比特币价格跌破 9 万美元的原因如下

美国国会议员拜伦·唐纳德斯（Byron Donalds）计划提出一项法案，确保唐纳德·特朗普总统建立战略比特币储备的行政命令不会被未来的总统推翻。 据彭博社最近报道，唐纳德的法案旨在保护建立国家战略比特币（BTC）储备和美国数字资产储备的行政命令，以免被行政政策或未来美国总统的决定所取消。因此，该法案的作用是“编纂”3月7日签署的行政命令。 “多年来，民主党一直在对加密货币发动战争。现在是国会共和党人果断结束这场战争的时候了，”这位佛罗里达州共和党人说。众所周知，唐纳德斯本人也对加密货币持欢迎态度，他准备在即将到来的选举中竞选佛罗里达州州长。 为了通过该法案，需要获得参议院 60 票和众议院多数票。特朗普政府被认为更加支持加密货币，尤其是与之前的拜登政府相比，后者被指控试图通过美国证券交易委员会等监管机构扼杀加密货币行业。到目前为止，大多数加密货币友好政策都得到了特朗普国会民主党和共和党的支持。 你可能还喜欢：Newmarket Capital CEO suggests the U.S issue $2t ‘Bit Bonds’ to buy Bitcoin 比特币储备行政命令包含哪些内容？ 特朗普的行政命令要求建立比特币储备以及 XRP (XRP)、SOL (SOL) 和 ADA (ADA) 等主要代币的数字资产储备。该储备将使用美国联邦政府持有的 BTC 编制，这些 BTC 是从刑事或民事资产没收程序中没收的。 不仅如此，该行政命令还授权财政部和商务部制定“预算中性策略”，为储备购买更多比特币。这样，政府就不会用纳税人的钱购买比特币。该行政命令还禁止出售储备中的任何比特币。 人工智能和加密货币专家 David Sacks 估计，美国政府目前持有 20 万枚 BTC。然而，由于 BTC 宝库从未接受过全面审计，因此具体金额尚未披露。 你可能还喜欢：Trump signs executive order establishing a US Strategic Bitcoin Reserve

Even with stablecoins rising and fintech giants jumping in, crypto payments remain a secondary use. The 2025 State of Onchain UX report shows what keeps this utility from going mainstream. Table of ContentsHow users actually use cryptoMulti-wallet use is the new normOne chain doesn’t rule them all anymoreUse is broadening, but favorites are still narrowConfidence is up, so are the scamsCrypto has to feel effortless How users actually use crypto As crypto moves further into everyday use, the experience of interacting with on-chain tools is becoming just as important as the tools themselves. The 2025 State of Onchain UX report, published by Reown with support from Nansen AI, takes a detailed look at how people are actually using wallets, apps, and on-chain services, and what that experience looks like today. The report draws on data from 1,038 active crypto users in the U.S. and U.K., surveyed between Feb. 19 and 26. More than half of the participants (51%) were from the U.S., and the rest from the U.K. A slight majority were men (59%), and most respondents fell in the 18 to 34 age group, with smaller but consistent representation from older age brackets. Only 17% considered themselves beginners, while 43% had more than two years of active crypto experience. Participants also identified the ways they used crypto, with the most common categories including traders (56%), DeFi users (45%), and those using crypto for real-world payments or transactions (47%). In addition to survey data, the report incorporates infrastructure usage from Reown and WalletConnect, as well as wallet-level transaction analysis from Nansen. Let’s explore those findings in depth, to understand where users are today, what they need next, and how developers, platforms, and infrastructure providers might better support the growing variety of on-chain participants. Multi-wallet use is the new norm For most users, the wallet is their first point of contact with the on-chain world. It is how people store assets, access apps, sign transactions, and manage identity. The 2025 report shows that wallet adoption is growing steadily across regions. Europe recorded the highest rate of new wallet creation last year, while Asia led in actual wallet connection growth.  In comparison, activity in North and South America remained low, largely due to continued regulatory uncertainty in countries like the U.S. Use of multiple wallets has increased. Today, 62% of participants rely on two or more wallets. The most common reasons are access to different chains (48%) and security concerns (44%), both of which have risen since the previous year. Among users with more than two years of crypto experience, over half reported using exchange-linked wallets such as Binance and Coinbase.  Trust Wallet, MetaMask, and Phantom also ranked high, suggesting that users with deeper exposure to on-chain tools tend to stick with brands they know well. Mobile wallets remain the most preferred option, with more than half of users identifying them as their primary interface. However, this preference has seen a slight decline compared to last year.  Hardware wallets, once limited in appeal, have gained modest traction, especially among those who describe themselves as experienced or security-focused. Social wallets have seen growing awareness and experimentation, but long-term usage remains low. The main concerns include limited control, lack of trust in their security, and poor interoperability with other dApps or chains. Across all wallet types, users consistently cited a similar set of needs. These include lower transaction fees, broader support for tokens and chains, a simpler design, and better protection against scams. More users feel confident about wallet security than they did the year before. Even so, concerns around phishing and blind signing continue to stand out. One chain doesn’t rule them all anymore Not long ago, most blockchains aimed to do everything. Today, that picture has shifted. The report highlights a growing trend toward specialization, with different chains focusing on distinct functions rather than competing across the same use cases. Ethereum (ETH) continues to serve as the primary settlement layer. It processes the largest transaction volumes and supports a broad range of applications across decentralized finance, NFTs, and infrastructure.  Solana (SOL), in contrast, has positioned itself as the leading network for high-frequency activity. It is widely used for memecoins, token launches, and fast-paced trading, largely due to its speed and low transaction costs. Nansen data reinforces this distinction. While Ethereum wallets have a median age of 123 days, Solana wallets average just 51 days. This gap suggests faster user turnover on Solana, driven by short-term experimentation and high-velocity trading, particularly through platforms like pump.fun and Jupiter. Base, the layer 2 network backed by Coinbase, is emerging as an innovation hub. Wallet activity on Base spans a mix of experimental applications and cross-chain utilities. Its momentum is also visible in on-chain metrics, with fee revenue rising more than 460% year-over-year. However, this growth has not yet translated into habitual usage. Only 10% of respondents identified Layer 2 chains as their most-used platforms, pointing to the continued influence of familiarity and network effects in shaping user behavior. BNB Chain (BNB) offers a different model. Its activity remains closely tied to the Binance ecosystem, with most users relying on exchange-driven services and low-cost trading.  Wallet data shows that BNB Chain users conduct smaller, more frequent transactions and interact with fewer third-party applications. While this limits flexibility, it appeals to users who value speed and cost-efficiency over variety. One theme emerges clearly. Most users are no longer loyal to a single chain. Instead, they choose networks based on purpose, using different chains for different tasks. This shift also explains the increasing reliance on multiple wallets. When asked how important cross-chain compatibility was to their web3 activities, over 80% of users rated it as either very or somewhat important. Only 5% said it was not important at all. Use is broadening, but favorites are still narrow User behavior on-chain continues to center around a few core actions. Trading remains the dominant activity, even as many users express long-term interest in areas like payments, gaming, and decentralized social tools. Bitcoin is still the most widely held token, with 64% of respondents including it in their portfolio. Stablecoins have seen strong adoption, with ownership rising from 20% last year to 37% in 2025. Memecoins have also gained popularity, particularly on newer chains like Solana. Despite growing interest in practical applications, the actual preference data tells a different story. When users were asked to name their favorite on-chain activity, only 12% selected payments, and just 3% chose governance. Trading and speculation continue to dominate user engagement. DeFi use remains steady but limited in preference. While 45% of participants said they had interacted with DeFi in the past three months through activities like staking, lending, or liquidity mining, only 8% named it as their top use case. Across user segments, Degens were the most active in DeFi. Interestingly, Newbies ranked second in participation, suggesting that newer users are exploring staking and yield tools early in their crypto journey. NFTs have evolved in both function and perception. A growing number of users now view them less as speculative assets and more as collectibles or tools for participation. Still, only 19% of NFT collectors named NFT-related activity as their favorite part of being on-chain. Governance remains a low-engagement area. Just 6% of users reported taking part in a vote within the past three months, and only 3% cited governance as their preferred activity. Token ownership and platform usage also vary across age groups. Older users are more likely to hold Bitcoin, with ownership reaching 74% among participants aged 55 and above. Younger users, especially those between 18 and 34, are more drawn to Solana, NFTs, and DeFi-related tools. Confidence is up, so are the scams Security remains one of the most critical factors shaping how users interact on-chain. Confidence has improved, with 69% of users now saying they feel safe when using crypto products and services. This marks a clear rise from 50.5% in 2024. At the same time, phishing attacks have increased. Last year, 14.4% of users reported being affected. That number has climbed to 21% in 2025. The increase in reported incidents suggests that while crypto tools are improving, security threats are evolving just as quickly. Many users continue to approve transactions without fully understanding the risks involved. Blind signing remains widespread, even as new features are introduced to make transaction details more transparent. Interfaces like Clear Signing are gaining attention, but adoption remains limited. Most users feel that wallets and apps are not doing enough to protect them. Only 35% believe existing platforms offer adequate security. In contrast, 56% think stronger safeguards are needed, and 6% say protection should not be the platform’s responsibility at all. This gap between perceived safety and actual outcomes highlights an unresolved issue. Users may feel more secure, but the data does not show a corresponding improvement in real-world protection. Hardware wallets have seen renewed interest, particularly among more experienced users. However, they still represent a small portion of total wallet usage. Social and mobile wallets continue to be more popular, though they expose users to higher risks from phishing and malicious smart contracts. A generational divide also exists. Older users tend to be more cautious and selective in their tools. Younger users are generally more open to adopting new interfaces, even when they carry greater risk. Crypto has to feel effortless Payments remain one of the most widely discussed use cases in crypto, but actual behavior does not always reflect that enthusiasm. While 54% of users said they had used crypto to buy goods or send funds, only 12% listed payments as their favorite on-chain activity. Stablecoin adoption has nearly doubled in the past year, increasing from 20% to 37%. This growth suggests a rising demand for reliable, low-volatility instruments, particularly for cross-border and peer-to-peer transfers. Enterprises are also stepping in. Companies like Stripe, PayPal, and Paxos are building crypto payment infrastructure into their services, extending the reach of on-chain transactions into traditional commerce. Despite this momentum, key barriers persist. High fees, poor user experience, and inconsistent app quality continue to create friction. Interoperability issues often require users to juggle multiple wallets and manually switch between networks, leading to frustration even among those comfortable with crypto systems. The infrastructure is improving, but it remains far from seamless. Many apps are still siloed, and funding a new wallet frequently involves several steps that can introduce confusion or added costs. There is also a clear geographic divide. In regions with unstable currencies or limited access to banking, crypto payments offer tangible advantages.  Meanwhile, in the U.S. and U.K., where most survey participants were based, traditional payment systems are often faster and cheaper for everyday use. As a result, crypto payments tend to serve as a backup rather than a primary option. Overall, progress is visible, but friction remains high. For on-chain utility to rival traditional finance, it must go beyond novelty. It must offer the consistency, speed, and simplicity users already expect.

JPMorgan Chase has taken a step toward integrating with a public blockchain transaction using Ondo Finance and Chainlink.  On Wednesday, the bank announced that it had settled a transaction on a public blockchain for the first time, using technology from Chainlink (LINK) and Ondo Finance (ONDO), according to Fortune reporting. The transaction, conducted in early May, involved JPMorgan’s blockchain division, Kinexys, moving funds between accounts on its private network to settle a purchase of tokenized U.S. Treasuries on Ondo’s public platform.  According to Ondo Finance, the transaction was the first cross-chain, atomic Delivery versus Payment settlement of a tokenized asset on the Ondo Chain testnet. The transaction connected Kinexys’ permissioned bank settlement infrastructure with the public Layer 1 Ondo Chain via Chainlink’s cross-chain technology. JPMorgan used a public blockchain to process a transaction involving tokenized U.S. Treasury bonds.In partnership with $LINK and $ONDO. My bags are pumping. 👀Until now, JPMorgan operated strictly within private networks. This marks a major shift toward public blockchain… https://t.co/2PpXHqF9IO pic.twitter.com/YzXU3bJPED— Ted (@TedPillows) May 14, 2025 The process relied on Chainlink’s interoperability protocol to trigger the payment, enabling communication between JPMorgan’s private system and the public blockchain. While JPMorgan has previously explored blockchain applications outside its proprietary network, including a 2024 pilot with Siemens Digital, this marks the first time the bank has built an operational framework to interact directly with public blockchains, according toFortune. You might also like:UBS: Wealthy clients are shifting away from U.S. dollar-based assets and turning to gold and crypto Traditional institutions are venturing into crypto JPMorgan’s move comes amid a broader shift in the U.S. regulatory climate. Traditional financial firms are ramping up their crypto activity. Fidelity is testing a stablecoin, Morgan Stanley is exploring crypto trading through E*Trade, and BlackRock continues to grow its tokenized treasury offerings. Discussions between Kinexys and Chainlink began more than two years ago, and the project has been part of the bank’s long-term strategy, according toFortune. You might also like:Kazakhstan proposes ’70/30′ model to fund energy upgrades through crypto mining

现实世界资产的总锁定价值创下历史新高，达到 106.8 亿美元。然而，一些交易员开始质疑区块链上 RWA 的价值。 根据 DeFi Llama 的数据，链上现实世界资产协议累计锁定的总价值已达到 106.8 亿美元。大部分 TVL 来自贝莱德的代币化基金，即贝莱德美元机构数字流动性基金（BUIDL），占总额的 15.44%。 TVL 的激增发生在其首次突破 100 亿美元门槛的第二天。 RWA 链上价值的大幅增长反映了人们对现实世界资产代币化的兴趣日益浓厚。包括美国国债和房地产在内的代币化 RWA 以稳定的收益选择吸引了投资者。在动荡的加密市场中，这些资产有望带来相对稳定的回报，从而吸引更多资本进入生态系统。 不仅如此，还有相当多的资产管理公司被代币化的吸引力所吸引，并投资于该领域，其中包括贝莱德、富达和 Janus Henderson。最近，Ondo (ONDO) Finance 于 2 月推出了专注于 RWA 的 Layer 1 区块链，进入了代币化领域。 尽管上个月刚刚推出，Ondo Finance 的 RWA 协议在 TVL 方面已经攀升至第四位。 你可能还喜欢：Ondo Finance 推出机构 L1 区块链，代币化 RWA 上链 越来越多的国家也通过沙盒项目和监管指南接受了现实世界资产的代币化。香港财经事务及库务局局长已经表示，该地区将与稳定币一起关注代币化。 与此同时，迪拜金融服务局为有兴趣深入研究 RWA 重点产品和服务的加密货币公司推出了代币化监管沙盒计划。 阅读更多：迪拜金融服务局为加密货币公司推出代币化监管沙盒 关于区块链上 RWA 价值的争论 现实世界代币化的兴起也引发了加密社区的一些争论，关于现实世界资产的价值是否可以在链上完全体现。 SmithAmundsen 律师兼比特币倡导者 Joe Carlasare 认为，现实世界的资产不应计入链中。这是因为他认为区块链仅保存资产的数字记录，本质上是一种仅作为资产价值索偿权的借据。 因此它不能完全体现链上的价值。 卡拉萨雷 (Carlasare) 在最近的帖子中表示：“你只能为需要由法院强制执行的风险分配协议 (RWA) 签发借据 (IOU)”。 Co-Founder and former CEO of CoinRoutes, Dave Weisberger, challenged Carlasare’s viewpoint by stating that although the value of the physical asset itself cannot be transferred on-chain, the title to said asset could be. “At a minimum, the provenance of that TITLE could be significantly easier to verify than paper titles, but it could go a lot further,” said Weisberger, pointing out that tokenization can eliminate a lot of problems when it comes to ownership. However, Carlasare disagrees, saying that the issue of titles can be solved without a blockchain. He still stands by his point that courts are still necessary to verify the value of real-world assets because essentially the TVL represented on-chain is just a promise that still needs to have court enforcement to be fully realized. 你可能还喜欢：RWA 繁荣不可避免，但 BSC 抛售暴露了加密货币风险：专业人士

披露：此处表达的观点和意见仅属于作者，不代表 crypto.news 编辑的观点和意见。 见证区块链项目从灵感火花变成全面运作的过程是一段激动人心的旅程，越来越多的女性正在挺身而出领导这一旅程。以下是女性可以顺利指导区块链项目从概念到启动的五种方法，同时在此过程中建立有弹性、包容的基础。 你可能还喜欢：2025 年区块链分析的五大趋势 | 观点 1. 制定清晰、可行的路线图 每一个变革性的想法都始于一个强大的愿景，但成功的关键在于将愿景转化为具体的步骤。 如何操作：将您的概念分解为里程碑——每个里程碑都与切实的目标、时间表和预算要求相关。这可以让您和您的团队专注于未来的道路，而不会被大局所困扰。 2. 利用以女性为中心的网络和指导 类似组织SheFi、HerDAO、BeraBaddies、Chipped Social、和男孩俱乐部（是的，他们也支持女性！）是建立伙伴关系、寻求指导和在任何阶段寻求支持的重要资源。 如何操作：Proactively join these communities, attend their events, and stay engaged through their online channels. Surround yourself with women (and allies) who have navigated similar challenges and can offer guidance, introductions, and moral support. 3. Prioritize the right talent and collaboration Building a strong team often requires expertise in areas like smart contract development, marketing, product management, and community engagement. Hiring the right mix of talent—or partnering with complementary projects—can accelerate progress. 如何操作：在招聘过程中强调共同的价值观和对区块链的热情。寻找相信你的项目使命并能打开行业大门的顾问。 4. 战略性地确保资金 女性创始人在筹集资金方面可能会面临障碍，但女性主导的企业越来越受到认可，这有助于改变投资格局。 如何操作：Research venture capital firms and angel networks that specifically invest in women-led or diverse startups. Craft a compelling pitch that showcases your project’s unique angle, feasibility, and market potential. Use your network to request warm introductions, and practice your pitch until it resonates with both technical and non-technical audiences. 5. Foster an inclusive community early on Blockchain thrives on collaboration and shared ownership. By cultivating a supportive community around your project from the start, you’ll build trust, gather user feedback, and gain brand ambassadors. How to do it:Use social channels, online forums, and Ask Me Anything, or AMA, sessions to engage users at each stage. Encourage open discussion and invite others—especially women newcomers—to co-create with you. Early adopters often become your most enthusiastic advocates. Final thoughts As more women enter the blockchain space, we’re collectively shaping its future—filling it with diverse perspectives and fresh approaches. By laying out a clear roadmap, leveraging supportive networks, assembling the right talent, securing targeted funding, and building inclusive communities, women can confidently move from ideation to operational excellence in this evolving industry. 阅读更多：重新定义创作者经济中的信任和所有权 | 观点 Lisa Cheng Lisa Cheng是一位早期区块链企业家，专注于促进 Web3 的发展和创新。她支持女性主导的计划，例如 SheFi、HerDAO、BeraBaddies、Chipped Social 和 Boys Club。