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BTC Strategy首席执行官预测：比特币银行采用率将迎来创纪录增长
Strategy首席执行官Phong Le预测，未来12个月将带来史上最大的比特币银行采用率增长。目前，各大银行似乎已超越了关于加密货币价值的争论，在通货膨胀、监管明确性以及日益增长的客户需求推动下，越来越多的金融机构正在进入这一领域。
机构对比特币的兴趣日益浓厚
Le描述了一种投资者优先级的坚定转变。他指出，人工智能的进步开始动摇传统股市，特别是那些依赖人力劳动的公司。因此，他认为投资资本正越来越多地寻求具有内在稀缺性的资产，例如比特币。
基于人工智能的代理（AI Agents）崛起也在发挥重要作用。由于机器人无法在传统银行开设账户，区块链网络成为了结算和价值存储的实用环境。
作为Strategy的首席执行官，Phong Le领导着一家专注于企业数字资产策略的公司。该公司因其在机构加密货币采用和市场分析方面的研究而备受认可。
微型词典：人工智能代理（AI Agents）是指能够感知环境并采取行动以实现既定目标的自主软件实体。在金融服务中，它们自动化复杂流程并辅助决策，通常需要区块链基础设施进行直接结算。
采用数据反映出的趋势
最新的《比特币银行采用指数》调查结果支持了Le的预测。2026年第三季度，全球30家领先银行的参与度上升至34%。这些机构目前大部分与加密货币相关的收入来自数字资产托管、交易现货加密货币基金以及提供比特币抵押贷款等服务。
不同地区的采用率存在显著差异。美国主要金融机构的表现超过了其全球同行，Fidelity在比特币银行产品方面的采用率达到77%，位居榜首。摩根大通（JPMorgan Chase）为47%，紧随其后的是纽约梅隆银行（BNY，46%）、高盛（Goldman Sachs，45%）和摩根士丹利（Morgan Stanley，45%）。随着比特币价格维持在81,600美元以上，这些公司加深了其加密业务参与程度。
At the same time, leading banks in Europe and Asia have taken a more cautious approach. Barclays has adopted Bitcoin at a rate of 30%, Deutsche Bank at 27%, while the Japanese MUFG Financial Group has only adopted it at 18%. These organizations focus primarily on targeted pilot projects rather than widespread service deployment.
Looking to the future,
Although the Bitcoin banking market is still in its early stages, skepticism within the industry has significantly diminished. Michael Saylor, the executive chairman of Strategy, describes Bitcoin as “the original form of financial energy,” and businesses are turning it into digital credit for dynamic business operations. The coming year will reveal whether European financial institutions can narrow the gap in adoption, or whether American banks will continue to maintain their leading position in this field.
With increasing pressure from inflation, regulations, and customer demands, many of the world’s largest banks have increased their involvement in Bitcoin services, particularly in areas such as custody, fund trading, and Bitcoin mortgages. American banks currently hold a dominant position, but whether other banks can catch up remains uncertain, given that Bitcoin prices remain above $81,600.
