52d5\u7d93\u6fdf\u8f49\u578b\u4ee5\u53ca\u53ef\u6301\u7e8c\u767c\u5c55\u7684\u5341\u5b57\u8def\u53e3\u3002\u975e\u6d32\u7e3d\u9762\u7a4d\u8d85\u904e 3000 \u842c\u5e73\u65b9\u516c\u91cc\uff0c\u622a\u6b62 2022 \u5e74\uff0c\u4eba\u53e3\u8d85\u904e 14 \u5104\uff0c\u81ea\u7136\u8cc7\u6e90\u8c50\u5bcc\u3002\u64da\u4e16\u754c\u9280\u884c\u7d71\u8a08\uff0c2022 \u5e74\uff0c\u975e\u6d32\u5927\u9678 GDP \u7d04 2.98 \u5146\u7f8e\u5143\uff0c\u4e26\u4e14\u4fdd\u6301\u6bcf\u5e74 3% \u4ee5\u4e0a\u7684\u589e\u901f\uff0c\u800c\u6839\u64da Endeavor \u7684\u5831\u544a\uff0c2022 \u5e74\u6574\u500b\u975e\u6d32\u7684\u6578\u4f4d\u7d93\u6fdf\u898f\u6a21\u7d04\u70ba 1150 \u5104\u7f8e\u5143\uff0c\u4f54 GDP \u6bd4\u4f8b\u70ba 3.86%\uff0c\u9810\u8a08\u5728 2050 \u5e74\u5c07\u9054\u5230 7120 \u5104\u7f8e\u5143\u7684\u898f\u6a21\uff0c\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u4e9e\u6d32 2022 \u5e74\u6578\u4f4d\u7d93\u6fdf\u898f\u6a21\u4f54 GDP \u6bd4\u4f8b\u8d85\u904e 30%\u3002<\/p>\n<p>\u975e\u6d32\u6578\u4f4d\u7d93\u6fdf\u767c\u5c55\u64c1\u6709\u5de8\u5927\u7684\u6f5b\u529b\u3002<\/p>\n<p>\u6578\u4f4d\u7d93\u6fdf\u6db5\u84cb\u6578\u4f4d\u91d1\u878d\uff0c\u6578\u4f4d\u5546\u696d\uff0c\u6578\u4f4d\u6559\u80b2\u7b49\u591a\u500b\u884c\u696d\u3002\u6578\u4f4d\u91d1\u878d\u5c07\u50b3\u7d71\u91d1\u878d\u696d\u8207\u6578\u4f4d\u6280\u8853\u878d\u5408\uff0c\u975e\u6d32\u6709\u9ad8\u9054 66% \u7684\u4eba\u53e3\u6c92\u6709\u9280\u884c\u5e33\u6236\u200a\u2014\u200a\u2014 \u975e\u6d32\u6240\u6709\u570b\u5bb6\u7684\u4eba\u6c11\u548c\u4f01\u696d\u90fd\u9762\u81e8\u8457\u652f\u4ed8\u96e3\u3001\u8cb8\u6b3e\u96e3\u3001\u5132\u84c4\u96e3\u3001\u8cfc\u8cb7\u4fdd\u96aa\u96e3\u7b49\u6311\u6230\u3002\u800c\u975e\u6d32\u76f8\u95dc\u91d1\u878d\u79d1\u6280\u4f01\u696d\u6578\u91cf\u8fd1\u5e7e\u5e74\u6fc0\u589e\u3002<\/p>\n<p>\u64da\u7d71\u8a08\uff0c2017 \u5e74\u975e\u6d32 Fintech \u4f01\u696d\u5171\u878d\u8cc7\u8fd1 2 \u5104\u7f8e\u5143\uff0c2018 \u5e74\u524d 10 \u5927\u975e\u6d32 Fintech \u4f01\u696d\u5171\u878d\u8cc7\u8fd1 3 \u5104\u7f8e\u5143\uff0c2019 \u5e74\u55ae\u7b46\u878d\u8cc7\u984d\u5728 500 \u842c\u7f8e\u5143\u4ee5\u4e0a\u7684\u6295\u8cc7\u5408\u8a08\u5df2\u7d93\u8d85\u904e 5.8 \u5104\u7f8e\u5143\u3002\u800c\u975e\u6d32\u6578\u4f4d\u91d1\u878d\u4e2d\u6700\u71b1\u9580\u7684\u884c\u696d\u70ba\u79fb\u52d5\u652f\u4ed8\uff08\u6578\u4f4d\u9322\u5305\uff09\u3001\u7dda\u4e0a\u501f\u8cb8\u3001\u7dda\u4e0a\u532f\u6b3e\u7b49\u3002\u666e\u60e0\u91d1\u878d\u662f\u975e\u6d32\u6578\u4f4d\u7522\u696d\u6700\u5927\u7684\u6a5f\u9047\u4e4b\u4e00\uff0c\u5176\u6838\u5fc3\u662f\u904b\u7528\u6578\u4f4d\u6280\u8853\u5927\u7bc4\u570d\u89e3\u6c7a\u91d1\u878d\u670d\u52d9\u8986\u84cb\u554f\u984c\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399300 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100216497-1024x645.png\" sizes=\"(max-width: 1024px) 100vw, 1024px\" alt=\"\" width=\"1024\" height=\"645\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100216497-300x189.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100216497-1024x645.png 1024w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100216497-768x484.png 768w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100216497-750x536.png 750w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100216497.png 1045w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">\u975e\u6d32\u4e3b\u8981 Fintech \u4f01\u696d\u5206\u4f48<\/span><\/p>\n<p>\u6839\u64da Statista \u7684\u8cc7\u6599\u7d71\u8a08\uff0c2024 \u5e74\uff0c\u975e\u6d32\u79fb\u52d5\u652f\u4ed8\u898f\u6a21\uff08\u4ea4\u6613\u984d\uff09\u5c07\u7a81\u7834 1950 \u5104\u7f8e\u5143\uff0c\u662f 2020 \u5e74\u7684\u4e00\u500d\u591a\uff0c\u4fdd\u6301\u8457\u5169\u4f4d\u6578\u7684\u5e74\u5316\u8907\u5408\u589e\u9577\u7387\uff0c\u9810\u8a08\u5230 2028 \u5e74\u9019\u500b\u898f\u6a21\u5c07\u9032\u4e00\u6b65\u589e\u9577\u81f3 3148 \u5104\u7f8e\u5143\u3002\u904e\u53bb\u5169\u5e74\uff0c\u8a31\u591a\u975e\u6d32\u570b\u5bb6\u7684\u96fb\u5b50\u652f\u4ed8\u898f\u6a21\u90fd\u5275\u4e0b\u4e86\u6b77\u53f2\u65b0\u9ad8\u3002<\/p>\n<p>\u6839\u64da\u5948\u53ca\u5229\u4e9e\u592e\u884c\u7684\u8cc7\u6599\uff0c2020 \u5e74\u5948\u53ca\u5229\u4e9e\u7684\u79fb\u52d5\u8ca8\u5e63\u4ea4\u6613\u91cf\u7ffb\u4e86\u4e00\u756a\uff0c\u9054\u5230\u7d04 8 \u5104\u7b46\uff1b\u800c\u5357\u975e\u7684\u8cc7\u6599\u986f\u793a\uff0c\u5728 2020 \u5e74\u548c 2021 \u5e74\u671f\u9593\uff0c\u7dda\u4e0a\u5546\u52d9\u589e\u9577\u4e86\u7d04 40%\u3002\u6578\u4f4d\u652f\u4ed8\u6b63\u6210\u70ba\u975e\u6d32\u5927\u9678\u65e5\u76ca\u589e\u9577\u7684\u652f\u4ed8\u65b9\u5f0f\u30022023 \u5e74\uff0c\u975e\u6d32 17% \u7684\u6d88\u8cbb\u8005\u6bcf\u5929\u90fd\u4f7f\u7528\u6578\u4f4d\u652f\u4ed8\u670d\u52d9\uff0c\u6bcf\u9031\u4f7f\u7528\u6578\u4f4d\u652f\u4ed8\u670d\u52d9\u7684\u6d88\u8cbb\u8005\u6bd4\u4f8b\u9054\u5230 48%\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399301 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100227228-1024x403.png\" sizes=\"(max-width: 1024px) 100vw, 1024px\" alt=\"\" width=\"1024\" height=\"403\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100227228-300x118.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100227228-1024x403.png 1024w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100227228-768x302.png 768w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100227228-750x425.png 750w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100227228.png 1080w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">\u975e\u6d32\u6578\u4f4d\u652f\u4ed8\u5e02\u5834\u898f\u6a21<\/span><\/p>\n<p>\u79fb\u52d5\u8ca8\u5e63\u4f5c\u70ba\u76ee\u524d\u975e\u6d32\u6700\u4e3b\u8981\u4e5f\u662f\u589e\u9577\u6700\u5feb\u7684\u6578\u4f4d\u652f\u4ed8\u5f62\u5f0f\u3002\u6839\u64da GSMA\u300aThe State Of The Industry Report On Mobil Money\u300b\u5831\u544a\uff0c2023 \u5e74\uff0c\u975e\u6d32\u79fb\u52d5\u8ca8\u5e63\u8a3b\u518a\u5e33\u6236\u6578\u9054\u5230 8.56 \u5104\uff0c\u4f54\u5168\u7403\u8a3b\u518a\u5e33\u6236\u7684 49%\uff0c\u65b0\u589e\u8a3b\u518a\u5e33\u6236 1.36 \u5104\uff0c\u4f54\u5168\u7403\u8a3b\u518a\u5e33\u6236\u7e3d\u589e\u9577\u7684 70% \u4ee5\u4e0a\uff0c\u5df2\u7d93\u662f\u5168\u7403\u79fb\u52d5\u8ca8\u5e63\u6700\u4e3b\u8981\u7684\u589e\u9577\u6e90\u982d\u3002<\/p>\n<p>\u76ee\u524d\u975e\u6d32\u64c1\u6709\u5927\u7d04 169 \u7a2e\u79fb\u52d5\u8ca8\u5e63\u670d\u52d9\uff0c\u5305\u62ec M-PESA\u3001Airtel Money\u3001Orange Money\u3001MTN Mobile Money\u3001Ecocash \u548c Tigo Pesa \u7b49\uff0c\u9019\u4e9b\u5e73\u81fa\u5141\u8a31\u4f7f\u7528\u8005\u4f7f\u7528\u624b\u6a5f\u5b58\u9322\u3001\u532f\u6b3e\u548c\u6536\u6b3e\uff0c\u70ba\u50b3\u7d71\u9280\u884c\u696d\u52d9\u63d0\u4f9b\u4e86\u4e00\u7a2e\u4fbf\u6377\u7684\u66ff\u4ee3\u65b9\u6848\uff0c\u5c24\u5176\u662f\u5728\u9280\u884c\u57fa\u790e\u8a2d\u65bd\u6709\u9650\u7684\u5730\u5340\u3002\u9664\u4e86\u6539\u5584\u91d1\u878d\u5305\u5bb9\u6027\u548c\u7372\u5f97\u5176\u4ed6\u6578\u4f4d\u5316\u670d\u52d9\u4e4b\u5916\uff0c\u79fb\u52d5\u8ca8\u5e63\u7684\u63a1\u7528\u3001\u4f7f\u7528\u548c\u589e\u9577\u4e5f\u63a8\u52d5\u4e86\u975e\u6d32\u5de8\u96c6\u89c0\u7d93\u6fdf\u7684\u589e\u9577\u3002\u79fb\u52d5\u8ca8\u5e63\u5c0d\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u5730\u5340\u7684 GDP \u589e\u9577\u8ca2\u737b\u8d85\u904e 1500 \u5104\u7f8e\u5143\uff0c\u8ca2\u737b\u7387\u9054\u5230 3.7%\u3002\u5c0d\u6771\u975e\u5730\u5340\u7684 GDP \u589e\u9577\u8ca2\u737b\u7387\u5247\u9054\u5230 5.9%\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399302 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100237373.png\" sizes=\"(max-width: 550px) 100vw, 550px\" alt=\"\" width=\"550\" height=\"550\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/L5T51TL1-20250211100237373-300x300.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/L5T51TL1-20250211100237373-150x150.png 150w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100237373-24x24.png 24w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100237373-48x48.png 48w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100237373-96x96.png 96w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100237373-75x75.png 75w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100237373-350x350.png 350w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100237373.png 550w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">\u4e0d\u540c\u5730\u5340\u7684\u79fb\u52d5\u8ca8\u5e63\u5c0d GDP \u7684\u8ca2\u737b<\/span><\/p>\n<p>\u6578\u4f4d\u5546\u696d\uff0c\u4e5f\u7a31\u70ba\u96fb\u5b50\u5546\u52d9\u6216 E-Commerce\uff0c\u975e\u6d32\u7684\u96fb\u5b50\u5546\u52d9\u5b58\u5728\u57fa\u790e\u8a2d\u65bd\u5efa\u8a2d\u4e0d\u8db3\u3001\u8d77\u6b65\u665a\u3001\u4e0d\u5b8c\u5584\u7b49\u554f\u984c\uff0c\u4f46\u4eba\u53e3\u57fa\u6578\u5927\u3001\u5e74\u8f15\u4eba\u53e3\u6bd4\u4f8b\u9ad8\u3001\u53ef\u63d0\u5347\u7a7a\u9593\u5927\u7684\u7279\u9ede\uff0c\u5438\u5f15\u5404\u570b\u6295\u8cc7\u8005\u5011\u7d1b\u81f3\u6c93\u4f86\u3002\u6839\u64da Statista \u7684\u8cc7\u6599\uff0c\u975e\u6d32\u96fb\u5b50\u5546\u52d9\u5e02\u5834\u9810\u8a08 2023 \u5e74\u7dda\u4e0a\u96f6\u552e\u6536\u5165\u5c07\u9054\u5230 490.2 \u5104\u7f8e\u5143\uff0c\u5e74\u589e\u9577\u7387\u63a5\u8fd1 14%\u3002\u5230 2027 \u5e74\uff0c\u975e\u6d32\u96fb\u5b50\u5546\u52d9\u5e02\u5834\u7684\u4f7f\u7528\u8005\u7fa4\u53ef\u80fd\u98c6\u5347\u81f3 6 \u5104\uff0c\u4f7f\u7528\u8005\u6ef2\u900f\u7387\u9054 44.3%\u3002\u9019\u4e00\u64f4\u5f35\u5e36\u4f86\u4e86\u591a\u65b9\u9762\u7684\u597d\u8655\uff0c\u5305\u62ec\u7d93\u6fdf\u589e\u9577\u3001\u5c31\u696d\u6a5f\u6703\u4ee5\u53ca\u6539\u5584\u8fb2\u6751\u504f\u9060\u5730\u5340\u7372\u5f97\u5546\u54c1\u548c\u670d\u52d9\u7684\u6a5f\u6703\u3002<\/p>\n<p>\u975e\u6d32\u96fb\u5b50\u5546\u52d9\u7522\u696d\u91cd\u65b0\u5b9a\u7fa9\u4e86\u50b3\u7d71\u7684\u4f9b\u61c9\u93c8\u548c\u5546\u696d\u6a21\u5f0f\u3002\u4f8b\u5982\uff0c\u80af\u4e9e\u7684 Twiga Foods \u76f4\u63a5\u5f9e\u8fb2\u6c11\u90a3\u88e1\u63a1\u8cfc\u7522\u54c1\uff0c\u4e26\u6709\u6548\u5730\u5c07\u5176\u4ea4\u4ed8\u7d66\u57ce\u5e02\u96f6\u552e\u5546\uff0c\u7c21\u5316\u4e86\u8fb2\u696d\u50f9\u503c\u93c8\u3002\u57c3\u53ca\u7684 MaxAB \u662f\u4e00\u500b\u5c07\u98df\u54c1\u548c\u96dc\u8ca8\u96f6\u552e\u5546\u8207\u670d\u52d9\u4e0d\u8db3\u5730\u5340\u7684\u4f9b\u61c9\u5546\u806f\u7d61\u8d77\u4f86\u7684\u5e73\u81fa\u3002\u9019\u90fd\u70ba\u975e\u6d32\u96fb\u5b50\u5546\u52d9\u9818\u57df\u7684\u5275\u65b0\u89e3\u6c7a\u65b9\u6848\u589e\u6dfb\u4e86\u591a\u6a23\u6027\u3002\u800c\u6cdb\u975e\u652f\u4ed8\u7d50\u7b97\u7cfb\u7d71\uff08PAPSS\uff09\u4f5c\u70ba\u4e00\u7a2e\u652f\u4ed8\u89e3\u6c7a\u65b9\u6848\uff0c\u70ba\u975e\u6d32\u5404\u5730\u7684\u652f\u4ed8\u4ea4\u6613\u63d0\u4f9b\u4fbf\u5229\uff0c\u5176\u4e0d\u4f9d\u8cf4\u975e\u6d32\u5927\u9678\u4ee5\u5916\u7684\u4ee3\u7406\u9280\u884c\u3002\u96a8\u8457 10 \u591a\u500b\u570b\u5bb6\u548c\u5546\u696d\u9280\u884c\u63a1\u7528 PAPSS\uff0c\u52a9\u529b\u96fb\u5b50\u5546\u52d9\u884c\u696d\u5be6\u73fe\u5927\u5e45\u589e\u9577\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u6578\u4f4d\u7d93\u6fdf\u5728\u7269\u6d41\uff0c\u8fb2\u696d\uff0c\u6559\u80b2\uff0c\u80fd\u6e90\uff0c\u51fa\u884c\u7b49\u50b3\u7d71\u7d30\u5206\u884c\u696d\u4e2d\u4e5f\u626e\u6f14\u8457\u91cd\u8981\u89d2\u8272\uff0c\u5728\u63a8\u52d5\u7d93\u6fdf\u548c\u6280\u8853\u767c\u5c55\u7684\u540c\u6642\uff0c\u4e0d\u50c5\u5177\u6709\u66f4\u9ad8\u7684\u5305\u5bb9\u6027\uff0c\u4e5f\u5e36\u52d5\u4e86\u5275\u65b0\u3002\u4f8b\u5982\uff0c\u5948\u53ca\u5229\u4e9e\u62c9\u5404\u65af\u7684 Kobo360 \u548c\u80af\u4e9e\u5167\u7f85\u7562\u7684 Lori Systems \u5169\u5bb6\u516c\u53f8\u628a\u6578\u4f4d\u6280\u8853\u548c\u624b\u6bb5\u5f15\u5165\u50b3\u7d71\u7684\u516c\u8def\u904b\u8f38\u5e02\u5834\uff0c\u5f9e\u800c\u63d0\u9ad8\u6574\u500b\u6d41\u7a0b\u7684\u6548\u7387\u548c\u53ef\u9760\u6027\uff0c\u4e26\u964d\u4f4e\u4e86\u5361\u8eca\u7684\u7a7a\u99db\u7387\uff0c\u4f7f\u5f97\u7d55\u5927\u90e8\u5206\u53f8\u6a5f\u7684\u6536\u5165\u5728\u8207\u5e73\u81fa\u5408\u4f5c\u4e4b\u5f8c\u589e\u9577\u4e86 50% \u4ee5\u4e0a\u3002<\/p>\n<p>\u904e\u53bb\uff0c\u7f3a\u5c11\u6559\u5e2b\u3001\u7f3a\u5c11\u5b78\u8cbb\u3001\u6027\u5225\u9d3b\u6e9d\u3001\u5b89\u5168\u554f\u984c\u3001\u4e0a\u5b78\u8ddd\u96e2\u592a\u9060\uff0c\u667a\u6167\u624b\u6a5f\u4e0d\u666e\u53ca\u7b49\u90fd\u662f\u5236\u7d04\u975e\u6d32\u6559\u80b2\u7684\u4e3b\u8981\u539f\u56e0\uff0c\u56e0\u6b64\uff0c\u4f86\u81ea\u80af\u4e9e\u7684\u6559\u80b2\u79d1\u6280\u516c\u53f8 Eneza Education \u9078\u64c7\u901a\u904e USSD \u548c\u7c21\u8a0a\u65b9\u5f0f\u70ba\u529f\u80fd\u624b\u6a5f\u4f7f\u7528\u8005\u63d0\u4f9b\u670d\u52d9\u3002\u5b98\u7db2\u8cc7\u8a0a\u986f\u793a\u5176\u4f7f\u7528\u8005\u6578\u91cf\u5df2\u7d93\u589e\u9577\u81f3 490 \u842c\uff0c\u6bcf\u65e5\u50b3\u9001\u8a0a\u606f\u6578\u91cf\u8d85\u904e 1 \u767e\u842c\u689d\uff0c\u5b78\u751f\u7d2f\u8a08\u7b54\u984c\u6578\u91cf\u5df2\u7d93\u8d85\u904e 1 \u5343\u842c\uff0c\u7d2f\u8a08\u63d0\u554f\u6b21\u6578\u4e5f\u5df2\u7d93\u8d85\u904e 1 \u767e\u842c\u3002<\/p>\n<h4><span class=\"ez-toc-section\" id=\"12_%E7%A9%A9%E5%AE%9A%E5%B9%A3\"><\/span>1.2 \u7a69\u5b9a\u5e63<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h5><span class=\"ez-toc-section\" id=\"121_%E9%9D%9E%E6%B4%B2%E7%9A%84%E7%A9%A9%E5%AE%9A%E5%B9%A3%E5%B8%82%E5%A0%B4\"><\/span>1.2.1 \u975e\u6d32\u7684\u7a69\u5b9a\u5e63\u5e02\u5834<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>\u975e\u6d32\u7684\u52a0\u5bc6\u8ca8\u5e63\u63a1\u7528\u6b63\u7d93\u6b77\u98db\u901f\u767c\u5c55\uff0c\u6839\u64da Chainalysis \u7684\u5831\u544a\uff0c\u5168\u7403\u52a0\u5bc6\u8ca8\u5e63\u7e3d\u9ad4\u63a1\u7528\u6307\u6578\u6392\u540d\u4e2d\uff0c\u975e\u6d32\u570b\u5bb6\u5948\u53ca\u5229\u4e9e\u6392\u540d\u7b2c\u4e8c\uff0c\u50c5\u6b21\u65bc\u5370\u5ea6\uff0c\u9ad8\u65bc\u7f8e\u570b\u7b49\u6b50\u7f8e\u570b\u5bb6\u3002\u800c\u7a69\u5b9a\u5e63\u5728\u52a0\u5bc6\u8ca8\u5e63\u63a1\u7528\u4e2d\u4f54\u64da\u4e86\u4e3b\u5c0e\u5730\u4f4d\u30022022 \u5e74 7 \u6708\u81f3 2023 \u5e74 6 \u6708\uff0c\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u5730\u5340\u52a0\u5bc6\u8ca8\u5e63\u8f49\u5e33\u984d\u9054\u5230 1171 \u5104\u7f8e\u5143\uff0c\u7a69\u5b9a\u5e63\u5728\u5404\u8cc7\u7522\u985e\u5225\u4e2d\u4f54\u6bd4\u8d85\u904e 50%\uff08\u986f\u8457\u9ad8\u65bc BTC,ETH \u7b49\uff09\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399303 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100248964-1024x527.png\" sizes=\"(max-width: 1024px) 100vw, 1024px\" alt=\"\" width=\"1024\" height=\"527\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100248964-300x154.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100248964-1024x527.png 1024w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100248964-768x395.png 768w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100248964-750x536.png 750w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100248964.png 1080w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">2023 \u5e74\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u570b\u5bb6\u52a0\u5bc6\u8ca8\u5e63\u6708\u4ea4\u6613\u91cf\u6309\u8cc7\u7522\u5206\u985e\u5716<\/span><\/p>\n<p>\u4ee5\u975e\u6d32\u6700\u5927\u7684\u52a0\u5bc6\u7d93\u6fdf\u9ad4\u570b\u5bb6\u5948\u53ca\u5229\u4e9e\u70ba\u4f8b\uff0c 2022 \u5e74\uff0c\u5948\u53ca\u5229\u4e9e\u4e2d\u592e\u9280\u884c\u5ba3\u4f48\u6253\u7b97\u91cd\u65b0\u8a2d\u8a08\u6cd5\u5b9a\u8ca8\u5e63\uff08NAIRA\uff09\u4e26\u767c\u884c\u65b0\u7d19\u5e63\u4ee5\u6253\u64ca\u901a\u8ca8\u81a8\u8139\uff0c\u5c0d\u8ca8\u5e63\u6d41\u901a\u91cf\u9032\u884c\u66f4\u591a\u63a7\u5236\u3002\u4e0d\u5e78\u7684\u662f\uff0c\u7531\u6b64\u9020\u6210\u7684\u73fe\u91d1\u77ed\u7f3a\u7d66\u8a72\u570b\u6c92\u6709\u9280\u884c\u5e33\u6236\u7684\u4eba\u53e3\u5e36\u4f86\u4e86\u5de8\u5927\u58d3\u529b\uff0c2023 \u5e74\u521d\u3002\u5948\u53ca\u5229\u4e9e\u4e0d\u78ba\u5b9a\u7684\u7d93\u6fdf\u74b0\u5883\u9f13\u52f5\u66f4\u591a\u516c\u6c11\u5c0b\u6c42\u8ca1\u52d9\u66ff\u4ee3\u65b9\u6848\uff0c\u5373\u589e\u52a0\u52a0\u5bc6\u8ca8\u5e63\u6301\u6709\u91cf\uff08\u4e3b\u8981\u70ba\u7a69\u5b9a\u5e63\uff09\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399304 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100259367-1024x499.png\" sizes=\"(max-width: 1024px) 100vw, 1024px\" alt=\"\" width=\"1024\" height=\"499\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100259367-300x146.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100259367-1024x499.png 1024w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100259367-768x374.png 768w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100259367-750x526.png 750w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100259367.png 1080w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">\u5948\u53ca\u5229\u4e9e\u52a0\u5bc6\u8ca8\u5e63\u4ea4\u6613\u91cf<\/span><\/p>\n<h5><span class=\"ez-toc-section\" id=\"122_%E9%9D%9E%E6%B4%B2%E7%9A%84%E7%A9%A9%E5%AE%9A%E5%B9%A3%E6%87%89%E7%94%A8\"><\/span>1.2.2 \u975e\u6d32\u7684\u7a69\u5b9a\u5e63\u61c9\u7528<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p><strong>a. \u532f\u6b3e<\/strong><\/p>\n<p>\u904e\u53bb\u5e7e\u5341\u5e74\uff0c\u532f\u5165\u975e\u6d32\u5927\u9678\u7684\u8cc7\u91d1\u6301\u7e8c\u589e\u9577\uff0c\u4f46\u975e\u6d32\u767e\u59d3\u4f9d\u820a\u53d7\u5230\u532f\u6b3e\u6210\u672c\u904e\u9ad8\u7684\u56f0\u64fe\uff0c\u6839\u64da\u806f\u5408\u570b\u767c\u5c55\u8a08\u5283\u7f72\u7684\u7d71\u8a08\uff0c2022 \u5e74 2 \u5b63\u5ea6\uff0c\u975e\u6d32\u5730\u5340\u532f\u6b3e 200 \u7f8e\u5143\u7684\u6210\u672c\u9ad8\u9054 7.8%\uff0c\u9060\u9ad8\u65bc\u5168\u7403\u5176\u4ed6\u5730\u5340\u7684\u5e73\u5747\u6210\u672c 4%-6.4%\u3002\u4f7f\u7528\u52a0\u5bc6\u8ca8\u5e63\u9032\u884c\u532f\u6b3e\u53ef\u4ee5\u5927\u5e45\u964d\u4f4e\u532f\u6b3e\u6210\u672c\uff08\u751a\u81f3\u4f4e\u81f3\u50b3\u7d71\u532f\u6b3e\u65b9\u5f0f\u7684\u4e8c\u5341\u5206\u4e4b\u4e00\uff09\uff0c\u4ee5\u5948\u53ca\u5229\u4e9e\u7684 SureRemit \u70ba\u4f8b\uff0c\u91dd\u5c0d\u532f\u6b3e\u6536\u53d6 0%-2% \u7684\u8cbb\u7528\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u4f7f\u7528\u7a69\u5b9a\u5e63\u9032\u884c\u532f\u6b3e\uff0c\u4e5f\u80fd\u907f\u514d\u6f5b\u5728\u8cc7\u7522\u50f9\u683c\u6ce2\u52d5\u5e36\u4f86\u7684\u640d\u5931\u3002Paxful\uff0cBuyCoins\uff0cLuno\uff0cQuidax \u7b49\u975e\u6d32\u4e3b\u6d41\u4ea4\u6613\u5e73\u81fa\u5728\u904e\u53bb\u4e00\u6bb5\u6642\u9593\u5747\u51fa\u73fe\u4e86\u5927\u91cf\u51fa\u65bc\u532f\u6b3e\u76ee\u7684\u7684\u7a69\u5b9a\u5e63\u4ea4\u6613\u9700\u6c42\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399305 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100310271-1024x460.png\" sizes=\"(max-width: 1024px) 100vw, 1024px\" alt=\"\" width=\"1024\" height=\"460\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100310271-300x135.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100310271-1024x460.png 1024w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100310271-768x345.png 768w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100310271-750x485.png 750w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100310271.png 1080w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">\u532f\u6b3e\u6210\u672c<\/span><\/p>\n<p><strong>b. \u8de8\u5883\u8cbf\u6613<\/strong><\/p>\n<p>\u5728\u8de8\u5883\u8cbf\u6613\u4e2d\u4f7f\u7528\u7a69\u5b9a\u5e63\u9032\u884c\u652f\u4ed8\uff0c\u53ef\u4ee5\u9054\u5230\u8cbb\u7528\u4f4e\uff0c\u5230\u5e33\u901f\u5ea6\u5feb\u7684\u512a\u9ede\uff0c\u7531\u65bc\u5728\u50b3\u7d71\u8de8\u5883\u8cbf\u6613\u4e2d\uff0c\u9280\u884c\u5145\u7576\u4e86\u91cd\u8981\u7684\u89d2\u8272\uff0c\u975e\u6d32\u7684\u8cbf\u6613\u53c8\u4ee5\u4e2d\u5c0f\u4f01\u696d\u70ba\u4e3b\uff0c\u96a8\u8457\u76e3\u7ba1\u8da8\u56b4\uff0c\u98a8\u96aa\u7ba1\u63a7\uff0cKYC\uff0c\u532f\u7387\u98a8\u96aa\u7b49\u56e0\u7d20\uff0c\u9280\u884c\u652f\u63f4\u7684\u8de8\u5883\u8cbf\u6613\u6d3b\u52d5\u9010\u6f38\u4e0b\u6ed1\uff0c\u6b64\u5916\uff0c\u975e\u6d32\u5730\u5340\u91d1\u878d\u57fa\u790e\u8a2d\u65bd\u767c\u5c55\u8f03\u843d\u5f8c\uff0c\u8de8\u5883\u8cbf\u6613\u666e\u904d\u4f9d\u8cf4\u570b\u969b\u9280\u884c\uff0c\u9650\u5236\u4e86\u8cbf\u6613\u6d3b\u52d5\u7684\u767c\u5c55\uff0c\u800c\u4f7f\u7528\u7a69\u5b9a\u5e63\u4e26\u7d50\u5408\u5340\u584a\u93c8\u7684\u667a\u6167\u5408\u7d04\u80fd\u5920\u6709\u6548\u6539\u5584\u9019\u500b\u554f\u984c\u3002<\/p>\n<p><strong>c. \u666e\u60e0\u91d1\u878d<\/strong><\/p>\n<p>\u64da\u806f\u5408\u570b\u767c\u5c55\u8a08\u5283\u7f72\u7684\u7d71\u8a08\uff0c\u81f3 2021 \u5e74\uff0c\u6492\u54c8\u62c9\u4ee5\u5357\u7684\u975e\u6d32\u5730\u5340\uff0c15 \u6b72\u4ee5\u4e0a\u4eba\u53e3\u4e2d\uff0c\u7d04\u6709 60% \u6c92\u6709\u9280\u884c\u5e33\u6236\uff08\u5168\u7403\u5e73\u5747\u6c34\u5e73\u70ba 26%\uff09\uff0c\u800c\u5973\u6027\u6c92\u6709\u9280\u884c\u5e33\u6236\u7684\u6bd4\u4f8b\u6bd4\u7537\u6027\u9ad8 12%\uff0c\u5f9e\u91d1\u878d\u57fa\u790e\u8a2d\u65bd\u5bc6\u5ea6\u4f86\u770b\uff0c\u975e\u6d32\u5e73\u5747\u6bcf 10 \u842c\u4eba\u53e3\u53ea\u5c0d\u61c9 4.5 \u5bb6\u5546\u696d\u9280\u884c\uff08\u5168\u7403\u5e73\u5747\u6c34\u5e73\u70ba 10.8\uff09\u3002<\/p>\n<p>\u8a31\u591a\u52a0\u5bc6\u8ca8\u5e63\u670d\u52d9\u5546\u901a\u904e\u6574\u5408\u5404\u884c\u696d\u8cc7\u6e90\uff0c\u70ba\u7f3a\u4e4f\u57fa\u790e\u91d1\u878d\u670d\u52d9\u7684\u4eba\u7fa4\u63d0\u4f9b\u66f4\u5168\u9762\u7684\u670d\u52d9\uff0c\u4f8b\u5982\u5948\u53ca\u5229\u4e9e\u7684 SureRemit\uff0c\u9664\u4e86\u5411\u7528\u6236\u63d0\u4f9b\u8f49\u5e33\u532f\u6b3e\u7b49\u529f\u80fd\u4ee5\u5916\uff0c\u5176\u5728\u5168\u7403\u7db2\u8def\u4e2d\u64c1\u6709\u8d85\u904e 1000 \u5bb6\u5546\u6236\u5408\u4f5c\u4f19\u4f34\uff0c\u4f9d\u9760\u5340\u584a\u93c8\u652f\u4ed8\u6280\u8853\uff0c\u4f7f\u7528\u8005\u53ef\u4ee5\u8cfc\u8cb7\u5546\u54c1\uff0c\u652f\u4ed8\u5b78\u8cbb\uff0c\u652f\u4ed8\u516c\u7528\u4e8b\u696d\u5e33\u55ae\uff0c\u6350\u6b3e\u7b49\uff0c\u89e3\u6c7a\u4e86\u7121\u9280\u884c\u5e33\u6236\u4eba\u7fa4\u7684\u56f0\u96e3\u3002<\/p>\n<p>\u5f9e\u4ee5\u4e0b\u7d71\u8a08\u8cc7\u6599\u4e2d\u4e5f\u80fd\u770b\u51fa\uff0c\u96a8\u8457\u624b\u6a5f\u7684\u4f7f\u7528\u7387\u5728\u975e\u6d32\u7684\u63d0\u5347\uff0c\u5728\u5404\u570b\uff0c\u64c1\u6709\u79fb\u52d5\u8ca8\u5e63\u5e33\u6236\u7684\u6210\u5e74\u4eba\u8207\u5f9e\u672a\u64c1\u6709\u91d1\u878d\u5e33\u6236\u7684\u6210\u5e74\u4eba\u6bd4\u4f8b\u6210\u660e\u986f\u8ca0\u76f8\u95dc\uff0c\u8aaa\u660e\uff0c\u64c1\u6709\u79fb\u52d5\u8ca8\u5e63\u5e33\u6236\u6bd4\u4f8b\u66f4\u9ad8\u7684\u570b\u5bb6\u5c55\u73fe\u51fa\u66f4\u9ad8\u7684\u91d1\u878d\u5305\u5bb9\u6027\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399306 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100322557-1024x440.png\" sizes=\"(max-width: 1024px) 100vw, 1024px\" alt=\"\" width=\"1024\" height=\"440\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100322557-300x129.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100322557-1024x440.png 1024w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100322557-768x330.png 768w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100322557-750x464.png 750w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100322557.png 1080w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">\u52a0\u5bc6\u8ca8\u5e63\u6539\u5584\u91d1\u878d\u5305\u5bb9\u6027<\/span><\/p>\n<p><strong>d. \u4fdd\u503c\u53ca\u62b5\u79a6\u901a\u81a8<\/strong><\/p>\n<p>\u8a31\u591a\u975e\u6d32\u570b\u5bb6\u9577\u671f\u53d7\u5230\u9ad8\u901a\u81a8\u7684\u56f0\u64fe\uff08\u5169\u4f4d\u6578\u7684\u901a\u81a8\u5e74\u7387\uff09\uff0c\u9019\u500b\u6578\u5b57\u9060\u9ad8\u65bc\u5168\u7403\u5e73\u5747\u901a\u81a8\u7387\uff0c\u9019\u4e9b\u570b\u5bb6\u7684\u8ca8\u5e63\u9762\u81e8\u6301\u7e8c\u7684\u5927\u5e45\u8cb6\u503c\uff0c\u65b0\u51a0\u75ab\u60c5\u5f8c\uff0c\u60c5\u6cc1\u9032\u4e00\u6b65\u60e1\u5316\uff0c2021 \u5e74\uff0c\u7531\u65bc\u4f9b\u61c9\u93c8\u5371\u6a5f\u4ee5\u53ca\u8cc7\u6e90\u5331\u4e4f\uff0c\u6492\u54c8\u62c9\u4ee5\u5357\u7684\u975e\u6d32\u5730\u5340\u7e3d\u9ad4\u901a\u81a8\u7387\u4e0a\u5347\u4e86 3%\uff0c\u4f7f\u7528\u9328\u5b9a\u7f8e\u5143\u7b49\u7684\u7a69\u5b9a\u5e63\u4f5c\u70ba\u8cc7\u7522\u5132\u5099\u80fd\u986f\u8457\u89e3\u6c7a\u9019\u500b\u554f\u984c\uff0c\u8a31\u591a\u4e3b\u6d41\u4e2d\u5fc3\u5316\u4ea4\u6613\u6240\u5747\u5411\u975e\u6d32\u4f7f\u7528\u8005\u63d0\u4f9b\u7a69\u5b9a\u5e63\u5132\u84c4\u696d\u52d9\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399308 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100332637-1024x604.png\" sizes=\"(max-width: 1024px) 100vw, 1024px\" alt=\"\" width=\"1024\" height=\"604\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100332637-300x177.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100332637-1024x604.png 1024w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100332637-768x453.png 768w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100332637-750x536.png 750w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100332637.png 1080w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">\u6492\u54c8\u62c9\u4ee5\u5357\u7684\u975e\u6d32\u90e8\u5206\u570b\u5bb6\u901a\u81a8\u7387<\/span><\/p>\n<h5><span class=\"ez-toc-section\" id=\"123_%E9%9D%9E%E6%B4%B2%E4%B8%BB%E8%A6%81%E7%A9%A9%E5%AE%9A%E5%B9%A3\"><\/span>1.2.3 \u975e\u6d32\u4e3b\u8981\u7a69\u5b9a\u5e63<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>\u975e\u6d32\u5730\u5340\u570b\u5bb6\u4e3b\u8981\u4f7f\u7528\u7684\u7a69\u5b9a\u5e63\u5305\u62ec\u4ee5\u4e0b\u5e7e\u7a2e\uff1a<\/p>\n<p><strong>a. Tether (USDT):<\/strong> \u76ee\u524d\u5e02\u503c\u6700\u5927\u7684\u7a69\u5b9a\u5e63\uff08\u8d85\u904e 1100 \u5104\u7f8e\u5143\uff09\uff0c\u4e5f\u662f\u975e\u6d32\u4e43\u81f3\u5168\u7403\u4f7f\u7528\u6700\u5ee3\u6cdb\u7684\u7a69\u5b9a\u5e63\uff0c\u64da\u975e\u6d32\u4e3b\u8981\u52a0\u5bc6\u4ea4\u6613\u5e73\u81fa Yellow Card \u7684\u5275\u8fa6\u4eba Christoper Maurice \u8868\u793a\uff0cTron \u4e0a\u7684 USDT \u662f\u5168\u975e\u6d32\u4f7f\u7528\u8005\u6700\u53d7\u6b61\u8fce\u7684\u52a0\u5bc6\u8ca8\u5e63\u4e4b\u4e00\u3002\u8a31\u591a\u975e\u6d32\u4eba\u66f4\u559c\u6b61\u5728 Tron \u7b49\u4f4e\u6210\u672c\u7db2\u8def\u4e0a\u4f7f\u7528\u8207\u7f8e\u5143\u639b\u9264\u7684\u7a69\u5b9a\u5e63\uff08\u5982 USDT\uff09\uff0c\u4ee5\u671f\u907f\u514d\u570b\u5167\u901a\u8ca8\u81a8\u8139\u3002<\/p>\n<p><strong>b. USD Coin (USDC):<\/strong> USDC \u662f\u7576\u524d\u5e02\u503c\u50c5\u6b21\u65bc USDT \u7684\u7f8e\u5143\u7a69\u5b9a\u5e63\uff0c\u5b83\u7531 Circle \u767c\u884c\uff0c\u548c USDT \u4e00\u6a23\uff0cUSDC \u4e5f\u5728\u7a4d\u6975\u62d3\u5c55\u975e\u6d32\u5e02\u5834\uff0c2024 \u5e74 1 \u6708\uff0c\u52a0\u5bc6\u8ca8\u5e63\u4ea4\u6613\u6240 Coinbase \u8207 Yellow Card \u5408\u4f5c\uff0c\u5c07\u5176\u7522\u54c1\u7684\u4f7f\u7528\u7bc4\u570d\u64f4\u5927\u5230 20 \u500b\u65b0\u7684\u975e\u6d32\u570b\u5bb6\uff0c\u91cd\u9ede\u662f\u589e\u52a0\u7a69\u5b9a\u5e63 USDC \u7684\u4f7f\u7528\u7bc4\u570d\u3002<\/p>\n<p>\u6b64\u8209\u5c07\u5e6b\u52a9\u6578\u767e\u842c\u4f7f\u7528\u8005\u8a2a\u554f USDC\uff0c\u4e26\u901a\u904e Coinbase \u548c Yellow Card \u7522\u54c1\u5728\u53bb\u4e2d\u5fc3\u5316\u3001\u958b\u653e\u7684 L2 Base \u4e0a\u9032\u884c\u5feb\u901f\u3001\u53ef\u9760\u3001\u66f4\u4fbf\u5b9c\u7684\u4ea4\u6613\u3002<\/p>\n<p><strong>c. WSPN USD (WUSD):<\/strong> WUSD \u662f\u7531\u7a69\u5b9a\u5e63\u57fa\u790e\u8a2d\u65bd\u516c\u53f8 WSPN \u767c\u884c\u7684\u7f8e\u5143\u7a69\u5b9a\u5e63\uff0c\u65e8\u5728\u901a\u904e\u5efa\u7acb\u5168\u7403\u5408\u898f\u9ad4\u7cfb\u548c\u5168\u65b0\u7684\u652f\u4ed8\u751f\u614b\u7db2\u8def\uff0c\u70ba\u4f7f\u7528\u8005\u63d0\u4f9b\u66f4\u52a0\u5b89\u5168\u3001\u9ad8\u6548\u3001\u900f\u660e\u7684\u652f\u4ed8\u89e3\u6c7a\u65b9\u6848\u30022024 \u5e74 7 \u6708\uff0cWSPN \u8207\u975e\u6d32\u91d1\u878d\u79d1\u6280\u5148\u9a45\u516c\u53f8 CanzaFinance \u9054\u6210\u6230\u7565\u5408\u4f5c\u3002<\/p>\n<p>WUSD \u8207 CanzaFinance \u7684\u751f\u614b\u7cfb\u7d71\u9032\u884c\u6574\u5408\uff0c\u70ba\u4f7f\u7528\u8005\u63d0\u4f9b\u4fbf\u6377\u7684\u91d1\u878d\u670d\u52d9\uff0c\u4f7f\u7528\u8005\u53ef\u4ee5\u4f7f\u7528 WUSD \u9032\u884c\u5404\u7a2e\u91d1\u878d\u4ea4\u6613\uff0c\u5305\u62ec\u532f\u6b3e\u3001\u652f\u4ed8\u548c\u5132\u84c4\uff0c\u4e26\u4eab\u53d7 WUSD \u8207\u975e\u6d32\u6cd5\u5b9a\u8ca8\u5e63\u4e4b\u9593\u7684\u9806\u66a2\u514c\u63db\u9ad4\u9a57\uff0c\u5f9e\u800c\u52a0\u901f\u73fe\u5be6\u4e16\u754c\u8cc7\u7522 (RWA) \u548c\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d (DeFi) \u89e3\u6c7a\u65b9\u6848\u5728\u975e\u6d32\u7b49\u65b0\u8208\u5e02\u5834\u7684\u843d\u5730\u3002<\/p>\n<p><strong>d. PayPal USD (PYUSD):<\/strong> PYUSD \u662f\u7531\u5168\u7403\u6700\u5927\u7b2c\u4e09\u65b9\u652f\u4ed8\u5e73\u81fa PayPal \u767c\u884c\u7684\u7f8e\u5143\u7a69\u5b9a\u5e63\u3002<\/p>\n<p><strong>e. Celo USD (CUSD): <\/strong>CUSD \u662f\u7531 Celo \u767c\u884c\u7684\u7f8e\u5143\u7a69\u5b9a\u5e63\uff0c\u8207\u4ee5\u4e0a\u4e09\u7a2e\u7a69\u5b9a\u5e63\u4e0d\u540c\u7684\u662f\uff0cCUSD \u7684\u62b5\u62bc\u7269\u4e3b\u8981\u70ba\u52a0\u5bc6\u8ca8\u5e63\uff0c\u5305\u542b BTC,ETH\uff0c\u4ee5\u53ca Celo\u30022023 \u5e74 Celo \u8207 Opera \u5ba3\u4f48\u5408\u4f5c\u63a8\u51fa\u7a69\u5b9a\u5e63\u9322\u5305 MiniPay\uff0c\u9996\u5148\u5728\u5948\u53ca\u5229\u4e9e\u63a8\u5ee3\u3002\u8a72\u9322\u5305\u8207 Opera \u79fb\u52d5\u7aef\u700f\u89bd\u5668 Opera Mini \u6574\u5408\uff0c\u65e8\u5728\u5e6b\u52a9\u975e\u6d32\u79fb\u52d5\u7db2\u969b\u7db2\u8def\u4f7f\u7528\u8005\u4f7f\u7528 Web3 \u7522\u54c1\uff0c\u800c Opera \u65d7\u4e0b\u7684\u79fb\u52d5\u652f\u4ed8\u6a5f\u69cb OPAY \u4e5f\u662f\u76ee\u524d\u975e\u6d32\u7684\u4e3b\u8981\u79fb\u52d5\u652f\u4ed8\u63d0\u4f9b\u5546\uff0c\u76ee\u524d\u8a3b\u518a\u4f7f\u7528\u8005\u6578\u8d85\u904e 3500 \u842c\u3002<\/p>\n<h5><span class=\"ez-toc-section\" id=\"124_%E5%9C%B0%E5%8D%80%E5%B7%AE%E7%95%B0\"><\/span>1.2.4 \u5730\u5340\u5dee\u7570<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>\u975e\u6d32\u7684\u6578\u4f4d\u7d93\u6fdf\u5448\u73fe\u51fa\u8f03\u5927\u7684\u5730\u5340\u5dee\u7570\u8207\u5206\u5316\uff0c2023 \u5e74\u6574\u500b\u975e\u6d32\u5927\u9678\u79fb\u52d5\u8ca8\u5e63\u5e33\u6236\u5171\u6709 8.56 \u5104\u500b\uff0c\u4ea4\u6613\u984d\u9054\u5230 9190 \u5104\u7f8e\u5143\uff0c\u5176\u4e2d\uff0c\u6771\u975e\u548c\u897f\u975e\u5728\u79fb\u52d5\u8ca8\u5e63\u7684\u767c\u5c55\u4e0a\u8d70\u5728\u524d\u5217\uff0c\u5169\u8005\u6d3b\u8e8d\u5e33\u6236\u6578\u4f54\u5230\u5168\u975e\u6d32\u7684 85%\uff0c\u4ea4\u6613\u984d\u4f54\u5230 90.8%\u3002\u5f9e\u6d3b\u8e8d\u5e33\u6236\u8cc7\u6599\u4f86\u770b\uff0c\u65e9\u671f\uff0c\u6771\u975e\u570b\u5bb6\u57fa\u790e\u8f03\u597d\uff0c\u897f\u975e\u570b\u5bb6\u904e\u53bb 10 \u5e74\u767c\u5c55\u6700\u5feb\uff0c\u589e\u9577\u6700\u5feb\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399309 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100345905.png\" sizes=\"(max-width: 585px) 100vw, 585px\" alt=\"\" width=\"585\" height=\"568\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100345905-300x291.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100345905.png 585w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">2023 \u5e74\u975e\u6d32\u79fb\u52d5\u8ca8\u5e63\u6982\u6cc1<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399310 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100354417.png\" sizes=\"(max-width: 975px) 100vw, 975px\" alt=\"\" width=\"975\" height=\"459\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100354417-300x141.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100354417-768x362.png 768w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100354417-750x459.png 750w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100354417.png 975w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">2013\u20132023 \u5e74\u975e\u6d32\u79fb\u52d5\u8ca8\u5e63\u6d3b\u8e8d\u5e33\u6236\u5730\u5340\u4f54\u6bd4<\/span><\/p>\n<p>a. \u897f\u975e\uff1a\u897f\u975e\u570b\u5bb6\u4e2d\u7684\u5948\u53ca\u5229\u4e9e\uff0c\u8fe6\u7d0d\uff0c\u585e\u5167\u52a0\u723e\u7b49\u5747\u662f\u767c\u5c55\u8f03\u5feb\u7684\u52a0\u5bc6\u7d93\u6fdf\u9ad4\uff0c\u6839\u64da Statista \u5728 2020 \u5e74\u7684\u4e00\u9805\u8abf\u67e5\uff0c32% \u7684\u5948\u53ca\u5229\u4e9e\u4eba\u6301\u6709 \/ \u4f7f\u7528\u904e\u52a0\u5bc6\u8ca8\u5e63\u200a\u2014\u200a\u2014 \u9019\u4e00\u6bd4\u4f8b\u4f4d\u5c45\u5168\u7403\u699c\u9996\u3002<\/p>\n<p>\u5948\u53ca\u5229\u4e9e\u4e5f\u662f 2023 \u5e74\u6574\u500b\u975e\u6d32\u63a5\u6536\u52a0\u5bc6\u8ca8\u5e63\u6700\u591a\u7684\u570b\u5bb6\uff08\u8d85\u904e 560 \u5104\u7f8e\u5143\uff09\uff0c\u4e00\u65b9\u9762\uff0c\u5948\u53ca\u5229\u4e9e\u5948\u62c9\uff0c\u8fe6\u7d0d\u8cfd\u5730\u7b49\u6cd5\u5b9a\u8ca8\u5e63\u8fd1\u5e7e\u5e74\u6301\u7e8c\u8cb6\u503c\uff0c\u570b\u5167\u901a\u8ca8\u81a8\u8139\u9ad8\u4f01\uff0c\u9019\u4e9b\u570b\u5bb6\u6c11\u773e\u5c0b\u6c42\u66f4\u5b89\u5168\u4fdd\u503c\u7684\u7f8e\u5143\u7a69\u5b9a\u5e63\uff0c\u53e6\u4e00\u65b9\u9762\uff0c\u5948\u53ca\u5229\u4e9e\u662f\u975e\u6d32\u4eba\u53e3\u548c\u7d93\u6fdf\u7b2c\u4e00\u5927\u570b\uff0c2023 \u5e74\uff0c\u5948\u53ca\u5229\u4e9e\u4f54\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u5730\u5340\u532f\u6b3e\u6d41\u91cf\u7684 38%\uff0c\u6709\u5927\u91cf\u7684\u532f\u6b3e\u548c\u652f\u4ed8\u9700\u6c42\u3002<\/p>\n<p>b. \u6771\u975e\uff1a\u6771\u975e\u7684\u80af\u4e9e\uff0c\u5766\u5c1a\u5c3c\u4e9e\uff0c\u6a21\u91cc\u897f\u65af\u7b49\u570b\u5bb6\u4e5f\u662f\u52a0\u5bc6\u8ca8\u5e63\u8f03\u6d3b\u8e8d\u7684\u7d93\u6fdf\u9ad4\uff0c\u5176\u4e2d\uff0cM-Pesa \u5df2\u6210\u70ba\u80af\u4e9e\u6700\u5927\u7684\u79fb\u52d5\u652f\u4ed8\u5e73\u81fa\uff0c\u901a\u904e\u624b\u6a5f\u548c\u884c\u52d5\u7db2\u8def\uff0c\u666e\u901a\u6c11\u773e\u53ef\u4ee5\u5be6\u73fe\u8de8\u5883\u652f\u4ed8\u3001\u77ed\u671f\u501f\u8cb8\u3001\u5de5\u8cc7\u9818\u53d6\u3001\u5e33\u55ae\u652f\u4ed8\uff0c\u8ca1\u5bcc\u7ba1\u7406\u7b49\u670d\u52d9\uff0c\u4f7f\u90a3\u4e9b\u50b3\u7d71\u91d1\u878d\u670d\u52d9\u8986\u84cb\u4e0d\u5168\u7684\u4eba\u7fa4\u4eab\u53d7\u5230\u4fbf\u6377\u7684\u91d1\u878d\u9ad4\u9a57\uff0c\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u9593\u63a5\u6539\u5584\u4e86\u80af\u4e9e\u6574\u9ad4\u6c11\u751f\u53ca\u7d93\u6fdf\u72c0\u6cc1\u3002<\/p>\n<p>c. \u975e\u6d32\u5357\u90e8\uff1a\u975e\u6d32\u5357\u90e8\u5730\u5340\u4e2d\u5357\u975e\u8fd1\u5e74\u4f86\u52a0\u5bc6\u884c\u696d\u767c\u5c55\u8fc5\u731b\uff0c\u9664\u4e86\u52a0\u5bc6\u8ca8\u5e63\u80fd\u5920\u63d0\u4f9b\u66f4\u4fbf\u5b9c\u5feb\u901f\u7684\u532f\u6b3e\u624b\u6bb5\u4e4b\u5916\uff0c\u7531\u65bc\u5357\u975e\u7684\u91d1\u878d\u57fa\u790e\u8a2d\u65bd\u767c\u5c55\u8f03\u5065\u5168\uff0c80\uff05\u4ee5\u4e0a\u7684\u4eba\u53e3\u64c1\u6709\u9280\u884c\u5e33\u6236\uff0c\u666e\u901a\u6c11\u773e\u7684\u91d1\u878d\u7d20\u990a\u76f8\u5c0d\u8f03\u9ad8\uff0c\u56e0\u6b64\u5c0d\u52a0\u5bc6\u884c\u696d\u53ca\u7a69\u5b9a\u5e63\u7684\u767c\u5c55\u548c\u63a1\u7528\u4e3b\u8981\u9ad4\u73fe\u5728\u6295\u8cc7\u4e0a\uff0c\u52a0\u5bc6\u8ca8\u5e63\u4ea4\u6613\u6240 Kucoin \u7684\u4e00\u9805\u7814\u7a76\u986f\u793a\uff0c\u5357\u975e\u7d04 22% \u7684\u6210\u5e74\u4eba\u53e3 (760 \u842c\u4eba) \u662f\u52a0\u5bc6\u8ca8\u5e63\u6295\u8cc7\u8005\uff0c\u5f88\u5927\u4e00\u90e8\u5206\u4f7f\u7528\u8005\u66f4\u559c\u6b61\u5c07\u6578\u4f4d\u8cc7\u7522\u4f5c\u70ba\u4ed6\u5011\u6700\u9752\u775e\u7684\u5132\u84c4\u65b9\u5f0f\uff0c\u4ee5\u7372\u5f97\u7a69\u5b9a\u7684\u56de\u5831\u3002<\/p>\n<h5><span class=\"ez-toc-section\" id=\"125_%E5%A2%9E%E9%95%B7%E5%89%8D%E6%99%AF\"><\/span>1.2.5 \u589e\u9577\u524d\u666f<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>\u96fb\u5b50\u5546\u52d9\u7684\u5feb\u901f\u589e\u9577\uff0c\u6578\u4f4d\u670d\u52d9\u7684\u5ee3\u6cdb\u61c9\u7528\uff0c\u79fb\u52d5\u652f\u4ed8\u7684\u9769\u547d\u6027\u767c\u5c55\u4ee5\u53ca\u975e\u6d32\u570b\u5bb6\u81ea\u8eab\u767c\u5c55\u7684\u4e0d\u5747\u8861\u90fd\u5c07\u63a8\u52d5\u7a69\u5b9a\u5e63\u5728\u672a\u4f86\u975e\u6d32\u6578\u4f4d\u7d93\u6fdf\u548c\u6574\u500b\u975e\u6d32\u91d1\u878d\u9ad4\u7cfb\u4e2d\u626e\u6f14\u91cd\u8981\u89d2\u8272\u3002<\/p>\n<p>\u8fd1\u5e74\u4f86\uff0c\u975e\u6d32\u96fb\u5b50\u5546\u52d9\u5e02\u5834\u4ee5\u9a5a\u4eba\u7684\u901f\u5ea6\u589e\u9577\uff0c\u9810\u8a08\u5230 2030 \u5e74\uff0c\u6574\u500b\u5e02\u5834\u898f\u6a21\u5c07\u9054\u5230 9398 \u5104\u7f8e\u5143\u3002\u672c\u571f\u5e73\u81fa\u5982 Jumia\uff08\u9996\u500b\u5728\u7d10\u4ea4\u6240\u4e0a\u5e02\u7684\u975e\u6d32\u79d1\u6280\u516c\u53f8\uff09\uff0cKonga \u5d1b\u8d77\uff0c\u570b\u969b\u5de8\u982d\u5982\u4e9e\u99ac\u905c\u7b49\u4e5f\u7a4d\u6975\u4f48\u5c40\u975e\u6d32\u5e02\u5834\uff0c\u9019\u9996\u5148\u5f97\u76ca\u65bc\u975e\u6d32\u4eba\u53e3\u7d05\u5229\u5e36\u4f86\u7684\u5de8\u5927\u6d88\u8cbb\u6f5b\u529b\uff0c\u975e\u6d32\u76ee\u524d\u662f\u5168\u7403\u4eba\u53e3\u589e\u9577\u6700\u5feb\u7684\u5730\u5340\u4e4b\u4e00\uff0c\u7576\u524d\u4eba\u53e3\u5df2\u8d85\u904e 12 \u5104\uff0c\u9810\u8a08\u5230 2050 \u5e74\u5c07\u9054\u5230 25 \u5104\u3002\u9f90\u5927\u7684\u4eba\u53e3\u57fa\u6578\u63d0\u4f9b\u4e86\u5de8\u5927\u7684\u6d88\u8cbb\u6f5b\u529b\u3002<\/p>\n<p>\u5c24\u5176\u662f\u5e74\u8f15\u4eba\u53e3\u5360\u6bd4\u9ad8\uff0c\u7db2\u969b\u7db2\u8def\u666e\u53ca\u7387\u9010\u6b65\u63d0\u5347\uff0c\u6d88\u8cbb\u7fd2\u6163\u9010\u6f38\u5411\u7dda\u4e0a\u8f49\u79fb\uff0c\u9019\u70ba\u96fb\u5546\u7684\u767c\u5c55\u5960\u5b9a\u4e86\u5805\u5be6\u7684\u57fa\u790e\u3002\u6b64\u5916\uff0c\u975e\u6d32\u5404\u570b\u653f\u5e9c\u548c\u79c1\u71df\u4f01\u696d\u8fd1\u5e7e\u5e74\u5728\u7db2\u969b\u7db2\u8def\u57fa\u790e\u8a2d\u65bd\u5efa\u8a2d\u65b9\u9762\u6295\u5165\u4e86\u5927\u91cf\u8cc7\u91d1\uff0c\u5149\u7e96\u7db2\u8def\u548c\u79fb\u52d5\u901a\u8a0a\u7db2\u8def\u7684\u8986\u84cb\u7387\u4e0d\u65b7\u63d0\u9ad8\u3002\u667a\u6167\u624b\u6a5f\u7684\u666e\u53ca\u7387\u4e5f\u5728\u5feb\u901f\u4e0a\u5347\u30022025 \u5e74\u975e\u6d32\u667a\u6167\u624b\u6a5f\u4f7f\u7528\u8005\u9810\u8a08\u5c07\u9054\u5230 6.75 \u5104\uff0c\u9019\u70ba\u96fb\u5546\u5e73\u81fa\u7684\u767c\u5c55\u63d0\u4f9b\u4e86\u5fc5\u8981\u7684\u6280\u8853\u652f\u6490\u3002\u50cf\u80af\u4e9e\u7684 M-Pesa \u7b49\u79fb\u52d5\u652f\u4ed8\u5e73\u81fa\u7684\u6210\u529f\uff0c\u63a8\u52d5\u4e86\u7121\u73fe\u91d1\u652f\u4ed8\u7684\u666e\u53ca\u3002\u96a8\u8457\u652f\u4ed8\u7cfb\u7d71\u7684\u4e0d\u65b7\u5b8c\u5584\uff0c\u4f7f\u7528\u8005\u7dda\u4e0a\u4e0a\u8cfc\u7269\u7684\u4fbf\u6377\u6027\u548c\u5b89\u5168\u6027\u5f97\u5230\u4e86\u4fdd\u969c\uff0c\u9032\u4e00\u6b65\u4fc3\u9032\u4e86\u96fb\u5546\u7684\u767c\u5c55\u3002<\/p>\n<p>\u7576\u524d\u975e\u6d32\u7684\u884c\u52d5\u7db2\u8def\u4f7f\u7528\u8005\u9054\u5230 12.2 \u5104\uff0c\u5176\u4e2d\u667a\u6167\u6a5f\u4f7f\u7528\u8005 6.76 \u5104\uff0c\u4f54\u6bd4\u70ba 55.32%\uff0c\u4e3b\u8981\u7684\u79fb\u52d5\u652f\u4ed8\u5e73\u81fa\u5305\u62ec M-PESA\u3001Airtel Money\u3001Orange Money\u3001MTN Mobile Money \u7b49\uff0c\u9019\u4e9b\u5e73\u81fa\u5728\u975e\u6d32\u5ee3\u53d7\u6b61\u8fce\uff0c\u63d0\u4f9b\u4e86\u4fbf\u6377\u7684\u91d1\u878d\u670d\u52d9\uff0c\u89e3\u6c7a\u4e86\u7121\u9280\u884c\u4eba\u7fa4\u7684\u56f0\u96e3\u3002\u9810\u8a08\u5230 2028 \u5e74\uff0c\u975e\u6d32\u6578\u4f4d\u652f\u4ed8\u5e02\u5834\u7684\u50f9\u503c\u5c07\u9032\u4e00\u6b65\u589e\u9577\u81f3 3148 \u5104\u7f8e\u5143\u3002<\/p>\n<p>\u5176\u4ed6\u6578\u4f4d\u670d\u52d9\u5982\u7dda\u4e0a\u6559\u80b2\uff0c\u9060\u7aef\u91ab\u7642\u7b49\u4e5f\u6b63\u8655\u65bc\u5feb\u901f\u767c\u5c55\u671f\uff0c\u6839\u64da Expert Market Research \u7684\u5831\u544a\uff0c\u975e\u6d32\u96fb\u5b50\u6559\u5b78\u5e02\u5834\u898f\u6a21\u9810\u8a08\u5230 2028 \u5e74\u5c07\u9054\u5230 203.5 \u5104\u7f8e\u5143\uff0c2023 \u5e74\u81f3 2028 \u5e74\u7684\u8907\u5408\u5e74\u589e\u9577\u7387\u70ba 39.2%\uff0c\u9019\u4e00\u589e\u9577\u4e3b\u8981\u53d7\u5230\u5c0d\u7dda\u4e0a\u6559\u80b2\u548c\u57f9\u8a13\u89e3\u6c7a\u65b9\u6848\u9700\u6c42\u589e\u52a0\u3001\u79fb\u52d5\u88dd\u7f6e\u4f7f\u7528\u589e\u52a0\u4ee5\u53ca\u653f\u5e9c\u4fc3\u9032\u6578\u4f4d\u6559\u80b2\u8209\u63aa\u7684\u63a8\u52d5\u3002\u975e\u6d32\u91ab\u7642\u5e02\u5834\u9810\u8a08\u5c07\u4ee5\u5e74\u5747 8.3% \u7684\u901f\u5ea6\u589e\u9577\uff0c\u5230 2025 \u5e74\u5e02\u5834\u898f\u6a21\u5c07\u9054\u5230 2590 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class=\"ez-toc-section\" id=\"2_%E7%A9%A9%E5%AE%9A%E5%B9%A3%E5%A6%82%E4%BD%95%E5%8A%A9%E5%8A%9B%E9%9D%9E%E6%B4%B2%E6%95%B8%E4%BD%8D%E7%B6%93%E6%BF%9F\"><\/span>2. \u7a69\u5b9a\u5e63\u5982\u4f55\u52a9\u529b\u975e\u6d32\u6578\u4f4d\u7d93\u6fdf<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u7a69\u5b9a\u5e63\u7684\u8a2d\u8a08\u65e8\u5728\u7dad\u6301\u76f8\u5c0d\u7a69\u5b9a\u7684\u50f9\u503c\uff0c\u76ee\u524d\u6d41\u901a\u6700\u5ee3\u6cdb\u7684\u5982 USDT, USDC 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40%\u3002\u4f46\u7531\u65bc 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USDT \u548c USDC 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\u5c07\u70ba\u6c92\u6709\u9280\u884c\u5e33\u6236\u7684\u4eba\u7fa4\u63d0\u4f9b\u8a2a\u554f\u5ee3\u6cdb\u7684\u91d1\u878d\u670d\u52d9\u7684\u9014\u5f91\u3002<\/p>\n<p>\u7a69\u5b9a\u5e63\u4f4e\u6210\u672c\uff0c\u5feb\u901f\u7684\u4ea4\u6613\u7279\u9ede\u4e5f\u80fd\u9032\u4e00\u6b65\u6539\u5584\u6578\u4f4d\u670d\u52d9\u7684\u65b9\u65b9\u9762\u9762\uff0c\u63d0\u5347\u4fbf\u6377\u6027\uff0c\u5e36\u4f86\u66f4\u5927\u7684\u4f7f\u7528\u8005\u7fa4\u9ad4\u589e\u91cf\u3002\u5728\u5fae\u652f\u4ed8\u9818\u57df\uff0c\u7a69\u5b9a\u5e63\u7684\u4f7f\u7528\u53ef\u4ee5\u986f\u8457\u964d\u4f4e\u5fae\u652f\u4ed8\u7684\u6210\u672c\uff0c\u4f7f\u5f97\u5c0f\u984d\u4ea4\u6613\u66f4\u52a0\u7d93\u6fdf\u5be6\u60e0\u3002\u9019\u5c0d\u65bc\u975e\u6d32\u5e02\u5834\u5c24\u70ba\u91cd\u8981\uff0c\u50b3\u7d71\u652f\u4ed8\u65b9\u5f0f\u7684\u6210\u672c\u8f03\u9ad8\uff0c\u800c\u4ea4\u6613\u901f\u5ea6\u5feb\uff0c\u53ef\u4ee5\u5be6\u73fe\u5373\u6642\u6216\u8fd1\u4e4e\u5373\u6642\u7684\u652f\u4ed8\uff0c\u9019\u5c0d\u65bc\u5fae\u652f\u4ed8\u5834\u666f\u5c24\u70ba\u91cd\u8981\uff0c\u56e0\u70ba\u4f7f\u7528\u8005\u5e0c\u671b\u652f\u4ed8\u904e\u7a0b\u5118\u53ef\u80fd\u7121\u7e2b\u3002\u5728\u8a02\u95b1\u9818\u57df\uff0c\u7a69\u5b9a\u5e63\u53ef\u4ee5\u7c21\u5316\u8a02\u95b1\u670d\u52d9\u7684\u652f\u4ed8\u6d41\u7a0b\uff0c\u4f7f\u7528\u8005\u53ea\u9700\u8a2d\u5b9a\u4e00\u6b21\u81ea\u52d5\u652f\u4ed8\uff0c\u7121\u9700\u6bcf\u6b21\u90fd\u9032\u884c\u624b\u52d5\u64cd\u4f5c\uff0c\u9019\u5c0d\u65bc\u975e\u6d32\u4f7f\u7528\u8005\u4f86\u8aaa\u5c24\u5176\u6709\u7528\uff0c\u56e0\u70ba\u4ed6\u5011\u53ef\u80fd\u66f4\u7fd2\u6163\u65bc\u4f7f\u7528\u79fb\u52d5\u88dd\u7f6e\u9032\u884c\u64cd\u4f5c\uff0c\u540c\u6642\uff0c\u7531\u65bc\u7a69\u5b9a\u5e63\u7684\u50f9\u503c\u76f8\u5c0d\u7a69\u5b9a\uff0c\u5b83\u5011\u6e1b\u5c11\u4e86\u56e0\u8ca8\u5e63\u6ce2\u52d5\u5c0e\u81f4\u7684\u652f\u4ed8\u5931\u6557\u98a8\u96aa\uff0c\u78ba\u4fdd\u8a02\u95b1\u670d\u52d9\u80fd\u5920\u6301\u7e8c\u63d0\u4f9b\u3002\u6b64\u5916\uff0c\u7a69\u5b9a\u5e63\u53ef\u4ee5\u7528\u65bc\u5404\u7a2e\u6578\u4f4d\u670d\u52d9\uff0c\u5982\u904a\u6232\u5167\u8cfc\u8cb7\u3001\u7dda\u4e0a\u6559\u80b2\u3001\u5065\u5eb7\u670d\u52d9\u7b49\uff0c\u63d0\u4f9b\u6d41\u66a2\u7684\u652f\u4ed8\u9ad4\u9a57\uff0c\u4e5f\u6703\u9f13\u52f5\u975e\u6d32\u7684\u958b\u767c\u8005\u548c\u670d\u52d9\u63d0\u4f9b\u5546\u63a2\u7d22\u65b0\u7684\u5546\u696d\u6a21\u5f0f\uff0c\u4f8b\u5982\u57fa\u65bc\u5fae\u4ea4\u6613\u7684\u76c8\u5229\u6a21\u5f0f\u3002\u4e5f\u6709\u52a9\u65bc\u63a8\u52d5\u975e\u6d32\u5340\u57df\u5167\u7d93\u6fdf\u7684\u6574\u5408\uff0c\u4fc3\u9032\u8cbf\u6613\u548c\u6295\u8cc7\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_%E7%A9%A9%E5%AE%9A%E5%B9%A3%E6%8E%A1%E7%94%A8%E9%9D%A2%E8%87%A8%E7%9A%84%E6%8C%91%E6%88%B0\"><\/span>3. \u7a69\u5b9a\u5e63\u63a1\u7528\u9762\u81e8\u7684\u6311\u6230<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u7576\u524d\u7a69\u5b9a\u5e63\u5728\u975e\u6d32\u7684\u5927\u898f\u6a21\u63a1\u7528\u9084\u9762\u81e8\u4e00\u4e9b\u6311\u6230\uff0c\u5305\u62ec\u653f\u5e9c\u76e3\u7ba1\uff0c\u5408\u898f\uff0c\u57fa\u790e\u8a2d\u65bd\uff0c\u6c11\u773e\u95dc\u5207\uff0c\u4fe1\u5fc3\u7b49\u3002<\/p>\n<h4><span class=\"ez-toc-section\" id=\"%C2%B7_%E7%9B%A3%E7%AE%A1%E8%88%87%E5%90%88%E8%A6%8F\"><\/span>\u00b7 \u76e3\u7ba1\u8207\u5408\u898f:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>\u7576\u524d\uff0c\u5927\u90e8\u5206\u975e\u6d32\u570b\u5bb6\u5c0d\u65bc\u52a0\u5bc6\u8ca8\u5e63\u7684\u76e3\u7ba1\u4f9d\u820a\u8655\u65bc\u63a2\u7d22\u968e\u6bb5\uff0c\u7f3a\u4e4f\u660e\u78ba\u7684\u6cd5\u5f8b\u53ca\u8cc7\u7522\u754c\u5b9a\uff0c\u9019\u90e8\u5206\u653f\u5e9c\u7684\u64d4\u6182\u4e3b\u8981\u4f86\u81ea\u65bc\u91d1\u878d\u7a69\u5b9a\u98a8\u96aa\uff0c\u5982\u4f55\u59a5\u5584\u8655\u7406\u597d\u975e\u672c\u5e63\u9328\u5b9a\u7a69\u5b9a\u5e63\u8207\u6cd5\u5e63\u4e4b\u9593\u7684\u95dc\u4fc2\uff0c\u5982\u5948\u53ca\u5229\u4e9e\u592e\u884c\u64d4\u5fc3\u5ee3\u6cdb\u63a1\u7528\u7a69\u5b9a\u5e63\u53ef\u80fd\u524a\u5f31\u5176\u5c0d\u8ca8\u5e63\u653f\u7b56\u7684\u63a7\u5236\uff0c\u5c0e\u81f4\u8cc7\u672c\u5916\u6d41\uff0c\u9032\u4e00\u6b65\u524a\u5f31\u6cd5\u5e63\u5948\u62c9\u7684\u50f9\u503c\u3002<\/p>\n<p>\u4e00\u4e9b\u7a69\u5b9a\u5e63\u4ee5\u7f8e\u5143\u7b49\u8cc7\u7522\u70ba\u9328\u5b9a\uff0c\u5982\u679c\u9019\u4e9b\u7a69\u5b9a\u5e63\u7684\u5132\u5099\u8cc7\u7522\u6c92\u6709\u5f97\u5230\u59a5\u5584\u7ba1\u7406\uff0c\u53ef\u80fd\u6703\u5f15\u767c\u6f5b\u5728\u7684\u91d1\u878d\u6050\u614c\uff0c\u70ba\u91d1\u878d\u9ad4\u7cfb\u5e36\u4f86\u4e0d\u7a69\u5b9a\u56e0\u7d20\uff0c\u5c24\u5176\u7576\u7a69\u5b9a\u5e63\u88ab\u5ee3\u6cdb\u7528\u65bc\u4ea4\u6613\u6216\u5132\u84c4\u4e2d\u6642\u3002\u6b64\u5916\uff0c\u8207\u67d0\u4e9b\u52a0\u5bc6\u8ca8\u5e63\u76f8\u95dc\u7684\u533f\u540d\u6027\u53ef\u80fd\u6703\u4fc3\u9032\u72af\u7f6a\u6d3b\u52d5\u7684\u767c\u751f\uff0c\u53ef\u80fd\u6703\u88ab\u7528\u65bc\u6d17\u9322\u6216\u8cc7\u52a9\u975e\u6cd5\u4ea4\u6613\uff0c\u5f71\u97ff\u91d1\u878d\u7a69\u5b9a\u548c\u5b89\u5168\u3002\u986f\u7136\uff0c\u660e\u78ba\u7684\u7a69\u5b9a\u5e63\u76e3\u7ba1\u6846\u67b6\u4ee5\u53ca\u76f8\u61c9\u7684\u6cd5\u5f8b\u4fdd\u969c\uff0c\u5c0d\u65bc\u7a69\u5b9a\u5e63\u7684\u767c\u5c55\u81f3\u95dc\u91cd\u8981\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399311 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100409333.png\" sizes=\"(max-width: 744px) 100vw, 744px\" alt=\"\" width=\"744\" height=\"778\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100409333-287x300.png 287w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100409333.png 744w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">\u6492\u54c8\u62c9\u4ee5\u5357\u975e\u6d32\u570b\u5bb6\u52a0\u5bc6\u8ca8\u5e63\u76e3\u7ba1\u73fe\u72c0<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"%E3%83%BB%E6%9C%89%E9%99%90%E7%9A%84%E5%9F%BA%E7%A4%8E%E8%A8%AD%E6%96%BD\"><\/span>\u30fb\u6709\u9650\u7684\u57fa\u790e\u8a2d\u65bd:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>\u884c\u52d5\u7db2\u8def\uff084G\/5G\uff09\u4ee5\u53ca\u7db2\u969b\u7db2\u8def\u662f\u652f\u6490\u6578\u4f4d\u7d93\u6fdf\u7684\u91cd\u8981\u57fa\u790e\u8a2d\u65bd\uff0c\u7576\u524d\uff0c\u975e\u6d32\u7684 4G \u7db2\u8def\u8986\u84cb\u7387\u50c5 50%\uff0c\u9060\u4f4e\u65bc\u4e16\u754c\u5e73\u5747\u6c34\u5e73\uff0c\u751a\u81f3\u6709\u4e9b\u5730\u65b9\u53ea\u6709 2G \u7db2\u8def\uff0c\u9664\u4e86\u5357\u975e\u7b49\u7d93\u6fdf\u76f8\u5c0d\u767c\u9054\u7684\u570b\u5bb6\u7db2\u969b\u7db2\u8def\u666e\u53ca\u7387\u8f03\u9ad8\uff0c\u6574\u500b\u975e\u6d32\u7684\u7db2\u969b\u7db2\u8def\u666e\u53ca\u7387\u53ea\u6709 30% \u5de6\u53f3\uff0c\u67d0\u7a2e\u7a0b\u5ea6\u4e0a\u9650\u5236\u4e86\u6578\u4f4d\u7d93\u6fdf\u4ee5\u53ca\u7a69\u5b9a\u5e63\u7d93\u6fdf\u751f\u614b\u7684\u767c\u5c55\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399312 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100420422.png\" sizes=\"(max-width: 987px) 100vw, 987px\" alt=\"\" width=\"987\" height=\"372\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100420422-300x113.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100420422-768x289.png 768w, https:\/\/image.blocktempo.com\/2025\/02\/MdujDu7F-20250211100420422-750x372.png 750w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100420422.png 987w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">\u5168\u7403\u884c\u52d5\u7db2\u8def\u8986\u84cb\u60c5\u6cc1<\/span><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-399313 size-large\" src=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100432112.png\" sizes=\"(max-width: 643px) 100vw, 643px\" alt=\"\" width=\"643\" height=\"538\" srcset=\"https:\/\/image.blocktempo.com\/2025\/02\/20250211100432112-300x251.png 300w, https:\/\/image.blocktempo.com\/2025\/02\/20250211100432112.png 643w\" \/><\/p>\n<p style=\"text-align: center;\"><span style=\"color: #808080;\">\u7db2\u969b\u7db2\u8def\u4f7f\u7528\u8005\u5360\u4eba\u53e3\u6bd4\u4f8b<\/span><\/p>\n<h4><span class=\"ez-toc-section\" id=\"%E3%83%BB%E7%A4%BE%E6%9C%83%E9%97%9C%E5%88%87%E5%8F%8A%E6%95%99%E8%82%B2\"><\/span>\u30fb\u793e\u6703\u95dc\u5207\u53ca\u6559\u80b2:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>\u8207\u52a0\u5bc6\u4ea4\u6613\u76f8\u95dc\u7684\u533f\u540d\u6027\u901a\u5e38\u6703\u5f15\u767c\u5c0d\u72af\u7f6a\u6d3b\u52d5\u64d4\u6182\u3002\u793e\u4ea4\u5de5\u7a0b\u8a50\u9a19\u3001\u7db2\u8def\u91e3\u9b5a\u653b\u64ca\u548c\u91dd\u5c0d\u7a69\u5b9a\u5e63\u7684\u6b3a\u8a50\u6027\u6295\u8cc7\u8a08\u5283\u53ef\u80fd\u5c0d\u65b0\u624b\u7522\u751f\u8f03\u5927\u7684\u5f71\u97ff\u3002\u7279\u5225\u662f\u90a3\u4e9b\u5c45\u4f4f\u5728\u57ce\u5e02\u4ee5\u5916\u5730\u5340\u6216\u5c0d\u6280\u8853\u63a5\u89f8\u6709\u9650\u7684\u4eba\uff0c\u53ef\u80fd\u5c0d\u7a69\u5b9a\u5e63\u6216\u52a0\u5bc6\u8ca8\u5e63\u4e26\u4e0d\u592a\u719f\u6089\u3002<\/p>\n<p>\u9019\u7a2e\u7f3a\u4e4f\u610f\u8b58\u53ef\u80fd\u963b\u7919\u7a69\u5b9a\u5e63\u7684\u5927\u898f\u6a21\u63a1\u7528\uff0c\u4e26\u4f7f\u4ed6\u5011\u5bb9\u6613\u53d7\u5230\u6b3a\u8a50\u6216\u932f\u8aa4\u8cc7\u8a0a\u7684\u5f71\u97ff\u3002\u800c\u77ad\u89e3\u7a69\u5b9a\u5e63\u7684\u5de5\u4f5c\u539f\u7406\u3001\u98a8\u96aa\u548c\u5229\u76ca\uff0c\u4ee5\u53ca\u5982\u4f55\u5b89\u5168\u4f7f\u7528\u5b83\u5011\uff0c\u9700\u8981\u4e00\u5b9a\u7a0b\u5ea6\u7684\u91d1\u878d\u7d20\u990a\uff0c\u4e5f\u9700\u8981\u653f\u5e9c\u6216\u8005\u76f8\u5c0d\u61c9\u7684\u6a5f\u69cb\u52a0\u5927\u5ba3\u50b3\u4e26\u4e14\u91dd\u5c0d\u6027\u5730\u9032\u884c\u57fa\u790e\u91d1\u878d\u6559\u80b2\u3002\u6b64\u5916\uff0c\u5373\u4f7f\u662f\u8207\u6cd5\u5b9a\u8ca8\u5e63\u639b\u9264\u7684\u7a69\u5b9a\u5e63\u4e5f\u53ef\u80fd\u51fa\u73fe\u4e00\u5b9a\u7a0b\u5ea6\u7684\u50f9\u683c\u6ce2\u52d5\u3002\u9019\u7a2e\u6ce2\u52d5\u53ef\u80fd\u5f15\u767c\u6f5b\u5728\u4f7f\u7528\u8005\u7684\u64d4\u6182\uff0c\u7279\u5225\u662f\u5c0d\u65bc\u90a3\u4e9b\u5c0d\u52a0\u5bc6\u5e02\u5834\u4e0d\u719f\u6089\u6216\u8ca1\u52d9\u8cc7\u6e90\u6709\u9650\u7684\u4eba\u4f86\u8aaa\u3002<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_%E6%A1%88%E4%BE%8B%E7%A0%94%E7%A9%B6\"><\/span>4. \u6848\u4f8b\u7814\u7a76<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u00b7 OnAfriq (MFS Africa)<\/p>\n<p>OnAfriq\uff08\u524d\u8eab\u70ba MFS Africa\uff09\u662f\u975e\u6d32\u6700\u5927\u7684\u8de8\u5883\u652f\u4ed8\u5e73\u81fa\uff0c\u6210\u7acb\u65bc 2009 \u5e74\uff0c\u81f4\u529b\u65bc\u901a\u904e\u6578\u4f4d\u652f\u4ed8\u89e3\u6c7a\u65b9\u6848\u548c\u91d1\u878d\u670d\u52d9\u63a8\u52d5\u975e\u6d32\u6578\u4f4d\u7d93\u6fdf\u767c\u5c55\u3002OnAfriq \u5728\u5948\u53ca\u5229\u4e9e\u3001\u5357\u975e\u3001\u8fe6\u7d0d\u7b49\u4e3b\u8981\u7d93\u6fdf\u9ad4\u8a2d\u6709\u5206\u652f\uff0c\u6838\u5fc3\u696d\u52d9\u5305\u62ec\u6578\u4f4d\u9322\u5305\u3001\u8de8\u5883\u652f\u4ed8\u89e3\u6c7a\u65b9\u6848\u3001\u7a69\u5b9a\u5e63\u670d\u52d9\u53ca\u91d1\u878d\u79d1\u6280\u7522\u54c1\u3002<\/p>\n<p>\u622a\u81f3 2024 \u5e74\uff0cOnAfriq \u7684\u4f7f\u7528\u8005\u8d85\u904e 5 \u5104\uff0c\u8986\u84cb 40 \u591a\u500b\u975e\u6d32\u570b\u5bb6\u3002\u500b\u4eba\u4f7f\u7528\u8005\u4f7f\u7528 OnAfriq \u9032\u884c\u65e5\u5e38\u4ea4\u6613\u3001\u8de8\u5883\u532f\u6b3e\u548c\u5c0f\u984d\u652f\u4ed8\uff0c\u4f01\u696d\u4f7f\u7528\u8005\u5247\u5229\u7528\u5176\u8de8\u5883\u652f\u4ed8\u89e3\u6c7a\u65b9\u6848\u548c\u5546\u6236\u6536\u6b3e\u670d\u52d9\uff0c\u7279\u5225\u662f\u8207\u6d77\u5916\u4f9b\u61c9\u5546\u548c\u5ba2\u6236\u9032\u884c\u4ea4\u6613\u3002OnAfriq \u652f\u63f4\u591a\u7a2e\u7a69\u5b9a\u5e63\uff0c\u5305\u62ec USDC\u3001USDT\u3001DAI \u548c EURC\uff0c\u9084\u767c\u884c\u4e86\u8207\u7f8e\u5143\u639b\u9264\u7684\u7a69\u5b9a\u5e63 AfriqCoin\uff0c\u5c08\u7528\u65bc\u8de8\u5883\u652f\u4ed8\uff0c\u624b\u7e8c\u8cbb\u4f4e\u81f3 0.5% \u5230 1%\u3002<\/p>\n<p>OnAfriq \u8207\u570b\u969b\u91d1\u878d\u6a5f\u69cb\u548c\u672c\u5730\u9280\u884c\u5408\u4f5c\uff0c\u5305\u62ec Visa\u3001Mastercard\u3001Ecobank \u548c Stanbic Bank\uff0c\u4e26\u8207\u7a69\u5b9a\u5e63\u4f9b\u61c9\u5546 Circle \u5408\u4f5c\uff0c\u85c9\u52a9 USDC \u7684\u7a69\u5b9a\u6027\u548c\u5ee3\u6cdb\u63a5\u53d7\u5ea6\u62d3\u5c55\u5728\u975e\u6d32\u7684\u696d\u52d9\u3002OnAfriq \u5e73\u81fa\u652f\u63f4 USDC \u652f\u4ed8\u3001\u8f49\u5e33\u3001\u5132\u5b58\uff0c\u4e26\u63d0\u4f9b DeFi \u7522\u54c1\uff0c\u5982\u9ad8\u6536\u76ca\u5b58\u6b3e\u3001\u501f\u8cb8\u548c\u8cc7\u7522\u7ba1\u7406\u3002<\/p>\n<p>OnAfriq \u986f\u8457\u63d0\u5347\u4e86\u975e\u6d32\u91d1\u878d\u5305\u5bb9\u6027\uff0c\u6578\u4f4d\u9322\u5305\u4f7f\u7528\u8005\u5df2\u8d85 5 \u5104\uff0c\u4f7f\u7528\u8005\u4e2d\u5927\u90e8\u5206\u6b64\u524d\u7121\u9280\u884c\u5e33\u6236\u3002OnAfriq \u70ba\u8d85\u904e 100 \u842c\u4eba\u63d0\u4f9b\u4e86\u91d1\u878d\u6559\u80b2\u548c\u57f9\u8a13\uff0c\u5e6b\u52a9\u4f7f\u7528\u8005\u63d0\u9ad8\u91d1\u878d\u7d20\u990a\u3002\u5176\u6578\u4f4d\u652f\u4ed8\u5e73\u81fa\u548c\u7a69\u5b9a\u5e63\uff08\u5982 AfriqCoin\uff09\u63d0\u5347\u4e86\u8de8\u5883\u652f\u4ed8\u6548\u7387\uff0c\u6e1b\u5c11\u4e86\u6210\u672c\uff0c\u63a8\u52d5\u4e86\u5340\u57df\u5167\u5916\u8cbf\u6613\uff0c\u8655\u7406\u6642\u9593\u7e2e\u77ed\u81f3 2 \u5206\u9418\u3002OnAfriq \u9084\u70ba\u672c\u5730\u96fb\u5546\u548c\u5546\u6236\u63d0\u4f9b\u652f\u4ed8\u9598\u9053\u5668\u670d\u52d9\uff0c\u652f\u63f4\u7dda\u4e0a\u4ea4\u6613\u548c\u6578\u4f4d\u5e02\u5834\u767c\u5c55\u3002\u672a\u4f86\uff0cOnAfriq \u8a08\u5283\u63a8\u51fa\u66f4\u591a\u5275\u65b0\u7522\u54c1\uff0c\u5982\u6578\u4f4d\u4fdd\u96aa\u548c\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\u8cb8\u6b3e\uff0c\u7e7c\u7e8c\u63a8\u52d5\u975e\u6d32\u7d93\u6fdf\u7684\u6578\u4f4d\u5316\u8f49\u578b\u3002<\/p>\n<h4><span class=\"ez-toc-section\" id=\"%C2%B7_AZA_Finance\"><\/span>\u00b7 AZA Finance<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>AZA Finance\uff0c\u6210\u7acb\u65bc 2013 \u5e74\uff0c\u662f\u4e00\u5bb6\u5728\u975e\u6d32\u5e02\u5834\u4e0a\u9818\u5148\u7684\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff0c\u5c08\u6ce8\u65bc\u63d0\u4f9b\u8de8\u5883\u652f\u4ed8\u548c\u5916\u532f\u89e3\u6c7a\u65b9\u6848\u3002\u516c\u53f8\u901a\u904e\u5176\u5275\u65b0\u7684\u6280\u8853\u5e73\u81fa\uff0c\u512a\u5316\u4e86\u8de8\u5883\u652f\u4ed8\u6d41\u7a0b\uff0c\u63d0\u5347\u4e86\u975e\u6d32\u548c\u5168\u7403\u5176\u4ed6\u5730\u5340\u4e4b\u9593\u7684\u8cc7\u91d1\u6d41\u52d5\u6027\u3002\u622a\u81f3 2024 \u5e74\uff0cAZA Finance \u7684\u8de8\u5883\u652f\u4ed8\u8f49\u5e33\u5e73\u81fa\u5df2\u8655\u7406\u4e86\u8d85\u904e 1500 \u842c\u7b46\uff0c\u7e3d\u50f9\u503c 90 \u5104\u7f8e\u5143\u7684\u4ea4\u6613\uff0c\u7e3d\u4f7f\u7528\u8005\u6578\u8d85\u904e 150 \u842c\uff0c\u670d\u52d9\u8d85\u904e 183 \u500b\u570b\u5bb6\u3002<\/p>\n<p>AZA Finance \u7684\u8de8\u5883\u652f\u4ed8\u89e3\u6c7a\u65b9\u6848\u652f\u63f4\u4e86\u975e\u6d32\u5927\u9678\u81ea\u7531\u8cbf\u6613\u5340\uff08AfCFTA\uff09\u7684\u5be6\u65bd\u3002\u901a\u904e\u7c21\u5316\u8de8\u5883\u652f\u4ed8\u6d41\u7a0b\u548c\u964d\u4f4e\u4ea4\u6613\u6210\u672c\uff0cAZA Finance \u70ba AfCFTA \u6210\u54e1\u570b\u4e4b\u9593\u7684\u8cbf\u6613\u6d3b\u52d5\u63d0\u4f9b\u4e86\u5f37\u6709\u529b\u7684\u652f\u63f4\uff0c\u5f9e\u800c\u63a8\u52d5\u4e86\u975e\u6d32\u5340\u57df\u7d93\u6fdf\u7684\u4e00\u9ad4\u5316\u3002<\/p>\n<p>AZA Finance \u5728\u5176\u652f\u4ed8\u5e73\u81fa\u4e0a\u652f\u63f4 USDC \u548c USDT\uff0c2023 \u5e74\uff0c\u7a69\u5b9a\u5e63\u7684\u4ea4\u6613\u91cf\u5728 AZA Finance \u5e73\u81fa\u4e0a\u4f54\u5230\u4e86\u7e3d\u4ea4\u6613\u91cf\u7684 30%\uff0c\u986f\u793a\u4e86\u5e02\u5834\u5c0d\u7a69\u5b9a\u5e63\u7684\u5f37\u70c8\u9700\u6c42\u548c\u63a5\u53d7\u5ea6\u3002<\/p>\n<h4><span class=\"ez-toc-section\" id=\"%E3%83%BB%E6%9C%AA%E4%BE%86%E5%B1%95%E6%9C%9B\"><\/span>\u30fb\u672a\u4f86\u5c55\u671b<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>OnAfriq\u3001AZA Finance \u548c WSPN \u7684\u6210\u529f\u7d93\u9a57\u5c55\u793a\u4e86\u7a69\u5b9a\u5e63\u5982\u4f55\u6539\u5584\u975e\u6d32\u5730\u5340\u7684\u91d1\u878d\u670d\u52d9\u4e26\u63a8\u52d5\u975e\u6d32\u7d93\u6fdf\u7684\u767c\u5c55\u3002\u5c0d\u65bc\u975e\u6d32\u5176\u4ed6\u884c\u696d\u548c\u79d1\u6280\u516c\u53f8\u4f86\u8aaa\uff0c\u95dc\u9375\u5207\u5165\u9ede\u5728\u65bc\u4ee5\u4e0b\u5e7e\u65b9\u9762\uff1a<\/p>\n<h5><span class=\"ez-toc-section\" id=\"1_%E8%91%97%E9%87%8D%E6%8F%90%E5%8D%87%E9%87%91%E8%9E%8D%E5%9F%BA%E7%A4%8E%E8%A8%AD%E6%96%BD\"><\/span>1. \u8457\u91cd\u63d0\u5347\u91d1\u878d\u57fa\u790e\u8a2d\u65bd<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>\u767c\u5c55\u672c\u5730\u7684\u5340\u584a\u93c8\u6280\u8853\u57fa\u790e\u8a2d\u65bd\uff0c\u63d0\u9ad8\u4ea4\u6613\u8655\u7406\u80fd\u529b\u548c\u5b89\u5168\u6027\uff0c\u4ee5\u652f\u63f4\u66f4\u591a\u7684\u7a69\u5b9a\u5e63\u4ea4\u6613\u3002\u540c\u6642\u63a8\u52d5\u91d1\u878d\u6a5f\u69cb\u4e4b\u9593\u7684\u4e92\u806f\u4e92\u901a\uff0c\u589e\u5f37\u9280\u884c\u8207\u975e\u9280\u884c\u91d1\u878d\u6a5f\u69cb\u7684\u5408\u4f5c\uff0c\u5efa\u7acb\u66f4\u5ee3\u6cdb\u7684\u652f\u4ed8\u7db2\u8def\u3002\u5c0d\u6c11\u773e\u63a8\u5ee3\u4f7f\u7528\u6578\u4f4d\u9322\u5305\uff0c\u652f\u63f4\u7a69\u5b9a\u5e63\u7684\u5132\u5b58\u548c\u8f49\u5e33\uff0c\u4e26\u9032\u4e00\u6b65\u5730\u5f15\u5165 DeFi \u7b49\u93c8\u4e0a\u91d1\u878d\u57fa\u790e\u8a2d\u65bd\uff0c\u63d0\u9ad8\u4f7f\u7528\u7684\u4fbf\u6377\u6027\u3002<\/p>\n<h5><span class=\"ez-toc-section\" id=\"2_%E6%8E%A8%E5%8B%95%E6%94%BF%E7%AD%96%E5%92%8C%E7%9B%A3%E7%AE%A1%E6%A1%86%E6%9E%B6%E7%9A%84%E5%AE%8C%E5%96%84\"><\/span>2. \u63a8\u52d5\u653f\u7b56\u548c\u76e3\u7ba1\u6846\u67b6\u7684\u5b8c\u5584<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>\u4f8b\u5982 AZA Finance \u5728\u652f\u63f4\u7a69\u5b9a\u5e63\u652f\u4ed8\u7684\u540c\u6642\uff0c\u56b4\u683c\u9075\u5b88\u570b\u969b\u548c\u7576\u5730\u7684\u91d1\u878d\u6cd5\u898f\uff0c\u78ba\u4fdd\u5408\u898f\u904b\u71df\u3002\u9f13\u52f5\u5404\u570b\u653f\u5e9c\u5236\u5b9a\u7a69\u5b9a\u5e63\u7684\u4f7f\u7528\u548c\u4ea4\u6613\u898f\u7bc4\uff0c\u63d0\u4f9b\u5408\u6cd5\u7684\u64cd\u4f5c\u7a7a\u9593\uff0c\u9632\u6b62\u975e\u6cd5\u6d3b\u52d5\u3002\u540c\u6642\u9f13\u52f5\u5340\u57df\u5408\u4f5c\uff0c\u5236\u5b9a\u5171\u540c\u7684\u76e3\u7ba1\u6a19\u6e96\uff0c\u63a8\u52d5\u8de8\u5883\u7a69\u5b9a\u5e63\u652f\u4ed8\u7684\u5408\u6cd5\u5316\u548c\u6a19\u6e96\u5316\u3002<\/p>\n<h5><span class=\"ez-toc-section\" id=\"3_%E6%8F%90%E5%8D%87%E5%85%AC%E7%9C%BE%E5%92%8C%E4%BC%81%E6%A5%AD%E5%B0%8D%E7%A9%A9%E5%AE%9A%E5%B9%A3%E7%9A%84%E8%AA%8D%E7%9F%A5%E8%88%87%E6%8E%A5%E5%8F%97%E5%BA%A6\"><\/span>3. \u63d0\u5347\u516c\u773e\u548c\u4f01\u696d\u5c0d\u7a69\u5b9a\u5e63\u7684\u8a8d\u77e5\u8207\u63a5\u53d7\u5ea6<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>OnAfriq \u901a\u904e\u5ee3\u6cdb\u7684\u4f7f\u7528\u8005\u6559\u80b2\u548c\u63a8\u5ee3\u6d3b\u52d5\uff0c\u63d0\u5347\u4e86\u516c\u773e\u5c0d\u7a69\u5b9a\u5e63\u7684\u8a8d\u77e5\u548c\u63a5\u53d7\u5ea6\u3002\u901a\u904e\u7dda\u4e0a\u7dda\u4e0b\u6559\u80b2\u6d3b\u52d5\u3001\u5a92\u9ad4\u5ba3\u50b3\u548c\u91d1\u878d\u77e5\u8b58\u666e\u53ca\uff0c\u5e6b\u52a9\u516c\u773e\u77ad\u89e3\u7a69\u5b9a\u5e63\u7684\u512a\u52e2\u548c\u4f7f\u7528\u65b9\u6cd5\u3002\u8207\u672c\u5730\u4f01\u696d\u5408\u4f5c\uff0c\u63a8\u52d5\u4ed6\u5011\u63a5\u53d7\u548c\u4f7f\u7528\u7a69\u5b9a\u5e63\u4f5c\u70ba\u652f\u4ed8\u9078\u9805\uff0c\u63d0\u9ad8\u7a69\u5b9a\u5e63\u5728\u5546\u696d\u4ea4\u6613\u4e2d\u7684\u4f7f\u7528\u7387\u3002\u9f13\u52f5\u5728\u5404\u7a2e\u65e5\u5e38\u4ea4\u6613\u4e2d\u4f7f\u7528\u7a69\u5b9a\u5e63\uff0c\u4f8b\u5982\u652f\u4ed8\u5e33\u55ae\u3001\u8cfc\u8cb7\u5546\u54c1\u548c\u670d\u52d9\u7b49\uff0c\u63d0\u5347\u5176\u5728\u516c\u773e\u751f\u6d3b\u4e2d\u7684\u666e\u53ca\u5ea6\u3002<\/p>\n<h5><span class=\"ez-toc-section\" id=\"4_%E5%8A%A0%E5%BC%B7%E5%90%88%E4%BD%9C%EF%BC%8C%E5%BB%BA%E7%AB%8B%E5%BC%B7%E6%9C%89%E5%8A%9B%E7%9A%84%E5%90%88%E4%BD%9C%E4%BC%99%E4%BC%B4%E9%97%9C%E4%BF%82\"><\/span>4. \u52a0\u5f37\u5408\u4f5c\uff0c\u5efa\u7acb\u5f37\u6709\u529b\u7684\u5408\u4f5c\u4f19\u4f34\u95dc\u4fc2<span class=\"ez-toc-section-end\"><\/span><\/h5>\n<p>OnAfriq \u8207\u5168\u7403\u7a69\u5b9a\u5e63\u767c\u884c\u5546 Circle \u5408\u4f5c\uff0c\u589e\u5f37\u4e86\u5176\u5728\u5168\u7403\u652f\u4ed8\u5e02\u5834\u4e2d\u7684\u7af6\u722d\u529b\u3002\u8207\u50cf Circle\u3001Tether \u7b49\u7a69\u5b9a\u5e63\u767c\u884c\u5546\u5408\u4f5c\uff0c\u5f15\u5165\u66f4\u591a\u7a69\u5b9a\u5e63\u9078\u9805\uff0c\u64f4\u5927\u61c9\u7528\u5834\u666f\u3002\u8207\u5340\u584a\u93c8\u548c\u91d1\u878d\u79d1\u6280\u516c\u53f8\u5408\u4f5c\uff0c\u63d0\u5347\u6280\u8853\u6c34\u5e73\uff0c\u512a\u5316\u652f\u4ed8\u548c\u4ea4\u6613\u7cfb\u7d71\u3002\u5efa\u7acb\u8207\u570b\u969b\u91d1\u878d\u6a5f\u69cb\u7684\u5408\u4f5c\u95dc\u4fc2\uff0c\u63a8\u5ee3\u7a69\u5b9a\u5e63\u7684\u4f7f\u7528\uff0c\u64f4\u5927\u5168\u7403\u652f\u4ed8\u7db2\u8def\u3002<\/p>\n<p><a href=\"https:\/\/t.me\/blocktemponews\/\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-194701 size-full\" src=\"https:\/\/image.blocktempo.com\/2022\/11\/\u52d5\u5340\u5b98\u7db2tg-banner-1116.png\" alt=\"\" width=\"800\" height=\"164\" srcset=\"https:\/\/image.blocktempo.com\/2022\/11\/\u52d5\u5340\u5b98\u7db2tg-banner-1116-300x62.png 300w, https:\/\/image.blocktempo.com\/2022\/11\/\u52d5\u5340\u5b98\u7db2tg-banner-1116-768x157.png 768w, https:\/\/image.blocktempo.com\/2022\/11\/b3hG6umc-\u52d5\u5340\u5b98\u7db2tg-banner-1116-750x164.png 750w, https:\/\/image.blocktempo.com\/2022\/11\/\u52d5\u5340\u5b98\u7db2tg-banner-1116.png 800w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n<h5>\ud83d\udccd\u76f8\u95dc\u5831\u5c0e\ud83d\udccd<\/h5>\n<p><strong><a href=\"https:\/\/www.blocktempo.com\/brazils-central-bank-warns-that-stablecoins-could-become-a-tool-for-tax-evasion-and-money-laundering\/\" target=\"_blank\" rel=\"noopener\">\u5df4\u897f\u8003\u616e\u7981\u6b62\u4eba\u6c11\u5728DEX\u6301\u6709\u7a69\u5b9a\u5e63\uff01\u592e\u884c\uff1a\u7f3a\u4e4f\u900f\u660e\u5ea6\u6613\u6210\u9003\u7a05\u8207\u6d17\u9322\u5de5\u5177<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.blocktempo.com\/fed-waller-stablecoins-could-back-dollar-reserve-status\/\" target=\"_blank\" rel=\"noopener\">\u806f\u6e96\u6703\u7406\u4e8b\u6c83\u52d2\uff1a\u7a69\u5b9a\u5e63\u6709\u52a9\u978f\u56fa\u7f8e\u5143\u300c\u5168\u7403\u5132\u5099\u8ca8\u5e63\u300d\u5730\u4f4d\uff0c\u592e\u884c\u6c92\u5fc5\u8981\u767cCBDC<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.blocktempo.com\/south-korea-accelerates-legislation-to-allow-corporate-investments-in-crypto\/\" target=\"_blank\" rel=\"noopener\">\u97d3\u570b\u52a0\u901f\u89e3\u7981\u4f01\u696d\u6295\u8cc7\u865b\u64ec\u8cc7\u7522\u3001\u7a69\u5b9a\u5e63\u7acb\u6cd5\uff0c\u53f0\u7063\u80fd\u8ddf\u4e0a\u55ce\uff1f<\/a><\/strong><\/p>\n<div style=\"display: flex; justify-content: center; padding: 0px;\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u975e\u6d32\u6b63\u8fce\u6765\u6578\u4f4d\u7d93\u6fdf\u7684\u9ec4\u91d1\u767c\u5c55\u671f\u3002\u5f9e\u79fb\u52d5\u652f\u4ed8\u3001\u96fb\u5b50\u5546\u52d9\u5230\u7a33\u5b9a\u5e63\u7684\u8208\u8d77\uff0c\u6578\u4f4d\u6280\u8853\u6b63\u5728\u63a8\u52d5\u6574\u500b\u5927\u9678\u7684\u7d93\u6fdf\u8b8a\u9769\u3002\u672c\u5831\u544a [&hellip;]<\/p>\n","protected":false},"author":147,"featured_media":399355,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6,5697,837],"tags":[15289,1672,1129],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/image.blocktempo.com\/2025\/02\/Leonardo_Phoenix_10_A_futuristic_illustration_depicting_the_co_1.jpg","_links":{"self":[{"href":"https:\/\/www.blocktempo.com\/wp-json\/wp\/v2\/posts\/399299"}],"collection":[{"href":"https:\/\/www.blocktempo.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.blocktempo.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.blocktempo.com\/wp-json\/wp\/v2\/users\/147"}],"replies":[{"embeddable":true,"href":"https:\/\/www.blocktempo.com\/wp-json\/wp\/v2\/comments?post=399299"}],"version-history":[{"count":6,"href":"https:\/\/www.blocktempo.com\/wp-json\/wp\/v2\/posts\/399299\/revisions"}],"predecessor-version":[{"id":399509,"href":"https:\/\/www.blocktempo.com\/wp-json\/wp\/v2\/posts\/399299\/revisions\/399509"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.blocktempo.com\/wp-json\/wp\/v2\/media\/399355"}],"wp:attachment":[{"href":"https:\/\/www.blocktempo.com\/wp-json\/wp\/v2\/media?parent=399299"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.blocktempo.com\/wp-json\/wp\/v2\/categories?post=399299"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.blocktempo.com\/wp-json\/wp\/v2\/tags?post=399299"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}