美联储发布了关于美国人财务生活的年度研究报告，研究表明他们更有可能将加密货币用作投资工具而不是支付手段。
那个报告，2021 年美国家庭经济状况， 是基于美国联邦储备委员会于 2021 年 10 月和 11 月发布的第九次年度家庭经济和决策调查。随后的研究首次包含了加密货币使用的数据。
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根据该报告，2021 年有 12% 的成年人持有或使用加密货币。根据该报告，加密货币作为一种投资工具比交易工具更受欢迎，只有 2% 的成年人使用它进行购买，1% 的人使用它向朋友汇款或家人。
BTC/USD 交易价格接近 3 万美元。来源：交易视图
该报告指出，美国消费者对加密货币作为一种货币兴趣不大。他们大多是投资者，而不是交易员，只有 3% 的受访者声称他们在前一年支付或发送了加密货币。另一方面，11% 的人投资了加密货币。
纯粹的投资者在 46% 的案例中赚了 100,000 美元或更多。
另据报道，低收入人群更倾向于使用加密货币进行交易。使用加密货币进行这些交易的人中有 13% 没有典型的银行账户，27% 没有信用卡。在使用加密货币进行交易的人中，近十分之六的人收入低于 50,000 美元，而只有 24% 的人收入超过 100,000 美元。
根据调查，美国 6% 的人口没有银行账户，黑人 (13%) 和西班牙裔 (11%) 的银行账户数量少于一般成年人口。
根据支持者的说法，加密货币为被剥夺权利和没有银行账户的社区提供了一种相对简单的方式来访问复杂的支付系统。即使在美国等银行业发达的国家，美联储的研究也可能支持这一观点。
在 2020 年和 2021 年的牛市中，比特币的价格从 3,000 美元上涨至 69,000 美元，引发了人们对加密货币的广泛兴趣。
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来自 Unsplash 的特色图片 - 图表交易视图
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