币安：新兴市场用户正在将加密货币交易所视为银行应用程序

PANews2026-05-09 15:45:00

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PANews 5月9日消息，据 CoinDesk 报道，币安最新研究称，其平台 77% 用户来自新兴市场，这些用户正将加密交易所用作储蓄、支付和投资的替代金融基础设施。报告称， 83% 同时使用两种及以上产品的用户来自新兴市场，这些地区用户储蓄率是发达市场的两倍左右，约 36% 余额在 10 美元以上的新兴市场用户将至少一半资产配置在稳定币，全球该比例为 28% 。币安援引世界银行数据指出，全球仍有约 13 亿成年人缺乏金融服务、 47 亿人缺乏信贷，且大量低收入国家储户存款无利息；稳定币在跨境汇款和储蓄中的使用增加，同时引发 IMF 和穆迪等对货币主权与金融韧性的担忧。

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