<p>今天加密貨幣發生了什麼？從大膽的預測到加密貨幣與傳統市場日益擴大的差距，投資者需要關注的內容有很多。</p>
<p>市場現在看起來確實好一些，但還有一些更重要的事情值得關注。旨在提供更穩定、更透明收益的鏈上 “保險庫” 正成為該領域增長最快的產品之一。</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>來源：X</p>
<p>根據行業數據，鎖定在加密保險庫中的資產已超過 60 億美元。Bitwise 現在預計到 2026 年底這一數字將翻倍，穩定幣的收益需求正在上升。</p>
<p>在價格落後於傳統資產的市場中，投資者似乎非常關注獲得可預測的回報。</p>
<p>保險庫通過將用户資金彙集到智能合約中運作，這些合約在鏈上以非託管方式部署資本，進行借貸或交易策略。</p>
<h2><strong>Revolut 的銀行模式走向全球</strong></h2>
<p>Revolut 在歐洲之外邁出了重要一步，正式在墨西哥啓動全面銀行業務。這是其在該地區以外建立的第一家銀行。金融科技正在積極進入高增長、銀行服務不足的市場，在這些市場中，數字銀行仍然面臨有限的競爭。</p>
<p>為了進入墨西哥，Revolut 通過直接申請獲得了全面銀行執照，成為該國第一家獨立數字銀行。該單位的資本超過 1 億美元，超過了監管最低要求的兩倍。</p>
<p>該執照使 Revolut 能夠提供高收益儲蓄賬户、外匯服務、超過 30 種貨幣的持有以及國際匯款。</p>
<p>墨西哥可能是 Revolut 更廣泛雄心的試驗場。該公司正在尋求在秘魯獲得全面銀行執照，並計劃在印度推出支付平台。Revolut 在全球擁有超過 7000 萬客户，目標是在 100 個國家達到 1 億日活躍用户。</p>
<h2><strong>加密貨幣是否失寵？</strong></h2>
<p>在過去的 12 個月中，幾乎所有主要資產類別都實現了正回報，唯獨加密貨幣例外。白銀上漲了驚人的 267%，黃金上漲了 84%，銅上漲了 38%，甚至納斯達克和標準普爾 500 等股票也穩步上漲。</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>來源：X</p>
<p>相比之下，比特幣 [BTC] 下跌了 14%，以太坊 [ETH] 下跌了 8%，總加密市場市值下降了 14%，而山寨幣下跌近 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>來源：Google Trends</p>
<p>那麼，關注點轉向哪裏？過去一週的 Google Trends 數據顯示，全球對黃金和白銀的興趣強烈，而對加密貨幣的搜索基本持平。</p>
<p><img src="https://imageproxy.pbkrs.com/https://ambcrypto.com/wp-content/uploads/2026/01/G_n5vGLWUAA6OsB-scaled.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_n5vGLWUAA6OsB-scaled.jpg"/></p>
<p>來源：Santiment</p>
<p>Santiment 的社交數據證實了這一點。1 月初，交易者從假期歸來時市場相對平靜。隨後，黃金以高漲的數字搶佔了焦點，緊接着在價格下跌時比特幣的興趣激增。</p>
<p>這與另一波加密貨幣拋售相吻合。最近，白銀成為焦點，價格在短短几小時內從 117 美元飆升至近 102 美元，零售 FOMO 達到了頂峯。</p>
<p>零售市場正在追逐任何快速上漲的資產。目前，這並不是加密貨幣。</p>
<hr/>
<h2>最後思考</h2>
<ul>
<li><em>隨着加密貨幣價格滯後，資本正在轉向更安全的鏈上收益，保險庫資產已超過 60 億美元。</em></li>
<li><em>零售關注點正在從加密貨幣轉向黃金和白銀。</em></li>
</ul>

<p>加密貨幣保險庫的資產已超過 60 億美元，交易者尋求更安全的收益，這與傳統市場形成對比，後者的黃金和白銀價格顯著上漲。Revolut 在墨西哥啓動了全面的銀行業務，這是其首次在歐洲以外擴展。儘管大多數資產類別的回報積極，但加密貨幣卻面臨困境，比特幣在過去一年下跌了 14%，以太坊下跌了 8%。零售投資者的興趣正轉向黃金和白銀，這表明隨着投資者追求更穩定的回報，加密貨幣的受歡迎程度可能會下降</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>今天加密貨幣發生了什麼？從大膽的預測到加密貨幣與傳統市場日益擴大的差距，投資者需要關注的內容有很多。</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>市場現在看起來確實好一些，但還有一些更重要的事情值得關注。旨在提供更穩定、更透明收益的鏈上 “保險庫” 正成為該領域增長最快的產品之一。</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>來源：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>根據行業數據，鎖定在加密保險庫中的資產已超過 60 億美元。Bitwise 現在預計到 2026 年底這一數字將翻倍，穩定幣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>在價格落後於傳統資產的市場中，投資者似乎非常關注獲得可預測的回報。</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>保險庫通過將用户資金彙集到智能合約中運作，這些合約在鏈上以非託管方式部署資本，進行借貸或交易策略。</p>
</div><h2><strong>Revolut’s banking model goes global</strong></h2>
<div class="lb-trans"><h2><strong>Revolut 的銀行模式走向全球</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 在歐洲之外邁出了重要一步，正式在墨西哥啓動全面銀行業務。這是其在該地區以外建立的第一家銀行。金融科技正在積極進入高增長、銀行服務不足的市場，在這些市場中，數字銀行仍然面臨有限的競爭。</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>為了進入墨西哥，Revolut 通過直接申請獲得了全面銀行執照，成為該國第一家獨立數字銀行。該單位的資本超過 1 億美元，超過了監管最低要求的兩倍。</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>該執照使 Revolut 能夠提供高收益儲蓄賬户、外匯服務、超過 30 種貨幣的持有以及國際匯款。</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 更廣泛雄心的試驗場。該公司正在尋求在秘魯獲得全面銀行執照，並計劃在印度推出支付平台。Revolut 在全球擁有超過 7000 萬客户，目標是在 100 個國家達到 1 億日活躍用户。</p>
</div><h2><strong>Is crypto falling out of favor?</strong></h2>
<div class="lb-trans"><h2><strong>加密貨幣是否失寵？</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>在過去的 12 個月中，幾乎所有主要資產類別都實現了正回報，唯獨加密貨幣例外。白銀上漲了驚人的 267%，黃金上漲了 84%，銅上漲了 38%，甚至納斯達克和標準普爾 500 等股票也穩步上漲。</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>來源：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，比特幣 [BTC] 下跌了 14%，以太坊 [ETH] 下跌了 8%，總加密市場市值下降了 14%，而山寨幣下跌近 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>來源：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>那麼，關注點轉向哪裏？過去一週的 Google Trends 數據顯示，全球對黃金和白銀的興趣強烈，而對加密貨幣的搜索基本持平。</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>來源：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 的社交數據證實了這一點。1 月初，交易者從假期歸來時市場相對平靜。隨後，黃金以高漲的數字搶佔了焦點，緊接着在價格下跌時比特幣的興趣激增。</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>這與另一波加密貨幣拋售相吻合。最近，白銀成為焦點，價格在短短几小時內從 117 美元飆升至近 102 美元，零售 FOMO 達到了頂峯。</p>
</div><p>Retail is chasing whatever is moving fastest. Right now, that’s not crypto.</p>
<div class="lb-trans"><p>零售市場正在追逐任何快速上漲的資產。目前，這並不是加密貨幣。</p>
</div><hr/>
<div class="lb-trans"><hr/>
</div><h2>Final Thoughts</h2>
<div class="lb-trans"><h2>最後思考</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>隨着加密貨幣價格滯後，資本正在轉向更安全的鏈上收益，保險庫資產已超過 60 億美元。</em></li>
<li><em>零售關注點正在從加密貨幣轉向黃金和白銀。</em></li>
</ul>
</div>

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

- 加密市場的資產鎖定在 “金庫” 中已超過 60 億美元。
- Revolut 在墨西哥正式啓動全銀行業務，成為首個獨立數字銀行。
- 加密貨幣的關注度下降，資本轉向黃金和穩定收益產品。

Amb Crypto

Sprott Silver Mnrs & Physical Silver ETF

紫金礦業

博時比特幣

實物白銀股票 ETF - ETFS

黃金和貴金屬礦商 ETF - U.S. Global

VanEck Bitcoin ETF

華夏中證滬深港黃金產業股票ETF

SPDR 金 ETF

Bitdeer Tech

Bakkt

黃金 ETF - iShares

2 倍做多白銀 ETF - ProShares

Bitfarms Canada

Galaxy Digital

紐蒙特礦業

Grayscale Bitcoin Trust BTC - ETF

山東黃金

Fidelity Wise Origin Bitcoin Fund - ETF

Coinbase

Sprott Active Gold & Silver Miners ETF

Invesco Galaxy Bitcoin ETF

SPDR金

2 倍做多黃金 ETF - ProShares

金礦小盤股 ETF - VanEck Vectors

環球銀礦 MSCI ETF - iShares

全球黃金礦業股 MSCI ETF - iShares

金礦股 ETF - VanEck Vectors

Sprott PHYs Silver

實物黃金股 ETF - ETFS

ProShares Bitcoin Strategy ETF

阿尼科伊格爾礦業

貴金屬股 ETF -ETFS

Gold.com

南方兩倍看多黃金

黃金勘探商 ETF - GlobalX

博時比特幣-U

Riot Platforms

WisdomTree Bitcoin Fund

中金黃金

ARK 21Shares Bitcoin ETF

SPDR金-R

白銀信託 ETF - iShares

CoinShares Bitcoin ETF

加密貨幣今日動態：隨着交易者追逐黃金和白銀，安全收益金庫的規模已達 60 億美元