<p>今天加密货币发生了什么？从大胆的预测到加密货币与传统市场日益扩大的差距，投资者需要关注的内容有很多。</p>
<p>市场现在看起来确实好一些，但还有一些更重要的事情值得关注。旨在提供更稳定、更透明收益的链上 “保险库” 正成为该领域增长最快的产品之一。</p>
<p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2026/01/G_sGVBRWwAAhH6R.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2026/01/G_sGVBRWwAAhH6R.jpg"/></p>
<p>来源：X</p>
<p>根据行业数据，锁定在加密保险库中的资产已超过 60 亿美元。Bitwise 现在预计到 2026 年底这一数字将翻倍，稳定币的收益需求正在上升。</p>
<p>在价格落后于传统资产的市场中，投资者似乎非常关注获得可预测的回报。</p>
<p>保险库通过将用户资金汇集到智能合约中运作，这些合约在链上以非托管方式部署资本，进行借贷或交易策略。</p>
<h2><strong>Revolut 的银行模式走向全球</strong></h2>
<p>Revolut 在欧洲之外迈出了重要一步，正式在墨西哥启动全面银行业务。这是其在该地区以外建立的第一家银行。金融科技正在积极进入高增长、银行服务不足的市场，在这些市场中，数字银行仍然面临有限的竞争。</p>
<p>为了进入墨西哥，Revolut 通过直接申请获得了全面银行执照，成为该国第一家独立数字银行。该单位的资本超过 1 亿美元，超过了监管最低要求的两倍。</p>
<p>该执照使 Revolut 能够提供高收益储蓄账户、外汇服务、超过 30 种货币的持有以及国际汇款。</p>
<p>墨西哥可能是 Revolut 更广泛雄心的试验场。该公司正在寻求在秘鲁获得全面银行执照，并计划在印度推出支付平台。Revolut 在全球拥有超过 7000 万客户，目标是在 100 个国家达到 1 亿日活跃用户。</p>
<h2><strong>加密货币是否失宠？</strong></h2>
<p>在过去的 12 个月中，几乎所有主要资产类别都实现了正回报，唯独加密货币例外。白银上涨了惊人的 267%，黄金上涨了 84%，铜上涨了 38%，甚至纳斯达克和标准普尔 500 等股票也稳步上涨。</p>
<p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2026/01/G_qicrNWUAEMHxB.jpg?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2026/01/G_qicrNWUAEMHxB.jpg"/></p>
<p>来源：X</p>
<p>相比之下，比特币 [BTC] 下跌了 14%，以太坊 [ETH] 下跌了 8%，总加密市场市值下降了 14%，而山寨币下跌近 50%。</p>
<p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2026/01/image-10-1.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2026/01/image-10-1.png"/></p>
<p>来源：Google Trends</p>
<p>那么，关注点转向哪里？过去一周的 Google Trends 数据显示，全球对黄金和白银的兴趣强烈，而对加密货币的搜索基本持平。</p>
<p></p>
<p>来源：Santiment</p>
<p>Santiment 的社交数据证实了这一点。1 月初，交易者从假期归来时市场相对平静。随后，黄金以高涨的数字抢占了焦点，紧接着在价格下跌时比特币的兴趣激增。</p>
<p>这与另一波加密货币抛售相吻合。最近，白银成为焦点，价格在短短几小时内从 117 美元飙升至近 102 美元，零售 FOMO 达到了顶峰。</p>
<p>零售市场正在追逐任何快速上涨的资产。目前，这并不是加密货币。</p>
<hr/>
<h2>最后思考</h2>
<ul>
<li><em>随着加密货币价格滞后，资本正在转向更安全的链上收益，保险库资产已超过 60 亿美元。</em></li>
<li><em>零售关注点正在从加密货币转向黄金和白银。</em></li>
</ul>

<p>加密货币保险库的资产已超过 60 亿美元，交易者寻求更安全的收益，这与传统市场形成对比，后者的黄金和白银价格显著上涨。Revolut 在墨西哥启动了全面的银行业务，这是其首次在欧洲以外扩展。尽管大多数资产类别的回报积极，但加密货币却面临困境，比特币在过去一年下跌了 14%，以太坊下跌了 8%。零售投资者的兴趣正转向黄金和白银，这表明随着投资者追求更稳定的回报，加密货币的受欢迎程度可能会下降</p>

<p>What happened in crypto today? From bold predictions to crypto’s growing gap with traditional markets, there’s a lot for investors to take in.</p>
<div class="lb-trans"><p>今天加密货币发生了什么？从大胆的预测到加密货币与传统市场日益扩大的差距，投资者需要关注的内容有很多。</p>
</div><p>The market can certainly look a bit better right now, but there’s something arguably more important that you should keep an eye on. On-chain “vaults,” designed to offer steadier, more transparent yields, are becoming one of the sector’s fastest-growing products.</p>
<div class="lb-trans"><p>市场现在看起来确实好一些，但还有一些更重要的事情值得关注。旨在提供更稳定、更透明收益的链上 “保险库” 正成为该领域增长最快的产品之一。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2026/01/G_sGVBRWwAAhH6R.jpg" alt="" original-src="https://ambcrypto.com/wp-content/uploads/2026/01/G_sGVBRWwAAhH6R.jpg"/></p>
<p>Source: X</p>
<div class="lb-trans"><p>来源：X</p>
</div><p>According to industry data, assets locked in crypto vaults have crossed $6 billion. Bitwise now expects that figure to double by the end of 2026, with rising demand for yield on stablecoins.</p>
<div class="lb-trans"><p>根据行业数据，锁定在加密保险库中的资产已超过 60 亿美元。Bitwise 现在预计到 2026 年底这一数字将翻倍，稳定币的收益需求正在上升。</p>
</div><p>In a market where prices have lagged behind traditional assets, investors seem highly focused on earning predictable returns.</p>
<div class="lb-trans"><p>在价格落后于传统资产的市场中，投资者似乎非常关注获得可预测的回报。</p>
</div><p>Vaults work by pooling user funds into smart contracts that deploy capital across lending or trading strategies, all on-chain and non-custodial.</p>
<div class="lb-trans"><p>保险库通过将用户资金汇集到智能合约中运作，这些合约在链上以非托管方式部署资本，进行借贷或交易策略。</p>
</div><h2><strong>Revolut’s banking model goes global</strong></h2>
<div class="lb-trans"><h2><strong>Revolut 的银行模式走向全球</strong></h2>
</div><p>Revolut has taken a major step beyond Europe, officially launching full banking operations in Mexico. This is its first bank established outside the region. Fintech is pushing aggressively into high-growth, underbanked markets where digital banking still has limited competition.</p>
<div class="lb-trans"><p>Revolut 在欧洲之外迈出了重要一步，正式在墨西哥启动全面银行业务。这是其在该地区以外建立的第一家银行。金融科技正在积极进入高增长、银行服务不足的市场，在这些市场中，数字银行仍然面临有限的竞争。</p>
</div><p>To enter Mexico, Revolut obtained a full banking license through direct application, becoming the country’s first independent digital bank to do so. The unit has been capitalized with over $100 million, more than double the regulatory minimum.</p>
<div class="lb-trans"><p>为了进入墨西哥，Revolut 通过直接申请获得了全面银行执照，成为该国第一家独立数字银行。该单位的资本超过 1 亿美元，超过了监管最低要求的两倍。</p>
</div><p>The license enables Revolut to offer high‑yield savings accounts, foreign exchange services, holdings in over 30 currencies, and international money transfers.</p>
<div class="lb-trans"><p>该执照使 Revolut 能够提供高收益储蓄账户、外汇服务、超过 30 种货币的持有以及国际汇款。</p>
</div><p>Mexico is probably a testing ground for Revolut’s wider ambitions. The company is pursuing a full banking license in Peru and plans to roll out a payments platform in India. With more than 70 million customers worldwide, Revolut aims to reach 100 million daily active users across 100 countries.</p>
<div class="lb-trans"><p>墨西哥可能是 Revolut 更广泛雄心的试验场。该公司正在寻求在秘鲁获得全面银行执照，并计划在印度推出支付平台。Revolut 在全球拥有超过 7000 万客户，目标是在 100 个国家达到 1 亿日活跃用户。</p>
</div><h2><strong>Is crypto falling out of favor?</strong></h2>
<div class="lb-trans"><h2><strong>加密货币是否失宠？</strong></h2>
</div><p>Over the past 12 months, nearly every major asset class has delivered positive returns, except crypto. Silver is up a staggering 267%, gold has gained 84%, copper is up 38%, and even equities like the Nasdaq and S&amp;P 500 are solidly higher.</p>
<div class="lb-trans"><p>在过去的 12 个月中，几乎所有主要资产类别都实现了正回报，唯独加密货币例外。白银上涨了惊人的 267%，黄金上涨了 84%，铜上涨了 38%，甚至纳斯达克和标准普尔 500 等股票也稳步上涨。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2026/01/G_qicrNWUAEMHxB.jpg" alt="" original-src="https://ambcrypto.com/wp-content/uploads/2026/01/G_qicrNWUAEMHxB.jpg"/></p>
<p>Source: X</p>
<div class="lb-trans"><p>来源：X</p>
</div><p>In contrast, Bitcoin [BTC] is down 14%, Ethereum [ETH] is off 8%, the total crypto market cap has fallen 14%, with altcoins down nearly 50%.</p>
<div class="lb-trans"><p>相比之下，比特币 [BTC] 下跌了 14%，以太坊 [ETH] 下跌了 8%，总加密市场市值下降了 14%，而山寨币下跌近 50%。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2026/01/image-10-1.png" alt="" original-src="https://ambcrypto.com/wp-content/uploads/2026/01/image-10-1.png"/></p>
<p>Source: Google Trends</p>
<div class="lb-trans"><p>来源：Google Trends</p>
</div><p>So, where is attention shifting? Google Trends data from the past week shows strong global interest in gold and silver, while searches for crypto remain largely flat.</p>
<div class="lb-trans"><p>那么，关注点转向哪里？过去一周的 Google Trends 数据显示，全球对黄金和白银的兴趣强烈，而对加密货币的搜索基本持平。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2026/01/G_n5vGLWUAA6OsB-scaled.jpg" alt="" original-src="https://ambcrypto.com/wp-content/uploads/2026/01/G_n5vGLWUAA6OsB-scaled.jpg"/></p>
<p>Source: Santiment</p>
<div class="lb-trans"><p>来源：Santiment</p>
</div><p>Santiment’s social data backs this up. January began quietly as traders returned from holidays. Then gold stole the spotlight with sky high numbers, followed by a spike in Bitcoin interest when prices dipped.</p>
<div class="lb-trans"><p>Santiment 的社交数据证实了这一点。1 月初，交易者从假期归来时市场相对平静。随后，黄金以高涨的数字抢占了焦点，紧接着在价格下跌时比特币的兴趣激增。</p>
</div><p>That coincided with another crypto sell-off. Most recently, silver took center stage, surging past $117 before reversing to nearly $102 within hours as retail FOMO peaked.</p>
<div class="lb-trans"><p>这与另一波加密货币抛售相吻合。最近，白银成为焦点，价格在短短几小时内从 117 美元飙升至近 102 美元，零售 FOMO 达到了顶峰。</p>
</div><p>Retail is chasing whatever is moving fastest. Right now, that’s not crypto.</p>
<div class="lb-trans"><p>零售市场正在追逐任何快速上涨的资产。目前，这并不是加密货币。</p>
</div><hr/>
<div class="lb-trans"><hr/>
</div><h2>Final Thoughts</h2>
<div class="lb-trans"><h2>最后思考</h2>
</div><ul>
<li><em>As crypto prices lag, capital is moving to safer on-chain yield, with vault assets already above $6 billion.</em></li>
<li><em>Retail attention is rotating out of crypto and also into gold and silver.</em></li>
</ul>
<div class="lb-trans"><ul>
<li><em>随着加密货币价格滞后，资本正在转向更安全的链上收益，保险库资产已超过 60 亿美元。</em></li>
<li><em>零售关注点正在从加密货币转向黄金和白银。</em></li>
</ul>
</div>

Crypto today: Safe-yield vaults hit $6B as traders chase gold and silver

- 加密市场的资产锁定在 “金库” 中已超过 60 亿美元。
- Revolut 在墨西哥正式启动全银行业务，成为首个独立数字银行。
- 加密货币的关注度下降，资本转向黄金和稳定收益产品。

Amb Crypto

Sprott Silver Mnrs & Physical Silver ETF

紫金矿业

博时比特币

实物白银股票 ETF - ETFS

黄金和贵金属矿商 ETF - U.S. Global

VanEck Bitcoin ETF

华夏中证沪深港黄金产业股票ETF

黄金 ETF - SPDR

Bitdeer Tech

Bakkt

黄金 ETF - iShares

2 倍做多白银 ETF - ProShares

Bitfarms Canada

Galaxy Digital

纽蒙特矿业

Grayscale Bitcoin Trust BTC - ETF

山东黄金

Fidelity Wise Origin Bitcoin Fund - ETF

Coinbase

Sprott Active Gold & Silver Miners ETF

Invesco Galaxy Bitcoin ETF

SPDR金

2 倍做多黄金 ETF - ProShares

金矿小盘股 ETF - VanEck Vectors

环球银矿 MSCI ETF - iShares

全球黄金矿业股 MSCI ETF - iShares

金矿股 ETF - VanEck Vectors

Sprott PHYs Silver

实物黄金股 ETF - ETFS

ProShares Bitcoin Strategy ETF

阿尼科伊格尔矿业

贵金属股 ETF -ETFS

Gold.com

南方两倍看多黄金

黄金勘探商 ETF - GlobalX

博时比特币-U

Riot Platforms

WisdomTree Bitcoin Fund

中金黄金

ARK 21Shares Bitcoin ETF

SPDR金-R

白银信托 ETF - iShares

CoinShares Bitcoin ETF

加密货币今日动态：随着交易者追逐黄金和白银，安全收益金库的规模已达 60 亿美元