Ripple CEO：6700万美国人持有加密资产，行业进入主流
Garlinghouse Says 67M US Crypto Owners Show Industry Has Gone Mainstream
Ripple CEO Brad Garlinghouse has pointed to a new ownership estimate showing 67 million Americans hold cryptocurrency, arguing that the industry is no longer fringe.
Ripple 首席执行官 Brad Garlinghouse 指出了一项新的所有权估算数据，显示有 6700 万美国人持有加密货币，他认为该行业已不再属于边缘领域。
The figure comes from the National Cryptocurrency Association and The Harris Poll’s 2026 State of Crypto Holders Report. The survey estimates that roughly 25% of US adults own crypto, based on a sample of 10,000 respondents.
这一数据来自国家加密货币协会（National Cryptocurrency Association）和 Harris Poll 发布的《2026 年加密货币持有者状况报告》。该调查基于 10,000 名受访者的样本，估算约 25% 的美国成年人拥有加密货币。
That is a major claim, but the scope matters.
这是一个重大的主张，但范围很重要。
The 67 million figure is an estimate, not a registry count. There is no nationwide wallet database proving exactly how many Americans own crypto. Still, a large survey showing one in four adults holding crypto is a strong sign that digital assets have moved beyond early adopters.
6700 万这个数字是一个估算值，而非注册计数。目前并没有全国性的钱包数据库能确切证明有多少美国人持有加密货币。尽管如此，一项显示每四个成年人中就有一个持有加密货币的大型调查，有力地表明数字资产已经超越了早期采用者的阶段。
TL;DR
TL;DR（太长不看）
- Brad Garlinghouse cited a report estimating 67 million US crypto owners.
- The figure represents roughly 25% of US adults.
- The number is survey-based, not a globally verified ownership registry.
- Brad Garlinghouse 引用了一份报告，估计美国有 6700 万加密货币持有者。
- 该数字约占美国成年人的 25%。
- 该数字基于调查，而非全球验证的所有权登记。
Why The 67M Figure Matters
为什么 6700 万这个数字很重要
Crypto adoption has always been difficult to measure.
加密货币的采用率一直难以衡量。
Wallets are pseudonymous. One user can have many wallets. Exchange accounts do not always equal active ownership. Some people hold tiny balances. Others hold through ETFs or custodians.
钱包是伪匿名的。一个用户可以拥有多个钱包。交易所账户并不总是等于活跃的所有权。有些人持有极小的余额。其他人则通过 ETF 或托管机构持有。
That is why survey data is imperfect but still useful.
这就是为什么调查数据虽然不完美，但仍然有用。
A large consumer survey can show whether crypto has entered mainstream financial behavior. If roughly a quarter of US adults say they own crypto, then the industry is no longer limited to traders, developers, and early believers.
大型消费者调查可以显示加密货币是否已进入主流金融行为。如果大约四分之一的美国成年人表示他们持有加密货币，那么该行业就不再局限于交易者、开发人员和早期信仰者。
That is Garlinghouse’s point.
这就是 Garlinghouse 的观点。
Ripple’s Mainstream Argument
Ripple 的主流论点
Garlinghouse has long argued that crypto needs to move from speculation into real utility.
Garlinghouse 长期以来一直认为，加密货币需要从投机转向真正的实用价值。
A large ownership figure supports the political and commercial case that digital assets are now part of everyday financial life. That matters for policy because lawmakers may treat crypto differently if they believe tens of millions of voters hold it.
庞大的持有者数量支持了政治和商业层面的论点，即数字资产如今已成为日常金融生活的一部分。这对政策制定很重要，因为如果立法者相信数千万选民持有加密货币，他们可能会以不同的方式对待加密货币。
It also matters for companies.
这也对公司很重要。
Banks, fintechs, payment providers, exchanges, and asset managers pay attention when user adoption crosses mainstream thresholds.
当用户采用率跨越主流阈值时，银行、金融科技公司、支付提供商、交易所和资产管理公司都会密切关注。
For Ripple, the argument supports a broader message: crypto is not a niche sector waiting for permission to exist. It already has a large user base.
对于 Ripple 而言，这一论点支持了一个更广泛的信息：加密货币不是一个等待许可才能存在的利基行业。它已经拥有庞大的用户群。
Surveys Need Careful Framing
调查需要谨慎构建
The caution is that survey estimates are not exact counts.
需要注意的是，调查估算并非精确计数。
A 10,000-person sample can be robust, but it still depends on methodology, wording, demographics, and respondent honesty. Crypto ownership can also mean different things to different people. Someone with $20 of Bitcoin on an app may answer the same way as someone with a large self-custodied portfolio.
1万人的样本量可以具有稳健性，但这仍然取决于方法论、措辞、人口统计特征以及受访者的诚实度。加密货币的所有权对不同人而言可能意味着不同的事物。在某个应用上持有20美元比特币的人，其回答可能与持有大量自托管投资组合的人相同。
That does not invalidate the result.
这并不能使结果无效。
It simply means the number should be described as an estimate.
它仅仅意味着该数字应被描述为估算值。
The phrase “67 million Americans own crypto” is powerful, but readers should understand how the estimate was produced.
"6700万美国人拥有加密货币"这一说法很有力，但读者应了解该估算值是如何得出的。
Crypto’s Political Weight Is Growing
加密货币的政治影响力正在增长
The bigger implication is political.
更大的影响在于政治层面。
If crypto ownership is anywhere near 25% of US adults, digital asset policy is no longer a fringe regulatory topic. It affects a large potential voter group, a growing investor base, and a meaningful part of financial-market participation.
如果加密货币所有权接近美国成年人口的25%，那么数字资产政策就不再是一个边缘化的监管话题。它影响着一个庞大的潜在选民群体、一个不断增长的投资者基础以及金融市场参与中具有重要意义的一部分。
That may explain why market-structure bills, ETF approvals, custody rules, and enforcement policy now receive more attention in Washington.
这可能解释了为什么市场结构法案、ETF批准、托管规则以及执法政策现在在华盛顿获得更多关注。
Politicians may not agree on crypto, but they can no longer ignore it.
政客们可能在加密货币问题上意见不一，但他们已不能再忽视它。
The Adoption Debate Is Changing
采用辩论正在发生变化
The early crypto adoption debate was about whether anyone outside a small technical community would care.
早期的加密货币采用辩论焦点在于，除了一个小规模的技术社区外，是否还有人在乎。
That debate is over.
那场辩论已经结束。
The new debate is about what people actually use crypto for: saving, speculation, payments, remittances, stablecoins, DeFi, NFTs, tokenized assets, ETFs, or simply portfolio exposure.
新的辩论焦点在于人们实际上将加密货币用于什么：储蓄、投机、支付、汇款、稳定币、去中心化金融（DeFi）、非同质化代币（NFT）、代币化资产、ETF，或仅仅是投资组合敞口。
Ownership alone does not prove deep usage. But it does show familiarity and access.
仅凭所有权并不能证明深度使用。但它确实显示了熟悉度和可及性。
Garlinghouse’s point is that crypto has entered the mainstream conversation. The 67 million figure gives that argument a headline number.
加里恩豪斯（Garlinghouse）的观点是，加密货币已进入主流对话。6700万这一数字为该论点提供了一个引人注目的 headline 数据。
The next test is whether ownership turns into durable utility.
下一个考验是所有权是否会转化为持久的实用性。
This article is based on the National Cryptocurrency Association and Harris Poll 2026 State of Crypto Holders Report.
本文基于国家加密货币协会和哈里斯民意调查发布的《2026年加密货币持有者状态报告》。
This article was written by the News Desk and edited by Samuel Rae.
本文由新闻编辑部撰写，Samuel Rae 编辑。
This report is based on information released in disclosures at primary source documentation.
本报告基于原始文档披露中发布的信息。
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